Pay Your Superannuation with RewardPay: Turn Obligations into Rewards

RewardPay transforms your mandatory superannuation payments into valuable rewards while helping you navigate new Payday Super requirements. By enabling credit card payments for your 12% super guarantee obligations, you can earn thousands of points on every payroll cycle while maintaining the cash flow flexibility to meet the new requirement of paying super alongside wages from July 1, 2026—with contributions reaching employee super funds accounts within 7 days.

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Why use a Credit Card for Superannuation?

Payroll

Pay Superannuation Expenses

Paying Superannuation with your credit card can improve cash flow by giving you extra days before the funds leave your account. At the same time, you earn valuable reward points on every payment—turning normal business expenses into additional benefits for the company.

For example

Pay $30,000 a month in Superannuation on an American Express Explorer Card, and you’re spending $360,000 a year.
At 2 Membership Rewards points per $1, that earns around 60,000 MR points per month — or 720,000 MR points annually.
That’s enough for a return business‑class flights to Europe, or multiple business‑class trips to Asia, just by paying Super you already owe.*

Estimated Annual American Express MR Points* After 12 Months

720,000

*Estimated points are illustrative only and correct at time of writing. Actual points earned may vary depending on your Card type, eligible spend, and American Express terms and conditions. Flight redemption estimates are indicative only and subject to airline rewards pricing and availability.

Europe
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Europe

Return Business Class Classic Rewards

320,000 Qantas Points

Los Angles
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Los Angeles

Return Business Class Partner Reward Seat

204,000 Velocity Points

France
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Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward Points

Tokyo
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Tokyo

Return Business Class Partner Flight Reward

164,000 Velocity Points

Europe
Quantas Logo

Europe

Return Business Class Classic Rewards

320,000 Qantas Points

Los Angles
virgin

Los Angeles

Return Business Class Partner Reward Seat

204,000 Velocity Points

France
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward Points

Tokyo
virgin

Tokyo

Return Business Class Partner Flight Reward

164,000 Velocity Points

How to Pay Superannuation Expenses with a Credit Card and Earn Points

Paying superannuation with your credit card via RewardPay will allow you to earn points on necessary spend.

Step 01

Add your payment information as detailed on your invoice

Step 02

Select your payment method (Amex, Mastercard, Visa, Pay by Bank)

Step 03

RewardPay pays the supplier on your behalf

Step 04

Your credit card is charged, earning points

Step 05

Receive confirmation and remittance for your accounting records

Step 01

Add your payment information as detailed on your invoice

Step 02

Select your payment method (Amex, Mastercard, Visa, Pay by Bank)

Step 03

RewardPay pays the supplier on your behalf

Step 04

Your credit card is charged, earning points

Step 05

Receive confirmation and remittance for your accounting records

Pay using RewardPay now

Why Use a Credit Card for Superannuation and Other Business Expenses?

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Adhere to New Payday Super Requirements

From July 1, 2026, Australian employers must pay superannuation with every payroll cycle instead of quarterly, with funds reaching employee accounts within 7 business days of payday—eliminating the three-month cash buffer many businesses have relied on. RewardPay gives you up to 55 days of interest-free credit to manage this transition, allowing you to pay super on time alongside wages while preserving working capital for other critical expenses like stock, suppliers, and unexpected costs.

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Earn Rewards on Mandatory Payroll Expenses

With the super guarantee now at 12%, your super obligations represent substantial annual expenditure that traditionally earns nothing. A business with 10 employees on $70,000 salaries pays $84,000 annually in super—using RewardPay converts these mandatory payments into valuable rewards points worth flights, accommodation, or cashback, effectively creating tangible value from an unavoidable business cost.

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Avoid Costly Penalties and Compliance Issues

Missing super deadlines triggers the Super Guarantee Charge—including the unpaid amount, 10% interest, and $20 admin fee per employee (none of which are tax-deductible). RewardPay helps you meet the new 7-day payment window on time every payroll cycle, protecting your business from penalties that far exceed the small service fee while maintaining compliance with ATO requirements and Single Touch Payroll reporting.

RewardPay helps business owners pay superannuation and other business bills and earn rewards – so you get something back for your hard work.

