Transform the task of paying your bills from a burden into a lucrative opportunity by earning frequent flyer points on your credit card
We know that our life has moved into adulthood when we take on the onerous task of paying our everyday bills. However, paying bills can be used to your advantage if you’re earning frequent flyer points along the way. It’s not uncommon for cardholders to rack up enough points to redeem for flights and other travel discounts as a result of using their credit card to pay for their everyday bills.
Here we compare the different ways cardholders can earn points on their cards, as well as some of the limitations and restrictions that can also come into play.
Compare Frequent Flyer Credit Card Offers
Rates last updated October 25th, 2016.
- NAB Qantas Rewards Premium Card
Bonus points, purchase and balance transfer offer have been extended until 22 January 2017.
October 3rd, 2016
- American Express Qantas Discovery Card
The spend criteria for the bonus points has been changed from $300 to $750.
October 4th, 2016
- NAB Qantas Rewards Premium Card - Exclusive Offer
Exclusive 75,000 bonus points when you spend $1,500 on everyday purchases in the first 90 days.
October 24th, 2016
Which credit card providers let you earn Qantas Points paying bills (excludes BPAY)?
The table below shows the reward program associated with each credit card provider. It also explains what each bank allows points to be earnt on and whether or not BPAY payments are excluded.
What can I earn points on?
You cannot earn points on any charges prior to the enrolment date as well as cash advances, travellers cheques, charges for dishonoured payments, interest charges, fees and charges associated with your American Express credit card, late payment charges, ‘pay plus points’ transactions, promotional offers and balance transfers.
Earn reward points when you buy groceries, fuel the car, pay bills, or pay for anything on your credit card. Collect and redeem them for rewards such as holidays, household items and gift cards at major retailers.
Ineligible transactions for earning points includes balance transfers, cash advances, interest free transactions and HSBC’s special promotions, business expenses, fees or charges (including government), any value charged to your card in association with a points plus pay redemption, any expenditure incurred as part of a ‘points plus pay’ transaction, a transaction which HSBC decides is fraudulent or involves the abuse of a card, a disputed debit transaction and finally BPAY transactions.
You won’t earn Frequent Flyer points for GST and government charges, interest and other bank fees and charges (including any GST payable on any of these), cash advances, special promotions such as balance transfers, transactions made in operating a business or in connection
with business expenditure, refunded transactions and finally payments for credit card protection insurance.
Points can be earned by paying utility bills, but you cannot earn points on government bills such as fines and taxes. Other exclusions include (from Woolworths supermarkets) smoking/tobacco products, gift cards, cash out, home delivery charges and internet cafes. From BWS the following is not included; smoking and tobacco products, cash out and gift cards.
You can earn reward points by paying bills with your ANZ credit card with billers that accept credit card payments via BPAY (subject to the terms and conditions of the individual cards). Bill payments from your ANZ credit card can be processed as either a purchase or a cash advance, depending on how the biller (the business that has given you the bill) is set up with the BPAY billing service. If the biller chooses to accept credit cards, the payment is processed as a purchase. If the biller chooses not to accept credit card payments, ANZ may allow you to make a payment from your credit card but it will be treated as a cash advance and you will be charged a cash advance fee.
Bank of Melbourne (BoM)
Only eligible purchases made on the account for your BoM credit card will earn points in your chosen rewards program. You do not earn points on balance transfers, BPAY transactions and cash advances. BoM also advises to read the terms and conditions. If a refund or chargeback is processed on a retail purchase, it will reverse the points earned for that transaction.
While reward points are earned when you purchase goods and services, they cannot be earned through governmental charges (other than GST payable in connection with the purchase of goods or services on which you earn Amplify points), interest and other bank fees and charges, cash advances, balance transfers and BPAY payments.
Depending on the type of bill, you can choose to pay from your savings account, loan account or credit card depending on the type of bill. If you can pay by using your Citibank credit card, then you can earn reward points and redeem them for vouchers, gifts, or Qantas Points. Eligible transactions excludes cash advances, balance transfers, special promotions, foreign currency or exchanges, ATM/Bank charges, business expenses and accounts more than $10,000 in credit.
Points are earned on eligible transactions which includes most purchases of goods. The following purchases are excluded from earning points; BPAY, balance transfers, cash advances (utility bills paid in banks are included), government charges, purchases of foreign exchange, insurance premiums, travellers cheque, interest charges, Qantas and bank fees and business purchases.
