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Can You Pay BPAY with a Credit Card?
July 1, 2025
Quick Answer
Yes, you can pay BPAY with a credit card, but this is subject to the biller's acceptance and your bank's classification of the payment.
Should You Pay Bpay With A Credit Card?
Deciding whether to use a credit card for Bpay involves weighing the potential advantages.
Benefits
- Earn rewards: You can accumulate credit card points, frequent flyer miles, or cashback on your bill payments.
- Improve cash flow: Utilise your card's interest-free days to manage your budget and pay bills later.
- Streamline payments: Consolidate multiple bills into a single monthly credit card statement for easier tracking.
Costs
- Surcharges: Many billers impose a processing fee for credit card payments, which can offset any rewards earned.
- Interest accrual: If you don't pay your credit card balance in full, high interest rates will apply to the outstanding amount.
- Cash advance classification: Certain Bpay payments may be treated as a cash advance, incurring higher fees and immediate interest.
How to Pay Bpay With A Credit Card
Paying bills via Bpay with a credit card can be a smart way to manage cash flow and earn rewards. Here’s a general guide to navigating the process successfully.
- Confirm Eligibility and Fees: Before proceeding, check if the biller accepts credit card payments through Bpay. Also, verify with your credit card provider whether the transaction will be treated as a purchase or a cash advance, as the latter often incurs higher fees and interest rates immediately.
- Choose the Right Card: Select a card that maximizes your benefits. Consider one that offers rewards points on bill payments or has a low interest rate. If you need help comparing options, you can use tools like the Kudos' explore cards tool to find a suitable match.
- Access Your Banking Portal: Log in to your financial institution's online banking platform or mobile app. Navigate to the section for bill payments or Bpay, which is typically located under a "Payments" or "Transfers" menu.
- Enter Payment Information: You will need the biller code and your Customer Reference Number (CRN), both of which are found on your bill. Enter these details, specify the payment amount, and select your credit card as the source account.
- Review and Submit: Carefully double-check all the information—the biller code, CRN, and payment amount—to ensure accuracy. Once you are certain everything is correct, confirm the transaction to schedule your payment.
Impact On Your Credit Score
Paying bills with a credit card via BPAY can influence your credit score in a few key ways. It's important to consider the following potential impacts before you proceed.
- Credit Utilisation Ratio. This action increases your credit utilisation, the percentage of your available credit you're using. A consistently high ratio can signal risk to lenders and may lower your score.
- Potential for Missed Payments. A larger credit card balance can be harder to pay off in full each month. Failing to meet repayments on time will negatively affect your credit history.
- Cash Advance Classification. Some card issuers may treat BPAY payments as a cash advance, which can carry higher interest rates. This can increase your debt faster and impact your ability to repay.
Alternative Ways To Pay Bpay
Direct Debit from Bank Accounts
Most financial institutions allow you to make BPAY payments directly from a transaction or savings account. This approach draws funds straight from your available balance, offering a simple way to manage bills without relying on credit. To do this, log into your online or mobile banking, navigate to the BPAY payment section, and select the desired debit account as the source of funds before confirming the transaction.
BPAY View for Bill Management
For a more streamlined process, BPAY View is an excellent tool. It delivers bills and statements electronically, directly to your online banking dashboard. This allows you to see, manage, and pay your bills from one secure location. By receiving bills where you pay them, you can better track due dates and amounts, simplifying your financial admin and ensuring timely payments without needing to juggle multiple platforms or paper statements.
Choose the Right Card to Pay Bpay
When it comes to paying bills, using the right credit card can make all the difference in the rewards you earn. With a database of nearly 3,000 cards, Kudos' AI-powered tool can help you find your perfect match based on your personal preferences and spending habits, ensuring you maximize your returns with every transaction.
For those looking to get more out of their credit cards, Kudos is the premier free shopping assistant to use online. We are also currently offering $20 back after your first qualifying purchase; just sign-up for free with code “GET20” and buy from a Boost merchant.
Frequently Asked Questions
What are the fees for paying Bpay with a credit card?
Fees vary by provider but typically include a small processing fee on top of the total bill amount.
Do I earn rewards points on Bpay credit card payments?
Yes, you can typically earn full rewards points on eligible cards when using a third-party payment service.
What types of bills can I pay?
You can pay most bills that have a Bpay biller code, including utilities, rent, invoices, and ATO payments.
Supercharge Your Credit Cards
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
