How to pay rent with a credit card in Australia

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 have credit cards as a payment method, but there are a few platforms that give you this option.

When can I use a credit card to pay rent?

A few third-party companies 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 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.

How much does it cost?

There is a fee of 0.95% for 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).

DEFT

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.

How 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.

iPayRent

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.

How 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

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.

How 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

These fees could be different depending on your real estate agent and card, so check before you make a payment.

Sniip

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.

How 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 payment fees and credit card interest charges are 2 key factors to look at before you decide to pay rent with a credit card. Here's a look at both of them.

1. Rental service payment fees

Based on the payment fees listed here, it would cost you between 1.2% and 3.773% for each rental payment made with an Australian credit card. And up to 4.8% if you pay with a credit card issued overseas.

To put that in perspective, if you paid $2,000 per month on rent, the card fee would cost you between $24 and $96. For weekly payments of $500, you’d be looking at around $6 to $24 in fees. So, even with the lowest fee, the cost would add around $288 to your rental payments each year based on this example.

2. Interest charges

The average standard credit card interest rate in Australia is 19.94%. If you paid $2,000 in rent on a card with this interest rate and made monthly repayments of $50, it would take over 5 years to pay off and cost over $1,300 in interest charges.

This is based on calculations using Finder's credit card repayment calculator. You could use it to check specific details for your own credit card. But the bottom line is that if credit card interest is charged, it can add a big cost to your rental payments.

Other 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.

Example: Rewards vs. platform 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 for points?

The value of being able to pay rent with a credit card depends on your goals and circumstances. While it could be a way to earn more points through your credit card, the fees charged by these platforms can add hundreds of dollars to your yearly costs. And interest charges could add even more.

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.

Rewards credit cards comparison

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Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Coles No Annual Fee Mastercard Flybuys	Bonus points 20,000	Points per $ spent 0.5	Purchase rate p.a. 0% for 6 months, then 19.99%	Annual fee $0	Go to siteMore Info Compare	Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 19.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Bonus points 60,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Go to siteMore Info Compare	Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 100,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to siteMore Info Compare	ABN holders w/ $75k revenue. Earn 100,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
American Express Velocity Platinum Card Velocity Frequent Flyer	Bonus points 60,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $375	Go to siteMore Info Compare	Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
Kogan Money Card – Exclusive Offer ExclusiveKogan Rewards Program	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 20.99%	Annual fee $0	Go to siteMore Info Compare	Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee. Ends 30 November 2023.
American Express Platinum Business Card Membership Rewards Ascent Premium	Bonus points 200,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,750	Go to siteMore Info Compare	ABN holders w/ $75,000 revenue. Get 200,000 bonus Membership Rewards points when you spend $8,000 in the first 3 months.
St.George Vertigo Card - Cashback Offer	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 13.99%	Annual fee $55	Go to siteMore Info Compare	Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
American Express Platinum Card Membership Rewards Ascent Premium	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Go to siteMore Info Compare	Earn 150,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
American Express Business Explorer Credit Card Membership Rewards Gateway	Bonus points 75,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $149	Go to siteMore Info Compare	ABN holders w/ $75,000 revenue. Get 75,000 bonus points when you spend $3,000 in the first 3 months.
St.George Amplify Signature Amplify Rewards	Bonus points 150,000	Points per $ spent 1.5	Purchase rate p.a. 19.49%	Annual fee $199 first year ($295 after)	Go to siteMore Info Compare	150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
Westpac Altitude Black Westpac Altitude Rewards	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 19.99%	Annual fee $150 first year ($295 after)	Go to siteMore Info Compare	Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
Westpac Low Rate Card - Cashback Offer	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 13.74%	Annual fee $59	Go to siteMore Info Compare	A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Qantas American Express Premium Card Qantas Frequent Flyer	Bonus points 30,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $249	Go to siteMore Info Compare	Get 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
American Express Platinum Edge Credit Card Membership Rewards	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $0 first year ($195 after)	Go to siteMore Info Compare	Save with a $0 annual fee in the first year. Plus, $200 travel credit every year.

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