Can I earn frequent flyer points when I pay bills with a credit card?

Reward your spending and compare the credit cards that consider bills an eligible purchase to earn points.

Last updated:

Lady sitting at desk paying bills with credit card.

You can use a frequent flyer credit card to earn points per $1 you spend on eligible purchases. But does this include bills and utilities? While some credit cards don't consider these transactions as an eligible purchase to earn points, some do. You can use this guide to compare credit cards that reward points for bill payments as well as other factors and restrictions to consider.

Compare frequent flyer credit cards

Updated January 24th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
St.George Amplify Platinum - Qantas - Online Offer
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Westpac Altitude Platinum Bundle
110,000 bonus points
Westpac Altitude Rewards
Amex
2
Visa/MC
1
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Collect up to 110,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex).
Westpac Altitude Platinum Qantas - Online Offer
40,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 40,000 bonus Qantas Points when you spend $2,000 within 90 days of approval. Plus, a 0% balance transfer and complimentary insurance.

Compare up to 4 providers

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, what is considered an "eligible transaction" to earn points will vary between providers. For example, some 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 the different providers with reward programs that let you earn reward points for most everyday purchases as well as the types of transactions that are not eligible for earning points and whether or not BPAY payments are excluded.

Providers that earn points on credit card transactions

Exclusions for earning points

American Express

Excludes 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.

Bankwest

Excludes cash advance and gambling transactions, interest charges, credit card and other banking fees and charges, fraudulent transactions, foreign exchange purchases and government charges.

HSBC

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.

Macquarie Bank

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.

Woolworths

You cannot earn points on GST and government charges. Other exclusions are interest and other bank fees, cash advances, special promotions, business transactions, refunded transactions, gambling transactions and payments for credit card protection insurance.

ANZ

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 are interest charges, government charges, bank fees, ATO payments and balance transfers.

Bank of Melbourne

Excludes cash advance transactions, 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.

BankSA

You will not be able to earn reward points if your bill issuer charges the payment as a cash advance and you don't use BPAY to pay the bill. Other exclusions are 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.

Citi

You will not be able to earn points on bills if it is processed as a cash advance or if the payment is made via BPAY. Other exclusions are cash balance transfers, special promotions, bank fees, government charges, ATO payments, business transactions and insurance charges.

CommBank

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 are 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 or Business Platinum Awards card).

NAB

Transactions that are processed as cash advances or made through BPAY or over the counter at a bank are ineligible for earning points. Other exclusions are 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.

Diners Club

This excludes 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.

St.George

Excludes 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.

Suncorp

Excludes cash advances or payments made via BPAY, 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.

Virgin Money

Excludes cash advances or payments made via BPAY, 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.

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).

How to earn more frequent flyer points for more tips


If these transactions are considered an eligible purchase, using a credit card to cover your bills can be a rewarding way to earn points on an essential expense. As rewards and frequent flyer credit cards usually charge high interest rates, it's only worth it if you always pay your balance in full each month and won't earn any interest on these transactions. If you do attract interest, the debt you'll collect will quickly outweigh any perks you get from earning points.

Compare credit cards that earn points

Updated January 24th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.66
20.74% p.a.
$129 p.a.
Save with a 0% p.a. interest rate on balance transfers for the first 22 months. Plus, collect up to 30,000 bonus Velocity Points.
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
St.George Amplify Platinum - Qantas - Online Offer
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
American Express Velocity Platinum Card
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
St.George Amplify Platinum - Online Offer
100,000 bonus points
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Get 100,000 bonus Amplify Points when you spend $2,000 in the first 90 days. Plus, a balance transfer offer of 0% interest for 22 months.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Platinum Business Card
150,000 bonus points
Membership Rewards
Amex
2.25
N/A
$1,750 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
Westpac Altitude Platinum Qantas - Online Offer
40,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 40,000 bonus Qantas Points when you spend $2,000 within 90 days of approval. Plus, a 0% balance transfer and complimentary insurance.
NAB Qantas Business Signature Card
100,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.66
18.5% p.a.
$295 p.a.
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free. ABN required.
Westpac Altitude Platinum Velocity - Online Offer
40,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Receive 40,000 bonus Velocity Points when you spend $2,000 within 90 days. Plus, a 0% p.a. balance transfer and yearly upgrade vouchers.
Westpac Altitude Black - Velocity
80,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.75
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
American Express Westpac Altitude Platinum Bundle - Velocity
75,000 bonus points
Velocity Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).

Compare up to 4 providers

Updated January 24th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
St.George Amplify Platinum - Qantas - Online Offer
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
Qantas Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
Westpac Altitude Platinum Qantas - Online Offer
40,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 40,000 bonus Qantas Points when you spend $2,000 within 90 days of approval. Plus, a 0% balance transfer and complimentary insurance.

