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How to Make BPAY Payments From A Credit Card
Smart Money

How to Make BPAY Payments From A Credit Card

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Everything you want to know about BPAY payments, all in one place! You asked, we answered. On this page, we’re going to look deeper into BPAY and BPAY payments from a credit card, including how to make a BPAY payment, whether you can earn rewards points on BPAY payments, and all other FAQs you might find helpful.

  1. How to Make a BPayment
  2. Do BPay payments earn reward points?
  3. Can I BPay the day before due date?
  4. How do I find out if the biller accepts BPay?
  5. Are BPay payments purchases or cash advances?

What is BPAY?

Let’s start with the basics. BPAY is a payment facility that allows you to make payments to Australian institutions. This can include bills, or really any other payments, as long as the receiving institution accepts BPAY as a form of payment.

Say you want to pay your water bill. When you receive the bill, check for the BPAY symbol. Once you’ve found the BPAY payment details, simply log on to your bank account online, select BPAY, and enter the details as set out in the bill. Alternatively, you can use phone banking if you prefer.

The payment will usually take around three days to clear. Easy!

However, BPAY isn’t just accessible through your bank account. You can also make BPAY payments through your credit card. This makes paying bills not only more convenient, it can also earn you rewards points.

As with most things in life, there are certain factors to be aware of when using BPAY. Check out our FAQs section below for more information.

Getting your Rewards

Before we get into the BPAY payment process, let’s have a quick look at how you can benefit from using your credit card to make a BPAY payment. One word: Rewards.

By choosing the right rewards credit card, you can earn rewards points on your BPAY payments. Each eligible BPAY payment you make will earn you rewards, allowing you to rack up more rewards points, more quickly.

Read on to find out what you should be aware of when choosing a rewards card for BPAY payments (some card providers don’t allow you to earn rewards points on BPAY payments, and some will process the payment as a cash advance, making it very expensive indeed).

Finally, here’s some helpful info on how to make the most of your rewards card.

How to make a BPAY payment

Now on to the essentials – how to make a BPAY payment. Most services will accept payment through BPAY. All you have to do is follow a few simple steps:

  1. Find the BPAY logo and payment details on your bill,
  2. Log onto your online credit card login  (or internet banking or even phone banking,)
  3. Select the BPAY or bill payment option,
  4. Choose the account you wish to pay the bill from,
  5. Enter your Biller Code, Customer Reference Number (CRN), the amount to pay and when you wish to schedule the payment; and
  6. Wait for and record your receipt number.

Paying bills this way is mostly popular with rewards cardholders, as it allows them to earn more rewards points, but it can be convenient for any credit cardholder. However, as you’ll see below, not all transactions will earn points.

Paying bills with your credit card could be an easy  option for you, but it’s important to know whether the biller you’re trying to pay accepts credit card payments.

You can find out which companies accept BPAY payments from a credit card quickly and easily. Just search the name or biller code on the BPAY website. That should make it easier to decide how to pay.

BPAY and Credit Card Transactions: Purchase Or Cash Advance?

One thing to be aware of when you are using your credit card for BPAY is whether it is charged as a purchase or a cash advance.

In most instances, issuers will process the payment as a purchase so you will be able to earn rewards points for it.

ANZ, for example, outlines that BPAY payments made to companies that accept credit cards will be processed as purchases and earn any applicable reward points.

Some banks may allow you to use BPAY if the biller does not accept credit card payments, but the transaction will be treated as a cash advance and you will be charged a cash advance fee. You can easily find out the situation with your bank by checking your credit card’s terms and conditions and looking up the biller you are interested in on the BPAY website.

With higher interest rates and additional fees being charged for cash advances, it may not be worth it if that is the case.

The solution is to find out what types of account payments your biller prefers, so that you can decide whether or not a credit card is the right choice for BPAY.

Then you will be able to pay bills, earn rewards and keep costs as low as possible in any situation.

Some commonly asked questions about using BPAY with a credit card include:

How do I find out whether the biller I am paying accepts BPAY?

This is simple, check your monthly statement if it’s your credit card, or the latest bill if it’s something else, and the BPAY logo should appear on the bottom, where all payment methods should be listed. This section of the bill will also show you the biller code you need to use for the company you want to pay, and all you need is this, plus a reference number located at the top of the bill, to pay the bill. To find out whether the biller accepts credit card payments you can also check the BPAY website and see the list of billers and their status.

