How to Earn Points Paying ATO Tax & Bills in 2025

The “good old days” of easily earning points on your credit card by paying tax to the Australian Tax Office (ATO) are largely over. Most Australian banks no longer award points on personal credit cards for payments directly to government bodies.

You can still earn points for ATO tax payments on a small handful of Australian credit cards, including some American Express cards and some business credit cards offered by NAB and CommBank.

But even if your bank doesn’t technically award credit card points for tax or government payments, you can still earn points for paying tax in Australia. In fact, you can even earn points on your credit card when paying billers that don’t normally accept credit card payments at all.

The trick is to use a bill payment service such as pay.com.au, Sniip, Yak Pay or B2Bpay – and it can be quite lucrative!

These services allow you to pay almost any business, as well as the Australian Tax Office (ATO), using your credit card. If you have a points-earning credit card, you’ll then earn points on your card for the transaction at the full earning rate for everyday purchases. This works even if your card provider doesn’t normally award points (or gives them at a reduced rate) for government payments.

How much do these services cost?

These bill payment services are not free. A small payment surcharge applies when using these platforms. You can find the cost for each service in the table below.

If you’re earning points for the transaction, and would not have otherwise been able to do so (e.g. if paying the ATO on a card that doesn’t give any points for government transactions), paying this small fee could be worthwhile.

If you’re paying a business-related expense, you may even be able to claim the payment fee as a tax deduction (although you should seek independent advice on this).

There are a few other catches. For example, you generally need an ABN to use these services as they are designed to facilitate business-to-business payments. And in some cases, you’ll only be able to pay billers that accept BPAY payments. But if you’re a small business owner and paying tax or rates bills, for example, you’ll almost certainly be able to use these payment platforms if you want to.

Earning bonus points

Some bill payment services even give you bonus points, on top of any points earned through your credit card.

For example, you can earn an additional 1 Qantas point per $7 paid to the ATO through B2Bpay if you’re a Qantas Business Rewards member. This increases to 3 Qantas points per $1.50 with “bonus billers”, and you’ll earn 1 Qantas point per $10 with other billers.

With Yak Pay or Payment Logic, you can earn your choice of Qantas Business Rewards or Velocity points in addition to any points earned via your credit card. You’ll earn 1 point per $10 paid to the ATO or other billers. (Note that Yak Pay does not award bonus points for Visa card payments made using the cheaper “Custom pricing” rate of 1.1% + GST.)

Sniip offers 1 Velocity point per $10 paid on any bill to Virgin Australia Business Flyer members.

With RewardPay, you can earn 1 Qantas Point per $1 spent by paying an additional 1.8% + GST on top of any payment.

PayRewards Points

One of the most interesting ways to earn bonus points on ATO and bill payments is with Pay.com.au, because their PayRewards points can be transferred to a long list of different airline and hotel loyalty programs.

When making any credit card payment or bank transfer with pay.com.au, you can also choose to purchase a bundle that includes PayRewards Points. For example, you can earn 2 PayReward Points per $1 spent by purchasing a package that costs an extra 1.8% of the transaction value.

You can then transfer your PayRewards points to other loyalty programs including:

• Qantas Business Rewards
• Virgin Australia Business Flyer
• Singapore Airlines KrisFlyer
• Qatar Airways Privilege Club
• Air Canada Aeroplan
• Cathay
• Vietnam Airlines Lotusmiles
• Marriott Bonvoy
• Accor Live Limitless
• IHG One Rewards

How do the bill payment services compare?

There are quite a few business-to-business payment services in Australia. Below, we’ve compared the fees charged by the eight main Australian providers.

Note that with Yak Pay, “Crypto.com” Visa cards attract a lower fee of 1% + GST. Yak Pay payments made using “premium” Mastercards are charged at a higher rate of 1.25% + GST.

