Get the Finder app 🥳

Track your credit score

Free

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.

Updated

Fact checked
Lady sitting at desk paying bills with credit card.

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

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.

American Express Credit Card Offer

Qantas American Express Premium Card

100,000 bonus Qantas Points &
50 bonus Status Credits

Offer ends 04 November 2020

Eligibility criteria, terms and conditions, fees and charges apply

American Express Credit Card Offer

The Qantas American Express Premium Card offers 100,000 bonus Qantas Points, 50 bonus Status Credits and up to 2 Qantas Points per $1 spent on eligible purchases.

  • Get 100,000 bonus Qantas Points and 50 bonus Status Credits when you're approved and spend $3,000 in the first 3 months.
  • Earn 1 Qantas Point per $1 spent, 0.5/$1 on government spend and 1 additional point on select Qantas Australia spend.
  • Complimentary travel insurance and two complimentary single entry invitations to the Qantas Club Lounge per year.
  • Annual fee of $249 and purchase interest rate of 20.74% p.a.
Go to Site
Promoted

Compare frequent flyer credit cards

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
NAB Qantas Business Signature Card
100,000
Qantas Frequent Flyer
0.66
18.5% p.a.
$295
Receive 100,000 bonus Qantas Points and earn points on everyday business purchases. Also get up to 44 days interest-free. ABN required.
St.George Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
Bank of Melbourne Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
BankSA Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months. Plus a 0% balance transfer offer.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
HSBC Platinum Qantas Credit Card
20,000
Qantas Frequent Flyer
1
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
loading

Compare up to 4 providers

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
N/A
Velocity Frequent Flyer
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 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 Platinum Card
50,000
Velocity Frequent Flyer
1.25
20.74% p.a.
$375
Get 50,000 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
N/A
Velocity Frequent Flyer
0.75
20.74% p.a.
$0
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
American Express Velocity Business Card
N/A
Velocity Frequent Flyer
1
N/A
$249
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.
loading

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 transactionsExclusions 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).


If making bill payments are considered an eligible transaction, 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 pay your balance in full each month and won't be charged any interest on these transactions. If you do rack up interest, the debt you'll collect will quickly outweigh any perks you get from earning points.

Picture: Getty

Back to top

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

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

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
loading

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.

Go to site