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Suncorp Clear Options Qantas Platinum Credit Card: 70,000 Bonus Qantas Points with $3,000 Spend in 90 Days, $178 Annual Fee

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Suncorp Clear Options Qantas Platinum Credit Card: 70,000 Bonus Qantas Points with $3,000 Spend in 90 Days, $178 Annual Fee
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LYuddenator123 on 26/04/2023 - 13:01 suncorp.com.au (5824 clicks)
Last edited 21/07/2023 - 09:54 by 3 other users

First time poster!

Earn Qantas Points on your purchases and put it towards your next holiday.

Apply for a limited time offer on the Suncorp Clear Options Platinum Credit Card. Earn 70,000 bonus Qantas Points when you enrol to earn Qantas Points and spend $3,000 on Eligible Transactions in the first 90 days from approval.

A $129 annual fee plus a $49 p.a. fee to earn Qantas Points will apply. So total annual fee - $178.

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.

First time Suncorp has put forward a Qantas Frequent Flyer Credit Card?

Can't get reduced annual fee discount as this is only annual fee available for Suncorp Clear Options Platinum Credit Card with 120k Suncorp Rewards points.

Mod note: While this offer is still being advertised on Suncorp's website, users have commented about not receiving the bonus QFF points.

Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points VISA

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closed Comments

  • Jetkuma on 26/04/2023 - 13:10
    +25

    For those churners, the credit provider is NAB/Citi. If you have applied in the last 6 months with Citi, I would suggest to hold.

    • Churna on 26/04/2023 - 13:15
      +12

      why hold? ive had a few cards with citi with no issues

      • supaderp on 26/04/2023 - 14:09
        +2

        yea had nab and citi within 3 months of each other, no issue. Points awarded for both cases

        • blonky on 03/10/2023 - 11:54

          I’ve had NAB, citi and suncorp all back to back and received all the bonus points

          Only just cancelled this suncorp card this week

      • adrianhughes1998 on 26/04/2023 - 15:10
        +3

        Same here. Had NAB then Citi and now Virgin Money, approved every time.

        • Banana on 26/04/2023 - 23:11

          I was told by virgin money that after Citi, there's a 6 months rejection period. No issue between Citi and Nab.

          • ts13 on 07/06/2023 - 14:06
            +1

            @Banana: I just closed NAB Qantas rewards premium on 13/04/2023 and currently hold Virgin Money and Suncorp (approved 16/03/2023 and 05/05/2023).

            Never held a Citi credit card before but I applied for the prestige in Q4 last year and got rejected.

    • nadan on 26/04/2023 - 14:16
      +1

      It depends on how their system decides. I have had multiple cards within 6 months with CITI previously, however recently I have had to serve the 6 months waiting period as my applications have been declined by the system straight away.

      • LowHangingFruit on 26/04/2023 - 14:47

        I can confirm this happened to me too. Got declined and there wasn't even any credit enquiries appearing in my credit file.

        NAB controls way too many credit card brands in Australia. I'm surprised ACCC had no issues with NAB acquiring Citi's credit card business.

        • nightelves on 26/04/2023 - 16:55
          +1

          Yes can confirm this happened to me as well. Instant decline with no explanantion for the Virgin Money cc and told I need to serve 6 months before I can reapply.

          • NobalaKoba on 26/04/2023 - 17:33
            +2

            @nightelves: Yikes, sending you to prison for that!?

            NAB has gone too far!

        • GundamZeta on 26/04/2023 - 23:08

          NAB kill the Citi Global Wallet. what a shame!

    • Remorhaz on 26/04/2023 - 15:43
      +5

      I discovered and applied for this card a bit over a week ago - took a little while to get the approval over Easter (with minimal to almost no comms from them) but the card is now on it's way apparently

      I've recently (since the start of this year) applied for some other NAB/Citi backed cards (NAB Qantas Rewards Premium, Qantas Premier Platinum and now the Suncorp card) and have had no issues with approvals, points, etc

      In fact my Qantas Premier Platinum was my fastest bonus points payout ever - applied on 27/03, approved on 28th, card arrived on 1/4, I spent on 3/4 and I got the 60K bonus points on the 6/4 - so just over a week from application to bonus points! - I hadn’t even received/paid the bill yet!

