Suncorp Gold Credit Card

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
Earn 1 pt per $1 spent with Suncorp Rewards.
Interest free days of up to 55 days.
Complimentary purchase cover on personal purchases and guaranteed pricing scheme.
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Suncorp Rewards
Suncorp Rewards
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in 12 mths (approx.)
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Pros & cons

What's good?

What's not so good?

Earn 1 pt per $1 spent with Suncorp Rewards and redeem for shopping, experience and vouchers.
Complimentary purchase cover on personal purchases and guaranteed pricing scheme.
Interest free days of up to 55 days.
No added annual fee for additional cardholders.
Get a credit limit of up to $25,000 subject to credit criteria.
Security protection with FRAUDSHIELD®.
Visa payWave enabled.
There’s a $120 p.a. annual fee.
Cash advances are charged at 21.99% p.a.
0.5 pts per $1 spent on eligible purchases above $1,500 per statement period.

User reviews

3.9 out of 5.0 based on 2 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Great rewards program

Reviewed and recommended by Jaz on 19 Aug 2016

This card has a great rewards program and has been handy with up to 55 days interest free. The rate is high if you don’t pay this card out in full every month so it’s better if you are someone who pays it out in full every month. No issues with the card or service.

Easy to use and never had a problem with it

Reviewed and recommended by Anon on 07 Aug 2013

You can use this card anywhere in the world and with low fees, it’s the perfect credit card. The customer service is good, they’re very reliable and will always make sure to verify your details before submitting any changes. I wish they had more rewards though, because I’ve never been offered anything for using this service. Everyone deserves a reward.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Gold
Card type
Visa
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$30,000
Minimum income for pensioners
$Same as standard
Pensioners
Rewards program
Suncorp Rewards
Temporary residents
N/A

Cardholders

Additional cardholders
4
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$5,000
Maximum credit limit
$25,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2.5%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances 1.83% 21.99% p.a.
Purchases 1.71% 20.50% p.a.

Fees

Annual fee
$120 p.a.
Cash advance fee
3.5%
Dishonour fee
$15
Duplicate statement fee
$14
Foreign exchange fee
3.4%
Late payment fee
$10
Over limit fee
$40
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$50
Transaction verification fee
$0

Rewards & points

Rewards program basics

Reward points expiry
N/A
Rewards program
Suncorp Rewards
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
N/A
Overseas earn rate
Same as standard earn rate
Points cap per month
1,500
Points cap per year
18,000
Points earned on ATO payments
N/A
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
N/A
Complimentary flight voucher
No
Concierge service
No

Benefits

This card comes with benefits worth an estimated $50

ShoppingEstimated value
Guaranteed pricing / price protection insurance
Valuation based on the assumption of making a $100 claim once every 10 years. Extensive conditions apply. There is no retail market for this type of insurance, so no premium saving.
$10
Purchase protection
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
$40
Total estimated value$50
Annual fee$120
Net customer value$-70
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $30,000 per year
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Age Pension, Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Foster Care Allowance are acceptable.
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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