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Platform & Processing Considerations

  • Fees

    Typically 1.25%–2.15% depending on card type

  • Compliance

    RewardPay is regulated and provides full audit trails

  • Eligibility

    Invoice must be legitimate and payable to an ABN-registered supplier

  • Payment Speed

    Typically next business day, depending on cut-off times

RewardPay offers flexible payment options

Choose RewardPay Pricing that fits your business

Pick a plan to unlock better rates and earn more points on every payment.

Free

$0/month

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Platform Fees

  • AMEX fee from 2.15%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%†

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Silver

$79/month*

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Platform Fees

  • AMEX fee from 2.05%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%†

Learn more

Gold

$159/month*

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Platform Fees

  • AMEX fee from 1.90%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%†

Learn more

RewardPay processing rates may be tax deductible for businesses - please consult your accountant • *Quarterly billing in advance • No early exit • Cancel anytime, access until current quarter ends • ^First 30 days free – new sign-ups only • †Minimum rate based on loyalty partner selected at checkout

Add on rewards partner points*

quantasQantas Points1 point per $4(0.50% + GST)1 point per $2(0.99% + GST)1 point per $1(1.80% + GST)2 points per $1(3.6% + GST)
virginVelocity Points1 point per $4(0.50% + GST)1 point per $2(0.99% + GST)1 point per $1(1.80% + GST)2 points per $1(3.6% + GST)
allALL Accor Reward Points1 point per $2(1.80% + GST)1 point per $1(3.60% + GST)
Luxury EscapesLuxury Escapes Société Points 3 points per $1(1.64% + GST)6 points per $1(3.28% + GST)

*T&Cs Apply

Why RewardPay?

RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.

Celebrating 10 Years
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Long‑standing,
Proven Partnership

A decade‑long partnership with American Express, now operating across both Australia and New Zealand.

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Trusted by Leading Global Payment and Loyalty Brands

RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Visa , Mastercard, Qantas, Virgin, Accor and Luxury Escapes.

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Secure, Bank‑Grade
Payment Infrastructure

RewardPay processes millions of dollars in business payments every month through a PCI‑compliant, encrypted platform, ensuring safe, fast, fraud‑resistant transactions for businesses of all sizes.

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Payment solution built for small business, best in class, local support team

RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with an Australian based support team always ready to help.

Rewards You Can Earn by Paying Super and Other Tax Obligations with Your Credit Card

For businesses spending $50,000+ per annum on Superannuation or other tax obligations, this can translate into thousands of dollars in annual value.

Flights

Redeem points for flights with loyalty partners including Qantas Business Rewards and Virgin Australia Business Flyer

Hotels

Redeem points on hotel stays with loyalty partners including ALL Accor, Luxury Escapes, Qantas Business Rewards and Virgin Australia Business Flyer

Gifts

Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts

Merchandise

Upgrade your home, office or both using rewards earned from business payments made through RewardPay.

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Frequently asked questions:

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Yes. RewardPay supports superannuation payments. You pay your superannuation clearing house (not individual super funds directly). You will need their ABN, BSB, bank account number and relevant EFT reference. The clearing house then distributes funds to individual super funds on your behalf.

 

Payments finalised on the RewardPay portal by 5pm AEST/AEDT on a business day will be paid out the next business day, and may not appear in the clearing house’s account until the following business day. We strongly recommend submitting at least 3-4 business days before the due date.

 

Yes. All payment methods are eligible to earn loyalty points. Amex payments earn your card’s standard Membership Rewards points, while Visa and Mastercard payments earn your card’s standard rewards points. On any payment method, you can also opt in to earn additional rewards with one of our loyalty partners by selecting your preferred earn tier at checkout (additional fees apply).

Rewarding Australian businesses every day

Trusted by 10,000+ business owners
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peoples

We pay all of it on the Amex card, so you’re getting a reward back by getting the points

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Nelly

Hospitality

I can pay any of my suppliers even the ones that don’t accept American Express.

Dave

Property

Through using rewardpay, I’ve earned about 3 million points

Luciano
Luciano

Manufacturing

The main reason for using RewardPay is for cashflow, points are just the perk.

Antonio Macri
Antonio

Construction