Commonwealth Bank Awards Credit Card Rewards Program Review
Earn Qantas Points on everyday purchases and redeem for rewards in the Qantas Frequent Flyer program. Everyday purchases exclude; cash advances, bills paid in a bank, financial institution or post office, travellers cheques, gambling or gaming costs, government fees and charges, business expenses, interest charges, transactions deemed fraudulent, payments that are refunded.
Cardholders can earn and redeem Diners Club Reward points for everyday purchases and eligible transactions; these exclude annual, joining and other account fees, liquidated damages, late payment charges, Diners rewards membership fees, government charges and fees, taxes and amounts that Diners Clubs declare.
Amplify points can be redeemed for a wide range of rewards like travel services, Qantas Points and merchandise.
Points cannot be earned by the following charges; government charges, bank fees and charges, cash advances, balance transfers and BPAY payments.
Earn points on your Suncorp credit card on everyday purchases with any retailer. Eligible purchases exclude cash advances, balance transfers, special promotions, fees, purchases of foreign currency and travellers cheques, interest charges, government charges, insurance charges, payments to loan accounts (mortgage etc), transactions made in operating a business and all other transactions if the account is more than $10,000 in credit.
An eligible transaction is a retail purchase made by using your card. However, if you use BPay and the merchant accepts credit card payments, then you can also earn points. This excludes cash advances, balance transfers, special promotions, fees, purchases of foreign currencies, interest charges, government charges, insurance charges, payments to any debts or when you account is more than $10,000 in credit.
What else should I consider?
Automatic bill repayments
Automatic bill repayments are a great way to ease the multitude of information which needs to be handled every month. Customers can pay their utilities, rent, insurance bills, magazine subscriptions, etc. through automatic bill repayments. However customers should ensure that the balance is paid every month else the interest can become quite onerous.
Bill contact number
You should keep a track of the various bills by either keeping a paper trail or storing the electronic bill data carefully, in case there is a future need for them.
Direct to biller
These rewards apply only when paying directly to the biller. If BPAY is used, it generally will not provide any points.
How else can I earn points?
When you use a credit card linked to a Qantas Frequent Flyer account, you can earn Qantas Points when you pay rent. Depending on the terms and conditions of the applicable card rewards program, when you pay rent to your real estate agent, you can take advantage of interest-free days. You can also receive free SMS and email reminders to pay your rent, saving time and hassle. You will also receive a secure online login so you can review, rent payments online and update your personal details.Back to top
What are the pros and cons of earning frequent flyer points on credit cards and bills?
If you already use your credit card for everyday payments such as your bills, using a rewards card could be a great way to receive extra perks as you spend. Although there is no such thing as the one best rewards card, the best option will depend on your individual financial situation. Consider the features and costs of the card to ensure that any rewards you receive from the card will outweigh the associated costs. As always, make sure to compare your options and read the terms and conditions to gain an understanding of your options.
Frequently asked questions (FAQs)
Is it useful for me?
These credit cards come with huge amount of customization which allows the customers to choose the exact card which benefits their spending pattern. They help in easing the pressure of keeping track of various bills and ensuring timely payments. At the same time customers can earn useful points which can be redeemed during your dream holiday or occasional travel.
Are there any negative effects of using this system?
Customers have been using this system for a long time and all the processes have been geared to provide complete security during transactions and make the process seamless. However, users should make sure they keep their expenses within a limit and follow financial prudence.
Which is the best card for me?
The answer for this depends on individual spending habits. Users who have higher expenses can choose a premium card like American Express Qantas Premium Card which would give them a higher rate of point collection and also provide important benefits like club lounge invitations. Users who have lesser expenses can go for basic card like American Express Qantas Discovery Card which has zero lifetime annual fees thus reducing the cost of maintaining the card.
How can I improve my points tally?
There are multiple ways through which one can improve point collection. The first and easiest way is to ensure that all the daily bills and expenses are paid through the credit card. Once the automatic billing is set up the points will add up without any need for further intervention.
Seasonal expenses like purchases of Christmas can also be processed through the same credit card which would help in increasing the number of rewards. Finally users can also look at any occasional deals which are published by credit card firm which can help towards getting points.
These deals are geared towards a much higher rate of point collection than regular bill payment and hence if these deals are helpful towards the regular purchase one can use them to increase the point tally.