Utilities

Utilities — Spending thousands on electricity, gas, water or internet?

Most businesses spend thousands of dollars a year on utilities—electricity, gas, water, internet, phone systems, waste services and more. These are essential monthly expenses that usually get paid straight from your bank account… earning you nothing in return. With RewardPay, you can pay these same bills using your credit card, even if your utility provider only accepts bank transfers—and earn points on every payment.

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How it works

Payroll

Utilities

Whether you’re running a shop, office, factory, medical practice, construction company, restaurant, warehouse, farm, or anything in between—you likely have Utility expenses like electricity, gas, telephone, waste, local council and more. Every one of these purchases can earn valuable credit card reward points. Those points can quickly add up to business‑class flights for you and your family, simply by being smarter about how you pay for the things your business already needs.

For example

A business spending $150,000 a year on utilities could put this on an American Express Platinum Card.
At 2.25 Membership Rewards points per $1, that’s up to 337,500 MR points annually — enough for a return business‑class flights to Asia, all from expenses your business already pays.*

Estimated Membership Rewards Points

337,500

*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
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

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 for Utilities Costs with a Credit Card and Earn Points

Paying business expenses like utilities 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 RewardPay for Utilities and other business expenses?

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Unlock Significant Rewards Value

Every dollar you spend on your Utility costs and other business expenses is a dollar that could be earning you rewards points. Unlike paying direct from your bank account, where you receive nothing in return, using a credit card through RewardPay converts your business spend into points that can be redeemed for flights, hotel stays, gift cards and more. For a business paying $100,000 annually in combined utility, tax, rent and other business expenses, this could mean earning enough points for a return international business class flight—value that would otherwise be left on the table.

Improve Cashflow

Improve Cashflow

Credit cards provide a crucial buffer between when your bills are due and when you actually need to settle the payment. With up to 55 days interest-free (depending on your card's billing cycle), you can pay your everyday business payments while keeping your business or personal cash available for urgent expenses, taking advantage of investment opportunities, or waiting for customer invoices to be paid. This short-term financing is provided at no interest cost, unlike a traditional business loan or overdraft facility.

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Double up on Points. Unlock more Value

Go beyond your credit card rewards. With RewardPay, you can top up your Partner Points on every business payment you make. Choose to earn extra Qantas Points, Velocity Points, or ALL Accor Points—exactly when you need them—to secure a business or first‑class flight, or a luxury hotel stay for yourself, your family, or your team. You’re not limited to just one rewards partner. With RewardPay, you can boost points across all three programs with every eligible payment and truly maximise your rewards.

RewardPay helps you earn rewards on the essential utilities that keep your business running—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 utilities with your credit card

For businesses spending $1,000+ per month on Utilities, this can translate into tens of 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.

reward pay

Frequently asked questions:

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Yes. RewardPay supports business related utility payments including electricity, gas, water, phone and internet. Many utility providers do not accept credit cards, but with RewardPay you can pay by card and earn loyalty points in the process.

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).

 

From the RewardPay portal, go to the Payees menu and click Add Payee. Enter your utility provider’s ABN and either their Australian bank account number and BSB, or their BPAY biller code and reference number. Once saved, they will appear in your payee list for future bills.

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