      • jedimaster on 26/04/2023 - 16:37

        wow, that's super quick

      • Heybargain on 26/04/2023 - 16:38

        Were you able to get a refund on the annual fee?

        • Remorhaz on 26/04/2023 - 16:39

          I havn't cancelled the card yet - I thought none of the card companies rebated fees anymore (NAB stopped doing it)?

        • lucyrenegade on 26/04/2023 - 18:55
          +1

          I was able to get a pro rata refund. I complained about the app and they agreed to refund the remaining 10 months in my first year. The app is crap - most of the time I couldn't access my transactions or use bpay.

      • mameimo on 26/04/2023 - 19:15

        If you haven't been charged the annual fee yet, pay off your balance and cancel the credit card!

        • confidantduk on 27/04/2023 - 13:46

          doesn't canceling the credit card incur the annual fee? soz I'm just getting into this but I saw no info that could help with confirming this

        • Sweetsugar on 27/04/2023 - 14:36

          Huh, points get allocated after 4-8 weeks. Annual fee is charged end of first billing cycle. If you cancel you're agreeing to forfeit any benefits.

      • aparasher on 27/04/2023 - 06:09

        I would highly recommend checking your credit score as these inquiries affect the score.

        • Poolprouk on 27/04/2023 - 15:16

          Not sure why you're getting negged. They do affect the credit score.

          HOWEVER - Whether that actually makes a difference to anything in life is debateable…..

    • Futura on 26/04/2023 - 17:48

      Citibank home loans also show up as NAB on credit file

  • chewieeez on 26/04/2023 - 13:12
    +11

    NAB Qantas Rewards Premium Card is slightly better than this.

    • Yuddenator123 on 26/04/2023 - 13:14
      +9

      Good for churners who've gone through NAB already.

      • chewieeez on 26/04/2023 - 13:15
        +2

        agreed

      • jrchurvnjef on 26/04/2023 - 14:49

        ELI5 churning?

        • illusion99 on 26/04/2023 - 15:00
          +3

          Signing up to credit cards to get the points and then closing them once you have the points. Then repeat with other banks

          • laudalashun on 26/04/2023 - 15:56
            +2

            @illusion99: Do you have to pay the annual fee f you close after getting points?

            • Jsmooth57 on 26/04/2023 - 16:07

              @laudalashun: Yes I think so. Most credit cards will charge the annual fee pretty much straight away anyway.

          • jrchurvnjef on 26/04/2023 - 16:30

            @illusion99: Ahh, I thought it was somehow paying for one CC through another CC and so one. Thank you.

    • bargrin on 26/04/2023 - 13:48

      Would there be an issue for applying for this and NAB at same time?

      • Yuddenator123 on 26/04/2023 - 13:58

        Think it's fine since it's a different. NAB Rewards vs Suncorp Clear Options

    • Heybargain on 04/05/2023 - 17:16

      too bad i had a NAB Qantas Rewards Signature Card back in June. 18 month wait time is a killer.

    • 1192291 on 31/05/2023 - 21:35

      Why? This one got lower fees….

  • mike0mike0 on 26/04/2023 - 14:14

    Need to be aware that some government charges does not incure points. My council fee payment did not incure points

    • mymumsaysiamhandsome on 26/04/2023 - 14:36

      Hmm… did you pay through Sniip?

      • GS9891 on 26/04/2023 - 18:39
        +5

        Unless someone is desperate to meet the minimum spend for one of these deals and can't spend elsewhere, the 1.5%~ Sniip charges isn't worth it, most reward programs are 0.5 - 1% value tops.

