RewardPay unlocks your Amex for more payments — even when suppliers won’t accept it. Put BAS, rent, media spend, and supplier bills on your card to earn points, gain up to 55 days interest‑free, and improve cash flow — turning everyday business spend into real rewards, not missed value.
Get StartedBusiness owners who love Amex know the value it delivers—exceptional points earn rates, premium travel rewards, strong cash‑flow benefits, and flexible redemption options. But Amex isn’t accepted everywhere, and many essential business expenses (ATO, BAS, rent, everyday suppliers, contractors) normally earn reduced or zero points. Example: Make a $100,000 BAS payment using your Amex Business Platinum card with RewardPay and get up to 2.25 points per $1 or 225,000 points. Transfer those points to Qantas or Velocity and you’re looking at a return business‑class flight to Asia, or a one‑way business‑class flight to Europe or the US — all from a tax payment your business already has to make.
Earn up to 2.25 Membership Rewards points per dollar on business expenses, including government and utility payments.
Unlock Amex acceptance at suppliers who normally cannot take credit card payments.
Maximise cash flow with extended interest‑free periods.
Leverage premium Amex travel benefits and high‑value redemption opportunities.
With RewardPay you can use your Amex for most weekly business payments and earn up to 2.25 points per $1 spend.
Apply now
Free, quick and easy to sign up. You just need your ABN
Step 01
By selecting or adding the suppliers you wish to pay.
Step 02
You can make one off, bulk or future dated payments with your American Express card
Step 03
Transfer payments to your suppliers by EFT or BPAY seamlessly
Step 04RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.
A decade‑long partnership with American Express, now operating across both Australia and New Zealand.
RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Visa , Mastercard, Qantas, Virgin, Accor and Luxury Escapes.
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.
RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with an Australian based support team always ready to help.
American Express Platinum Card2.25 MR points per $1 on eligible spend (one of the highest in Australia)
Transfer points to use on gift cards, travel or to pay off eligible purchases.
Highest MR earn rate → maximises points on ATO, suppliers, rent etc.
Huge lifestyle perks (lounges, travel credit).
American Express® Qantas Business Rewards Card
*$6k min spend in first 3 months. Offer ends 1 September 2026. New Amex Card Members only. Apply using the link on this page. T&Cs apply.
American Express® Platinum Business Card
*Offer ends 3 November 2026. Min spend $12k in first 3 months. New Amex Card Members only. Apply using the link on this page. T&Cs apply.
American Express® Business Gold Plus Card
*Offer ends 3 November 2026. Min spend $5k in first 3 months. T&Cs apply. New Amex Card Members only. Apply using the link on this page.
American Express® Velocity Business Card
*$6k min spend in first 3 months. Offer ends 1 September 2026. New Amex Card Members only. Apply using the link on this page. T&Cs apply.
AMEX fee from 2.15%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 2.05%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 1.90%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
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
 Qantas Points | 1 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) |
 Velocity Points | 1 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) |
 ALL Accor Reward Points | 1 point per $2(1.80% + GST) | 1 point per $1(3.60% + GST) | ||
 Luxury Escapes Société Points | 3 points per $1(1.64% + GST) | 6 points per $1(3.28% + GST) |
| No. RewardPay is a payment platform, not a card issuer. To get an American Express card, visit americanexpress.com/au. Once you have an Australian-issued Amex card, you can add it to your RewardPay wallet and start earning Membership Rewards points on all your business payments. |
Amex transaction rates (ex GST) vary by subscription tier and individual payment size, with higher volume payments attracting lower rates. The Free tier starts from 2.15%, Silver ($79/month) from 2.05%, and Gold ($159/month) from 1.90%. Note that discounts apply to individual supplier payments only. See our full pricing breakdown for the complete rate schedule.
| Yes. When you pay via your American Express card through RewardPay, you earn the Membership Rewards points associated with your card on every dollar spent – just as you would on any other Amex purchase. You can also optionally earn Qantas Points, Velocity Points, Accor points, Airpoints or Luxury Escapes credits on top by selecting your preferred earn tier when creating a payment (additional fees apply). |
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