Important Information
After an established partnership, a decision has been made to end the arrangement between Suncorp Bank and National Australia Bank (NAB), the issuer of your existing Suncorp Bank Clear Options Credit Card. This page will provide updates on the transition of your Suncorp Bank Clear Options Credit Card account to your new MyCard branded credit card account. NAB will continue to be the credit provider and issuer of your credit card.
Upcoming Changes to your Credit Card
We’ve got some updates to share
You recently received a message about some changes coming to your credit card.
We're here to helpexplain the changes you can expect while the transition is completed
Now
You were recently provided with a communication about the rebrand of your Credit card to MyCard
What’s next
Once you receive your new NAB issued MyCard physical credit card, please activate the card as soon as possible and update your digital wallet
Coming Soon
In the coming months you’ll receive further updates on the transition of your Suncorp Bank Clear Options Credit Card account to your new MyCard branded credit card account
Important Information
For events occurring on or after 15 May 2026, Clear Options Platinum Credit Card customers will no longer be eligible for International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance in Australia.
For full details of the changes and how it will affect your insurance cover, please read the summary of changes and the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet
Important Information
From 9 June 2025, you will no longer be able to apply for a Suncorp Bank Clear Options Credit Card.
Credit Card Terms & Conditions
It is important you read the Terms and Conditions for the Suncorp Bank Clear Options Credit Cards and understand your rights and obligations.
Terms and Conditions are available below; you can download them and retain for your records.
Important Information about your Suncorp Bank Clear Options Credit Card
Information about Suncorp Bank and National Australia Bank’s arrangement
Credit Cards T&Cs
Suncorp Bank Credit Card Terms and Conditions
Rewards T&Cs
Suncorp Bank Credit Card Rewards and Frequent Flyer Rewards
Complimentary Insurance T&Cs
Changes to your Credit Card Terms and Conditions – effective 01 July 2025
Prior to July 1 2025: Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023
From July 1 2025: Credit Cards Complimentary Insurance Policy Booklet effective 1 July 2025
Citigroup Pty Limited Credit Assistance Provider Credit Guide
Target Market Determination (TMD)
FAQs
MyCard Rebrand FAQs
Will my Credit Card work the same as it does today?
Yes, your Credit Card will continue to operate as it does today, allowing you to make purchases, pay bills and access your funds. Your PIN will not change. Future changes will be communicated to you in writing.
What will happen to my recurring payments?
If you have received a Credit Card with a new expiry date, you will need to change any recurring payments you currently have, after you have activated your new card. You will need to contact your merchants and change your existing recurring payments to your new Credit Card.
If you receive a Credit Card without any changes to the Credit Card number or the expiry date of the card, your account is not impacted.
If you have not activated your new card by 30 October 2025, your existing recurring payments may not be honoured after this date, until you have activated your new card.
Do I need to do anything now before my new card arrives in the mail?
No – simply continue to use your card as usual until your new MyCard Credit Card arrives in the mail. Then all you need to do is activate your new card. This is necessary as you will no longer be able to spend or withdraw cash using your physical Suncorp Bank Clear Options Credit Card from 30 October 2025.
If you have any additional cardholders, they will also receive a new MyCard Credit Card and they can activate their card after the primary card is activated first.
Can I still access my account information online?
Yes, at this time you can still view your account balance and transaction information online via Suncorp Bank App or Suncorp Bank Internet Banking. If you wish to access Card Services, you will still be able to do this via Suncorp Bank Internet Banking.
Will anything else change?
At this time nothing else will change relating to your Credit Card account. In the coming months you’ll receive further updates on the transition of your Suncorp Bank Clear Options Credit Card account to the NAB issued MyCard.
What if I don’t want to receive a new MyCard branded Credit Card?
You can also choose to close your account directly online via Suncorp Bank Internet Banking; alternatively, you can call us on 13 11 75.
General FAQs
Can I still add additional card holders on my existing Suncorp Bank credit card?
Yes, at this time you can continue to complete servicing requests on your credit card, including adding additional card holders.
Will I continue to receive and access my statement the same way?
Yes, at this time you will continue to receive and access your Suncorp Bank Clear Options credit card statements as you do today. We will keep you informed in writing of future changes.
Can I request a change in my credit card limit on my existing Suncorp Bank credit card?
Yes, at this time you can request a credit limit change by calling 13 11 75 and speaking to the credit card team.
Note: A credit limit increase request will require a full assessment process, subject to NAB lending criteria.
Will customer reward points be impacted by these changes?
No, at this time there are no changes to how you earn and redeem rewards. Customers will be informed in writing of any future changes.
