Turn the burden of paying your bills into a benefit by earning frequent flyer points on your credit card.
Whether they're due monthly, quarterly or yearly, bills are a major part of adult life and usually take up a substantial amount of your income. But the cost of bills can be used to your advantage if you pay them with a credit card that earns points.
This can be an easy way to boost your points balance and redeem rewards faster. Here, we compare the different ways you can earn frequent flyer points or credit card rewards points for paying bills on your card, as well as some of the limitations and restrictions that may apply.
Which credit card providers let you earn reward or frequent flyer points for paying bills?
Most reward and frequent flyer credit cards offer you points per $1 spent on everyday transactions. However, the range of "eligible transactions" that earn points can vary between providers. For example, many rewards programs exclude utility payments and government charges from earning points, or offer a reduced rate of points for these types of payments.
The table below includes details of the reward programs associated with different providers, the types of transactions that are not eligible for points and whether or not BPAY payments are excluded.
Key details for earning points
Partnered frequent flyer programs
Most transactions are eligible to earn points at the specified rate for your card. Note that some cards have a reduced rate of 0.5 points per $1 for utility payments and government charges.
Exclusions include any charges prior to your enrolment date in the program, cash advances, travellers cheques, charges for dishonoured payments, interest charges, fees and charges associated with your American Express credit card, late payment charges, "pay plus points" transactions, promotional offers and balance transfers.
If you have a frequent flyer Qantas or Velocity card, your points will be debited directly to your frequent flyer account. Otherwise, you'll have the option to exchange your Membership Rewards for frequent flyer points with partnered programs.
You can earn reward points for most everyday purchases, including groceries, fuel and many bills. Exclusions include cash advance and gambling transactions, interest charges, credit card and other banking fees and charges, fraudulent transactions, foreign exchange purchases and government charges.
You can either earn Bankwest More Rewards or Qantas Points depending on the Bankwest card you're using.
Ineligible transactions for earning points includes balance transfers, cash advances, interest free transactions and HSBC's special promotions, business expenses, fees or charges (including government), any value charged to your card in association with a "points-plus-pay" redemption, a transaction which HSBC decides is fraudulent or involves the abuse of a card, a disputed debit transaction and BPAY transactions.
If you want to earn Qantas Points on bills, you could opt for the HSBC Platinum Qantas Credit Card. Otherwise, you could earn HSBC Rewards which you can also exchange for Velocity Points.
You won't earn points for GST and government charges (including ATO payments), BPAY payments, interest and other bank fees and charges, cash advance transactions, special promotions such as balance transfers, transactions made in operating a business or in connection with business expenditure, refunded transactions and payments for credit card protection insurance.
So, as long as you're not using your card to pay bills via BPAY or to cover bank fees, you should be able to earn points on bills and utilities. If you'd like to earn frequent flyer points, Macquarie Bank offers rewards cards that earn Qantas Points directly.
Points can be earned by paying utility bills, but you cannot earn points on GST and government charges. Other exclusions include interest and other bank fees, cash advances, special promotions, business transactions, refunded transactions, gambling transactions and payments for credit card protection insurance.
You will initially earn Woolworths Rewards, but these can be exchanged for Qantas Points if you'd prefer to earn frequent flyer rewards.
You can earn reward points by paying bills with your ANZ credit card with billers that accept credit card payments via BPAY (subject to the terms and conditions of the individual cards).
Bill payments from your ANZ credit card can be processed as either a purchase or a cash advance, depending on how the biller is set up with the BPAY billing service. If the payment is treated as a cash advance, you will be charged a cash advance fee and won't earn points. Other reward exclusions include interest charges, government charges, bank fees, ATO payments and balance transfers.
If you opt for a card that earns ANZ Rewards, you can redeem your points at the ANZ Rewards website or exchange them for frequent flyer points with Velocity, Airpoints, KrisFlyer and Asia Miles. Otherwise, you could use one of the ANZ frequent flyer cards that earns Qantas Points if you prefer earning frequent flyer points directly.
You can earn Amplify Rewards on bills as long as they're considered a purchase and not a cash advance by the company issuing the bill. Other points exclusions include government charges (other than GST payable in connection with the purchase of goods or services on which you earn points), interest and other bank fees and charges, cash advances, balance transfers and BPAY payments.
While you can't directly earn frequent flyer points with Bank of Melbourne credit cards, you can exchange your Amplify Rewards for Velocity Points, KrisFlyer Miles or Malaysia Airlines Enrich Miles. You can also set up auto-redemption if you'd like to automatically exchange your Amplify Rewards for Velocity Points.
You can earn points on eligible purchases, so you should be able to earn reward points as long as your bill issuer doesn't charge the payment as a cash advance and you don't use BPAY to pay the bill. Other points exclusions include government charges (other than GST payable in connection with the purchase of goods or services on which you earn points), interest and other bank fees and charges and balance transfers.
