If you banked with Suncorp and used a credit card, you’ve probably noticed things have shifted. The Clear Options Credit Cards are gone, existing holders were moved to a new account, and Suncorp itself now sits under the ANZ Group umbrella — with two major transitions wrapping up by late November 2025.
New Cards Available: No · Parent Group: ANZ Group · Existing Holders: Clear Options Credit Cards supported · Minimum Credit Limit: $2,000
Quick snapshot
- Suncorp Clear Options Credit Cards discontinued (Suncorp Bank Official)
- NAB partnership ended 24 November 2025 (Suncorp Bank Official)
- ANZ acquired Suncorp Bank on 31 July 2024 (ANZ Bluenotes)
- Future credit card services under ANZ direction (The Adviser)
- Whether ANZ will launch replacement Suncorp-branded cards (The Adviser)
- Exact timeline for any Suncorp brand phase-out (The Adviser)
- Eftpos cards unusable after 23 November 2025 (Suncorp Bank Official)
- Clear Options-NAB arrangement ended 24 November 2025 (Suncorp Bank Official)
- All eftpos migrated to Visa Debit by 24 October 2025 (Suncorp Bank Official)
- Existing cardholders must use MyCard for servicing (Suncorp Bank Official)
- New credit card applicants directed to ANZ offerings (Suncorp Bank Official)
- Visa Debit now standard Suncorp debit product (Suncorp Bank Official)
The key facts about this transition are summarized below, drawing from official Suncorp and ANZ communications.
| Field | Value |
|---|---|
| Status | Discontinued for new customers |
| Owner | ANZ Group |
| Key Products | Clear Options Credit Cards |
| Annual Fee (Standard) | $55 |
| Min Credit Limit | $2,000 |
Does Suncorp Bank Have a Credit Card?
Suncorp Bank no longer sells credit cards. The Clear Options Credit Cards that were available through Suncorp have been discontinued, with the arrangement between Suncorp Bank and NAB ending on 24 November 2025. This means new applicants cannot apply for a Suncorp-branded credit card.
The closure of the Suncorp credit card line came as part of a broader restructuring following ANZ’s acquisition of Suncorp Bank, which completed on 31 July 2024. Since then, the Suncorp Bank credit cards page redirects visitors to ANZ credit card options.
Current availability status
As things stand, Suncorp Bank directs all credit card inquiries to ANZ offerings. The bank now operates as part of the ANZ Group, and its product lineup has shifted accordingly.
Existing Clear Options cardholders are not abandoned — their accounts were migrated to a NAB-issued MyCard product — but no new Suncorp credit cards will be issued under that brand.
Options for new customers
Anyone looking for a new credit card who previouslybanked with Suncorp now needs to look at ANZ’s range. ANZ offers multiple credit card types including low-rate options, low-fee cards, rewards programs, and frequent flyer cards.
Why Did Suncorp Get Rid of Credit Cards?
Suncorp Bank outsourced its credit card business as part of the transition away from products it no longer wished to maintain under the ANZ Group structure. The arrangement between Suncorp Bank and NAB for Clear Options Credit Cards ended on 24 November 2025.
For existing cardholders, this wasn’t a simple account closure — NAB issued a new MyCard Credit Card account to replace the Clear Options card. Once activated, the old Suncorp Clear Options physical card no longer works for purchases or cash withdrawals.
Outsourcing of credit card business
The decision to end the NAB partnership for credit cards appears to be part of a product rationalization. MyCard remains NAB-issued despite the Suncorp-ANZ merger, meaning the credit card servicing infrastructure stayed with NAB while Suncorp itself moved to ANZ ownership.
Suncorp Bank’s decision to discontinue credit cards mirrors a broader trend among mid-tier Australian banks simplifying their product suites post-acquisition.
Impact on existing holders
Existing Clear Options holders had their accounts transitioned to MyCard. The transition required card activation — after activation, the old Clear Options card ceased to function. Servicing moved to mycard.com.au or phone 13 24 84, completely outside the Suncorp Bank App and Internet Banking channels.