How do I know if my contact details are up to date?
You can check your details are up to date online via Suncorp Bank App or Suncorp Bank Internet Banking. Alternatively you can visit your nearest branch or you call us on 13 11 75.
About Suncorp Bank Clear Options Credit Cards
Credit Card Services
What can you do in Credit Card Services on Internet Banking?
There are so many self-servicing functions available in Credit Card Services.
A One-Time PIN (OTP) will be sent to your mobile number to ensure we have your correct details. You will need the OTP to access Credit Card Services functions.
Card Services
- Card Activation/Deactivation
- Change Card PIN
- Additional Cardholder
- Document Upload
- Credit Limit Decrease
- Account Closure Request
Electronic Communications
- Electronic Delivery Options
- View eStatement
- View eNotices
Rewards
- Redemption Activity
- Benefits
- FAQs
My Offers
- Fixed Payment Option
- Balance Transfer
- Card Upgrade
For more information about OTP, go to the Credit Card FAQs.
Concerned about online security, head to our Online Security page to find out ways you can stay safe online.
Card Features
Our Suncorp Bank Credit Cards include access to
-
Instalment Plans6 available
Convert eligible retail balance or big purchases into smaller, fixed monthly repayments at a promotional rate over a range of selected periods. -
Visa Entertainment
Enjoy access to exclusive pre-sales, offers and competitions. -
Visa payWave
‘wave and go’ for faster purchases under $100.
-
Additional Cardholders
Add up to four additional cardholders for no extra cost (additional cardholders must be at least 16 years old). -
Lifestyle benefits
Enjoy everyday benefits to help you shop and save. Discover more -
24/7 Customer Service
Help anywhere, anytime is only a phone call away. Call us on 13 11 75. -
Emergency Card Replacement
Lost cards can be replaced within 24 hours in Australia.
And is protected by
-
Verified by Visa
Added security and authorisation for online purchases.
Complimentary Insurance Covers3
| Platinum | Plus | Standard | |
|---|---|---|---|
| Purchase Protection Insurance |  |
|
 |
| International Travel Insurance | |
|
|
| Extended Warranty Insurance | |
|
|
| Domestic Travel Insurance | |
|
|
| Rental Vehicle Access Insurance in Australia | |
|
|
Rewards Program
Earning points is easy when you use your card for everyday purchases like groceries, fuel and eating out. Additionally, use your card on your monthly direct debit payments like entertainment subscriptions or gym membership and earn points faster.
Earning Suncorp Bank Credit Card reward points
Clear Options Platinum Credit Card
- Suncorp Bank Credit Card Reward points1
Earn 1.25 for every dollar spent on eligible transactions. - Looking to earn Qantas Frequent Flyer Points?2
Upgrade to the Suncorp Bank Credit Card Qantas Frequent Flyer rewards program for $199 p.a. and earn 0.5 Qantas Frequent Flyer points for every dollar spent (capped at $8,000 per statement period).
Redeeming Suncorp Bank Credit Card Reward points
As a Suncorp Bank Credit Card Reward member, you can redeem your points as often as you like for a reward that suits you. There are two easy ways to redeem:
Online: your points balance and redeem online through Internet Banking - 24 hours a day, 7 days a week.
View the latest online rewards catalogue.
Phone: Contact our Suncorp Bank Credit Card Rewards Team on 13 11 75 during business hours. Please note - only the primary cardholder and authorised persons may redeem Suncorp Bank Credit Card Reward Points.
Suncorp Bank Credit Card Reward Program
- eVouchers
- Cashback
- Select and Credit
Shop at Partners
- Kogan.com7
Select it. Credit it.
Pay with your points. Redeem your Suncorp Bank Credit Card reward points for eligible purchases8 and receive a statement credit back on your account.