If you want to earn frequent flyer points, you can exchange your Amplify Rewards points for Velocity Points, KrisFlyer Miles or Malaysia Airlines Enrich Miles.
|Most purchases made using a Citi Rewards credit card are considered "eligible transactions". So, you should be able to earn points on bills unless it is processed as a cash advance or make the payment via BPAY. Other points exclusions include cash balance transfers, special promotions, bank fees, government charges, ATO payments, business transactions and insurance charges. Please refer to the Citi Rewards terms and conditions for full details.Depending on the card you choose, you can earn Citi Rewards, Qantas Points or Emirates Skywards Miles with your card. If you opt for a Citi Rewards card, you can also exchange your points for Emirates Skywards Miles, Singapore Airlines KrisFlyer Miles or Velocity Points.|
|As long as the transaction isn't processed as a cash advance or via BPAY, you should earn points when using your CommBank card to pay bills. Other points exclusions include ATO payments (unless made using a Business Awards card), balance transfers, foreign exchange purchases, credit card insurance premiums, travellers cheques, interest charges, Qantas Frequent Flyer Direct fees, bank fees, card account payments and transactions deemedOther points exclusions include ATO payments (unless made using a Business Awards card), balance transfers, foreign exchange purchases, credit card insurance premiums, travellers cheques, interest charges, Qantas Frequent Flyer Direct fees, bank fees, card account payments and transactions deemed as business purposes (unless you're using a Business Awards, Business Gold Awards or Business Platinum Awards card).|
You can earn NAB Rewards and frequent flyer points on bills as long as they're considered eligible purchases and aren't processed as cash advances or made through BPAY or over the counter at a bank. Other exclusions include card fees and charges, gambling and gaming costs, government fees and charges, business expenses, ATO payments, fraudulent transactions, refunded transactions, balance transfers and travellers cheques.
Depending on the card you use, you can earn NAB Rewards, flybuys (which you can transfer to Velocity Points) and Qantas Points when you use your card to pay bills.
Cardholders can earn and redeem Diners Club Reward points for everyday purchases and eligible transactions. These exclude annual, joining and other account fees, liquidated damages, late payment charges, Diners Club rewards membership fees, government charges and fees, taxes and any other amounts that Diners Clubs declares.
|Reward points are earned when you purchase goods and services. Exclusions include government charges (other than GST payable in connection with the purchase of goods or services on which you earn points), interest and other bank fees and charges, cash advances, balance transfers and BPAY payments.|
|You can earn Suncorp Rewards on eligible purchases including bills as long as they're not considered cash advances. Other exclusions include balance transfers, special promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and atm/bank charges, interest charges, finance charges, government charges, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the account, transactions made in operating a business and all other transactions if the account is more than $10,000 in credit on all other transactions.If you have a Suncorp Rewards credit card, you can earn Suncorp Rewards points and exchange them for points with partnered frequent flyer programs.|
|If you have a Virgin frequent flyer card, you can earn Velocity Points on eligible purchases. This will include bills unless they're processed as a cash advance or via BPAY. Other points exclusions include balance transfers, special promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the account and business transactions.||Velocity|
Can I earn points via BPAY?
As you can see in the table above, most banks don't allow you to earn reward points on bills or purchases made via BPAY. Check with your individual card product disclosure to confirm whether BPAY transactions are considered an ineligible transaction.
How else can I earn points for everyday expenses?
Apart from bills for services and subscriptions, if you're renting, then you may be able to earn even more frequent flyer points by paying with a credit card. Most real estate agents now provide this option and, depending on the payment system they use, it could be an easy way to earn more frequent flyer points for a major everyday expense.
For example, if your rent is $400 a week and you have a card that earns 1 Qantas Point per $1 spent, you would earn 1,600 points per month. Over a year, you'd rack up 19,200 Qantas Points just from paying your rent. That's enough for a return economy flight from Sydney to Melbourne (16,000 points), a one-way flight from Cairns to Bali (14,400 points), or a one-way flight from Melbourne to Auckland (18,000 points).
See our guide on how to earn more frequent flyer points for more tips.Back to top
What are the pros and cons of earning frequent flyer points on credit cards and bills?
Compare credit cards that earn points
Qantas Rewards Program
Rates last updated July 23rd, 2017.
- Westpac Altitude Card - Altitude Qantas
New offer of $20 discount every 3rd Uber ride, which is valid until 26 October 2017.
June 29th, 2017
- HSBC Platinum Qantas Credit Card
60,000 bonus points offer has been extended until 31 August 2017.
June 29th, 2017
- Westpac Altitude Black - Altitude Qantas
80,000 bonus points offer and $200 annual fee discount for the first year have been extended until 26 October 2017.
June 29th, 2017
Velocity Rewards Program
Rates last updated July 23rd, 2017.
- NAB Velocity Rewards Card
A new balance transfer offer of 0% p.a. for 6 months which is valid until 1 October 2017.
June 1st, 2017
- Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 18 months exclusive balance transfer offer has been extended until 31 July 2017.
June 15th, 2017
- Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points and 1.9% balance transfer offers have been extended until 31 July 2017.
June 15th, 2017
Other Rewards Programs
Rates last updated July 23rd, 2017.
- Woolworths Everyday Platinum Credit Card
$100 eGift Card plus BT & annual fee offers have been extended until 30 September 2017.
July 1st, 2017
- American Express Explorer® Credit Card
Bonus points offer changed from 50,000 to 100,000, which is valid until 2 October 2017.
July 4th, 2017
- American Express Platinum Card
Bonus points offer changed from 80,000 to 100,000, which is valid until 2 October 2017.
July 4th, 2017
If you already use your credit card for everyday payments such as bills, a frequent flyer or rewards credit card could be a great way to receive extra perks as you spend. Just remember to keep the details of eligible transactions in mind and consider the features and costs of the card to ensure that any rewards you receive from the card will outweigh the associated costs.