What are the ways I can earn Frequent Flyer rewards with my credit card and bills?

Information verified correct on October 1st, 2016
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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 1st, 2016.

Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer

Balance transfer offer has been extended until 31 October 2016.

September 26th, 2016

Bankwest Qantas Platinum MasterCard

Bonus points and balance transfer offer have been extended until 30 November 2016.

September 28th, 2016

Citi Qantas Signature Credit Card

Bonus points offer has been changed from 70,000 to 50,000 points. Offer ends 30 April 2017.

September 30th, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 $195 p.a. Go to site More info
Learn and compare more frequent flyer credit cards

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.

Provider

What can I earn points on?

Rewards Program

American Express

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.

American Express Membership Rewards

Bankwest

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.

Bankwest More Rewards

HSBC

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.

HSBC Rewards/HSBC Rewards Plus

Macquarie Bank

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.

Macquarie Bank Rewards

Woolworths

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.

Everyday Rewards

ANZ

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.

ANZ Rewards

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.

Amplify Rewards

Bank SA

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.

Amplify Rewards

Citibank

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.

Citibank Rewards

CBA

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

NAB

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.

NAB Qantas/Fly Buys/Velocity Rewards

Diners Club

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.

Diners Club Rewards

St.George

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.

Amplify Rewards

Suncorp

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.

Suncorp Rewards

Virgin

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.

Velocity Frequent Flyer

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.

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What are the pros and cons of earning frequent flyer points on credit cards and bills?

Pros

  • Earn benefits as you spend. The most obvious perk is earning rewards for indispensable payments in everyday life.  If you’re already paying your bills with your credit cards, you may as well get a return ticket to a tropical paradise in return, right?
  • Simplify the bill paying process. Using credit cards to pay the bills also helps to make the transactions easier and effortless, taking some of the hassle out of keeping the monthly payments right on schedule.
  • Improving your credit score. If you use this system prudently, using your credit card for everyday payments could help improve your credit score. By paying your bills regularly and on time, you can increase your credit score quickly and easily.

Cons

  • Temptation to spend. Some cardholders may be tempted to spend purely for the sake of earning points. However, if you’re unable to pay your balance in full each month, any discounts or rewards you make from your rewards will be nullified by the interest you’ll owe.
  • Spending on credit. Although spending with credit can be of benefit to some cardholders, you may find it more difficult to budget with a credit card than you would when using your own money from, say, a debit account.
  • Limitations. As mentioned, you can’t earn points on all rental transactions. For example, if you find that you commonly use BPAY to pay your monthly bills, you will be unable to earn points as you would when using other payment methods.

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.

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Shirley Liu

Shirley is a personal finance journalist for finder.com.au. She is passionate about educating readers about home loans and helping users navigate the area to find the best deal for their financial situation.

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20 Responses to What are the ways I can earn Frequent Flyer rewards with my credit card and bills?

  1. Default Gravatar
    Sailesh | July 2, 2016

    Is there a credit or cash card that can earn reward points on mortgage payments?

    • Staff
      Anndy | July 7, 2016

      Hi Sailesh,

      Thanks for your inquiry.

      Most credit cards that let you earn points on purchases will also let you earn points when paying rent or mortgage. However, it is best if you inquire from your mortgage company if credit card payment is accepted.

      Cheers,
      Anndy

  2. Default Gravatar
    Hamish | April 21, 2016

    With a credit card such as a Platinum attached to Qantas points, if we load the credit card with funds, then have a direct debit to pay down a home loan with another bank, will we get credited with the points on the transaction?

    • Staff
      May | April 21, 2016

      Hi Hamish,

      Thanks for your inquiry.

      Using a Qantas frequent flyer credit card for your eligible purchases will let you earn Qantas points. As for the payment for a home loan, you can earn points if the company you’re having a loan with happens to be a partner of Qantas. Please check your email as I sent you the page where you can find information about earning points with Qantas.

      Cheers,
      May

  3. Default Gravatar
    laraine | April 6, 2016

    Hi I am looking for a card that I can use to pay everyday expenses, insurance, health insurance foxtell, utilities, etc at the moment I have a set amount that I pay automatically into an account weekly and then pay these bills as they come in Direct Debits etc. There is always a reasonable amount of money in this account. Using this same principle how can I maximise my velocity or Qantas points. Which credit card should I go for?

