Bill payment apps that earn points, compared

Rent is most people's biggest bill, and it usually earns nothing. Pay $600 a week by bank transfer and that's $31,200 a year with no points to show for it.

Payment apps change that, for a fee. Here's how the main ones compare and when the fee is worth paying.

How bill payment apps work

You pay your bill in the app with a credit card. The app pays your landlord or biller by bank transfer or BPAY. Your card earns points at its normal rate, as long as your card doesn't exclude the payment type. Some apps add bonus points too.

The apps compared

Correct as of September 2026. Fees change often; check each app.

Is it worth it?

Use the break-even test: fee divided by points per dollar is the value each point must reach.

Take $600 a week of rent through RentPay at 1.15%, on a card earning 1 point per dollar:

• Points: about 31,200 a year
• Fees: about $359 a year
• Break-even: each point must be worth 1.15 cents

That's three Sydney to Melbourne Classic reward flights at 9,200 points each, plus taxes. If you'd use the points for that or better, it's worth it. If you'd use them on gift cards, it isn't.

Worked example: Sniip

This values Qantas Points at 3.5 cents each, a typical value for a business class Classic reward, and assumes the payment earns the card's everyday rate.

Personal: a $2,000 bill through Sniip on a Qantas American Express Ultimate card (Points Booster Bronze)

Personal fees include GST and aren't tax-deductible. Without Points Booster, the same bill nets $68.70, so the Booster adds $15: it buys points at 2 cents each, which pays when you redeem for more than that. At 1.6 cents a point, Point Hacks' average valuation, the net profit falls to $13.40, and the Booster costs you money. Sniip charges Amex payments to the ATO at its business rate, 2.19% including GST, which cuts the margin.

Four catches

1. Your card may not earn on bills. Many cards exclude government payments, BPAY or utilities. Check your terms.
2. Interest wipes out everything. Only pay by card if you clear the balance in full.
3. Fee-free options must exist. In NSW and Victoria, landlords and agents must offer at least one fee-free way to pay rent. Using an app is your choice.
4. Paying the ATO direct usually earns few points. The ATO accepts credit cards until 30 June 2027, but most cards earn little on tax. Apps like Sniip pay the ATO by BPAY, so your card earns its normal rate.

Why apps can pay bonus points

An app like Sniip charges a fee above its card processing cost. Part of that margin buys airline points from Qantas or Velocity to pass on to you. It's a way for the airline program to reach your biggest bills, and for the app to stand out on more than price.

What I'd do

1. List your regular bills and check which your card earns on.
2. Run the break-even test for each.
3. Use an app only where the points clearly beat the fee.

For businesses, read Business payment rewards platforms compared.