This created a practical shift for cardholders: account access now requires a separate MyCard login rather than the Suncorp banking app they may have used previously. Historical statements for Clear Options accounts can still be requested through MyCard on 13 24 84.
What Type of Card Is Suncorp?
Suncorp Bank now primarily offers Visa Debit cards. The bank’s eftpos card issuance ended on 10 December 2024, with all remaining eftpos cards transitioned to Visa Debit by 24 October 2025 per Reserve Bank of Australia instructions for dual-network compliance.
Visa Debit vs Credit Cards
The Visa Debit card functions as Suncorp’s primary debit product going forward. Lost or stolen eftpos cards have been replaced with Suncorp Visa Debit since 10 December 2024. The shift also brings Suncorp into compliance with RBA mandates requiring dual-network functionality on all Australian cards.
Existing eftpos cards became unusable after 23 November 2025. If you still hold a Suncorp eftpos card, it no longer works — contact Suncorp immediately for a replacement Visa Debit card.
Former credit card types
Previously, Suncorp offered two main credit card variants: Clear Options Platinum and Clear Options Standard. The bank also had a business credit card option, which has also been discontinued and confirmed unavailable as of 16 September 2025.
The business card specifications provide a reference point for Suncorp’s former credit card pricing structure.
| Feature | Suncorp Clear Options Business |
|---|---|
| Annual Fee | $45 p.a. |
| Purchase Rate | 18.45% p.a. |
| Interest-Free Days | Up to 55 days |
| Minimum Credit Limit | $2,000 |
| Maximum Credit Limit | $250,000 |
| Additional Cardholders | Up to 99 |
| Foreign Transaction Fee | 3.4% |
| Standard Rewards Opt-in | $20 p.a. |
| Qantas Premium Opt-in | $69 p.a. |
The implication: former Suncorp cardholders seeking similar features will need to compare ANZ’s current offerings, as the business card specifications above are no longer available.
Which Bank Is Suncorp Part Of?
Suncorp Bank is now part of ANZ Group. The acquisition completed on 31 July 2024, after Queensland law enabled the merger with protections for branches and employment. The deal brought 1.2 million customers and $54.6 billion in deposits under ANZ’s umbrella.
Relationship with ANZ Group
ANZ completed the Suncorp Bank acquisition on 31 July 2024, onboarding approximately 3,000 employees in the process. Under the terms of the acquisition, there are no ANZ or Suncorp branch closures across Australia for three years post-acquisition, and no net employment losses for three years.
ANZ has committed to government conditions imposed on the acquisition. Recent changes announced in September 2025 reflect ANZ’s focus on “better priorit[izing] its resources” following the integration, according to ANZ Newsroom.
Implications for services
Existing Suncorp products — including credit cards already transitioned to MyCard — will continue for customers. However, there are unconfirmed reports that the Suncorp brand itself may be phased out by end-2026, a claim The Adviser reported as still under consideration with no final decision made.
For existing Suncorp customers, the ANZ acquisition brings stability but also product simplification. Suncorp-branded credit cards are gone, and future offerings will likely be ANZ products with different features and fee structures.
The pattern: customers gaining stability from ANZ’s resources face the trade-off of reduced product diversity under the Suncorp brand.
Can I Use My Suncorp Card Overseas?
Whether you can use your Suncorp card overseas depends on what type of card you hold. Visa Debit cards — Suncorp’s current primary debit product — are internationally usable, functioning at any merchant or ATM that accepts Visa.
Visa Debit Card international use
Suncorp’s Visa Debit card works internationally wherever Visa is accepted. This includes point-of-sale transactions and cash withdrawals from ATMs abroad. Standard international transaction fees and exchange rates apply.
Credit card considerations
If you held a Suncorp Clear Options credit card, your card was migrated to MyCard as of the transition date. The MyCard account remains NAB-issued and should function internationally, though you should verify international usage terms directly with MyCard before traveling.
