Suncorp Gold Credit Card - Apply Online

Suncorp Gold Credit Card lets you consolidate your debt to a low 1.9% p.a for 9 months on balance transfers* while enjoying Gold Card benefits.

	Key Features:
	Earn 1 reward point per $1 spent, Points never expire Balance transfer rate of 1.9% for 9 months. Interest rate 20.50% p.a.* on purchases and 21.74% p.a. on cash advances Up to 55 interest free days on purchases Annual card fee of $120, Additional card holders free Joining Suncorp Qantas Frequent Flyer (optional) annual fee of $19 Credit limit of up to $25,000# Complimentary International Travel Insurance and Purchase Cover for lost, stolen, or damaged goods. FRAUDSHIELD® security protection and 24/7 customer service To apply for this card you need to earn a minimum income of $35,000 p.a.

Subject to your acceptance of the card, an annual account fee which is currently $120 for the Primary Suncorp Clear Options Gold card will be charged to your account. Allow up to 15 working days to process your Application subject to verification.

The cash advance interest rate for the Suncorp Clear Options Gold card is currently 20.74% p.a. and the standard variable interest rate on the Suncorp Clear Options Gold Card is currently 20.50% p.a. Interest rates are variable and subject to change and our credit criteria. Interest rates effective from 04/08/2011

1. Actual credit limit will be assigned based on Citigroup's credit criteria subject to confirmation that you earn a minimum of $30,000 p.a.

2. All Rewards are subject to the Terms and Conditions of the Suncorp Bank Rewards Program. Cash advances do not earn Reward points. Suncorp Bank Rewards points never expire while the card remains open.

3. Suncorp Take Flight Travel Service call centre is operated by Pinpoint Travel Group Pty Ltd, Licence No. 2TA002974. Travel booked via the call centre must be paid in full using the customer's Suncorp Rewards Credit Card, with a cashback processed to the value of points redeemed. Cashback on customer account may take up to 14 days. Redemption via the Take Flight Travel Service call centre is available only to customers enrolled in the Suncorp Rewards Program and is not available to cardholders who enrol in airline frequent flyer direct earn rewards programs. All offers are subject to availability and change without notice. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking.

4. International Travel Insurance, Purchase Cover Insurance, Extended Warranty Insurance and Transit Accident Insurance are provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and are subject to Terms and Conditions and exclusions available at suncorpbank.com.au/cardinfo. An excess applies to Purchase Cover Insurance.

5. An additional annual fee of $19 will apply to join Suncorp Bank Qantas Frequent Flyer rewards program. Terms and Conditions of Suncorp Bank Qantas Frequent Flyer rewards program apply. The Suncorp Clear Options primary cardholder must be a member of the Qantas Frequent Flyer rewards program to earn Qantas Frequent Flyer points. A joining fee applies. Membership is subject to Qantas Frequent Flyer t rewards program terms and conditions. Only Qantas Frequent Flyer points can be earned in Suncorp Bank Qantas Frequent Flyer rewards program and are subject to the terms and conditions of the Qantas Frequent Flyer rewards program.

6. The joint issuers of Credit Guard are Suncorp Life and Superannuation Limited ABN 87 073 979 530, AFSL No. 229880 and MTA Insurance Limited ABN 35 070 583 701, AFSL No. 239545. The distributor is Citigroup Pty Limited ABN 88 004 325 080 AFSL No 238098. Terms, conditions, exclusions and acceptance criteria apply. Cover limits apply as set out in the policy wording. This material does not take into account your individual objectives, financial situation or needs, and you should consider whether it is appropriate for you. Please read the Product Disclosure Statement available at suncorp.com.au/cardinfo to decide if a policy is right for you.

7.The maximum 55 days interest free period applies when you pay your balance off in full for 2 consecutive months. If you carry a balance on your credit card from month to month the 55 days interest free period does not apply and you are charged interested once you make a purchase. There is no interest free period for Cash Advances or Balance Transfers.

8. Apply by 31 October 2011 and you will earn 2 Suncorp Bank rewards points for every $1 spent on Retail Purchases for six months commencing on the date your account is set up by us, up to the value of 20,000 reward points on your Suncorp Clear Options Gold Card. Promotion excludes Suncorp Bank Qantas Frequent Flyer points. After the six month period your rewards points earn rate will revert to the standard Suncorp Bank Rewards earn rate. Cash Advances, Balance Transfers, Special Promotions and existing Suncorp Credit Cardholders are excluded from this offer. All Rewards are subject to the Terms and Conditions of the Suncorp Bank rewards program.

9. The 1.9% p.a. interest rate with this offer applies to balance transfers for a period of 9 months. You can transfer total balances up to 80% of your credit limit. The credit limit is subject to our credit criteria. Transferred balances are repaid first. At the end of the balance transfer offer period your interest rate will revert to the Cash Advance interest rate which is currently 20.74% p.a. for the Suncorp Clear Options Gold Card . Any transactions made other than with this offer are at the standard variable rates, currently 20.50% p.a. for retail purchases and 20.74% p.a. for cash advances for the Suncorp Clear Options Gold Card. Interest rates are variable and subject to change. The 1.9% p.a. balance transfer interest rate will not be valid for transfers from other Citigroup or Suncorp Credit Cards. Interest rates effective from 04/08/2011. Offer ends 31/10/2011.

Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian Credit Licence No. 238098 ("Citigroup") is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722 ("Suncorp Bank") promotes and distributes Suncorp Clear Options Credit Cards on Citigroup's behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and phone banking).