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Gold Card



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1 point for $1 spentVisaUp to $1,500 monthlyeligible transactions
0.5 points for $1 spentVisauncappedeligible transactions
  • Free Supplementary Cards
  • Purchase Protection Covers up to $125,000 per year


The Suncorp Bank Gold credit card has a moderately high annual fee, high interest rates and a moderate interest-free period. It has a high credit limit and a low late payment fee. This card also allows for up to four additional card holders (age 16 or older) at no extra cost.

The Suncorp Bank Gold card has an associated rewards scheme. The Suncorp Rewards Program lets members earn 1 Reward points for every $1 spent up to $1,500 per month. After you’ve reached your cap, your card will receive 0.5 points per $1 spent. The card earns points for everyday spending like groceries, petrol and dining, and can be redeemed for travel, merchandise, gift cards, vouchers and more. Rewards points can be redeemed as often as you wish either online or over the phone.

This card comes with added security for online purchases and fraud detection.

  • Four free additional cardholders
  • High credit limit
  • Earn rewards points
  • Moderately high annual fee
  • High interest rates
  • No complimentary insurance

Who is it good for?

The Suncorp Gold credit card is best suited to card holders who spend regularly on their card and pay their balance in full each month. It may also be a good fit for potential customers who want plenty of variety in their rewards program, as this card awards points that can be redeemed for a wide range of products and perks.

The Suncorp Bank Gold card is not necessarily well suited to budget card holders. The card’s high interest rates could become costly for customers who don’t pay their bill in full and on time every month. The moderately high annual fee may deter customers in search of a no-fee credit card. For potential card holders who want a card that minimises unnecessary costs, a credit card with no annual fee and no rewards scheme may be a better fit.

What RateCity says

The Suncorp Bank Gold card may be a sensible credit card for existing Suncorp customers who want to keep their banking under one roof, but offers little benefit to those who do not already bank with Suncorp. While this card has a reasonable rewards scheme that provides adequate variety, potential customers can likely find a similar rewards scheme with a card from their current bank. If you’re looking to keep your banking in one place, it may be best to contact your bank for current card offers.

The Suncorp Bank Gold credit card also has a relatively high international transaction fee, as well as a fee for overseas ATM use. As such, this card may not be appropriate for customers who need a card they can use on international holidays.


Potential customers who want to apply for the Suncorp Bank Gold credit card must be at least 18 years old with a minimum annual income of $30,000. Applicants must also have a good credit rating. To apply, you’ll need to provide your contact and identification information, as well as your employment and financial details. You can apply online through a secure portal and save your application to be completed in several sessions.

About Suncorp Bank

Suncorp Bank is part of the Suncorp Group, headquartered in Brisbane. Suncorp offers banking, insurance and superannuation solutions to individuals and businesses. Their banking services include bank accounts, credit cards, loans and investments. They offer home, car, life, health and travel insurance to consumers as well as a superannuation fund. Suncorp Group is a Top 20 ASX listed company and has over nine million customers across Australia and New Zealand.

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