The arrangement between Suncorp Bank and NAB for Clear Options Credit Cards ended on 24 November 2025. Once activated, the old Suncorp Clear Options physical card no longer works for purchases or cash withdrawals.
— Suncorp Bank Official (Official notice on credit cards discontinuation)
Upsides
- Existing Clear Options holders transitioned to MyCard, not abandoned
- Visa Debit provides reliable international functionality
- No branch closures across Australia for 3 years post-acquisition
- ANZ offers diverse credit card options as replacement alternatives
- No net job losses across Australia for 3 years
Downsides
- No new Suncorp credit cards available
- Card servicing moved outside Suncorp’s own channels
- Eftpos cards expired 23 November 2025
- Suncorp credit card business product discontinued
- Uncertainty around Suncorp brand future
The confirmed facts paint a clear picture: Suncorp Bank has exited the credit card market, its eftpos cards are gone, and everything now routes through ANZ or, for existing cardholders, through NAB’s MyCard system. What’s less certain is whether ANZ will eventually launch Suncorp-branded credit products or phase out the Suncorp name entirely — rumours suggest a potential end-2026 phase-out, but ANZ has not confirmed this.
“My ambition is for ANZ to be the best bank for our customers, while ensuring we sustainably meet the performance expected over the long-term.”
— Nuno Matos, ANZ Chief Executive Officer (ANZ Newsroom, September 2025)
“That Suncorp Business Credit Card is no longer available in the market, so it’s no longer offered through Suncorp or our site.”
— Customer Service Representative (Creditcard.com.au)
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As Suncorp phases out its Clear Options card amid the ANZ transition, best credit cards Australia 2026 showcase leading alternatives for Australian consumers.
Frequently asked questions
How do I login to my Suncorp credit card?
Suncorp Clear Options credit card accounts are no longer accessible via Suncorp Bank App or Internet Banking. Existing cardholders should use MyCard services at mycard.com.au or call 13 24 84. You’ll need to set up a new MyCard account if you haven’t already.
How do I contact Suncorp credit cards?
For existing Clear Options cardholders, contact MyCard directly at mycard.com.au or phone 13 24 84. Suncorp Bank itself no longer handles credit card servicing for Clear Options accounts. For general Suncorp banking enquiries, existing channels remain available.
How do I make a Suncorp credit card payment?
Clear Options card payments are now handled through MyCard. Log in to mycard.com.au to make payments, set up direct debits, or manage your statement. Payment options and auto-pay setup transferred where possible during the migration.
What is the relationship between Suncorp and NAB for credit cards?
NAB originally issued Suncorp’s Clear Options credit cards under a partnership arrangement. That partnership ended on 24 November 2025, with existing accounts moved to NAB’s MyCard system. This means MyCard remains NAB-issued despite Suncorp’s subsequent acquisition by ANZ Group.
Does Suncorp offer Qantas points credit cards?
Suncorp no longer offers credit cards at all. Formerly, the Suncorp Clear Options Business card offered a Qantas premium rewards opt-in at $69 per annum. For Qantas-linked credit cards now, you would need to look at ANZ’s frequent flyer options or other major bank offerings.
What are the fees for existing Suncorp Clear Options cards?
The now-discontinued Suncorp Clear Options Business card carried a $45 annual fee with an 18.45% p.a. purchase rate and up to 55 interest-free days. The specific fees for consumer Clear Options Standard and Platinum variants were not publicly detailed, but the Business card provides a reference point for Suncorp’s former pricing structure.
Can existing Suncorp credit card holders apply for credit limit increases?
Existing Clear Options cardholders now manage increases through MyCard rather than Suncorp. Contact MyCard at 13 24 84 to inquire about credit limit changes on your migrated account. MyCard’s credit limit increase policies would apply — these may differ from Suncorp’s original terms.
Andrew Patel leads fact-checking, source verification and corrections at Oz Briefly.