    • FirstWizard on 26/04/2023 - 15:01

      I pay my council rates through BPay via BeemIt

      • Javin on 26/04/2023 - 16:19
        +2

        Can you pay rent via DEFT BPAY using beemit

        • Sambuca on 26/04/2023 - 17:32
          +1

          I pay my rent using my credit card via Beemit

          • alcadive on 26/04/2023 - 20:03

            @Sambuca: Me too

          • [Deactivated] on 27/04/2023 - 02:16

            @Sambuca: wait, using BPay? i.e. as a bank transfer?

          • Javin on 27/04/2023 - 08:48

            @Sambuca: thanks how much Beemit charge for DEFT rent payment via credit card ?

            • FirstWizard on 27/04/2023 - 09:00
              +1

              @Javin: BeemIt doesn't charge anything.

              My strata is with DEFT as well and they don't charge anything for BPay payments either.

      • Crowing on 27/04/2023 - 06:24

        Does this mean the payment on the CC isn’t actually with BPAY and therefore it’s an eligible transaction for bonus points?

        • FirstWizard on 27/04/2023 - 09:00
          +1

          Yup, it appears on your statement as BeemIt

          • Crowing on 27/04/2023 - 09:03

            @FirstWizard: Legend - thanks for confirming mate!

            I wonder if BPAY payments to Vanguard for index fund investments would also be the same. Has anyone tried this?

            • FirstWizard on 27/04/2023 - 09:05

              @Crowing: I don't think so.

              You can look up the biller code on BPay website to see if that code allows payments via credit cards. If they say debit only, paying with a credit card will attract a cash advance fee, and will not be eligible for points.

              BeemIt even might not let you do it

              • Crowing on 27/04/2023 - 09:34

                @FirstWizard: Thanks mate - just checked on bpay site and it doesn’t accept credit card as option!

      • Poolprouk on 27/04/2023 - 15:55

        If possible you can pay your council rates via Postbillpay (using paypal). Mostly works for me (HSBC being the only exception who didn't give points) and no fees

  • freedomofspeech on 26/04/2023 - 15:20

    Anything similar with velocity points?

    • Wimothy Jongingtons on 26/04/2023 - 16:35
      +2

      yea just did one with citi, 75k velocity points. Minimum spend is stupidly easy to hit thanks to payall.

      • Bdawg on 05/05/2023 - 14:41

        Can you explain this or point me in the right direction? I have two citi applications pending. They are going to be hard one is $2k via apple pay (wtf) and the other is $4k regular.

        • Wimothy Jongingtons on 05/05/2023 - 20:38

          I don't know about the apple pay one, but maybe you can deposit cash into revolut via citi CC, cop the small tx fee and hit that 2k spend, and withdraw back to your acc. And for the 4k one, you just need to set up payall (search payall on ozbargain for instructions).

          Good coincidence, I just got my points deposited into velocity today. overall citi card has been the easiest churn of my life, followed by amex, annoying one was virgin money as they are a b*** regarding what counts as valid spend and what doesn't but I ended up spending 2k on woolies/eg fuel cards.

  • Kayfam on 26/04/2023 - 15:22
    +4

    Got this card now, for those that care it doesn't work with Google Wallet. Minor annoyance but it does work with Samsung pay and I think Apple pay.

    • Chopel on 26/04/2023 - 20:53

      Also doesn't work with fitbit pay.

    • bobloblawlawblog on 26/04/2023 - 23:21
      +1

      damn thats a major inconvenience imo

    • daniel_ on 07/07/2023 - 17:29
      +1

      Just got the card onto Google wallet. Maybe it works now? Or just for me

      • Kayfam on 09/07/2023 - 18:26

        Yep works for me now. Must be a new addition because it definitely didn't before. Probably as a result of the NAB takeover.

  • madreece on 26/04/2023 - 15:35
    +5

    Earn 0.5 Qantas Points for every $1 spent on Eligible Transactions, capped at $8,000 per Statement Period

    Definitely a churn not a keeper.

