Is there any methods available to pay ATO bills and earn credit card points in 2026 other than pay.com.au and sniip that charge a % fee
Earning Credit Card Points on ATO Bill in 2026
xNik on 27/02/2026 - 15:45
Comments
You get QFF when paying Sniip with BSB?
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Like buying cereal just for the toys inside.
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You want points but not paying fees….
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Use gift cards.
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TopCashback
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The masses killed off Beem and Zip BPAY, they will never take away my TopCashback method.
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What is "topcashback" method?
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Wait, you can’t Zip BPAY the ATO anymore?
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I did it in November, what changed?
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@6079 Smith: How does it work? Is it Zip Pay you use? I need to pay ~10k. Can you use a credit card to load up Zip Pay and then use Zip Bpay? Can you also put you credit line in positive (aka deposit $10,000 into Zip Pay then pay the ATO). Like with credit cards you can over pay your repayments, and it no longer draws down from your line of credit. Also Zip Pay has a 1k credit line, so not enough for me and I need to over repay Zip to use it.
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@xNik: You BPAY it in $1k increments then pay off your balance straight away and repeat. No loading up and it’s $2.50 per go
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@6079 Smith: Do you pay the balance off immediately with your credit card (like an ANZ credit card)? And is there any card fees for paying off the balance?
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@xNik: You don't have to pay off immediately if you don't want to. They give you a statement and just pay by due date to avoid fees.
But it is 1k limit per bpay and there are fees now (used to be no limit except your credit limit and no fees)
You could pay immediately then do another bpay. Be warned, if you do it often they keep locking your account and you need to go thru the verification process. It's easy but takes time
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How can we pay using topcashback?
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Buy Coles Mastercards when they don't have the fee.
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I thought this doesn't work anymore. The method got patched. https://gcdb.com.au/article/ato-stops-accepting-gift-cards/
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Has anyone used pay.com.au to pay their ATO bills via AMEX? I'm thinking of paying my whole $50K debt off within the 30 day trial period. Any downside to this?
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I've been using their premium plan for a couple of years and no issues.
If you're a new user the are some bonuses available so just check those
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Inwork3d out the costs…doesnt seem to be worth it
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If it's personal and you're a new user the bonus points make it worthwhile.
Not as a regular user.
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@Traveller in motion Thanks, I've picked up on this. Will be lining up the bonus promotion points. Will be paying my bills using the premium rate, but I'm not convinced that paying for extra PayRewards within that Premium subscription is worth it. Lost of bad feedback on TrustPilot about this.
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Yeah I don't pay extra for their points
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There are a lot of third party payment providers who allow you to earn points on ATO and government payments, but they do have high fees and generally not worth it IMO. However your experience may vary