Credit cards that earn points for ATO payments | Finder

Credit cards that earn points for ATO payments

Find out how you can earn reward or frequent flyer points when you pay your tax bill with a credit card.

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If you want to make a payment to the Australian Taxation Office (ATO) using a credit card, you have the option of paying online or over the phone with an American Express, Mastercard or Visa credit card. A small number of credit cards even earn points for spending with the ATO or other government bodies, usually at a reduced rate when compared to the points you earn for everyday purchases.

Before pulling out a credit card to pay your taxes, use this guide to check whether or not you can earn rewards or frequent flyer points in the process. You can also compare cards that offer points for ATO payments and learn more about the fees and restrictions so that you can decide whether using a credit card is worth it.

NAB Credit Card Offer

NAB Qantas Business Signature Card

Earn 100,000 bonus
Qantas Points

Eligibility criteria, terms and conditions, fees and charges apply

NAB Credit Card Offer

Collect 100,000 bonus Qantas Points with a NAB Qantas Business Signature Card and manage your business expenditure under a single account.

  • 100,000 bonus Qantas Points when you spend $4,000 within the first 60 days
  • Annual fee of $295 per card
  • 18.5% p.a. purchase interest rate with up to 44 days interest-free
  • Must have a registered ABN/ACN and must be registered for GST with a turnover of at least $75,000 per year
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How can I tell if my credit card earns points for tax payments?

There are two main ways you can check whether or not your card offers points for payments to the ATO:

  • Check the reward program terms and conditions. Look at the credit card’s earn rate details or go to the reward program terms and conditions for a list of transactions that are not eligible to earn points. If “government charges” or “ATO payments” are on the list, then you won’t earn points for your tax payment.
  • Contact your credit card company. Call, email, use an online chat service or leave a message on social media asking the credit card company whether or not your card earns points for ATO payments. If you decide to use social media, make sure you don’t share any personal details and only mention the name of the card (rather than your account information).

Which credit cards offer points for payments to the ATO?

To help you weigh up your options, this table shows credit cards that will earn you points when you make a payment to the ATO – including the amount of rewards you’ll get for every dollar you spend.

Credit CardPoints per $1 for government chargesOther notes
American Express cards:
1 point per $1 spentThe American Express Platinum, Essential and Explorer cards all list an earn rate for payments to government bodies, including the ATO.

The American Express Platinum Edge does not specifically list payments to government bodies as eligible or ineligible for earning points.

0.5 points per $1 spentThese American Express cards all list an earn rate for payments to government bodies, including the ATO.
American Express David Jones credit cards:1 point per $1 spentThe American Express David Jones credit cards don’t specifically list payments to government bodies as eligible or ineligible for earning points.
American Express business cards:
1 point per $1 spentThese American Express cards all specifically list an earn rate for payments to government bodies, including the ATO.
0.5 points per $1 spentThese American Express cards all specifically list an earn rate for payments to government bodies, including the ATO.
ANZ0.5 ANZ Reward Points for every $1 spent on taxation paymentsThese ANZ cards specifically list this earn rate for “taxation payments”.
Bank of Melbourne 0.5 Amplify points per $1 OR 0.25 Qantas points*

*Requires opt-in to the Qantas program

These earn rates are specifically listed for government payments, which includes those made to the ATO.
BankSA0.5 Amplify points per $1 OR 0.25 Qantas points*

*Requires opt-in to the Qantas program

These earn rates are specifically listed for government payments, which includes those made to the ATO.
Commonwealth Bank1 point per $1 spent
The CommBank Awards program terms and conditions state that payments to the ATO won’t earn points unless they are made with a Business Awards or Business Platinum Awards card.
NAB
  • Rewards Business Signature: 1.25 points per $1
  • Qantas Business Signature: 1 point per $1.50
These earn rates are specifically listed for payments made to the Australian Taxation Office.
St.George0.5 Amplify points per $1 OR 0.25 Qantas points*

*Requires opt-in to the Qantas Frequent Flyer Program

These earn rates are specifically listed for government payments, which includes those made to the ATO.

