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How to pay rent with a credit card in Australia

You should be able to choose how you pay rent – so here’s what you need to know about paying with a credit card.

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Most real estate agents and landlords in Australia give you a few ways to pay rent, with some of the most common including electronic fund transfers (EFT) from your bank account, direct debits, BPAY or even cash.

It's less common to see credit cards listed as a payment method, but there are a few platforms that give you this option. Sometimes, you can even earn points for paying rent with a credit card.

When can I use a credit card to pay rent?

There are a few third-party companies that allow you to pay rent with your credit card. Some services have partnerships with real estate agencies, individual agents or landlords, while others are independent payment platforms (similar to PayPal).

Usually, you’ll pay a surcharge or fee for each card transaction. There may also be other costs, so it's worth checking the details before you pay rent through one of these platforms.

Citi PayAll

Citi logo

Citi PayAll gives you a way to pay your rent and other bills with a Citi credit card. It also earns points, with Citi Rewards credit cards earning 1 point per $1 spent uncapped and Citi Qantas Rewards and Emirates Skywards cards earning 0.5 points per $1.

To set up Citi PayAll for your rent, you'll need your rental agent or landlord's BSB and Australian bank account number. Then, go to the Citi mobile app, click on "Payments & Transfers", then "Citi PayAll" and follow the prompts. You can also choose between making a one-off payment or setting up a recurring payment.

dollar coinHow much does it cost?

There is a 0% fee for Citi PayAll payments set up between 1 April 2021 and 31 October 2022. Outside of this promotion, there is a fee of 2% of each Citi PayAll transaction you make.

Note that Citi PayAll payments will be charged interest at the purchase rate when applicable (for example, if you're not eligible for interest-free days).


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Powered by Macquarie Bank, DEFT lets you make one-off payments by credit card online or over the phone. If you sign up for an account, you'll get access to other payment options including bank transfers and recurring payments.

To use this service, your landlord or agent has to be registered as a DEFT biller and give you the 20-digit DEFT reference number. Once you have that, you can pay online through the DEFT website.

dollar coinHow much does it cost?

DEFT transaction fees vary based on factors such as the card or payment method used and the biller’s preferences. The maximum costs for credit card payments are as follows:

  • American Express: 1.5%
  • Diners Club: 3.773%
  • Mastercard credit card: 1.2%
  • Mastercard international credit or debit card: 4.80%
  • Visa credit card: 1.5%
  • Visa international credit or debit card: 4%

The exact amount for your DEFT transaction will be shown before you confirm a payment, so it's worth checking before you go ahead.

Keep in mind that the fee is typically lower for bank payments or debit card payments, which are a maximum of 0.4% of the total transaction when you use an Australian Mastercard or Visa debit card.

Also note that the biller can choose what types of cards (and other payment options) are available, so you may not always be able to pay with your chosen credit card.


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This free mobile app offers a direct debit service that can be split between people, which could be handy if you're sharing rent with other people. You can use it to pay other bills that have a direct debit option as well.

Once you have downloaded the app and registered, you can set up direct debit payments for yourself and invite other people to link with the account (for share houses). easyshare then takes the funds from your chosen account and pays your rent for you.

dollar coinHow much does it cost?

If you're paying by card, there is a service fee that's calculated as a percentage of the payment:

  • Bank transfers and Visa/Mastercard transactions: 1.5%
  • American Express: 2.5%

For credit card or debit card payments, there is also a one-off charge of $0.01 to verify the card. Other potential costs include a $35 chargeback fee if you request a chargeback and a $15 account reactivation fee if easyshare deactivates your account for any reason.


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This is an online platform that partners with real estate agents and property managers. If your agent is set up with iPayRent, you'll need to create an account. You can then choose how you want to pay rent, including with a credit card.

dollar coinHow much does it cost?

The fees can vary depending on the real estate agent and payment method. But to give you an idea, we found credit card fees ranging from 1.32% to 2.2% when we looked at the payment forms available online through different real estate agencies.

Rental Rewards

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Rental Rewards is an online payment platform that lets you earn points by paying your rent with a credit card. It has direct partnerships with real estate agents and brands including real estate agents that work for well-known brands such as Barry Plant, Century 21, First National Real Estate and RE/MAX.