Transfer Points to Loyalty Programs
- Flybuys
- Velocity Frequent Flyer (Virgin Australia)
- Skywards (Singapore Airlines)
Points you can earn per month
| Your monthly spend (Eligible Transactions - domestic)2 |
$
|
|
| Clear Options Platinum Credit Card | ||
| Suncorp Bank Credit Card Rewards | 0 Point | |
| Suncorp Bank Credit Card Qantas Frequent Flyer | 0 Point | |
Rates & Fees
Clear Options Platinum Card with Suncorp Bank Rewards |
|
|
Annual Fee |
$129 |
|
Retail APR |
20.99% |
|
Cash APR |
21.99% |
|
Interest Free Days |
Up to 44 days4 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
1.50% cash advance fee (after conversion to Australian dollars) and you may be charged a foreign currency exchange fee (if you're withdrawing in a foreign currency). Use of ATMs not owned by Suncorp Bank may also incur a foreign ATM fee. $1000 withdrawal limit applies. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. |
|
Over Limit Fee |
A $40 overlimit fee applies when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012. |
Clear Options Platinum Card with Qantas Frequent Flyer Rewards |
|
|
Annual Fee |
$199 |
|
Retail APR |
20.99% |
|
Cash APR |
21.99% |
|
Interest Free Days |
Up to 44 days4 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
1.50% cash advance fee (after conversion to Australian dollars) and you may be charged a foreign currency exchange fee (if you're withdrawing in a foreign currency). Use of ATMs not owned by Suncorp may also incur a foreign ATM fee. $1000 withdrawal limit applies. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. |
|
Over Limit Fee |
A $40 overlimit fee applies when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012. |
Clear Options Standard Card |
|
|
Annual Fee |
$55 |
|
Retail APR |
13.49% |
|
Cash APR |
21.99% |
|
Interest Free Days |
0 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
1.50% cash advance fee (after conversion to Australian dollars) and you may be charged a foreign currency exchange fee (if you're withdrawing in a foreign currency). Use of ATMs not owned by Suncorp may also incur a foreign ATM fee. $1000 withdrawal limit applies. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. |
|
Over Limit Fee |
A $40 overlimit fee applies when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012. |
|
Clear Options Platinum Card with Suncorp Bank Rewards |
Clear Options Platinum Card with Qantas Frequent Flyer Rewards |
Clear Options Standard Card |
|
|
Annual Fee |
$129 |
$199 |
$55 |
|
Retail APR (Purchase Rate) |
20.99% |
20.99% |
13.49% |
|
Cash APR (Cash Advance Rate) |
21.99% |
21.99% |
21.99% |
|
Interest Free Period |
Up to 44 days4 |
Up to 44 days4 |
0 |
|
Cash Advance Fee |
Withdrawing money from within Australia 3.5% of transaction amount, minimum charge of $3.50 |
||
|
Cash Advance Fee (International) |
Withdrawing money overseas 1.50% cash advance fee (after conversion to Australian dollars) and you may be charged a foreign currency exchange fee (if you're withdrawing in a foreign currency). Use of ATMs not owned by Suncorp Bank may also incur a foreign ATM fee. $1000 withdrawal limit applies. |
||
|
International Transaction Fee |
Making purchases overseas 3.40% International Transaction Fee5 |
||
|
Dishonour Fee (Dishonoured Easipay payments) |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
||
|
Late Payment Fee |
$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. |
||
|
Over Limit Fee (Exceeded credit limit) |
A $40 overlimit fee applies when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012. |
||
Add your card to your digital wallet(s)
Make contactless payments on the go with your smartphone or smartwatch
Lifestyle Benefits
Keep up to date with the latest offer and benefits available on your Credit Card
Select and Credit
Redeem your Suncorp Bank Credit Card Rewards points for eligible purchases1and receive a statement credit back on your account
1An eligible purchase is a transaction we will present to you in your Suncorp Bank Internet Banking that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in Suncorp Bank Internet Banking.
Using and managing your card
Repayment Options
There are many methods of making payments to your credit card. These include:
BPAY®
Simply contact your participating bank, credit union or building society to pay your credit card. All you need is your credit card number and the BPAY® Biller Code of 999532.
Direct Debit / Autopay
Setting up Direct Debit is simple. Please complete the Direct Debit form and then simply return it your nearest Suncorp Bank either in person, or post.
Note: We may be unable to set up your Direct Debit request by your next payment due date. Please call us on 13 11 75 before you make a manual payment to confirm if your request has been set up.
Suncorp Bank Telephone Banking
Pay in person at a Suncorp Bank branch
Details of repayment options are included on your monthly credit card statement.
Temporarily Lock Your Card
If you’ve misplaced your Credit Card, you can temporarily lock your card while you look for it. You can as easily unlock it when you find it. While your card is locked, all payments will be declined until you unlock or call us.
Log into Internet Banking, Go to Credit Card Services > Card Services > Card Activation/Deactivation. An OTP will be required.
However, if your Credit Card is lost or stolen please call us immediately on 13 11 75 and follow the prompts, we're available 24/7 (or from overseas on +61 7 3362 1712). A member of our Customer Service Team will immediately block your old card and re-issue you with a new card. Allow up to 7 working days for the new card to arrive in the post.
We’ll also go through the recent transactions on your account so we can see if there have been any unauthorised transactions made.
