Credit Cards For ATO Payments

Compare credit cards that earn rewards points when paying the Australian Tax Office.

Bill Ryan Natividad avatar
Written by   |  
Vidhu Bajaj avatar
Edited by   |  
David Boyd avatar
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Updated 3 Apr 2025   |   Rates updated regularly

Comparing of 14 credit cards for ATO payments

FeaturedApply by 30 April 2025

Rewards program

Velocity Frequent Flyer

Points per $1 spent

1 Velocity Point

Sign up bonus

170,000 Velocity Points

Annual fee

$249.00 p.a. ongoing

Details

  • Earn up to 200,000 bonus Velocity Points. Get 170,000 Bonus Velocity Points when you apply online, are approved, and spend at least $5,000 within 2 months of approval. Plus, earn 30,000 bonus Velocity Points when you activate your offer on VelocityFrequentFlyer.com. The offer is valid for New American Express Card Members exclusively.
  • Earn 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Get 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros & cons

Pros
  • Receive up to 200,000 bonus Velocity Points when you meet the criteria.
  • A charge card that has no pre-set spending limit.
  • You have up to 51 days to pay for purchases.
  • Add up to 99 employee cards.
  • Use your points to pay off transactions, utilities, annual fees, etc.
  • Redeem your Velocity Points to upgrade flights, book hotel reservations, and car rentals.
  • There is no limit to the amount of points you can earn.
  • Set up monthly points transfer to your Velocity account.
  • Option to pay off a portion of your balance.
  • With the Amex App, you can monitor business spending and activity 24x7.
Cons
  • The annual fee of $249 p.a.
  • Each employee card costs $99 p.a.

Rewards program

Membership Rewards

Points per $1 spent

2 Membership Rewards Points

Sign up bonus

50,000 Membership Rewards Points

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive complimentary travel insurance when you book your return flight with your card.

Pros & cons

Pros
  • Earn up to 2 points per $1 spent on eligible purchases.
  • Earn 1 point per $1 spend on ATO and government transactions.
  • Use your points to pay off transactions, utilities, annual fee and more.
  • Redeem your rewards for flights, hotel reservations, or car rentals.
  • Transfer points to Virgin Australia, Air New Zealand and Hilton Honors.
  • Shop with your points at Apple, Ikea, JB Hi-Fi and more.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.
  • With the Amex App, you can Monitor business spend and activity 24x7.
  • Manage your account anytime and anywhere with Live Chat Service
Cons
  • There is an annual fee of $149.
  • A 3% foreign transaction fee is in effect.
  • There is no balance transfer offer.
  • Cash advances are blocked, which might be inconvenient for some.
Apply by 17 June 2025

Rewards program

Membership Rewards

Points per $1 spent

1.50 Membership Rewards Points

Sign up bonus

100,000 Membership Rewards Points

Annual fee

$395.00 p.a. ongoing

Details

  • Receive 100,000 Membership Rewards bonus points by applying before 17 June 2025, getting approved, and spending $5,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Receive up to $550 credit back for spend with Xero, Google Ads, Meta, Amazon Web Services and Dell. Terms and Conditions apply.
  • Earn 3 points per $1 spent on Xero, Google Ads, Meta, Amazon Web Services and Dell, up to 2 points per $1 spent on AccessLine, 1.5 points per $1 spent on everyday spend, and 1 point on government spend.

Pros & cons

Pros
  • Receive 100,000 bonus Membership Reward points when you meet the criteria.
  • Earn unlimited points with no cap, and your points never expire.
  • Membership Rewards points can be transferred to airline and hotel partners, including Virgin Australia, Air New Zealand, and Hilton Honors.
  • You can also redeem your points for gift cards from top retailers like Apple, IKEA, JB Hi-Fi, and more.
  • Add 2 employee cards at no extra cost.
  • Experience enhanced flexibility with no pre-set spending limit.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Travel worry-free with complimentary domestic and international travel insurance, covering trip cancellations, delays, lost baggage, medical emergencies, and more.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Once a total of 200,000 points is earned in a calendar year, the everyday business earn rate will change from 3 to 1 point per $1 spent.
  • The $75 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
Apply by 27 May 2025

Rewards program

Membership Rewards

Points per $1 spent

2.25 Membership Rewards Points

Sign up bonus

250,000 Membership Rewards Points

Annual fee

$875.00 for 1st year

Details

  • Get 250,000 bonus Membership Rewards points by applying before 27 May 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 250,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
Apply by 8 April 2025

Rewards program

Qantas Business Rewards

Points per $1 spent

1.25 Qantas Points

Sign up bonus

170,000 Qantas Points

Annual fee

$450.00 p.a. ongoing

Details

  • Get 170,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 8 April 2025, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.