    • Staff
      Ally | April 6, 2016

      Hi Laraine,

      Thanks for your inquiry.

      Kindly note that finder.com.au is an online comparison service and is not in a position to recommend specific products, credit card issuers, and services.

      However, you might want to check out the tips on our page called Tricks on how to earn frequent flyer points and also compare the different frequent flyer credit card options there until you find one that’s highly suitable to your needs.

      I hope this has helped.

      Cheers,
      Ally

  4. Default Gravatar
    Ryan | September 10, 2015

    Do you know if I use my Westpac Qantas Black card via BPay, am I able to earn QFF points?

    • Staff
      Jonathan | September 10, 2015

      Hi Ryan, thanks for your inquiry!

      Generally BPAY payments can qualify as eligible purchases. However this will depend on the type of transaction you are making (retail purchase, bill payment etc) and the merchants agreement with BPAY. To ensure QFF points earnings if the transaction is not a retail purchase it would be best to contact the respective merchant.

      Cheers,

      Jonathan

  5. Default Gravatar
    Thomas | August 12, 2015

    If I pay my bills using my NAB Qantas Platinum reward Visa credit card by BPAY, do I still earn Qantas Frequent Flyer points?

    • Staff
      Jonathan | August 13, 2015

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit card merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction to ensure points earnings.

      I hope this helps.

      Cheers,

      Jonathan

    • Staff
      Jonathan | August 13, 2015

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit card merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction to ensure points earnings.

      I hope this helps.

      Cheers,

      Jonathan

    • Staff
      Jonathan | August 13, 2015

      Hi Thomas,

      Thank you for your inquiry.

      Billing transactions may attract points earnings however this depends on the specific biller’s agreement with the credit cad merchant and if the transaction is treated as a cash advance or purchase. It is best to contact your biller before completing the transaction.

      I hope this helps.

      Cheers,

      Jonathan

  6. Default Gravatar
    Janeen | May 14, 2015

    I’m looking for a credit card that will earn me Velocity Points for paying my rent. Do you know if this exists?

    • Staff
      Jonathan | May 14, 2015

      Hi Janeen, thanks for your inquiry!

      As per the terms and conditions for Velocity Rewards, eligible transactions mean “Retail Purchase which is made by the use of a Card or any other means permitted by us.” Unless the rental payments are accepted as retail purchases by the bank/merchant, unfortunately no Velocity points will be accumulated. You may like to refer to the following link for rewards credit cards and offers.

      Cheers,

      Jonathan

  7. Default Gravatar
    RICHARD | February 17, 2015

    Is there any credit card that will earn points for paying state land tax?

    • Staff
      Elizabeth | February 17, 2015

      Hi Richard,

      Thanks for your question.

      There are a few credit card issuers that let you earn reward points for paying tax. You might want to take a look at this page and this page to find out about credit cards that let you earn reward points for paying your tax.

      Hope this will help.

      Thanks,

      Elizabeth

  8. Default Gravatar
    Ak | February 15, 2015

    hi, does citibank credit card pay points for bpay payment?

    • Staff
      Jonathan | February 16, 2015

      Hi Ak, thanks for your inquiry!

      Citibank Rewards points can be gained through everyday purchases, direct debit and selected bonus partners. It depends on whether your transaction is supported by Bpay. If Bpay is accepted then it will attract rewards points.

      Cheers,

      Jonathan

  9. Default Gravatar
    gillian | July 23, 2014

    hi i am interested in getting a credit card for my husbands business and i would like to accrue skyreward points for flights with emirates. i also wish to know the cost per transaction and if he can use for paying suppliers. thanks

    • Staff
      Shirley | July 24, 2014

      Hi Gillian,

      Thanks for your question.

      Unfortunately at the moment we don’t compare business cards that let you directly earn Skyward miles. However, there are some business cards that allow you to earn reward point and then you can convert them into Skywards miles.

      You can compare business credit cards on this page. Generally you can use these cards for paying suppliers.

      Cheers,
      Shirley

Credit Cards Comparison

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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