Travelling overseas
Here are some tips for your travels
Get a PIN for your credit card
If you haven’t already, make sure you set up your PIN as merchants in other countries may not accept signatures when authorising transactions paid for by credit cards.
Which overseas ATM should you use?
Make sure that the symbols on the ATM correspond with your card so that you can access the account you want. Remember that additional fees and charges apply.
For access to:
Visa credit and debit cards: use Visa Plus ATMs.
Overseas fees and charges
If you make purchases overseas with your Suncorp Bank Clear Options Credit Card, or withdraw cash from ATMs, fees and charges are applicable. Refer to the fees and charges section to find out more information.
Before you leave Australia
Check the expiry date on all the Cards you are taking with you to ensure they will not expire while you are away. If you need a replacement card, or want to change to a different credit card, contact us on 13 11 75.
Remember to set up your Internet Banking before you go, so that you can access your accounts while travelling.
If you’re away for a long time, it may be worth changing to eStatement and setting up direct debit autopay. It will be a convenient way to receive your Credit Card Statement via email, it also ensures that your monthly credit card payment is paid on time and can help avoid unintended late payment fees.
Add Additional Cardholders
Our Suncorp Bank Clear Options Credit Card you can have up to 4 Additional Cardholders linked to your account at no additional cost. It’s a convenient way of making sure your family share the benefits of the Credit Card, as well as an easy way to earn Reward Points if you are enrolled in the Suncorp Bank Credit Card Rewards Program.
We give Additional Cardholders their own card. Any transactions made using these cards will be listed separately on your card statement, so you can easily keep track of who’s spending what. It’s important to know that Additional Cardholders must be aged over 16 and the primary cardholder is responsible for each additional cardholders’ transactions.
To request additional cards on your account, you can either:
Log into Internet Banking and click on ‘Go to Credit Card Services’.
Go to Card Services > Additional Cardholder. An OTP will be required. Once on the Additional Cardholder screen you will need to follow the prompts.
Call us on 13 11 75
Fill in the application form for additional cardholders and pop it in the post.
Manage your Credit Limit
To decrease your Credit Limit.
Log into Internet Banking and click ‘Go to Credit Card Services’.
Click on Card Services > Credit Limit Decrease. An OTP will be required. Once on the Credit Limit Decrease screen you will need to follow the prompts.
You can also call us on 13 11 75 to request this.
It is important to note that your Credit Limit can't be lower than your product minimum and should you wish to reinstate your previous Credit Limit after it is decreased, your application to increase your Credit Limit will be subject to our lending criteria at that time.
- Platinum Credit Card has a minimum Credit Limit of $6,000
- Standard Credit Card has a minimum Credit Limit of $2,000
Disputing a transaction
Before you dispute a transaction
It's important to query a transaction yourself before you contact us about a dispute. We also advise that you discuss the transaction with your Additional Cardholder, if you have one. Visa have set rules and timelines for the dispute process, which can sometimes take up to 180 days to resolve.
Compare your receipts and statement
Some merchants may have a different name or location than what’s listed on your statement or on Internet Banking. It may help to look at your receipts and see if the amounts charged matches a recent purchase or transaction.
The dates can be different
There can be a delay (sometimes up to 7 days) between when you made the purchase and when it’s posted to your account.
The amount charged shows up differently
This could happen if a purchase is made overseas, or from a merchant that’s located overseas, as the amount may change based on the currency exchange rate for that day. Also, when the purchase is made during public holidays, as some merchants may add surcharges or other transaction fees.
Contact the merchant directly
The merchant may be able to quickly and easily resolve issues like:
- defective or unsatisfactory products
- refunds received from the merchant which have not been processed to your account
- duplicate charges
- differences in amounts on your receipt and statement
- non received goods or services
Disputing a transaction
In order for us to act on your behalf we need you to provide us with all the available information and supporting documentation along with the dispute form signed by the Account holder.
Once we receive the completed dispute form and all supporting documentation we will liaise directly with the merchant's bank to request a copy of the transaction voucher (invoice) if appropriate (charges may apply) or a reversal of the charge.
Dispute cases can take up to a maximum of 180 days depending on the nature of the dispute and it is important for you to stay in contact with us and assist with the case until a resolution is achieved.
It’s important to know that ‘unauthorised transactions’ are charges that a cardholder claims to have never authorised. Suncorp Bank must block your card before pursuing the dispute with the merchant's bank.
Closing your Credit Card Account
You are able to request to close your credit card account through:
- Internet Banking Go to Credit Card Services > Card Services > Account Closure Request. An OTP will be required, or
- Call us on 13 11 75.
