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Can I earn frequent flyer points for paying bills with a credit card?

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.

Compare Frequent Flyer Credit Card Offers

Rates last updated August 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Receive complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Collect 75 bonus Status Credits when you meet the spend requirements. Plus, enjoy two complimentary Qantas Club Lounge invitations each year.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Apply by 31 October 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and 2 American Express Airport Lounge entries each calendar year.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.

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, 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.

Provider

Key details for earning points

Rewards Program

Partnered frequent flyer programs

American Express

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.

American Express Membership Rewards

  • Qantas
  • Velocity
  • Airpoints
  • Asia Miles
  • Etihad Guest
  • Emirates Skywards
  • KrisFlyer
  • Royal Orchid Plus

Bankwest

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.

Bankwest More Rewards

  • Qantas

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.

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.

HSBC Rewards/HSBC Rewards Plus

  • Qantas
  • Velocity

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.

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.

Macquarie Bank Rewards

  • Qantas

Woolworths

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.

Woolworths Rewards

  • Qantas

ANZ

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.

ANZ Rewards

  • Qantas
  • Velocity
  • Airpoints
  • KrisFlyer
  • AsiaMiles

Bank of Melbourne

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.

Amplify Rewards

  • Velocity
  • KrisFlyer
  • Malaysia Airlines Enrich Miles

BankSA

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.

Amplify Rewards

  • Velocity
  • KrisFlyer
  • Malaysia Airlines Enrich Miles

Citi

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.

Citi Rewards

  • Qantas
  • Emirates Skywards
  • Velocity
  • KrisFlyer

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 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).

CommBank Awards

 N/A

NAB

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.

NAB Qantas/flybuys/Velocity Rewards

  • Qantas
  • Velocity
  • Airpoints
  • Asia Miles

Diners Club

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.

Diners Club Rewards

St.George

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.

Amplify Rewards

Suncorp

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.

Suncorp Rewards

  • Velocity
  • Emirates Skywards
  • KrisFlyer

 

Virgin Money

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 Frequent Flyer

Velocity

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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?

Pros

  • Earn benefits as you spend. The most obvious perk is earning rewards for your essential and everyday payments. If you’re already paying your bills with your credit cards, you may as well get a return ticket to a tropical paradise in return, right?
  • Simplify the bill paying process. Using credit cards to pay the bills can make it easier to keep track of payments by separating them from your everyday bank account. You can save time dealing with bills by setting up automatic payments from your credit card, and then just make one repayment off the account when your statement due date comes around.
  • Improving your credit score. Paying your bills regularly and on time with a credit card can show lenders that you are responsible with your money and accounts. In turn, this can increase your credit score. Just make sure you repay what you charge to your credit card on time to avoid interest and keep your credit card history in good standing.

Cons

  • Temptation to spend. If you get a credit card to cover the cost of your bills, you could be tempted to use it for nonessential purchases as well. Sticking to a budget can help you avoid this trap.
  • Limitations. As mentioned, you can’t earn points on all bills. For example, if you find that you regularly use BPAY for your monthly bills, you may not earn points. Check the specific reward program terms and conditions for your card to find out what exclusions apply so that you can find a card that will earn points for your planned spending.

Compare credit cards that earn points

Rates last updated August 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Receive complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Collect 75 bonus Status Credits when you meet the spend requirements. Plus, enjoy two complimentary Qantas Club Lounge invitations each year.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Apply by 31 October 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and 2 American Express Airport Lounge entries each calendar year.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Receive a $129 Virgin Australia Gift Voucher each year, save with up to 44 interest-free days and complimentary international travel insurance.
Bank of Melbourne Amplify Platinum - Qantas Rewards
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Westpac Altitude Black
80,000 bonus points
1.25
3
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Receive airline lounge passes, complimentary overseas travel insurance and 24/7 access to the Westpac Concierge.
NAB Qantas Rewards Signature Card
75,000 bonus points
1
19.99% p.a.
$395 p.a.
Receive 75,000 bonus Qantas points when you spend $4,000 on everyday purchases within 60 days of account opening.
BankSA Amplify Signature - Amplify Qantas
0.75
0
19.49% p.a.
$279 p.a.
Enjoy two complimentary Qantas Club lounge visits each year, save with overseas travel insurance and become a Visa Luxury Hotel Collection member.
Bank of Melbourne Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance and purchase protection.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Save with no foreign transaction fees and a complimentary domestic flight with Virgin Australia when you meet the spend requirements each year.
American Express Velocity Escape Card
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
NAB Rewards Signature Card
75,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Take advantage of complimentary travel and purchase insurances, a 24/7 concierge service and up to 44 interest free days.
St.George Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Receive a $129 Virgin Australia gift voucher when you meet the spend requirements plus 2 Virgin Australia domestic lounge passes per year.
NAB Velocity Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.

Compare up to 4 providers

 

