How to pay rent using a credit card and earn points

Updated 20th August 2020


You may be able to use your credit card to pay rent and earn points, but the options come with some restrictions and extra costs. If you’re okay with these extra costs and other minor restrictions, then you could really stack up some extra points using your credit card.

These are your options for paying rent with your credit card in Australia.

If you got a new credit card recently and need to hit a spend threshold for the sign up bonus, you could use it to pay your rent and hit that target faster.

Direct payment to the real estate agent

Some real estate agencies accept credit card payments. This does not necessarily mean that agencies are set up to accept credit card payments online, but it means they accept it at the shop. It is worth a trip to your real estate agents to see if they accept credit card payments. If they do accept credit cards for rent, expect there to be a fee (which will vary) and for American Express credit cards usually being the more costly option.


Deft payment system is a digital platform that takes one-off payment by credit card without registration. If you register, you have the option of DEFT wallet that allows you to store multiple bank accounts and card numbers for fast, easy payments on the go.

The payment system is safe and secure with 256-bit encryption and SSL (Secure Socket Layer) security.

Payment fees:

  • Mastercard and Visa: 1.5%
  • American Express: 3.3%
  • Diners Club: 3.773%

Membership fees:

  • None

Rental Rewards

Rental Rewards is a website that allows tenants to pay rent to their real estate agent so long as the agency is a listed participant. You can even set up SMS or email reminders to have your rent paid or use the set & forget automatic deduction arrangement.

Payment fees:

  • Set-up fee: $1.51
  • Mastercard and Visa fee: 1.45%
  • American Express and Diners Club: 2.65%

Membership fees:

  • Set-up fee: $1.51
  • Ongoing membership fee: $5 / month
  • Card payment convenience fee: 1.1% of transaction value
  • Card transaction fee: $2 per transaction (in addition to the convenience fee)
  • Premium and corporate card fee: $10 per transaction over $499.99 (only some cards attract this fee)

Note: Card payments over $2,999.99 will attract a lower fee of 1.76%.


This mobile app simplifies bill splitting. According to their website, “whether it’s rent, bills or splitting shared expenses with housemates, easyshare collects everyone’s share and pays the total for you”. Each user can choose from both direct debit or credit options for their payment.

Payment fees:

  • Bank transfers: 1.5%
  • Mastercard and Visa: 1.5%
  • American Express: 2.5%

Membership fees:

  • None

For credit card or debit card payments, there is also a one-off charge of $0.01 to verify the card. Other potential costs include a $35 chargeback fee if you request a chargeback and a $15 account reactivation fee if easyshare deactivate your account for any reason.


RentPay partners directly with real estate agents to offer you direct debit payments through bank transfers and credit card. They offer a number of different payment options including online, phone, autopay, or cash at Australia Post.

Payment fees:

  • Mastercard and Visa: 1.25%
  • American Express: 2.5%

Membership fees:

  • Ongoing membership fee: $3 / month


This service exists solely for rental payment collections. In order to use it, landlords must be signed up for the service. It gives tenants a choice of payment options, one of which being a credit card. Tenants can pay on a one-off or recurring basis.

Payment fees:

  • Any card: 2.2%

Membership fees:

  • None


With Sniip's app—available on iOS and Android— you can add your credit cards and debit cards to your account and use them to fund payment of DEFT rent bills as well as BPAY bills for utilities, insurance, rates, tax, etc. The app even scans the BPAY reference number, so you don't have to type that in manually.

Users can pay both personal and business bills with a credit card, allowing them to maximise their points earning.

Payment fees:

  • Debit card: None
  • Mastercard and Visa: 1.5%
  • Mastercard and Visa International: 3%
  • American Express: 2.2%

Membership fees:

  • None

Pros & cons

Paying your rent using a credit card does have some benefits, but there are downsides to be aware of too. Let's take a closer look.


  • You're paying rent anyway, so earning points means it isn't totally dead money.
  • Paying with a card on time could help establish or build your credit worthiness since it would be reported to the credit bureaus, whereas paying in cash or with a bank transfer wouldn't.
  • Hit the spend target for a credit card sign up bonus faster, without having to buy extra "stuff" you don't need.
  • Membership fees are very low.


  • Earnings points is great, but it comes at a cost since there is a processing fee applied.
  • If you put your rent on your credit card and don't pay it off in full each month, you'll be charged interest at the purchase rate.
  • A late credit card repayment will be reported to the credit bureaus, which may damage your credit score.
  • Monthly membership fees are commonplace, adding to the cost.

Want to earn points on your rent, but don't have a credit card for it? Compare credit cards with rewards programs here.

An example

If your rent is $2,500 per month and you use a Mastercard or Visa credit card that earns 1 Qantas point per $1 via RentPay (because their processing fee is the lowest), then after a year you would have earned 30,000 Qantas points at a cost of $375. Therefore, you are buying each point at a cost of $0.0125. You could redeem those points for a one-way economy flight from Brisbane to Hong Kong. After just under two years, you would have enough for a one-way economy flight from Sydney to London.

Is it worth the cost?

By paying your rent using a credit card, you are effectively purchasing points since these services all charge a fee to process your payment. Whether or not that is a cost worth paying comes down to you.