Pros & cons

Pros
  • Earn 170,000 bonus Qantas Points when you meet the criteria.
  • Includes Complimentary Travel Insurance with coverage for Medical Emergency Expenses, Business Trip Completion, Trip Cancellation and Amendment, and Personal Liability.
  • Two complimentary passes for the Qantas Club lounge every year.
  • Complimentary Qantas Business Rewards membership. Earn Qantas Points for your business with American Express and other partners while saving up to 10% on eligible Qantas flights.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.

Cons
  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
NAB Qantas Business Signature Credit Card

Not available for application via this website

Rewards program

Qantas Business Rewards

Points per $1 spent

0.67 Qantas Points

Sign up bonus

200,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Get 200,000 bonus Qantas Points when you spend at least $4,000 on eligible business purchases within 60 days. Terms and Conditions apply.
  • Earn 0.67 Qantas Points per $1 spent.
  • Earn 1 bonus point for every dollar spent on eligible Qantas services
  • It comes with free Qantas Business Rewards membership, saving you $89.50 upfront.

Pros & cons

Pros
  • The spend requirement is reasonable given the value of the sign-up bonus you'll receive.
  • With Qantas Business Rewards you can save up to 10% on selected flight fares. Plus earn Qantas Points on flights, hotels, fuel, and more with 50+ business partners.
  • Add and manage multiple employee credit cards under one facility for streamlined tracking and control.
  • Comes with access to Visa's global concierge service.
  • Includes complimentary Unauthorised Transaction Insurance and Transit Accident Insurance, offering extra protection on your purchases and travel.
  • The credit limit starts at $5,000, providing businesses with a manageable option to control expenses effectively
  • Supports most digital wallets, including Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and Samsung Pay.
Cons
  • Does not include complimentary International Travel Insurance.
  • Points are capped at $50,000 per card per statement period.
NAB Rewards Business Signature Credit Card

Not available for application via this website

NAB Rewards Business Signature Credit Card

4.6

Rewards program

NAB Rewards

Points per $1 spent

1.25 NAB Rewards Points

Sign up bonus

200,000 NAB Rewards Points

Annual fee

$175.00 p.a. ongoing

Details

  • Receive 200,000 NAB Rewards Points upon spending $4,000 on everyday purchases within 60 days.
  • Triple the earning rate on overseas spending or purchases made at overseas stores and suppliers from Australia.
  • Double the earn rate on purchases made at partner departments and hardware stores.

Pros & cons

Pros
  • Receive a generous 200,000 bonus NAB Rewards Points when you spend $4,000 on everyday business purchases within 60 days of opening your account.
  • Earn 1.25 NAB Rewards Points per $1 spent on eligible everyday business purchases, with no cap.
  • ATO payments earn NAB Rewards Points at the same rate as everyday purchases.
  • NAB Rewards Points can be transferred to several other airline rewards programs, making it easier to find an awards seat.
  • Up to 44 interest-free days on purchases, giving you more flexibility and breathing room with your business expenses.
  • Complimentary NAB Commercial Cards Unauthorised Transaction Insurance and NAB Commercial Cards Transit Accident Insurance.
  • Works with major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Additional cardholders don't come cheap.
  • Lacks complimentary international travel insurance.
  • No complimentary airline lounge passes.
Westpac Altitude Business Platinum Credit Card

Not available for application via this website

Rewards program

Altitude Rewards

Points per $1 spent

1 Altitude Rewards point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 2 Altitude Points with overseas transactions, 1 point with local merchants, and 0.5 points on government payments, offering tailored rewards based on your spending.
  • No cap on how many points can be earned from eligible spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros & cons

Pros
  • Add 1 additional cardholder at no extra cost.
  • Offers a credit limit from $20,000 to $150,000, providing flexibility to support your personal or business needs.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • No sign-up bonus offer at the moment.
  • After the initial year, you will be charged a $200 p.a. annual fee.
  • Allows only 1 additional cardholder, which may suit smaller households or businesses.
Westpac Altitude Business Gold Mastercard

Not available for application via this website

Rewards program

Altitude Rewards

Points per $1 spent

1 Altitude Rewards point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn 1 Altitude Point on eligible overseas and local transactions, then 0.5 points on government payments, offering tailored rewards based on your spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros & cons

