Pay rent by credit card in Australia
Most agents only take bank transfer or BPAY. A bill payment service can charge your card and pay your agent by bank transfer. Here's what it costs, what your agent needs to have, and when it's worth it.
Fees apply and are shown by the provider before you pay. Card The Bill may receive a referral reward from providers we link to.
How it works with Sniip
- If your agent accepts BPAY: add the bill in Sniip with the biller code and reference. No form needed.
- If not: send Sniip your lease or a rent receipt (by email to rent@sniip.com or in the app). It needs the agency's ABN, BSB and account number, your payment reference, the property address and the amount. Sniip says setup takes 1 business day.
- Pay once or set up recurring rent (weekly, fortnightly or monthly) on the card you choose. Your agent receives a normal bank transfer.
Check first: Sniip can't pay private landlords. Your rent must go to a licensed real estate agent with an ABN.
Fees for rent (as at 6 Oct 2026)
| Card | Sniip fee | Fee on $2,400 a month |
|---|---|---|
| Personal Amex (rentals is an eligible industry) | 1.29% | $30.96 |
| Visa / Mastercard credit | 1.50% | $36.00 |
| Debit card | 0.65% | $15.60 |
| Bank account | 0% | $0.00 |
For business premises, pay.com.au is an option if you have an ABN: free plan Visa or Mastercard 1.20% + GST.
Worked example: $2,400 monthly rent
- Visa earning 0.5 points per $1: fee $36.00; about 1,218 card points plus 240 Qantas Points through Sniip. At 1 cent a point that's about $14.58, a net cost of about $21.42 a month ($257 a year). Break-even: about 2.47 cents a point.
- Personal Amex earning 1 point per $1: fee $30.96; about 2,431 card points plus 240 Qantas Points, worth about $26.71, a net cost of about $4.25 a month. Break-even: about 1.16 cents a point.
Sniip's Qantas Points on card payments are capped at 2,000 a month across all your Sniip payments.
Is the fee worth the points? Plug in your own card and bill in the fee vs points calculator. It shows the fee, the points, their value and your break-even cents per point.
Timing
Rent paid by bank transfer isn't instant. Sniip processes payments made before 5pm AEST on a business day for the next business day, and your agent may take a day or two to show it. Set recurring rent a few days before it's due.
Frequently asked questions
Can I pay rent by credit card to a private landlord?
Not through Sniip. Sniip says it can't facilitate private rentals: the rent has to go to a licensed real estate agent with an ABN.
What does Sniip need to set up my rent?
Your agency's ABN, its BSB and account number, your payment reference, the property address and the rent amount. These are usually on your lease or rent receipt. Email it to rent@sniip.com or upload it; Sniip says setup takes 1 business day.
What if my agent accepts BPAY?
Then you don't need to send anything. Add the bill in Sniip using the BPAY biller code and reference.
What's the fee to pay rent by card?
As at 6 Oct 2026 on Sniip: 1.50% on Visa or Mastercard credit, 0.65% on debit, and 1.29% on a personal Amex, because real estate rentals is one of Sniip's eligible industries.
Can I set rent to pay automatically?
Yes. Sniip supports recurring weekly, fortnightly or monthly payments, and you can change the amount if your rent changes.
Can a business pay commercial rent by card?
Yes. Sniip covers commercial leases, and pay.com.au lets businesses with an ABN pay almost any Australian business with a valid bank account.
Sources
Checked on 6 Oct 2026. Rules and fees change, so confirm with the source before you pay.
- Sniip: Pay rent (opens in a new tab)
- Sniip: Pricing (opens in a new tab)
- Sniip: Earn Qantas Points (cap) (opens in a new tab)
- Sniip: Pay a DEFT bill (processing times) (opens in a new tab)
- pay.com.au: Pricing (opens in a new tab)
- pay.com.au: FAQ (opens in a new tab)