Resetting Internet Banking password
You can easily reset your Internet Banking password online if you have a registered mobile phone number with us.
If you don’t, simply contact us or visit a local Suncorp Bank Branch store and we’ll take you through the process of selecting a new Internet Banking password.
Updating your contact details
It's really important to keep us up to date with your contact details, especially your mobile number as you will need this to access Credit Card Services.
Log into Internet Banking and on the menu on the left, click on ‘Settings and Security’.
Then the top tab, click on ‘Update Contact Details’. Please allow up to 2 business days for this information to be updated on your Credit Card Account.
Alternatively, give us a call on 13 11 75, we’re available 24/7.
For more information go to the Credit Card FAQs.
Important Card Information
Lost or stolen cards
If your card has been lost, stolen or is no longer working, please call us immediately on 13 11 75.
If you see any fraudulent transactions on your account contact us immediately.
Your Card PIN
Please remember that you should never share your PIN with anyone (including family or friends) and avoid picking an obvious number like 1111 or a birth date.
We recommend that you memorise your Security Code and then destroy any records of it.
Financial Difficulty
If you are experiencing or expecting a period in which you are unable to meet your financial commitments, at Suncorp Bank, we're committed to helping you out.
For more information on how we can assist you, please visit our Financial Difficulty page.
Complaints
Sometimes things can go wrong, and when they do, you can talk to staff at your local Suncorp Bank branch or visit the Contact Us page.
For more information on addressing your complaint, please visit our Dispute Resolution page.
Need to get in touch?
Things you should know
Terms and conditions, fees and charges apply and are available on request.
For full terms and conditions, please refer to the Suncorp Bank Credit Card Terms and Conditions.
National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Suncorp Bank Clear Options Credit Cards. Suncorp Bank (Norfina Limited ABN 66 010 831 722) promotes and distributes Suncorp Bank Clear Options Credit Cards on NAB's behalf under an agreement with NAB. NAB has acquired the business relating to this credit from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Suncorp Bank will not guarantee or otherwise support NAB's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank Internet Banking and Telephone Banking).
- For full terms and conditions of the Rewards Programs, please refer to the Suncorp Bank Clear Options Rewards Terms and Conditions.
- Rewards Points earn rates differ depending on which rewards program you are enrolled in. Customers receive 0.5 Qantas Frequent Flyer points for every $1 spent (capped at $8,000 per statement period). Certain transactions do not earn reward points. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and traveller cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transactions which is set out on page 3 of the Rewards Program terms and conditions, which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. Terms and Conditions of Suncorp Bank Qantas Frequent Flyer Rewards Program apply. The Suncorp Bank Clear Options primary cardholder must be a member of the Qantas Frequent Flyer program to earn Qantas Frequent Flyer points. Only Qantas Frequent Flyer points can be earned in Suncorp Bank Qantas Frequent Flyer Rewards Program and are subject to the terms and conditions of the Qantas Frequent Flyer Rewards Program. You can only be enrolled in one rewards program.
- Complimentary insurance covers: Terms, limitations, conditions and exclusions apply. Refer to the Complimentary Insurance Policy Information Booklet for further information. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Suncorp Bank credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
- The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.
- We charge you an international transaction fee of 3.4%, of which a 1% service and assessment fee is payable by us to Visa, for any retail purchase or cash advance transaction in; foreign currency, once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas. Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.
- Instalment Plan is defined as a Fixed Payment Option in your Terms and Conditions. A Fixed Payment Option are subject to eligibility criteria and only available when your account is and remains in good standing (for example, your account is not in default, suspended or closed.). The general terms for a Fixed Payment Option is included in your Credit Card Terms and Conditions and Other Important Information.
- You must have a Kogan.com account, be the primary cardholder of a Suncorp Bank Credit Card (eligible credit card), enrol your eligible credit card with Kogan.com. Additional terms are set out in the Pay using Fixed Payment Option at Kogan.com terms and conditions. Any information submitted via Kogan.com is held in accordance with the Kogan Australia Pty Ltd (Kogan) privacy policy. You may unlink your registered card at anytime.
- An eligible purchase is a transaction we will present to you in your Internet Banking that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in Internet Banking.
^Apple, the Apple logo, Apple Pay, iPhone and the App Store are trademarks of Apple Inc.
** Google, Android, Google Pay and Google Wallet are trademarks of Google LLC.
*** Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Support for non-English speakers
Suncorp Bank Bank offers access to translating and interpreting services in more than 160 languages.
Please call 13 11 75 (or +61 7 3362 1712 from overseas) to request this assistance.
