We all get dozens of emails every day, sometime the SPAM emails are obvious to spot sometimes they are not.
The easy ones have poor grammar, spelling mistakes or poor translation from the country of origin, we refer to them affectionately as "Chinglish" mistakes.
Some are pretty good, and if you are not sure then how do you check.....
The example below from Suncorp looks pretty good with no obvious errors, the next thing to do is move your mouse over the places where the email wants you to go, the links.
In this case you can see the page that you are being re-directed to has no relationship to Suncorp, this is a dead giveaway that the email is fake and you are being re-directed to a site that has been hacked.