Do BPAY transactions earn Frequent Flyer points?

Something we get asked fairly often here at creditcard.com.au is whether or not BPAY payments will attract rewards points. It’s a fair enough question as many rewards programs have decreased their return to customers per $1 spent. Finding out can take a few minutes but it can be time well spent and save you some disappointment when you find out the money you were putting through the credit card using BPAY wasn’t actually earning you points when you thought it should have been.

Some will and some won’t. Not only do you have to be aware of whether the biller you are trying to pay accepts credit cards, you now have to check whether your bank will allocate points for the transaction.

This does not only apply to Frequent Flyer points either, it can also mean rewards points in general are excluded so it is important to check the terms and conditions between your bank and the rewards program to find out whether it’s worth paying BPay bills with your credit card.

How can I maximise the Frequent Flyer points when paying BPAY bills by credit card?

Apart from making sure that BPAY transactions earn points, it’s important to understand whether there is a limit to the number of points that can be earned with your card. You can check this in the credit card’s terms and conditions or product disclosure statement. If you’re looking to maximise the number of points you earn you should consider whether a card with a points cap suits your needs.

Can I pay by BPAY the day before the payment is due?

This is not generally advised, whether paying off your credit card or paying another bill. BPAY payments take up to three days to be cleared in the receiving account, even though the funds will leave your account immediately. This means that your bill could become overdue during the lag period and could mean you incur late payment fees. It’s best to schedule BPAY payments at least a few days in advance of the due date.

Founder - Roland B Bleyer

Roland Bleyer

Founder of Creditcard.com.au. Roland has extensive knowledge about credit cards in Australia. Known as a credit card expert, he has been featured on tv and in various publications. Some popular offers on our site right now include the ANZ Low Rate. This special offer has no annual fee first year, a low purchase rate and long 0% balance transfer. Have a look also at the huge 0% for 30 months balance transfer from Citi with no balance transfer fees.

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30 comments (showing the latest 10 Q&As)

Stephan

Stephan

16 May 2021
I have an ANZ Frequent Flyer Black credit card. I discovered that it is also possible to collect frequent flyer points via BPAY using the credit. The Terms & Conditions of the credit card read that if the credit card is in debit (=having surplus funds) on it that cover the possible BPAY payment immediately in full, then no advance fee or interest applies. That means I have to convert my credit card into a debit card (meaning, have all expenses covered right away) and then there should be no issue with BPAY payments using the credit card. Is that correct? I want to avoid advance fees and interest by all means. Qantas accepts BPAY payments. On their website it reads: "BPAY payments made from credit cards accounts are not accepted." Does that also apply to my credit card when I have a surplus balance on it that would cover the ticket cost immediately? Many thanks for your response and time given.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2021
    Hi Stephan, thanks for your question! I suggest reaching out to your bank to clarify about the BPAY option.
NH

NH

27 January 2019
I have been trying to research if I can pay out 1 credit card with BPay to another so i dont get charged interest on both cards, my plan was to do this as I was reducing debt (both financial institutions accept bpay) however im confused if that would count as a purchase or cash advance. Any ideas?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 January 2019
    Hi NH, a credit card payment should be a purchase. Though I am not sure that you can off a credit card with another credit card. There may be regulations in place that do not allow this. I would speak to the credit card customer service with for cards you are wanting to do this with to make sure it is possible.
Mark

Mark

11 October 2018
All I wanted to do is pay a bill, this is so confusing
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 October 2018
    Hi Mark, what bill are you trying to pay with your credit card? If you look at the bill it should have a biller code and ID. You should be able to pay the bill on the companies website or other options.
Matthew

Matthew

5 October 2018
I want to BPAY my income tax bill for 2018 year using my St George Bank no annual fee card. Will the ATO charge me a credit card surcharge and does St George Bank treat the BPAY as a cash advance? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2018
    Hi Matthew, yes the ATO does charge a fee. From what I could find its 0.42% for Visa but this could have changed. A BPAY is considered a purchase.
william

william

21 August 2018
need to pay by bpay please show me the step by step and where i can find those steps. I read the explanation, but i cannot find where to start, thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2018
    Find the BPAY logo on your email or paper bill. Log on to your online banking. Choose the BPAY payment option in Bill Payment. Enter the payment details. Enter the BPAY Biller code, Customer Reference Number (CRN), amount and date from your bill. Click Pay. That's it! Your bill payment is complete.
Dwari

