How to pay a speeding fine with a credit card

By   |   Verified by David Boyd   |   Updated 4th March 2022

Getting fined for speeding is bad enough. Paying for it is even worse.

You can spread the cost of a speeding fine by paying for it using a credit card. Scroll down to find out more about how it works and what it costs.

Can you pay a speeding fine with a credit card?

You can pay for a speeding fine with a credit card in every state and territory of Australia. However, American Express cards are not universally accepted.

Depending on the authority you are paying, there may be a processing fee for credit card payments.

StateAccepted credit card types
ACTMastercard, Visa
NSWAmerican Express, Mastercard, Visa
NTMastercard, Visa
QLDAmerican Express, Mastercard, Visa
SAMastercard, Visa
VICMastercard, Visa
TASMastercard, Visa
WAMastercard, Visa

A credit card processing fee may apply.

Fees

Since they vary between states, check what fees may apply when using a credit card to pay for a speeding fine.

  • A processing fee for credit card payments may be charged in some states.
  • Your credit card will classify it as a purchase, which will incur the standard ongoing purchase rate if carried over into the next statement period.
  • If you want to pay via BPAY with a credit card, check that your bank will not classify this as a cash advance. This would mean immediately incurring interest at the cash advance rate on the transaction and a cash advance fee.

Keep in mind

  • Every state accepts Mastercard and Visa credit cards.
  • American Express is not accepted universally.
  • You may be able to earn points when paying a speeding or parking fine, but not every card earns points on government spend.