BillPoints — Australian Bill Payment Points Calculator

Your card & spend

Card network

Amex earns more points but pays higher platform fees. Visa/MC is cheaper per transaction.

Bill type

ATO and super payments on any Amex card attract Sniip's tiered business rate (1.99% + GST at $0–99,999, dropping at higher tiers) — not the 1.29% personal rate. Visa/MC stays at 1.5% inc-GST. Full points still earned on ATO via Sniip.

Annual bill spend routed via platform

$5k $10k $25k $50k $100k

Card earns in

All results are normalised to this airline currency. Platform bonus points (Sniip Velocity, B2Bpay B2B Points) are converted 1:1 where the transfer partner exists.

Base card earn rate (points per $1)

0.5 1.0 1.25 2.25 Plat 3.0

What earn rate should I use?

How many points your card earns per $1 when the transaction is processed by a bill-payment platform (not the headline rate on retail spend). Some cards drop to a lower tier on bill / BPAY / government transactions — check your card's rewards T&Cs.

Typical Australian rates on bill platforms:

0.5	Basic Visa/MC, HSBC Platinum Qantas
0.75	Qantas Amex Discovery, ANZ/Westpac Qantas Black
1.0	Qantas Amex Premium, NAB Qantas Signature, Citi Prestige
1.25	Amex Explorer, Qantas Amex Ultimate
2.0	Amex Business Explorer, Velocity Business Flyer
2.25	Amex Platinum Charge, Velocity Platinum Business

Not sure? Divide the points you got on your last statement by the dollars you spent through Sniip / B2Bpay that same month. Or use the lower end — overstating this input makes platforms look better than they are.

Bonus points available (one-off)

One-off promotional bonus applied to your total (e.g. current Amex Sniip offer: 1,250 bonus pts per $250 spend, up to 3,750 total). Leave 0 if none apply.

Your value per point (cents)

1.0¢ 1.3¢ 1.5¢ 1.8¢ 2.2¢

What's a realistic point value?

How much you get per point when you actually redeem — not what the airline markets it at (~1¢). This is the most important input; it decides whether a platform's fee is worth the points.

Rough consensus values:

0.8–1.0¢	Cash-equivalent: Qantas Store, gift cards, fuel discount. The floor.
1.2–1.5¢	Domestic economy award flights, credit toward paid Qantas flights.
1.5–1.9¢	Domestic business or international economy award flights.
1.8–2.2¢	International business class on QF, VA or partners when award seats are available.
2.5–4¢+	First class / long-haul business. Hard to consistently achieve.

Quick rule of thumb: use the value of the redemption you'll most realistically take, not your aspirational one. If you mostly cash out for gift cards, use 1.0¢. If you fly domestic economy on points, use 1.3–1.5¢.

Card annual fee

Your card's annual fee (e.g. $395 for Amex Explorer, $1,450 for Amex Platinum Charge). Leave $0 if the fee is already offset by other card benefits, or you want to see pure platform economics.

Net points earned

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Cost per point

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Net value

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Platform comparison for your spend

Platform	Fee %	Fee $	Card pts	Platform bonus	QF total	CPP	Net value

Break-even fee % (fee = point value)—

Your best platform's fee—

Headroom (fee ceiling − platform fee)—

Net value across annual spend

Your card & spend

Card network

Amex earns more points but pays higher platform fees. Visa/MC is cheaper per transaction.

Bill type

Annual bill spend routed via platform

$5k $10k $25k $50k $100k

Card earns in

All results are normalised to this airline currency. Platform bonus points (Sniip Velocity, B2Bpay B2B Points) are converted 1:1 where the transfer partner exists.

Base card earn rate (points per $1)

0.5 1.0 1.25 2.25 Plat 3.0

What earn rate should I use?

Typical Australian rates on bill platforms:

0.5	Basic Visa/MC, HSBC Platinum Qantas
0.75	Qantas Amex Discovery, ANZ/Westpac Qantas Black
1.0	Qantas Amex Premium, NAB Qantas Signature, Citi Prestige
1.25	Amex Explorer, Qantas Amex Ultimate
2.0	Amex Business Explorer, Velocity Business Flyer
2.25	Amex Platinum Charge, Velocity Platinum Business

Bonus points available (one-off)

One-off promotional bonus applied to your total (e.g. current Amex Sniip offer: 1,250 bonus pts per $250 spend, up to 3,750 total). Leave 0 if none apply.

Your value per point (cents)

1.0¢ 1.3¢ 1.5¢ 1.8¢ 2.2¢

What's a realistic point value?

How much you get per point when you actually redeem — not what the airline markets it at (~1¢). This is the most important input; it decides whether a platform's fee is worth the points.

Rough consensus values:

0.8–1.0¢	Cash-equivalent: Qantas Store, gift cards, fuel discount. The floor.
1.2–1.5¢	Domestic economy award flights, credit toward paid Qantas flights.
1.5–1.9¢	Domestic business or international economy award flights.
1.8–2.2¢	International business class on QF, VA or partners when award seats are available.
2.5–4¢+	First class / long-haul business. Hard to consistently achieve.

Card annual fee

Your card's annual fee (e.g. $395 for Amex Explorer, $1,450 for Amex Platinum Charge). Leave $0 if the fee is already offset by other card benefits, or you want to see pure platform economics.