Compare up to 4 providers

Updated January 24th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
American Express Velocity Platinum Card
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Velocity Escape Card
Velocity Frequent Flyer
Amex
0.75
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.66
20.74% p.a.
$129 p.a.
Save with a 0% p.a. interest rate on balance transfers for the first 22 months. Plus, collect up to 30,000 bonus Velocity Points.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
American Express Velocity Business Card
Velocity Frequent Flyer
Amex
1
N/A
$249 p.a.
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
Westpac Altitude Black - Velocity
80,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.75
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
American Express Westpac Altitude Black Bundle - Velocity
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
Visa/MC
0.75
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$399 p.a. annual fee for the first year ($499 p.a. thereafter)
Up to 100,000 bonus Velocity Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.

Compare up to 4 providers

Updated January 24th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.66
20.74% p.a.
$129 p.a.
Save with a 0% p.a. interest rate on balance transfers for the first 22 months. Plus, collect up to 30,000 bonus Velocity Points.
St.George Amplify Platinum - Qantas - Online Offer
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
American Express Velocity Platinum Card
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
St.George Amplify Platinum - Online Offer
100,000 bonus points
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Get 100,000 bonus Amplify Points when you spend $2,000 in the first 90 days. Plus, a balance transfer offer of 0% interest for 22 months.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
American Express Westpac Altitude Platinum Bundle - Velocity
75,000 bonus points
Velocity Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
American Express Platinum Business Card
150,000 bonus points
Membership Rewards
Amex
2.25
N/A
$1,750 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
Westpac Altitude Platinum Velocity - Online Offer
40,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Receive 40,000 bonus Velocity Points when you spend $2,000 within 90 days. Plus, a 0% p.a. balance transfer and yearly upgrade vouchers.
Bank of Melbourne Amplify Platinum
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Get a $400 e-gift card when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary insurance covers.
Westpac Altitude Platinum Qantas - Online Offer
40,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 40,000 bonus Qantas Points when you spend $2,000 within 90 days of approval. Plus, a 0% balance transfer and complimentary insurance.
David Jones American Express Platinum Card
30,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards points or 15,000 Qantas Points on eligible spend.
Westpac Altitude Platinum Card - Online Offer
40,000 bonus points
Westpac Altitude Rewards
Visa/MC
1
20.49% p.a.
$150 p.a.
Earn 40,000 bonus Altitude Points when you spend $2,000 within 90 days of card approval. Plus, a 0% p.a. balance transfer offer for 20 months.
American Express Velocity Escape Card
Velocity Frequent Flyer
Amex
0.75
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.
American Express Westpac Altitude Platinum Bundle
110,000 bonus points
Westpac Altitude Rewards
Amex
2
Visa/MC
1
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Collect up to 110,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex).
St.George Amplify Signature
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Earn up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
Qantas Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
American Express Business Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
Amex
2
16.99% p.a.
$395 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points. Plus, 2 yearly lounge passes on this business card.
NAB Rewards Business Signature Card
100,000 bonus points
NAB Rewards
Visa/MC
1.25
18.5% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
Bank of Melbourne Amplify Signature
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
BankSA Amplify Signature
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Get up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
BankSA Amplify Platinum
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Receive a $400 e-gift gard when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary travel insurance.

Compare up to 4 providers

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22 Responses

  1. Default Gravatar
    TimmyDecember 6, 2018

    Are there any cards right now that do give reward points for BPAY payments?

    • Avatarfinder Customer Care
      JhezDecember 11, 2018Staff

      Hello Timmy,

      Thank you for your comment.

      According to the article above, most banks don’t allow earning reward points on BPAY transactions. However, you can earn reward points by paying bills using your ANZ credit card with billers that accept credit card payments via BPAY and this is subject to terms and conditions.

      It’s important that you check with your card PDS to confirm whether BPAY transactions are considered an ineligible transaction.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    SaileshJuly 2, 2016

    Is there a credit or cash card that can earn reward points on mortgage payments?

    • Avatarfinder Customer Care
      DeeJuly 7, 2016Staff

      Hi Sailesh,

      Thanks for your inquiry.

      Most credit cards that let you earn points on purchases will also let you earn points when paying rent or mortgage. However, it is best if you inquire from your mortgage company if credit card payment is accepted.

      Cheers,
      Anndy

  3. Default Gravatar
    HamishApril 21, 2016

    With a credit card such as a Platinum attached to Qantas points, if we load the credit card with funds, then have a direct debit to pay down a home loan with another bank, will we get credited with the points on the transaction?

    • Avatarfinder Customer Care
      MayApril 21, 2016Staff

      Hi Hamish,

      Thanks for your inquiry.