Pros
  • $0 annual fee in the first year, saving you $150 upfront.
  • Add 1 additional cardholder at no extra cost.
  • Offers 4.99% p.a. for 12 months on balance transfers, with no BT fee, making it easier to manage debt.
  • Get a credit limit from $1,000 to $80,000, providing flexibility to support your personal or business needs.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 3% fee if you use your card overseas.
  • Points are capped at 20,000 per statement cycle, which is ideal for moderate spenders.
Westpac BusinessChoice Rewards Platinum Mastercard

Not available for application via this website

Rewards program

Qantas Business Rewards

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$150.00 p.a. ongoing

Details

  • Receive 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply
  • Includes a Personal Concierge Service, handy for booking travel or making reservations.
  • Comes with complimentary travel, purchase, and business insurance for added protection.
  • The one-off joining fee for the Qantas Business Rewards program is waived, saving you $89.50.

Pros & cons

Pros
  • Get 50,000 bonus Qantas Points when you meet the criteria.
  • Earn 0.75 Qantas Points for every $1.50 spent on eligible business purchases, and 0.50 Qantas Points for every $1.50 spent on government payments.
  • Add up to 99 cards to your account, each with individual credit limits starting at $1,000, tailored to your business needs.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Tap your Mastercard for payments of $100 or less.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The $150 p.a. annual fee per card.
  • High-interest rate of 20.24% p.a. on purchases.
  • Points on eligible transactions are capped at 100,000 Qantas Points per month, which may be limiting for some.
ANZ Qantas Business Rewards Credit Card

Not available for application via this website

Rewards program

Qantas Business Rewards

Points per $1 spent

0.75 Qantas Points

Sign up bonus

100,000 Qantas Points

Annual fee

$300.00 p.a. ongoing

Details

  • Earn up to 150,000 bonus Qantas Points. Earn 100,000 Qantas Points points when you spend $6,000 in the first 3 months, plus 50,000 bonus Qantas Points when you keep the card for 15 months.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros & cons

Pros
  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.
Cons
  • The card's ongoing annual fee is $300 p.a.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.
ANZ Business Black Credit Card

Not available for application via this website

Rewards program

ANZ Business Rewards

Points per $1 spent

1.50 ANZ Business Rewards Points

Sign up bonus

100,000 ANZ Business Rewards Points

Annual fee

$300.00 p.a. ongoing

Details

  • Earn up to 150,000 extra Business Reward Points. Earn 100,000 points when you spend $6,000 in the first 3 months, plus 50,000 more when you keep the card for 15 months.
  • Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
  • Receive complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

Pros & cons

Pros
  • Substantial sign-up bonus for new qualifying customers.
  • Earn 1 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points (at a reduced rate).
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has extended warranty, fraud protection, purchase protection insurance, and transport accident insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.
Cons
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory offer on purchases and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $10,000 spent per statement period.
Commonwealth Bank Business Platinum Awards Credit Card

Not available for application via this website

Rewards program

CommBank Awards

Points per $1 spent

1 CommBank Awards point

Sign up bonus

N/A

Annual fee

$300.00 p.a. ongoing

Details

  • Opt for either CommBank Awards points or Qantas Points (an annual fee of $30 applies).
  • Earn 1 Awards Point or 0.4 Qantas Points per dollar spent with your CommBank Awards Mastercard.
  • Get access to a unique collection of entertainment experiences and offers exclusively for Mastercard.

Pros & cons

Pros
  • Earn up to 300,000 points a year. Terms and Conditions apply.
  • Transfer your earned points to other travel programs.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance.
Cons
  • High annual fee.
  • The additional cardholder fee is $75.

Commonwealth Bank Business Awards Credit Card

Not available for application via this website

Rewards program

CommBank Awards

Points per $1 spent

1 CommBank Awards point

Sign up bonus

N/A

Annual fee

$100.00 p.a. ongoing

Details

  • Select between earning CommBank Awards points or opting for Qantas Points with a $30 annual fee. Terms and Conditions apply.
  • Enjoy up to 55 days interest-free on purchases.
  • Accrue 1 Awards point for every dollar spent using your Awards Mastercard.

Pros & cons

Pros
  • Get access to a unique collection of entertainment experiences through Priceless Sydney and Mastercard Privileges.
  • 24/7 emergency assistance overseas.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance.
Cons
  • The additional cardholder fee is $75.

Although it might seem unusual, having a category for suitable credit cards for tax payments is important. Many individuals and businesses need to make payments to the ATO, which charges a fee for using credit cards. This guide will help you minimise those fees and understand how to earn points on tax payments using a credit card.

