Standard Credit Card
At last a credit card that gives you a low interest rate of 12.74% p.a. on purchases. Plus, 50% off the annual fee for the first year*. With the Suncorp Clear Options Standard, the choice has never been clearer.
Suitable if you'd like:
- 50% off the annual fee in the first year*
- The convenience of Visa payWave allowing you to make purchases under $100 in seconds by holding your card against the payWave terminal.
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- A low rate of 12.74% p.a. on retail purchases2
- Generous credit limits subject to credit criteria1
- Exclusive Visa Entertainment offers3
- Security protection with FRAUDSHIELD®
- Flexibility
-
- Balance Transfer Rate
- n/a
- Standard Interest Rate
- 12.74% p.a.
- Cash Advance Rate
- 21.99% p.a.
- Interest Free Period
- No interest free days
- Maximum Credit Limit
- $25,000
- Annual Fee
- $55
- Additional Card Annual Fee
- $0
- Card Types
- Visa payWave only
- Qualification
-
- Minimum Income Requirement
- $25,000 p.a.
- Minimum Age
- 18
- Additional Cardholders
- Up to four additional cards free
- Additional Cardholder Minimum Age
- 16
- Manage your account
-
- Accessibility
-
- Payment Methods
-
- Statement Frequency
- Monthly
Privileges
Special offers through Visa Entertainment, which brings the best entertainment experiences from concerts and cinema to sporting events and travel offers3
- Security
-
- FRAUDSHIELD®
- Yes
- Optional - Suncorp Clear Options credit card insurance with Credit Guard4.
- Yes
- Peace of Mind
-
- 24/7 Customer Service
- Yes
- Emergency Card Replacement
- Yes
Applying for a Suncorp Clear Options credit card is simple. The application process should take less than 10 minutes to complete if you have all your personal information ready and you will receive a response from Citigroup in 60 seconds after submitting the form.
- To be eligible, you must meet the following criteria
- Have a good credit rating.
- Earn taxable income of $25,000 per year or more.
- Are a permanent Australian resident.
- If you are an existing Suncorp Clear Options credit cardholder, you must have held your current Suncorp credit card account for at least 9 months before you can apply for another Suncorp Clear Options credit card.
Please note that if you do not satisfy all these criteria, we apologise, but you will not be eligible for a Suncorp Clear Options Standard Credit Card at this time.
- Information required when applying online
Your personal details
- Your contact details.
- Driver's licence number (if you have one).
- Current residential status (and previous residential details if you have been at your current address for less than 3 years).
- Contact details of a relative or friend not living with you.
Your financial position
- Your employer's address and switch telephone number (as listed in the White Pages).
- Annual and monthly income (before and after tax).
- Contact details for your accountant if self-employed.
- Types and amounts of other income (e.g. rental income).
- Details of your main expenses, including the current balances owing on your credit cards, loans and investment mortgages.
- If you plan to transfer a balance from another financial institution, please provide us with key details of that account, including: the name the account's held in; the type of card/account; the card/account number; the amount to be transferred and the issuing organisation's name and address.
- Speed-up your credit card application
To streamline approval, ensure you give us a contact phone number that we can call you on easily. You can also contact your payroll department (or accountant if you're self-employed) in advance to ensure they're ready and willing to confirm your income details when we call for verification.
- Check your application status
Once you've submitted your online application, you'll receive a confirmation email from Citigroup containing your 9-digit Application Reference Number. Please note, that it will take 5-7 business days to process your application and you will be contacted during this time. However if you have any questions regarding your application please call our customer contact centre on 13 11 75.
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Terms and Conditions, Fees and Charges apply.
* To be eligible for the half annual fee offer on the Suncorp Clear Options Standard Card, you must apply for and activate your card before 30/07/12. Subject to your acceptance you will be charged a half price annual fee of $27 in the first year, which will revert back to the full annual fee of $55 in subsequent years. Existing Suncorp Credit Cardholders are excluded from this half price annual fee offer.
1. Actual credit limit will be assigned based on our credit criteria, your credit rating, and subject to confirmation that you earn a minimum $25,000 for the Suncorp Clear Options Standard card.
2. The cash advance interest rate for the Suncorp Clear Options Standard card is currently 21.99% p.a. Purchases will be at the standard variable interest rate on the Suncorp Clear Options Standard Card which is currently 12.74% p.a. Interest rates are variable and subject to change and our credit criteria. Interest rates current as at 01/02/2012.
3. Exclusive Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.
4. The joint issuers of Credit Guard are Suncorp Life and Superannuation Limited ABN 87 073 979 530, AFSL No. 229880 and MTA Insurance Limited ABN 35 070 583 701, AFSL No. 239545. The distributor is Citigroup Pty Limited ABN 88 004 325 080 AFSL No 238098. Terms, conditions, exclusions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at www.suncorp.com.au/cardinfo to decide if a policy is right for you.
Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian Credit Licence No. 238098 ("Citigroup") is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722 ("Suncorp Bank") promotes and distributes Suncorp Clear Options Credit Cards on Citigroup's behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and phone banking).
Citigroup is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp Bank promotes and distributes Suncorp Clear Options Credit Cards on Citigroup's behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking).