Here are the fees applicable to Visa, Mastercard and American Express payments with each service provider:

Service	Visa	Mastercard	Amex
pay.com.au	1.0-1.2% + GST	0.8-1.0% + GST	1.75-2.1% + GST
B2Bpay	1.2-1.55% (depending on card type) + GST	1.2-1.55% (depending on card type) + GST	2.25% + GST
RewardPay	N/A	N/A	1.65-2.15% + GST (depending on amount)
Payment Logic (Business)	N/A	N/A	1.69-2.15% + GST (depending on amount)
Payment Logic Personal	N/A	N/A	1.25% for Amex (ATO payments not permitted!)
Easy Bill Pay	1% + monthly fees	1% + monthly fees	1.7% + monthly fees
Yak Pay	1.25% + GST	0.85-1.25% + GST	1.69-2.15% + GST
ipaymy	1.2% + GST	1.2% + GST	N/A
Sniip	1.36% + GST	1.36% + GST	1.75-1.99% + GST (or 1.29% inc. GST for personal payments only)

As you can see, each of the services has a slightly different fee structure and most exclude GST (which adds 10% to the cost) from the quoted fee amount.

On the surface, it would appear that Easy Bill Pay has some of the lowest fees. But this doesn’t account for their $24.95 monthly account fee, or their 0.75% “High Value Processing Fee” surcharge on payments over $20,000 in a calendar month. This reduces the value proposition of Easy Bill Pay significantly.

With pay.com.au, the amount paid depends on your membership level. Free members pay 1% + GST for Mastercard payments, but this reduces to 0.90% + GST for “Regular” members and 0.80% + GST for “Premium” members. Regular and Premium membership of pay.com.au costs $85 or $165 per month, respectively, and also includes other benefits like points & reward flight advice.

Which platform offers the best value for Visa, Mastercard & Amex payments?

Depending on your membership tier, either Yak Pay or pay.com.au could offer the best value on Visa payments.

Yak Pay has the lowest standard Mastercard rate, although Pay.com.au’s Premium members can access a better rate.

Sniip used to be the best value option for American Express payments to the ATO, charging a 1.5% surcharge including GST. However, this surcharge increased in March 2023 to 1.99% + GST for payments under $100,000.

Most of the services offer tiered pricing for American Express payments, with better rates available on larger transaction amounts.

If you want to pay personal (i.e. non-business) bills to BPay billers other than the tax office, it’s hard to overlook Payment Logic Personal which charges 1.25% (including GST) or Sniip at 1.29% (including GST) for American Express payments! However, it is not possible to get these rates when paying the ATO.

Is it worth using a bill payment service?

If you’re paying a biller that doesn’t otherwise accept credit card payments, or your bank won’t award points for the transaction, this is a way to earn points for payments you have to make anyway. But you do have to pay a surcharge, so the points aren’t entirely free.

If you’re earning a high rate of uncapped points from your credit card, it could be worth paying your bills this way. For example, if you have a Qantas Premier Titanium Mastercard, you could earn 1.25 Qantas points per $1 paid to the ATO by using a service like pay.com.au. You would pay a 0.88% surcharge with a Premium plan (including GST) for the payment, but the benefit of the points earned could well outweigh the cost if you’re redeeming your Qantas points for valuable reward flights or upgrades.

If you’re able to claim a tax deduction on the payment fee, the value proposition is even better.

When running a business, these services can also help you to manage your cash flow and some provide itemised invoices and payment summaries. So apart from the ability to earn points, they do offer some additional value as well.

But if you’re paying a supplier that doesn’t charge a credit card surcharge, and you could earn points for that transaction without using a service like this, it clearly makes little sense. The main benefit is the possibility to earn points at the full rate for tax payments, which would otherwise no longer be possible with most Australian credit cards.

The ATO no longer charges a fee for debit card payments

Since 2025, the ATO has stopped charging payment surcharges for debit card payments.

To earn bonus points on your ATO card payments, you could pay using prepaid Visa or Mastercard gift cards, which you can earn points when buying at Woolworths or Coles. Sometimes, the major supermarkets even run special promotions waiving the fees on those prepaid debit cards or offering bonus points on the purchase.

Join the discussion on the Australian Frequent Flyer forum

You can find some helpful discussion threads on the Australian Frequent Flyer forum on the following topics:

• ATO (tax office) payments by credit card
• RewardPay & other bill payment services

Disclaimer: Australian Frequent Flyer is affiliated with Pay.com.au.