Whether it’s your yearly income tax, quarterly business activity statements (BAS) or even education debt (HECS-HELP), you might be wondering ‘how do I earn the most points with payments to the Australian Taxation Office?’

There isn’t a set answer – cards and offers keep changing. Many banks now provide zero points on Australian Taxation Office (ATO) transactions, and this is a trend that’s almost universal now.

There are a few cards on the market that do still offer the ability to earn points for ATO transactions – mainly American Express plus some select high-end Mastercard and Visa cards.

In this guide, we reveal the current list of cards that earn points with the ATO, as well as some points-earning alternative payment options.

1. Paying the ATO with a credit card directly

The simplest way to make a tax payment by credit card is to head to the Government EasyPay website. Enter the reference number provided by your accountant or the ATO for your payment, and away you go. It’s not always the most rewarding, though – we’ll explain why further below.

ATO credit card payment fees

When paying the ATO directly using a credit card, you’ll incur a surcharge on the transaction. There’s no way to avoid this without sacrificing the ability to earn reward points. (But even then, you might pay the surcharge only to earn zero points anyway, if your card isn’t eligible. Firstly though, here are the ATO’s current credit card surcharge rates.

Payment methodSurcharge (as of Dec 2024)
BPAY/bank transferNone
Mastercard Debit0.20% *
Visa Debit0.40% *
Visa Credit0.80%
Mastercard Credit0.72%
American Express1.45%
Visa/Mastercard international payments1.99%
* no debit card surcharges from 1 January 2025

The surcharge amount is often a tax-deductible expense for a business, but double-check with your accountant or tax advisor for your own circumstances.

Your personal choices might dictate that payment via bank transfer or BPAY makes more sense than incurring a surcharge, so bear that in mind.

Which rewards cards earn points at the Australian Taxation Office (ATO)?

Unfortunately, not many cards in Australia award points for direct payments to the ATO anymore. Here are some of the ones that do:

Credit CardPoints earned per $ spentPoints capNotes
Most American Express-issued Membership Rewards cards, including:

Amex Essential Rewards

Amex Explorer

Amex Platinum

1 Membership Rewards pointVaries by card, but the baseline earn rates of these example products are all uncappedCheck the individual guides for each card in our cards table
Most American Express direct-earn cards, including:

Velocity Platinum

Qantas Ultimate

0.5 Qantas or Velocity PointsVaries by card, but this baseline earn rate is uncapped on these example cardsCheck the individual guides for each card in our cards table
CommBank Business Platinum Awards

CommBank Business Awards



1 CommBank Awards point300,000 CommBank Awards points per year (Platinum Awards)

60,000 CommBank points per year (Awards)		CommBank Awards terms explicitly permit points earned at the ATO and for Business Transactions up to the points cap. See Section 1.1 of the T&Cs →
NAB Qantas Business Signature Visa

0.66 Qantas Points33,000 Qantas points per monthNAB states that payments you make to the Australian Taxation Office will earn you Qantas Points at the same rate as regular everyday business purchases.

Cards and banks that do not allow points earn for ATO transactions include (but are not limited to):

  • ANZ Rewards & Frequent Flyer, Bank of Melbourne, Bank of Queensland, BankSA, CommBank (personal cards), HSBC, Macquarie, NAB (personal cards, Citi-branded cards and white label products including Qantas Money and Virgin Money), Qudos Bank, St.George and most others.

Caveats and disclaimers

  • Do your own research by reading the credit card and rewards program T&C documents, asking the relevant bank and comparing your research with other online sources.
  • We have tried to make this list as accurate as possible. If we do miss a card, have an error in our calculations or have made a mistake in the research, please let us know in the comments. There is no ranking or endorsement of a specific credit card implied in the above table.
  • There are legitimate reasons for having to pay the ATO as either a personal entity or as a business entity. Many banks prohibit unreasonable amounts of business transactions on personal cards. We have tried to note the relevant terms and conditions of different bank rewards programs below.
    • We suggest considering a specific business credit card that explicitly permits points earn at the ATO if you have a high volume of business-related transactions.
  • Information in this guide is not provided as, or intended as, personal financial advice. Information presented is general in nature and does not consider any of your personal circumstances, financial objectives, business suitability for tax deductions or existing banking relationships/products.
  • Things can change – check the date at the top of this guide to see when it was last updated.
Ad – Scroll down to continue reading.Minimum spend, terms & conditions apply.

2. Using payment processors like Pay.com.au to earn points with the ATO

PayRewards
Pay.com.au will send your business reward points soaring.

The list of banks offering points by directly paying the ATO is quite small now. But luckily, there is a way to earn full points on just about any card when paying the ATO and other businesses. The secret is third-party processors such as Pay.com.au, RewardPay, B2BPay, YakPay, and Sniip.

Rather than making a credit card payment directly to the ATO, you can earn the full rate of credit card points by paying a surcharge to those services and having them make the payment to the ATO on your behalf. You might also earn bonus reward points from the processor on top of the transaction points.

Fees for payment processors

Payment fees vary for each provider, depending on a range of factors including transaction size. Expect to pay around 1-2% in processing fees, on average. Fees for American Express payments tend to be the highest – including Sniip, where the rate for ATO payments is now pegged at the business rate of 1.99% + GST, even for personal tax payments.

Pay.com.au fees go as low as 0.80% for Mastercard credit cards, depending on your membership package. Given the ATO charges 0.72% but isn’t eligible for points from most banks, it could make sense to pay a bit more through a payment processor and earn full points on all reward credit cards.

Be sure to run the sums to ensure the points you’re earning are worth more than the surcharge.

Note: Point Hacks is affiliated with Pay.com.au.

