Suncorp Clear Options Platinum – 120,000 bonus points, travel cover, $99 first-year fee and 9-month 0% balance transfer
Suncorp Clear Options Platinum helps you turn 120,000 bonus points and included travel cover into Aussie getaways, with a $99 first-year fee and nine months at 0% for straightforward balance transfers
Why Suncorp Clear Options Platinum stands out
The Suncorp Clear Options Platinum credit card is a strong contender for Australians after rewards and practical benefits. With 120,000 bonus points on offer and a first-year fee of $99, it’s built for people who want value from everyday spend and travel perks.
Included travel insurance and a 9-month 0% balance transfer promotion make this Suncorp card useful both for holidays and managing existing debt. The combination of rewards and flexibility positions the card well in Australia’s competitive market.
Rewards, points and travel perks
Those 120,000 bonus points can be transferred to major frequent flyer programs like Velocity Frequent Flyer, KrisFlyer and Emirates Skywards, or converted into Coles digital gift vouchers for household savings. Redeeming points for flights or groceries gives practical choices for Aussie lifestyles.
Complimentary international travel insurance, including medical cover and lost luggage benefits, adds real peace of mind for frequent travellers. The Suncorp Clear Options Platinum rewards structure also supports everyday retail redemptions and Flybuys options, so points stay useful beyond flights.
Balance transfers and fees
The 0% p.a. balance transfer for nine months is a standout feature for anyone looking to consolidate debt. Use this introductory window to pay down debt interest-free, but plan repayments because the standard purchase rate reverts to a higher 21.99% p.a. after the offer period.
Annual fees are competitive at $99 in the first year, rising to $129 thereafter, so factor the ongoing cost into your decision. If you regularly carry a balance, the post-introductory interest and fee schedule should be weighed against the card’s rewards and insurance benefits.
Who should apply and how to maximise it
Australians with steady income and good credit who travel occasionally or regularly will find the Suncorp Clear Options Platinum appealing. It’s also smart for people wanting to move existing high-interest balances to a 0% period and for those aiming to collect 120,000 bonus points quickly.
To maximise value, meet the spend criteria for the bonus early, transfer points to airline partners for flights or to Coles vouchers for everyday savings, and clear transferred balances within the 9-month interest-free window. Regular on-time repayments protect your credit score and keep the rewards worthwhile.