Earn full credit card reward points
You’ll earn the same credit card reward points you would on any other Visa or Mastercard purchase.
Pay Pay bills. Earn points. It’s that simple.
Pay your everyday bills with Visa or Mastercard
Earn full credit card reward points plus PAE Points on top.
Use your Visa or Mastercard card to pay a wide range of everyday bills on Pay & Earn and get rewarded every time you pay.
- Full credit card reward points
- PAE Points on top
- One secure platform
More points. More value.
Every payment.
Two rewards from one bill payment: the card points you already know, plus PAE Points from Pay & Earn.
Earn PAE Points on top
On eligible payments, you’ll earn PAE Points on top of your credit card reward points.
Double the reward potential
More PAE Points in your pocket, closer to your next escape.
Essential1 PAE Point per $20 paid
Plus1 PAE Point per $4 paid
Max1 PAE Point per $1 paid
You choose your tier each time you pay. Platform fees vary by tier and payment method and are always shown before you confirm. See Pricing or run your numbers in the calculator.
How Pay & Earn works
It’s simple to pay bills and earn more with Visa or Mastercard.
Sign up free
Create your Pay & Earn account in minutes. It’s free to join.
Link your Visa or Mastercard
Securely add your Visa or Mastercard card.
Pay your everyday bills
Use Visa or Mastercard to pay a wide range of bills in one place.
Earn more points
Earn full credit card reward points plus PAE Points on eligible payments.
How many PAE Points you earn and the fee depend on how you pay. See Pricing and the calculator.
Get the most out of your Visa or Mastercard
- Earn full credit card reward points
- Earn PAE Points on your everyday bills
- Keep your cash flow in check
- All your payments, in one easy app
- Safe, secure and trusted by Aussies
Earn on the things you already pay for
Turn everyday expenses into everyday rewards, from bills and utilities to insurance and more.
Pay a wide range of everyday bills
Every bill is an opportunity to earn full credit card reward points plus PAE Points on top.
RentElectricityGasInternetMobile & phoneInsuranceWaterGovernmentCouncil & strataAnd more
Frequently asked questions
Quick answers about paying with Visa or Mastercard. For the detail on fees, points and payments, see our full FAQs.
View all FAQsYou can pay a wide range of everyday bills, including electricity, gas, internet, insurance, council rates, water, strata fees and rent.
Yes. You’ll earn the same credit card reward points you would on any other Visa or Mastercard purchase.
PAE Points are Pay & Earn’s own rewards currency, earned on top of your full credit card reward points on eligible payments. You can turn them into flights, hotel stays, experiences, gift cards and more.
Pay & Earn is free to join. A platform fee is charged per transaction.
The platform fee gives you access to the convenience and benefits of paying through Pay & Earn, including an easy way to manage your payments and earn eligible rewards along the way. The fee varies depending on how you choose to pay and is always clearly shown before you confirm your payment. See Pricing for every fee.
Every bill is an opportunity to earn full credit card reward points plus PAE Points.
Sign up free and start paying bills with Visa or Mastercard on Pay & Earn.
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