How To Build Your Credit Card Rewards Points

Information verified correct on October 27th, 2016

Learn about the most efficient ways to earn more credit card rewards

There are many different ways to build up reward points on a credit card. Most people get points by using the card to make their regular purchases as they go about their day-to-day life. There are things you can do, however, to get more points and to speed up the whole process.

Get your credit card points faster

If you make your rent payments or mortgage payments with your card you will really start to see your points build up. These are usually the largest bills that you have to pay every month, and every time you don’t use your credit card to make a payment you are losing points.

You can talk to your landlord or your mortgage company to find out if making payments with your credit card is a possibility. Some will permit payments to a credit card while others won’t, so it is worth your time to ask.

Another thing you can do is ask them if they will accept a money order as a form of payment. You can use your credit card to purchase a money order and start building credit card rewards points faster that way.

Paying your bills

Try to get into the habit of paying your bills with your credit card. If you schedule regular monthly payments for your utility bills it will become an automatic way to collect more points. You will have to find out if your bill can be paid with your credit card, but most companies nowadays do allow it. You should also check with your credit card provider to make sure that you will be rewarded the points you deserve by paying your bills with your card.

Everyday expenditures

A lot of people use their credit card every day for making regular purchases, but if you are not one of them, then you should consider using the card more often. Even little purchases quickly add up to more points. You can easily find out which purchases count for points and which ones are not eligible by looking at your statement every month.

It is important to remember to be responsible with your credit card. credit card bills should be paid before the statement even arrives and this will help establish your credit file. It is a great way to earn points and keep a good credit rating.

If your credit card is linked to a rewards system then you should use it as much as possible to get the greatest rewards. If you use the methods outlined above you will see your points accumulate faster, which means you will get your rewards quicker as well. All you need now is a good rewards credit card to maximise your points earning.

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2 Responses to How To Build Your Credit Card Rewards Points

  1. Default Gravatar
    | August 28, 2016

    Looking for credit card with reward points for BPay

    • Staff
      Anndy | August 31, 2016

      Hi Sailesh,

      Thanks for your question.

      Most credit cards no longer consider BPAY payments as an eligible purchase for the purpose of earning rewards points. However, select cards on this page still let you earn frequent flyer points when you make BPAY payments.


Credit Cards Comparison

Rates last updated October 27th, 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
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
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards 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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