      Using a Qantas frequent flyer credit card for your eligible purchases will let you earn Qantas points. As for the payment for a home loan, you can earn points if the company you’re having a loan with happens to be a partner of Qantas. Please check your email as I sent you the page where you can find information about earning points with Qantas.

      Cheers,
      May

  4. Default Gravatar
    laraineApril 6, 2016

    Hi I am looking for a card that I can use to pay everyday expenses, insurance, health insurance foxtell, utilities, etc at the moment I have a set amount that I pay automatically into an account weekly and then pay these bills as they come in Direct Debits etc. There is always a reasonable amount of money in this account. Using this same principle how can I maximise my velocity or Qantas points. Which credit card should I go for?

    • Avatarfinder Customer Care
      AllyApril 6, 2016Staff

      Hi Laraine,

      Thanks for your inquiry.

      Kindly note that finder.com.au is an online comparison service and is not in a position to recommend specific products, credit card issuers, and services.

      However, you might want to check out the tips on our page called Tricks on how to earn frequent flyer points and also compare the different frequent flyer credit card options there until you find one that’s highly suitable to your needs.

      I hope this has helped.

      Cheers,
      Ally

  5. Default Gravatar
    RyanSeptember 10, 2015

    Do you know if I use my Westpac Qantas Black card via BPay, am I able to earn QFF points?

    • Avatarfinder Customer Care
      JonathanSeptember 10, 2015Staff

      Hi Ryan, thanks for your inquiry!

      Generally BPAY payments can qualify as eligible purchases. However this will depend on the type of transaction you are making (retail purchase, bill payment etc) and the merchants agreement with BPAY. To ensure QFF points earnings if the transaction is not a retail purchase it would be best to contact the respective merchant.

      Cheers,

      Jonathan

  6. Default Gravatar
    ThomasAugust 12, 2015

    If I pay my bills using my NAB Qantas Platinum reward Visa credit card by BPAY, do I still earn Qantas Frequent Flyer points?

    • Avatarfinder Customer Care
      JonathanAugust 13, 2015Staff

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit card merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction to ensure points earnings.

      I hope this helps.

      Cheers,

      Jonathan

    • Avatarfinder Customer Care
      JonathanAugust 13, 2015Staff

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit card merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction to ensure points earnings.

      I hope this helps.

      Cheers,

      Jonathan

    • Avatarfinder Customer Care
      JonathanAugust 13, 2015Staff

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit cad merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction.

      I hope this helps.

      Cheers,

      Jonathan

  7. Default Gravatar
    JaneenMay 14, 2015

    I’m looking for a credit card that will earn me Velocity Points for paying my rent. Do you know if this exists?

    • Avatarfinder Customer Care
      JonathanMay 14, 2015Staff

      Hi Janeen, thanks for your inquiry!

      As per the terms and conditions for Velocity Rewards, eligible transactions mean “Retail Purchase which is made by the use of a Card or any other means permitted by us.” Unless the rental payments are accepted as retail purchases by the bank/merchant, unfortunately no Velocity points will be accumulated. You may like to refer to the following link for rewards credit cards and offers.

      Cheers,

      Jonathan

  8. Default Gravatar
    RICHARDFebruary 17, 2015

    Is there any credit card that will earn points for paying state land tax?

    • Avatarfinder Customer Care
      ElizabethFebruary 17, 2015Staff

      Hi Richard,

      Thanks for your question.

      There are a few credit card issuers that let you earn reward points for paying tax. You might want to take a look at this page and this page to find out about credit cards that let you earn reward points for paying your tax.

      Hope this will help.

      Thanks,

      Elizabeth

  9. Default Gravatar
    AkFebruary 15, 2015

    hi, does citibank credit card pay points for bpay payment?

    • Avatarfinder Customer Care
      JonathanFebruary 16, 2015Staff

      Hi Ak, thanks for your inquiry!

      Citibank Rewards points can be gained through everyday purchases, direct debit and selected bonus partners. It depends on whether your transaction is supported by Bpay. If Bpay is accepted then it will attract rewards points.

      Cheers,

      Jonathan

  10. Default Gravatar
    gillianJuly 23, 2014

    hi i am interested in getting a credit card for my husbands business and i would like to accrue sky reward points for flights with emirates. i also wish to know the cost per transaction and if he can use for paying suppliers. thanks

    • Avatarfinder Customer Care
      ShirleyJuly 24, 2014Staff

      Hi Gillian,

      Thanks for your question.

      Unfortunately at the moment we don’t compare business cards that let you directly earn Skyward miles. However, there are some business cards that allow you to earn reward point and then you can convert them into Skywards miles.

      You can compare business credit cards on this page. Generally you can use these cards for paying suppliers.

      Cheers,
      Shirley

Credit Cards Comparison

Updated January 24th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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