    • FirstWizard on 26/04/2023 - 16:21

      For sure. Whats your Qantas points keeper?

    • slknv on 26/04/2023 - 16:32

      ewww 0.5 points per dollar. Churn and burn.

  • Futura on 26/04/2023 - 15:54

    Nice, I like ANZ.

  • anti-hero on 26/04/2023 - 15:57

    how much dollar does 70,000 Bonus Qantas Points worth, As of March 2023, a Qantas Point is typically worth between 0.3 cents and 7 cents, depending on how you spend it.
    check this link
    https://www.finder.com.au/frequent-flyer-analysis-how-much-i…

    • Yuddenator123 on 26/04/2023 - 16:03
      +1

      Depends. Normally around 1c is the standard value - just depends on what you use it for.
      Flights to Sydney from Perth are $18K points one way or 36K return + some $ for taxes.
      But essentially you're getting a $600 flight for 36K in points, which values them closer to 1.7c
      Upgrading to business class worth more

    • stayhome on 26/04/2023 - 16:20
      +1

      One way Classic Rewards Business class flight to Singapore ~68,000

    • Wimothy Jongingtons on 26/04/2023 - 16:32
      +1

      depends on how you redeem it, I've gotten the best bang for buck with one-way flights, and business class. I recently redeemed 95,000 velocity points (QF carries similar value) on SYD-SFO on United Business, which would've cost me $8,600 one way or $11k return. So in my case, 95,000 points gave me a value of ~ $5500 at a minimum.

      • endolphin on 26/04/2023 - 19:31
        +2

        Yeh but pretend for a moment that there was such a thing as "reverse upgrade" and the airline offered you a sum to bump you down to economy for that flight. I'm going to guess that you would be tempted by a sum that was a fair bit less than the difference in cash price between economy and business.

        • philldo on 26/04/2023 - 22:44
          +3

          it's late and I'm slow, but I'm not following this at all…

          • endolphin on 26/04/2023 - 23:02
            +3

            @philldo: I am just making the point that the value of points is very subjective. It is not what the cash price of a business flight is. In the above example a one way 12 hour flight is $5k. Now I am sure there are people in the world who do pay that, but it's the exception.

            Me personally, I'd never pay $5k. I'd maybe pay $2k. So you see, very subjective.

            • bobloblawlawblog on 26/04/2023 - 23:25
              +2

              @endolphin: The appeal is subjective, the financial value is objective. you save $X for Y points. whether or not it is worth $X is irrelevant - purely individual choice, no? Otherwise you can make the arugment for everything, its essentially meaningless

            • Wimothy Jongingtons on 26/04/2023 - 23:25
              +1

              @endolphin: I get ya, but personally I wouldn't be paying 12k for a flight unless it was peanuts to me, where I would not care if an airline (hypothetically) gave me 10k to downgrade to economy & sacrifice my comfort.

              I don't think subjectivity is a good way to look at it… The price of the flight is non-negotiable and set by the airline based on many factors, if an airline can charge 12k for a return flight, they absolutely will. To me, it's 5k value as I don't have the option to buy it at 2k - but I do have the option of using points. So it's a very simple valuation method, and I believe it's how most reward travellers value it.

              • endolphin on 26/04/2023 - 23:40
                +1

                @Wimothy Jongingtons: Well, they shouldn't. By your logic ozbargainers should be prepared to pay up to 5c per point (in surcharges, fees, whatever) because they are getting that much "value" from their points…

                I've used points to fly business to Europe return. Total cost was 350k velocity plus $200. Including the opportunity cost of the points (which I could sell for 1c) made the flight cost $3700. That compared with an economy flight around $1800. Now, I don't regret my choice, but it's not lost on me that I could have put up with economy and had nearly $2k extra in my pocket. But, yolo, whatever, I could afford to treat myself on that occasion. But I'm not sure about next time.