Dwari

31 July 2018
Can I make a BPAY payment from a bank account/credit card outside Australia (that is without an Australian bank account)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 August 2018
    Hi Dwari, you will need either an Australian credit card or bank account to be able to make an Australian BPAY payment.
Janne Bidenko

Janne Bidenko

10 May 2018
I have changed a booking for a Deafblind woman, Carleeta Manser with Qantas, and I believe I owe an extra $1360 on top of the $2,085.94 thatI have paid through BPAY on my CUA account I wish to pay this now .
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2018
    Hi Janne, you will need to contact Qantas directly to confirm the amount owing and provide the BPAY information required to make any payment from your CUA account.
Jim88

Jim88

6 January 2018
I have recently acquired an Amex card and would like to pay a college membership fee (AUD3000) through bpay which the college's financial department allows. Am i able to log into Amex online services and make bpay payment?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2018
    Hi Jim, if your college accepts bpay payments from AMEX credit cards then you should be able to. I personally have not used AMEX to make a BPAY but you should be able to online. If you have any issues contact AMEX credit card customer service. Check the back of your card for contact numbers.
Michael

Michael

31 October 2017
Does using a credit card through BPAY attract a credit card transaction fee from the recipient or is this characterised as a BPAY payment on their end as well? For example, DEFT charges no fee for using the BPAY but does charge a 1.5% fee for using credit cards.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 November 2017
    Hi Michael, it will depend on the provider themselves that you are making the payment to. Even though its a bpay they can see that it is funded through a credit card. Some may still charge a surcharge for this. Many don't allow bpays that are funded through a credit card. In the end you will need to see how each biller treats the payment. If DEFT payments are what you want to do regularly, then its worth having a go and seeing if you get hit with any additional charges. Alternatively you can contact DEFT to see if there are any extra charges if you bpay using your card. Let me know how you go.
jack kendle

jack kendle

8 October 2017
I have tried to use a Bankwest M/C to pay an Annual card fee to cba. Can't do ! error MSGBB321. Of course CBA owns 100% of BankWest. I tried to pay Transport WA with the same card. No Good. Same problem. This appears to be an I/T programming issue and nobody knows and nobody cares to FIX IT
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 October 2017
    Hi Jack, thanks for letting our readers know.
James

James

4 October 2017
Is it possible to pay/Bpay mortgage payments with an Amex branded card? The payments would be made to a St George mortgage account. The payments would just be for the points earn and would be paid off each month.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 October 2017
    Hi James, you need to speak to St George and see if they accept bpay payments from a credit card (in this case AMEX) for the mortgage. Many providers will not accept bpay payments from a credit card but this is up to the institution.
Yogi

Yogi

19 September 2017
How to bpay via credit card. Having comm bank credit card now. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2017
    Hi Yogi, if you log into Netbank. Then choose transfer, then select your credit card as the source and the bpay that you want to pay. Then make the payment that way. The BPAY provider must allow for payment via credit cards for this to be successful.
ade jon

ade jon

13 September 2017
I still don't understand how to pay a bpay with my credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 September 2017
    Hi Ade, what credit card do you have?
Peter

Peter

7 June 2017
Since the latest updates for windows 10, I can't make a Bpay payment from my bank A/C online. Says biller does not except payment from this A/C type . MSGBB321 ????
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 June 2017
    Hi Peter, that does seem strange and should not be an impact of the windows update. I would call your bank directly to see what the problem is. The issue itself may be with the person you are trying to pay more than the bank you are looking to pay from. Best of luck with sorting it out quickly.
REMY CHAMBEAUD

REMY CHAMBEAUD

7 March 2017
Hello everyone, I would like to know how can I pay BPAY with a foreign credit card (like French credit card visa). If someone could me help? Thank's in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 March 2017
    Hi Remy, you cannot BPAY with an overseas credit card to Australian providers.

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