The Credit Card that Meets all Balance Transfer Needs

Some credit card users shy away from low balance transfer credit cards because they usually have a short introductory period that will not permit enough time to fully repay the debt. Though they may be hard to find, a credit card that offers a low balance transfer rate for a lengthy period can assist credit card users in saving hundreds of dollars in interest payments. The Suncorp Clear Options Gold credit card provides an extended 15 month period for cardholders to satisfy their balance transfers.

The Suncorp Clear Options credit card is not your standard low rate card. Users earn one reward point for every dollar spent, and the points never expire if the card remains active. Card users can also earn two Qantas frequent flier reward points for every $3 spent. International flights are covered by complimentary international insurance, and purchases are covered by complimentary purchase insurance for items lost, stolen or damaged within the first 90 days.

However, card users must be willing to make annual payments of $99, plus an extra $15 for additional card holders and a $19 enrolment fee for the Qantas frequent flier program. The card carries a standard purchase rate and cash advance rate of 20.75%. Applicants seeking this credit card must have a good credit history, be at least 18 years of age, be an Australian citizen or permanent resident, and earn a minimum annual income of $35,000.