Money Hack: How to earn reward points on your daily commute

Elizabeth Barry 11 April 2018 NEWS

sydney ferry

Tap on and off with your credit card on select NSW Transport services and get rewarded with points.

We've talked in the past about how NSW travellers can hack the system to earn reward points while they use public transport. But with a recent announcement from Transport NSW, this is about to become a whole lot easier.

The hack

American Express, Mastercard or Visa cardholders can now tap on and off with their card instead of their Opal card when travelling on select NSW Transport services. This means that if you use an eligible rewards credit card to tap on and off, you will be able to earn rewards points with each trip. You are also able to tap on and off with your smartphone or payments-enabled wearable device if you have added your eligible card to a payments wallet.

This means that for every dollar you spend on your commute, there and back, you could earn credit card rewards. Remember that if you plan on switching from your Opal card to your credit card to tap on and off every day, check how much you spend each month on your commute so you can start setting aside that money for your credit card bill.

Currently, the contactless payments trial is happening on all Sydney Ferries and L1 Dulwich Hill light rail services. Contactless payments are not available on any train or bus services or privately owned ferries, such as the MyFastFerry.

If you don't have a rewards credit card but are considering getting one, you can compare rewards credit cards here. Get in touch with your bank or card issuer if you are unsure about how many points you should expect to earn for each trip.


finder money hacks is a bi-weekly round-up of the latest tips and tricks to improve your finances. Check back every Wednesday and Saturday for new hacks

Picture: Shutterstock

Get more from Finder

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.
Ask a question
Go to site