It also gives you a way to pay any real estate agent in Australia, with the option of one-off or recurring payments when you register online.

dollar coinHow much does it cost?

Rental Rewards has different fees depending on how your account is set up, the type of payment and card you use. It can also vary depending on the agent.

While the Rental Rewards website doesn't publicly list card payment fees, a Rental Rewards rent payment form showed the following possible costs:

  • Set-up fee: $1.51
  • Mastercard or Visa fee: 1.45% of transaction value
  • American Express or Diners Club fee: 2.65% of transaction value

As these fees could be different depending on your real estate agent and card, it's worth checking before you make a payment.


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RentPay is a payment provider that partners directly with real estate agents and allows you to set up direct debit payments through your credit card or bank account. You can also make one-off payments through the RentPay website or by calling the company’s secure payment phone line on 1300 668 668.

dollar coinHow much does it cost?

RentPay charges a fee of 1.25% for Mastercard and Visa transactions. There is also a $2 monthly membership fee.

Other fees may also apply in certain circumstances, such as for a dishonoured payment. So make sure you check the terms and conditions as well as the pricing schedule before you register. You could also ask your real estate agent or call RentPay on 1300 797 933 for more information.


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If you can pay rent by BPAY, this app gives you a way to make payments from your credit card. If it's a rewards card, you'll also earn points per $1 spent at the same rate as other purchases.

To use Sniip, you just need to get the app and scan the BPAY details from your bill (or enter them manually), then choose how you want to pay.

dollar coinHow much does it cost?

There is a 1.5% fee for paying with an American Express, Mastercard or Visa credit card.

How much will paying rent with a credit card cost in the long run?

The cost of paying your rent with a credit card varies a lot depending on the payment service and the type of card you use. But based on the payment fees listed here, it would cost you between 1.2% and 3.773% for each rental payment made with your credit card.

To put that in perspective, if you paid $2,000 per month on rent, the card fee would cost you between $24 and $75.46. For weekly payments of $500, you’d be looking at around $6 to $18.87 in fees. So, even with the lowest fee, the cost would add around $288 to your rental payments each year based on this example.

dollar coinOther potential costs

As well as card payment fees, some platforms have membership fees, direct debit fees, dishonour fees and other fees that could add to your costs. And if you don't get interest-free days on your credit card, you'll also be charged interest on your rental payment.

Remember: There are other ways to pay rent

Even if your rental agent, property manager or landlord uses a third-party payment service, they should give you more than one way to pay. For example, renters in NSW and Victoria must have at least one fee-free way to pay rent. You can check with the tenants agency in your state or territory to find out your rights or how to make a complaint if you don't think you're being treated fairly.

Example: Rewards vs. fees for paying rent with a credit card

If you want to pay your rent with a credit card to earn reward or frequent flyer points, the value will depend on the type of card and how many points per $1 spent it offers. For example, say you have a Visa frequent flyer credit card that offers 1 Qantas Point per $1 spent and you want to use it to pay weekly rent of $500 through easyshare.

In this scenario, you’d earn 500 points and pay a 1.5% card fee of $7.50 per week. Over a year, this would add up to 26,000 Qantas Points and $390 in fees. As the value of your points depends on how you use them, here are some examples of what you could get with 26,000 points:

  • A return economy flight from Sydney to Hamilton Island: 24,000 Qantas Points
  • A one-way business class flight from Brisbane to Sydney: 18,400 Qantas Points
  • A $100 Woolworths WISH gift card: 20,750 Qantas Points

In this case, you’re likely to get more than $390 worth of value from either of the flight options. But if you redeemed the points for a gift card, you’d basically be paying $290 per year for the convenience of using your card once the value of your reward is subtracted from the cost of the fees.

How to use your Qantas Frequent Flyer Points

Is paying rent with a credit card worth it?

The value of being able to pay rent with a credit card ultimately depends on your goals and circumstances. While it could be a convenient way to earn more points through your credit card, you could end up paying hundreds of extra dollars in fees each year.

So before you sign up for any of these rental payment services, check the costs involved, work out how many points you could earn and then decide if paying rent with your credit card is worth it for you.

