Eligible transactions that earn rewards

Ask Miles: What are the eligible transactions to earn rewards on credit cards?

What are the eligible transactions to earn rewards on credit cards?


Most everyday transactions such as groceries, petrol, dining and movie tickets made with a rewards card are eligible to earn points. Online and in-store purchases made with your credit card will add to your rewards balance.

Most transactions will earn between 1-3 points, per dollar spent, depending on the card you have. For a complete range of credit cards with the rewards that will suit you view our rewards cards here.

Want to boost your points quickly? Book your domestic or overseas travel with your credit card to earn a large number of points in one transaction. Prefer the slower, consistent and continuous earning of points? Use your credit card to pay for your utility bills, internet account and phone bill.

There are a number of different rewards options you can choose from. If its Frequent Flyer points you are after the Qantas Premier Platinum Credit Card gives you the opportunity to earn up to 8 points per dollar spent when you shop at Qantas Mall. While the exclusive  American Express Westpac Altitude Black Credit Card Bundle allows you to earn up to 5 Altitude points per $1 spent on eligible overseas purchases. Altitude points can be used for domestic travel, gifts (like birthdays) or branded appliances. 

For a more detailed outline of the individual, eligible transactions have a read of our guide.

While most transactions are eligible there is a number that are not eligible to earn points and these include transactions such as cash advances, gambling transactions, government charges (such as ATO payments), bank fees, and BPAY payments.

It will vary between issuers so if you’re hoping to earn reward points on ATO payments or BPAY, it’s worth checking first to see what cards or banks have these features. Check out our guide to the best cards to have in your wallet when paying your tax bill. 

For BPAY payments specifically, here is a list of who does and doesn’t count BPAY as eligible transactions in the case of earning rewards:


  • American Express

  • ANZ

  • NAB


  • St George

  • CommBank

  • Citi

  • Virgin Money

  • Westpac

It’s also worth checking if a bank has the BPAY facility for payments. 

Check out all the available options here.

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This credit card offer is subject to change and may not be directly related to the content of this article.


The products, banks and companies mentioned in this Ask Miles question and answer were correct at the time of publishing. The information published is general advice only and should not be taken as specific personal finance advice.