3. Working out if the surcharge is worth paying

The credit card surcharge is the key part of figuring out whether to use a points-earning credit card for ATO payments. In short, you want the value of the points earned to be worth more than the surcharge.

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The first thing to consider is the value you place on your points. You can check out our list of rewards points values, which might help you. But points might be ‘worth’ more to you if you’re saving up for a big redemption, for example.

Once you have an idea of how much you value a point, you can then place a value on the total number of points earned by paying the ATO with a credit card surcharge. Here is a few simplified examples.

Example 1: It could make sense to pay the ATO surcharge

Say your NAB Qantas Business Visa card earns one point per AU$1.50 spent, and you value Qantas Points at 1.9 cents each. If your tax bill is $6,000, then you’ll earn 4,000 points, which have a value to you of $114.

With the ATO’s surcharge of 0.80% on Visa credit card payments, you are paying $48 to earn the 4,000 Qantas Points. (You’d earn 4,032 Qantas Points once you include the surcharge). In this case, you might consider paying using this credit card.

American Express Qantas Ultimate Example 2: It doesn’t make sense to pay the ATO surcharge

As an alternative example, let’s consider an American Express card that earns a capped 0.5 points per dollar. You’d earn 3,000 Qantas Points on the same ATO bill, which you might at $57 under the same basis as above.

The surcharge of 1.45% means that you’re paying $87 to earn those 3,000 points (well, around 3,043 points, surcharge included) – more than what you valued those points at. In this case, you might consider not paying the bill using American Express. But fear not, because there are alternatives to earning full points with American Express, which we cover in Example 4.

Qantas Premier Platinum Mastercard Example 3: It could make sense to use Pay.com.au with Mastercard

This time, you want to use your Qantas Premier Platinum card which earns one point per AU$1 spent. The Qantas Premier Platinum card usually earns no points with the ATO. But if you go via Pay.com.au, for example, you would incur a payment fee of $48 to $60 + GST (equivalent to 0.8 to 1.0% + GST), depending on your plan. The $60 + GST fee is applicable to the free monthly plan.

If your tax bill is $6,000, then you could earn up to 6,060 points (processing fee included), which have a value to you of around $115. The points earned would outweigh the payment charge under that basis, especially if you can claim the processing fee and GST on your tax (see a professional for advice).

In comparison, Sniip charges a flat 1.5% fee for Mastercard (including GST), which comes to a $90 fee for earning a similar number of points. You’d be paying up to $37 more in fees for no extra benefit.

American Express Qantas Ultimate Example 4: It could make sense to use Sniip with American Express

As an alternative example, let’s consider the American Express Qantas Ultimate that earns a healthy 1.25 points per dollar for general purchases (up to 100,000 Qantas Points per calendar year, then 1/$1 thereafter). If you paid the ATO directly, you’d only get 0.5 points per dollar instead. But by going through a payment processor like Sniip, your rewards will multiply.

On a $6,000 bill, the surcharge of 1.99% (2.189% incl GST) means that you’re paying $131.34 (incl. GST) to earn 7,664 Qantas Points (including points earned from the fee), worth around $145 to you. That’s an okay deal, particularly if you put those points toward Business Class and get even more ‘value’.

What to consider when paying a surcharge

Among the things that you might consider before deciding whether a surcharge is worth paying:

  1. The value you place on the points that you earn with your credit card.
  2. How many points the credit card you’re planning to use will earn per dollar spent at the ATO.
  3. The surcharge incurred for using your chosen payment method by the ATO.

However, this analysis does not take into account:

  1. Any tax deductibility of the ATO payment fee and GST, if applicable.
  2. The cost of ownership of the credit card, such as its annual fee.
  3. The cost of any interest incurred for balances you are carrying on the card. The assumption in this guide is that no interest will be paid for your ATO payment. If you are planning on carrying the ATO balance on a card and incurring interest on this balance, then the interest incurred will likely be far higher in cost than the value of the points earned.
  4. The cost of any applicable subscription fee to Pay.com.au which provides access to the most affordably priced credit card transaction fees.

Summing up

While we can’t recommend specific cards for your circumstances, this guide may help by outlining some of the main options. Paying the ATO directly generally isn’t the best way to earn points anymore, due to the limited range of banks and cards that offer points on ATO payments.

Instead, consider using a third-party payment processor like Pay.com.au or Sniip to make the most of a rewards card. You’ll most likely pay a slightly higher fee, but could earn full credit card points.

Given most of us will probably have to pay significant amounts to the ATO anyway, maximising a rewards-earning credit card is a great way to get rewarded sooner. Just be sure to always check the fees and crunch the numbers first.

Frequently Asked Questions

How do I pay my ATO bill?

There are numerous ways to pay an ATO bill. BPAY is recommended for those who don’t want to pay any extra transaction fees, but reward points are not normally earned in this case.

Credit cards will incur a set fee depending on the card type. You could also process payments through a third party mentioned in this article, which would help earn rewards points.

Do you earn points on BPAY?

No, not usually. Most banks and rewards credit cards do not consider BPAY transactions as eligible to earn rewards points.

Does the ATO card payment fee have GST?

According to the ATO website, its own card payment fees are not subject to goods and services tax (GST). However, it may be a deductible expense depending on your circumstances.

Can I pay the ATO with Amex?

Yes, you can use an American Express card to pay the ATO. However, this normally incurs a higher payment fee compared to using an Australian-issued Visa or Mastercard.

Originally published by Matt Moffitt, with updates by Chris Chamberlin. Note that Point Hacks is affiliated with Pay.com.au.

How to earn points on ATO payments was last modified: March 18th, 2025 by Brandon Loo