Compare credit cards that earn points for ATO payments

Data updated regularly
Name Product Purchase rate Annual fee Minimum income
Qantas American Express Premium Card
20.74% p.a.
$249
$40,000
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
NAB Qantas Business Signature Card
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.
American Express Qantas Business Rewards Card
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus Qantas Points, 2 yearly Qantas Club lounge passes and 3x points on eligible Qantas flights.
NAB Rewards Business Signature Card
18.5% p.a.
$175
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
American Express Gold Business Card
N/A
$169
ABN holders w/ $75,000 revenue. Get 80,000 bonus Membership Rewards Points and up to 51 days to pay for purchases.
American Express Business Card
N/A
$109
ABN holders w/ $75,000 revenue. Up to 1.5 points/ $1 spent and extended cashflow with up to 51 days interest-free on business purchases.
American Express Velocity Business Card
N/A
$249
ABN holders w/ $75,000 revenue. Receive 75,000 bonus Velocity Points when you spend $3,000 within the first 2 months from card approval.
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Compare up to 4 providers

Other important details about earning points for tax payments

If you’re planning to use a credit card for your ATO payment, make sure you also keep the following in mind:

Credit card reward point exceptions

There is plenty of anecdotal evidence online that suggests some people have earned rewards for ATO payments on other credit cards – including some that state government payments are not eligible for rewards. However, reward program terms and conditions usually note that there could be variations. They also typically reserve the right to make changes or exclude transactions from earning rewards. So, while there may be times when you do earn points on ATO payments with a card that does not define them as "eligible transactions", it could be risky.

Business payments on personal credit cards

If you're planning to use a credit card to pay your ATO debt for a business, keep in mind that most personal credit cards have restrictions around business spending (including personal business spending). So, for example, if you run a small business and pay with your personal credit card, the transaction may not be eligible to earn any points.

Surcharges

When you use your credit card to make a transaction with the ATO, you'll be charged a card payment fee. The cost is calculated as a percentage of your payment, with the following rates for different card types:

  • American Express: 1.45%
  • Australian Visa credit: 0.78%
  • Australian Mastercard credit: 0.7%
  • Australian Mastercard debit card: 0.15%
  • Australian Visa debit card: 0.36%
  • International Visa or Mastercard: 2.7%

You can avoid these card payment fees by paying the ATO through bank transfers or BPAY payments. However, BPAY payments made from a credit card usually aren’t eligible for points.

Credit card surcharge tax deductions

The ATO card payment fee may be tax deductible under some circumstances. For example, if you're paying a tax bill for your business. Claiming the fee as a tax deduction could also help make earning points worth it. You can check with your accountant to find out if you’re eligible to claim this cost.

Is earning points on a tax payment worth it?

The cost of the ATO card payment fee means that the value you get from any points is likely to be worth less than what you spend to earn them. However, if you really want to earn points for your tax payment, you can work out the exact value by considering the following details:

  • The surcharge you’ll pay based on the card you use
  • The amount of points you’ll earn based on your tax payment
  • Your reward balance and/or any rewards you’re saving up to redeem

Example: Working out if paying your tax bill with a credit card is worth it

Say you had a tax bill of $10,000 and wanted to pay with a credit card that offers 0.5 Qantas Points per $1 spent with the ATO. Here’s how the costs and points would break down:

  • ATO card payment fee: $145 (based on the 1.45% charge for Amex transactions)
  • Points earned: 5,000 Qantas Points

In terms of rewards, these points could get you a $25 Myer digital gift card (from 4,510 points), or be saved up for flights or other high-value frequent flyer rewards.

If you really needed an extra 5,000 Qantas Points, earning them in this way would be cheaper than buying them, with the Qantas Frequent Flyer program offering 5,000 points for $208. So in this case, the value of the points really depends on how much you want them.

It’s also worth noting that you’ll typically get more value per point if you use an Australian Mastercard or Visa that offers points for ATO payments. This is because the ATO payment fee is much lower for these types of credit cards compared to American Express cards.

