Supporting credit card customers by providing flexibility and cash flow management solutions during this uncertain time

At present, COVID-19 is creating a difficult situation for many Australians. We have a number of options available to help you manage your cash flow and create some breathing room during this uncertain and evolving time:

1. Reduce your repayments to the minimum amount

Did you know that you can reduce your monthly outgoings for a period of time if you need to, by only paying the Minimum Payment Due (as well as any Overdue Amount and any Overlimit Amount) by the Payment Due Date? You will accrue interest on the remainder of the Closing Balance, however you won’t be charged any late fees. This may be a short-term tactic to help you to manage your cash flow during the month.

This information is relevant for your:

  • Credit Card

2. Set up an automatic payment so you don't miss your due date

There are a number of methods to avoid late fees on your account. You could set a recurring reminder in your phone or diary. Or you could set up a recurring payment to your account from your transaction account. Alternatively, you could set up AutoPay Direct Debit to automatically pay either your Closing Balance or the Minimum Payment Due (plus any Overdue Amount and any Overlimit Amount) every month on the Payment Due Date from the bank account of your choice.

This information is relevant for your:

  • Credit Card

3. Pay your Credit Card balance off over time in smaller, fixed monthly payments

If you like to stay in control of your budget, you may be eligible for an Instalment Plan, which allows you to break large balances - either individual transactions or your statement balance - into smaller, more manageable monthly repayments at a fixed rate over a set period of time that best suits you*. Contact us to check your current offers.

*Instalment Plans are defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full terms and conditions of your Fixed Payment Option, please refer to the Credit Card Terms and Conditions and Other Important Information.

This information is relevant for your:

  • Credit Card

4. Financial assistance

If you are experiencing financial hardship and are finding it difficult to repay your Credit Card as a result of COVID-19 and require assistance, you can apply here.


This information is relevant for your:

  • Credit Card

If you have a question we haven't answered
here, please contact us.


Lifeline provides Australians experiencing emotional distress with access to 24 hour crisis support and suicide prevention services. Call Lifeline at any time on 13 11 14.


RUOK is a not-for-profit organisation helping inspire everyone to have regular, meaningful conversations to help anyone who might be struggling with life’s ups and downs.

National Debt Helpline

Financial counselling is a free, confidential service to assist people in financial difficulty. The National Debt Helpline website also has easy to follow, step-by-step guides for tackling debt problems.

Other situations creating financial difficulty

If you are experiencing financial difficulty as a result of circumstances outside of COVID-19, Citi has a longstanding Financial Hardship process, which supports customers in unique situations with personalised support. You can read more about Financial Hardship here.

Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 ("Citigroup") is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722, Australian credit licence 229882 ("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).