Net points earned
—
Cost per point
—
Net value
—
Platform comparison for your spend
| Platform | Fee % | Fee $ | Card pts | Platform bonus | QF total | CPP | Net value |
|---|
Top Cards for Australian Bill & ATO Payments
Bill payment platforms charge fees, so earning with the highest base rate is critical to staying ahead.
Highest Flexible Earn
Amex Platinum Card
Earns up to 2.25 pts / $1 on platforms. Includes transfer partners across Qantas, Velocity, and KrisFlyer.
Dedicated Qantas Earn
Qantas Amex Ultimate
Earns 1.25 Qantas pts / $1 on processed bill platforms, offset by a yearly $450 Qantas travel credit.
Lower Fee Everyday Option
Amex Explorer Card
Earns 1.25 pts / $1 with lower annual cost and a $400 annual travel credit. Works well across Sniip and B2Bpay.
Break-even fee % (fee = point value)—
Your best platform's fee—
Headroom (fee ceiling − platform fee)—
Net value across annual spend
Which Platform Fits Your Payment?
Personal Bills (No ABN)
Sniip is the only major platform supporting personal consumer bills with no ABN required.
Lowest Visa / MC B2B Rate
B2Bpay Essential (1.10% + GST) or pay.com.au offer the lowest entry fees for standard bank-issued cards.
Flexible Airline Partners
pay.com.au supports 16+ airline/hotel programs (KrisFlyer, Qatar, etc.), whereas B2Bpay focuses on Qantas and Velocity.
Highest Points Acceleration
RewardPay and B2Bpay Earn Max let you buy up to 2 extra points per dollar if you need points fast.