Want to earn points for your everyday spending? Compare rewards credit cards that offer points per $1 and introductory bonus point offers. Want to know what your rights are as a renter? Find out what your landlord can and can't do.

Rewards credit cards comparison

1 - 15 of 39
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate p.a. Annual fee
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Velocity Frequent Flyer
$64 for the first year ($129 thereafter)
Get up to 100,000 bonus Velocity Points on eligible spending. Plus, a reduced first-year annual fee and a yearly $129 Virgin Australia Gift Voucher. Ends on June 30.
Citi Premier Qantas Card
Qantas Frequent Flyer
0% for 6 months, reverts to 21.49%
$175 for the first year ($350 thereafter)
Get 80,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a 0% purchase rate offer. Plus, a first-year annual fee discount.
Citi Rewards Card - Velocity Points Offer
Velocity / Citi
$0 for the first year ($149 thereafter)
Earn 60,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, $0 first-year annual fee.
Qantas Premier Platinum
Qantas Frequent Flyer
$225 for the first year ($299 thereafter)
Earn 80,000 bonus Qantas Points when you spend $3,000 in the first 3 months and save with a reduced first-year annual fee.
St.George Amplify Platinum
Amplify Rewards
$29 for the first year ($99 thereafter)
Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a first-year annual fee discount and Kayo cashback offer.
Westpac Altitude Platinum Card
Westpac Altitude Rewards
$49 for the first year ($150 thereafter)
Get 110,000 bonus Altitude Points (worth $350 cashback) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee discount.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Earn 100,000 bonus Qantas Points when you spend $3,000 within 3 months. Plus, a yearly $450 Travel Credit.
American Express Qantas Business Rewards Card
Qantas Business Rewards
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, a $450 Qantas Flight Voucher.
American Express Business Explorer Credit Card
Membership Rewards Gateway
3.99% for 6 months, reverts to 19.99%
$0 for the first year ($149 thereafter)
ABN holders w/ $75,000 revenue. Get 100,000 bonus points when you spend $3,000 in the first 3 months. Plus, $0 first-year annual fee.
American Express Platinum Card
Membership Rewards Ascent Premium
Up to 200,000 bonus points (150k when you spend $5,000 in the first 3 months and 50k in year 2). Plus, a $450 Travel Credit each year.
Citi Premier Card - Cashback Offer
Citi Rewards Program
$150 for the first year ($300 thereafter)
Receive $600 cashback when you spend $2,000 through Apple Pay or Samsung Pay in the first 90 days. Plus, save with a $150 first-year annual fee discount.
Qantas American Express Discovery Card
Qantas Frequent Flyer
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
ANZ Rewards Black Credit Card
ANZ Rewards Program
$0 for the first year ($375 thereafter)
Now eligible for Cashrewards Max. Enjoy 80,000 bonus Reward Points (worth $350 in eGift cards) when you spend $2,000 in the first 3 months. Plus, $0 first-year annual fee.
Westpac Low Rate Card - Cashback Offer
A no-frills card offering up to $400 cashback: $100 each month you make at least $1,000 of eligible purchases for the first 4 months.
ANZ Rewards Platinum
ANZ Rewards Program
$0 for the first year ($95 thereafter)
Now offering Cashrewards Max. Get 50,000 bonus Reward Points (worth $220 in eGift cards) when you spend $1,500 on eligible purchases in the first 3 months. Plus, $0 first-year annual fee.

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2 Responses

  1. Default Gravatar
    PennyAugust 4, 2018

    Can easyshare be used to pay the ATO by credit card and earn FF points with that card?
    I’m not sure if the way it works is that the credit card payment is *to* easyshare and then they pay the ATO (or deposit into the landlord’s account) using the payment instructions provided?


    • Avatarfinder Customer Care
      JeniAugust 12, 2018Staff

      Hi Penny,

      Thank you for getting in touch with Finder.

      Currently, Easyshare cannot be used to pay the ATO. According to ATO, The quickest and easiest way to pay is with BPAY or a credit/debit card.

      Most 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. Please go through our list of frequent flyer credit cards and ways to earn points on eligible transactions.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


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