Suncorp Clear Options Platinum Credit Card, 120,000 Bonus Points, Aussie Travel Cover and 0% Balance Transfer for 9 Months

Why Australians are choosing Suncorp Clear Options Platinum

The Suncorp Clear Options Platinum has become a top pick for Aussies who want solid rewards and practical travel cover without fuss. With a standout welcome offer of 120,000 bonus points and flexible redemption partners like Velocity, KrisFlyer and Emirates Skywards, this card is built for travel-savvy Australians.

On top of points, the card includes complimentary international travel insurance and interstate flight inconvenience cover, which makes it a useful everyday card and a travel companion. The mix of rewards and protection suits families, frequent flyers and anyone looking to stretch their AUD purchases further.

Maximise the 120,000 bonus points

Make the most of the 120,000 bonus points by targeting transfers to airline partners or redeeming for Coles digital gift vouchers — those points can be worth hundreds of dollars toward groceries or flights. Australians often convert points to Velocity Frequent Flyer to nab domestic or trans-Tasman flights, stretching value from everyday spending.

Combine sign-up spend with deliberate category spending in the first few months to unlock the full bonus. Regularly review Suncorp’s offers and partner promotions to squeeze extra value from your points, and consider using points for upgrades where you’ll see better cents-per-point value.

Balance transfers, fees and true cost

Suncorp offers a 0% p.a. balance transfer for the first 9 months, which is handy if you want to consolidate debt without interest stacking up. Plan to clear transfers within the promotional window because the standard purchase rate jumps to around 21.99% p.a. after the introductory period.

Annual fees are competitive for what’s included: $99 in the first year and $129 thereafter. Factor the fee against the value of the 120,000 bonus points and travel cover to decide if it stacks up for your wallet. Also watch for balance transfer fees and make sure repayments are scheduled to avoid rate surprises.

Practical features, protections and how to apply

Beyond rewards, the Suncorp Clear Options Platinum provides purchase protection and extended warranty cover, helping protect big buys like electronics. Those extra insurances can save you hassle and money if something goes wrong after a purchase.

Applying is straightforward for Australian residents with steady income and a good credit history — submit your application via Suncorp’s online portal. Before you apply, check eligibility, set a repayment plan for any balance transfers, and aim to meet the welcome offer criteria quickly to capture the full 120,000 bonus points.