Either way, looking at the total cost of the payment fee and the amount of points you’ll earn based on your tax debt and credit card will help you decide if it’s worth it.

Credit card companies often update the conditions around earning points for ATO payments, making it hard to assume any particular card will earn points. So before you pay your tax bill, double-check you’ll earn points and make sure you consider the card payment fee so that you can decide if it’s worth it for you.

FAQs about earning points for credit card payments to the ATO

If you want to know more about credit cards that earn points for ATO payments and other government charges, you’ll find answers here to some of the most common questions. Or, if you have another question, get in touch with us by filling out the comment box below.

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66 Responses

    Default Gravatar
    ChristinaAugust 4, 2018

    Hi there,
    I am looking for an Australian Business Credit Card that ATO credit card surcharge deductible. For example, if I’m paying my business tax bill and claiming the fee as a tax deduction could also help making earning points.

      Avatarfinder Customer Care
      JeniAugust 12, 2018Staff

      Hi Christina,

      Thank you for getting in touch with Finder.

      There are business credit cards earning points for ATO payments from our comparison table above. You can use the table to help you find the card that suits you. You can press the “Go to site” button of your preferred card if you are ready to apply. Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      With most credit card payments to the ATO attracting a surcharge make sure you do your sums before deciding how to pay. It’s also worth considering fee-free options – such as BPAY or a direct transfer from your everyday bank account – so that you can find the most convenient and affordable way to pay your tax bill.

      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!

      Cheers,
      Jeni

    Default Gravatar
    JudyAugust 24, 2017

    Can I use my ANZ visa card or Westpac Amex card to pay BAS?
    Thanks

      Avatarfinder Customer Care
      HaroldAugust 25, 2017Staff

      Hi Judy,

      Thank you for your inquiry.

      You can make a payment by credit card or BPAY. To find out more, please see this page.

      I hope this information has helped.

      Cheers,
      Harold

    Default Gravatar
    BethAugust 9, 2017

    I am looking for a visa or mastercard to use to make payments with the ATO to earn qantas frequent flyer points. I understand not all cards do this and are being limited. What cards do you know of that are on offer for this service ?
    Thank you

      Avatarfinder Customer Care
      RenchAugust 9, 2017Staff

      Hi Beth,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      The range of CommBank Business Awards credit cards is currently the only option that states ATO payments made with the Mastercard will earn points. Unfortunately, most other banks no longer allow cardholders to earn rewards points on ATO payments. The providers listed on this page are currently the only ones in Australia that allow cardholders to earn points on tax payments.

      If you wish to explore other options, please check our list of frequent flyer credit cards. (Please note that these cards do not earn points for ATO payments).

      Cheers,
      Rench

    Default Gravatar
    BrettMay 19, 2017

    Hi
    Im with nab at the moment and i convert all my points to qantas ff, can you advise the best card for making large payment to the ato for maximum qantas ff points?
    thanks

      Avatarfinder Customer Care
      DeeMay 22, 2017Staff

      Hi Brett,

      Thanks for your question.

      Currently, Westpac’s Altitude Black (AMEX) lets you earn 1.5 points per $1 paid to the ATO. Unfortunately, starting 1 July 2017, this card will no longer earn points for ATO payments.

      After the changes in the coming months, most credit cards that earn rewards points to the ATO will generally earn just .5 points per $1. You can refer to the list above.

      Cheers,
      Anndy

    Default Gravatar
    DeanMay 11, 2017

    My bill is greater than my card limit. If I transfer funds to my credit card so I have a credit balance. Can I use those funds to pay the ATO and earn the extra reward points.

      Default Gravatar
      LiezlMay 11, 2017

      Hi Dean,

      Thank you for your question.

      Generally, transferring funds to your credit card will not increase your credit limit, it will be treated as an overpayment. If banks accept payment from you in excess of your outstanding balance, your available credit limit will not be increased by the amount of the overpayment and it does not necessarily mean that bank will authorize transactions for an amount in excess of your credit limit.

