With an annual fee ($0 for the first year) the Suncorp Standard credit card starts out looking pretty good, but how does it fare with the rest of its features?

Well, if you have a tendency to need cash from your credit card every now and then, then the Suncorp Standard credit card is a pretty handy option to have, with an  interest rate p.a. on cash advances.

Most banks try to discourage this kind of behavior on a credit card by hiking up the cash advance rate, however Suncorp has chosen not to. Just be warned, it’s not quite a low enough rate for it to become an affordable regularity.

You will just need to be very careful about purchases as you will incur interest charges as soon as you buy.

Purchases on this credit card incur an even lower interest rate p.a., which is fairly average considering there are no interest free days to fall back on if you can’t make your bill payments each month.

This means that this card is potentially more hassle than it is worth when there are other cheaper cards out there.

See our top credit card picks in the Editor’s Choice category