Bill payment points calculator

Last updated 20 Oct 2026. For estimates only—not financial advice.

Work out roughly how many points you might earn when you pay a bill through a card payment service, and what each point costs you in fees. Compare that to paying the biller directly when they take your card without a service fee.

Bill amount (AUD) Earn rate (points per $1 charged) 0.5 points per $1 (common rewards card) 1 point per $1 1.25 points per $1 1.5 points per $1 2 points per $1 Custom rate… Service fee / surcharge (%) 0% (pay biller direct) 0.65% (typical debit via Sniip) 1.29% (Sniip personal Amex, eligible bills) 1.50% (Sniip Visa/Mastercard credit) 1.32% (pay.com.au free plan Visa/Mastercard) 2.19% (Sniip business Amex rate, e.g. ATO) Custom fee %… Update estimate

Presets are examples from provider pricing pages checked in Oct 2026. Your provider shows the actual fee before you pay. Many cards earn on the total charged, including the fee—check your card's terms.

How to read the result

Effective cost per point is the service fee divided by the points you earn. If that number is lower than what you value a point at (for example 1c or 2c when redeemed), paying through the service may make sense for rewards. If it is higher, paying the biller directly—when that is free—is usually better.

This calculator does not include bonus points, monthly caps, excluded categories, Qantas Points from Sniip, or interest if you carry a balance. Read our guides for specific bills:

• Rent
• Council rates
• Land tax
• School fees
• ATO tax
• Strata levies

More on points and fees: Card The Bill blog, pay bills by card guide.

Related guides

• Pay your bills by credit card
• Sniip vs pay.com.au
• Pay BPAY with Amex
• What changed in Oct 2026