Many rewards and frequent flyer credit cards exclude ATO payments from earning points or only allow points to be earned at a very low rate (often half the rate for standard purchases or less).

Paying the ATO directly using a credit card

If your credit card allows points to be earned on ATO payments, you can earn rewards and frequent flyer points when paying your ATO bill, whether for personal or business income tax, PAYG, BAS payments, or a HECS debt.

There are two ways to pay the ATO directly with a credit card: EasyPay and through your MyGov account.

EasyPay

The ATO website offers EasyPay, which allows you to pay your tax bill using a credit card. This option is available to all taxpayers, including businesses. You need to provide your EFT (electronic funds transfer) code or PRN (payment reference number) and your credit card details. The minimum payment amount is $10, and the maximum is $20 million. Depending on your card’s policies, you might earn no points, or points at a reduced rate, for these payments. The transaction surcharge is 0.73% for Mastercard, 0.78% for Visa, and 1.45% for American Express.

MyGov

Individuals and sole traders can pay the ATO via MyGov. Log in to your MyGov account, select the ATO option, and follow the prompts to enter your credit card details and payment amount. The same disadvantages apply as with EasyPay – zero points or reduced points earning, plus the credit card surcharges.

Paying the ATO with a credit card and a payment processor

If your credit card does not earn points for ATO payments, you can use a payment processor. These services act as intermediaries: you pay them with your card, and they pay the ATO on your behalf, which earns you points at the full rate. However, there is a fee for this service.

Popular payment processors include RewardPay and B2Bpay, along with others like Pay.com.au, Sniip, and YakPay. Fees vary by service and card type, with higher fees for American Express compared to Mastercard and Visa.

RewardPay

RewardPay is a business-to-business payment service that allows businesses to earn points using an American Express card. Both the payer and payee need an ABN, making it suitable for sole traders and small businesses. RewardPay charges a 2.15% fee (including GST) for transactions up to $20,000, with a lower fee for larger payments. This fee is generally tax-deductible.

The benefits include avoiding the ATO’s surcharge and earning points at the normal transaction rate rather than the reduced government rate.

B2Bpay

B2Bpay also facilitates ATO payments on behalf of businesses. Fees start at 1.2% for standard Visa or Mastercard, 1.55% for premium cards, 2.2% for American Express, and 2.4% for Diners Club. B2Bpay accepts all major credit cards and offers additional Qantas Points (1.0 Qantas Point per $100 paid to the ATO).

Paying the ATO using a credit card and BPAY

Banks usually classify BPAY credit card payments as cash advances, incurring higher interest rates and fees with no points earned. If you choose this method, ensure you are aware of these costs.

Is it worth using credit cards to earn rewards on tax payments?

Evaluate the value of rewards points versus the cost of surcharges. Most reward points are worth around 0.5 cents each for retail vouchers, while frequent flyer points are typically worth at least 1.3 cents each for long-haul flights.

If the surcharge cost exceeds the value of points earned, it may be better to pay via BPAY, bank transfer, or debit card. For B2Bpay, additional Qantas points can offset the surcharge cost.

Ensure your card’s monthly or annual points cap isn’t exceeded by the payment to avoid reduced points earning.

How to pay the ATO and avoid a surcharge

Using a credit card is not compulsory. Cheaper alternatives include online bank transfers, BPAY, or debit cards, all with minimal or no surcharges, but without earning rewards points.

For detailed advice, consult your accountant or tax adviser.

Help choosing a credit card for ATO Payments

Simplify tax season with the perfect credit card for ATO payments - earn rewards while managing your taxes effortlessly.

  • Pros & cons

Pros

Earn points when paying tax

Credit card rewards programs let you earn points when paying taxes, providing an incentive for using your card.

Improve cash flow with your card’s interest-free period

Utilize the interest-free period on your card to pay taxes, improving cash flow by deferring payment without accruing interest.

Avoid fines or interest for late payment

Paying taxes with a credit card ensures immediate processing, helping you avoid fines or interest charges for late payment.

Credit card fees and surcharges may be tax-deductible

Depending on your situation, fees and surcharges from tax payments made with a credit card could be tax-deductible.

Cons

Reduced points earning rate for direct ATO payments

Points earned may be reduced when paying taxes directly to the ATO with a credit card.

Fees for credit card payments can be avoided with other methods

Other payment methods like direct debit or BPAY may avoid credit card processing fees.

Payment processor fees add to costs

Besides credit card fees, payment processor fees can increase the overall cost of using a credit card for tax payments.

Interest charges if the balance isn’t cleared

Failing to clear the balance by the due date can result in interest charges, nullifying potential benefits.

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