                BTW, whatever that business flight would have cost in cash (and I don't even know) is not relevant to me.

                • Wimothy Jongingtons on 26/04/2023 - 23:52
                  +1

                  @endolphin: I see your perspective 👍 fair.

                • [Deactivated] on 03/10/2023 - 12:49

                  @endolphin: THIS!

                  I could fly Business to Singapore, around $2,200 in pts value.

                  I can fly return for $1,000.

                  It's a short flight, and to be honest $1,200 in my pocket may be better!

    • puffinfresh on 27/04/2023 - 01:58
      +1

      I've just booked Sicily-London-Dubai business with British Airways for 75k points and $300.

      New York to Lima business with Latam Air for 75k points and $63.

  • eggboi on 26/04/2023 - 16:05
    +2

    Westpac Qantas / Velocity Platinum is a good one if you need to dodge NAB.
    - 70k velocity OR qantas points with $4k spend in 90 days.
    - $49 annual fee for the first year if you are already a westpac customer (just open an account and set up a monthly $2k in-out transfer)
    - There is an additional annual fee component for the QF / VA points side of things.
    - Comes with pretty decent free travel insurance provided by Allianz.
    - Access Shopback Westpac lounge by becoming a westpac customer.

    • johnjones8 on 28/04/2023 - 21:58

      I don't understand why westpac seems to be the only one out of all the banks/credit companies to make you verify your ID in branch during business hours though instead of solely online when you're opening an account with them for the first time. Happened to not only myself but relatives I convinced to sign up for the bonus points over the years.

      • eggboi on 29/04/2023 - 02:21

        It was all digital for me.

        • johnjones8 on 29/04/2023 - 11:07

          And also the only bank that requires you to go in-branch as well to close your basic choice account instead of having an option online. Didn't bother keeping it since I was still able to get the existing customer discount the second and subsequent years as they let you keep your customer ID and logins.

  • kaykay4 on 26/04/2023 - 16:09

    Damn, already applied for this card with suncorp 120,000 points 1 month ago. Did not realize this deal was on..sigh…

    • nightelves on 26/04/2023 - 16:59
      +1

      The 120k with Suncorp has a cheaper annual fee than this one.

  • mreddie on 26/04/2023 - 16:22
    +1

    What's the impact on regularly signing up to different credit cards for points in terms of credit score etc?

    • Remorhaz on 26/04/2023 - 16:43

      I've found it sometimes can dip slightly soon after being approved but overall over a handful of years of churning my credit score has gone up a little over time

      • wordsmith on 26/04/2023 - 17:15

        What's a slight dip like?

        • Remorhaz on 26/04/2023 - 17:39
          +2

          Equifax: 960 -> 951 -> 947 (after 2 cards recently)
          Experian: 823 -> 818
          So basically negligible - and if I don't get a new card the score will go back up pretty soon

          • wordsmith on 26/04/2023 - 18:35

            @Remorhaz: Wow, that really is slight dip. I only have about 4 years of credit history and less than 2 years of credit repayment record, mine drops by 50-70 with any application. This is when I have no missed payments.

    • nightelves on 26/04/2023 - 17:01
      +1

      Found it actually went up with the new credit reporting system. I'm considered an exception person to lend to vs being poor at the start of this year.

  • zerog101 on 26/04/2023 - 16:33
    +1

    where is the info for existing suncorp customers ?

  • Bugishere on 26/04/2023 - 17:21

    This is the only card I've been rejected for. I'd watch out if your a churner and a burner.

    • Goldenra1n on 26/04/2023 - 20:58

      I had the same problem with Suncorp. They "decisioned" me.

    • johnjones8 on 28/04/2023 - 21:54

      Did you already churn through NAB or Citi earlier this year as per the comments above?

      • Bugishere on 30/04/2023 - 05:58

        yeh probs.

        This was the last time they had this offer 18 months ago

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