      It would be best to check with your bank before making an overpayment.

      I hope this has helped.

      Cheers,
      Liezl

    Default Gravatar
    MichaelMay 4, 2017

    Can I earn points when I pay ATO bills with my Commonwealth Diamond AMEX/MasterCard credit card?

    Default Gravatar
    IanFebruary 22, 2017

    Am I correct to assume that, from reading above, I will earn 3 points per dollar spent in paying the ATO on the CBA Business Awards Platinum card?
    Thanks

      Avatarfinder Customer Care
      JasonFebruary 23, 2017Staff

      Hi Ian,

      Thank you for your enquiry.

      Yes, you can earn Commonwealth Bank Awards points for ATO payments with CommBank Business Awards Platinum credit card. You will get 1 reward point per dollar spent when you use your MasterCard and 3 points per dollar spent you use your AMEX card. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers) and are subject to points capping.

      Kind regards,
      Jason

    Default Gravatar
    BobbySeptember 26, 2016

    Hi,
    If I have a credit limit of let say $20,000 on my westpac altitude black and have a tax bill of let’s say $100,000 can I put extra $80k from my other account into the credit card account and pay the $100k ato bill with the westpac altitude black Amex to earn the reward points for the full $100k? If yes how many points am I going to earn in total and is the surcharge worth it?
    Thanks for your help.
    Regards,
    Bobby

      Avatarfinder Customer Care
      MaySeptember 26, 2016Staff

      Hi Bobby,

      Thanks for your inquiry.

      Your credit card limit is the amount that you are allowed to spend on your card. So if you want to pay your tax bill worth $100K in order to earn points but your credit card limit is only $20,000, I’m afraid that won’t be possible. I suggest that you contact Westpac directly to verify if you can opt out of being able to exceed your credit limit and still earn points on your ATO payments.

      Cheers,
      May

    Default Gravatar
    DavidAugust 16, 2016

    Hi everyone

    I have Westpac Singapore Airlines Kris Flyer Platinum AMEX and VISA cards. I know they are no longer available to new applicants. Do they still offer points for ATO payments and if so, how many points per dollar for AMEX and VISA.

    Regards,
    David

      Avatarfinder Customer Care
      MayAugust 16, 2016Staff

      Hi David,

      Thanks for your inquiry.

      Just to confirm, as stated in the T&Cs, a Westpac Platinum credit card that earns Altitude points will let you collect 1 Altitude Points per $1.00 paid to the ATO using your Altitude American Express. Whilst no Altitude points will be earned using Visa or MasterCard for ATO payments.

      For your reference, I have sent you an email that contains the link to the Westpac rewards T&Cs.

      Cheers,
      May

    Default Gravatar
    JasonMay 16, 2016

    Hi guys

    I was under the impression Westpac Altitude Black still pays out on ATO points? Any chance you can confirm this?

    Many thanks for your hard work!

      Avatarfinder Customer Care
      SharonMay 16, 2016Staff

      Hi Jason, thanks for your inquiry.

      Yes, that is correct. You will earn 1.5 Altitude Points for each $1.00 paid to the ATO using
      an Altitude Black American Express Card.

      Cheers,

      Sharon

      Default Gravatar
      AussieguyMay 16, 2016

      Is 1 Altitude Black American Express Card point worth 1 QF or VA point when transferred to their F/F programmes?

      Avatarfinder Customer Care
      MayMay 17, 2016Staff

      Hi Aussieguy, thanks for your inquiry!

      With Westpac Altitude Credit Card, the points you can transfer to Qantas or Velocity FF programs are the following:

      1. For $1 spent on AMEX = 1 Qantas point; for $1 spent on Visa = 0.5 Qantas point
      2. For 2 Altitude Points = 1 Velocity point

      Please feel free to check the links that I’ve sent to your email for further information about transferring of your Altitude points to Qantas and Velocity FF programs.

      I hope this is helpful.

      Cheers,
      May

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