Rates last updated August 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Take advantage of a high Qantas Points earn rate and 2 American Express Airport Lounge entries each calendar year.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Collect 75 bonus Status Credits when you apply by 30 September 2017 and meet the spend requirements. Plus, enjoy two complimentary Qantas Club
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Receive complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.
Bank of Melbourne Amplify Platinum - Qantas Rewards
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Westpac Altitude Black - Altitude Qantas
80,000 bonus points
0.625
1.5
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn up to 1.50 Qantas Points per $1, receive two Qantas Club Lounge invitations per year and save with complimentary overseas travel insurance.
NAB Qantas Rewards Signature Card
75,000 bonus points
1
19.99% p.a.
$395 p.a.
Earn Qantas Points and take advantage of complimentary travel insurance and a 24/7 concierge service.
BankSA Amplify Signature - Amplify Qantas
0.75
0
19.49% p.a.
$279 p.a.
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
David Jones American Express - Qantas Frequent Flyer
30,000 bonus points
0
0.75
20.74% p.a.
$99 p.a.
Fly faster with up to 2.25 Qantas Points per $1 spent and access a range of exclusive, complimentary instore benefits at David Jones.
St.George Amplify Platinum - Amplify Qantas
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Signature - Amplify Qantas
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Collect Qantas Points as you spend and receive two complimentary Qantas Club Lounge invitations and complimentary overseas travel insurance.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Take advantage of a competitive Qantas Points earn rate and two American Express Airport Lounge entries each calendar year.
Westpac Altitude Platinum Card - Altitude Qantas
60,000 bonus points
0.5
1
20.24% p.a.
$150 p.a.
Fly faster with up to 1 Qantas Point per $1 spent and receive 24/7 personal concierge services.
NAB Qantas Rewards Premium Card
50,000 bonus points
0.5
1
19.99% p.a.
$250 p.a.
A dual Amex and Visa card that comes with a 24/7 personal concierge and complimentary travel insurance.
ANZ Frequent Flyer
25,000 bonus points
0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.

Compare up to 4 providers

 

Rates last updated August 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Apply by 31 October 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
NAB Velocity Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0 p.a. on purchases for 12 months, complimentary travel insurance and a $129 Virgin Australia gift voucher each year.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive complimentary travel insurance and two complimentary Virgin Australia domestic airport lounge passes each year.
American Express Velocity Platinum Card
50,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Save on travel costs with a $129 Virgin Australia gift voucher each year and complimentary travel insurance.
NAB Velocity Rewards Premium Card
0.5
1
19.99% p.a.
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
American Express Velocity Business Card
1
$249 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
American Express Velocity Escape Card
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.

Compare up to 4 providers

 

Rates last updated August 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Take advantage of a double points earn rate offer for the first six months. Plus, seven complimentary insurances.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Transfer existing debt at 0% p.a. for 22 months with a one-time 2% BT fee, plus, receive a complimentary insurance package.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Apply by 31 October 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Offers unlimited access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge service.
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Receive a complimentary Qantas domestic return economy flight and 2 American Express Airport Lounge entries each calendar year.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent.
ANZ Rewards Platinum
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
This card comes with complimentary insurance including travel and medical insurance, purchase security insurance and extended warranties.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
Bank of Melbourne Amplify Platinum - Qantas Rewards
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Take advantage of a 24/7 concierge service and complimentary travel, purchase protection and extended warranty insurance.
NAB Rewards Signature Card
75,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Offers an introductory rate on balance transfers of 0% p.a. for 6 months with no BT fee. Plus, double points for the first 6 months.
St.George Amplify Platinum - Amplify Qantas
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Earn uncapped Qantas points on your eligible spending and receive complimentary travel and purchase protection insurance.
St.George Amplify Signature - Amplify Qantas
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Amplify Qantas members receive two complimentary Qantas Club Lounge invitations per year, plus bonus points on travel spending.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
NAB Qantas Rewards Signature Card
75,000 bonus points
1
19.99% p.a.
$395 p.a.
Receive complimentary insurance, a 24/7 concierge service and a promotional balance transfer offer of 0% p.a. for 6 months.
St.George Amplify Signature
60,000 bonus points
1.5
19.49% p.a.
$279 p.a.
Designed for travellers, this card offers a personalised call centre service, bonus points on travel spending, targeted luxury travel offers and more.
American Express Velocity Platinum Card
50,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 80,000 bonus Velocity Points. Plus, complimentary travel insurance.
St.George Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Bank of Melbourne Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance and purchase protection.
NAB Velocity Rewards Premium Card
0.5
1
19.99% p.a.
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
Citi Qantas Signature Credit Card
50,000 bonus points
0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get a 2 airport lounge visits per year.
American Express Platinum Business Card
120,000 bonus points
0
1
$1,500 p.a.
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
BankSA Amplify Signature
1.5
0
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent, receive complimentary travel insurance and access to the Visa Luxury Hotel Collection.
American Express Gold Business Card
10,000 bonus points
0
1
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
American Express Business Explorer® Credit Card
100,000 bonus points
2
16.99% p.a.
$395 p.a.
Earn 100,000 bonus points when you meet the requirement and 2 Membership Rewards points per $1 spent.
American Express Platinum Card
100,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
NAB Qantas Rewards Premium Card
50,000 bonus points
0.5
1
19.99% p.a.
$250 p.a.
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
NAB Velocity Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Qantas Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB flybuys Rewards Card
1
19.99% p.a.
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
Citi Signature Credit Card
75,000 bonus points
1
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 1 Point per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
Citi Prestige Card
70,000 bonus points
3
20.99% p.a.
$700 p.a.
Earn from 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
David Jones American Express
40,000 bonus points
1
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
Woolworths Everyday Platinum Credit Card
1
0
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
David Jones American Express Platinum Card - Qantas Frequent Flyer
37,500 bonus points
0
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

Compare up to 4 providers

 

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.

Pictures: Shutterstock

Shirley Liu

Shirley is finder.com.au's publisher for banking and investments. She has completed a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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20 Responses

  1. Default Gravatar
    SaileshJuly 2, 2016

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

    • Staff
      AnndyJuly 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

  2. 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?

    • Staff
      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

  3. 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?

    • Staff
      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

  4. 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?

    • Staff
      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

  5. 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?

    • Staff
      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

    • Staff
      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

    • Staff
      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

  6. 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?

    • Staff
      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

  7. Default Gravatar
    RICHARDFebruary 17, 2015

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

    • Staff
      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

  8. Default Gravatar
    AkFebruary 15, 2015

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

    • Staff
      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

  9. 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

    • Staff
      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

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