The Suncorp Platinum is an improvement on the Gold, but mostly due to the improved Qantas Frequent Flyer earn rate. For this interest rate and annual fee, there are far better reward programs.

Our mums taught us if we didn't have anything nice to say we shouldn't say anything at all, but our editor didn't like it when we submitted a blank piece of paper.

The Suncorp Plus Card is bad: high interest, vague or absent terms and conditions, poor rewards program. No wonder Suncorp hide the detailed information on fees, rewards and included insurance policies.

The Suncorp Standard has a good annual fee and looks great at first glance...until you calculate the impact of not having an interest free period.

Tumble down the rabbit hole to a land where the platinum card has a lower interest rate than the basic model.

The Citibank Clear Platinum is a very good mid-range card, offering some great services for a very low price. Just make sure you never accidently get cash out.