Pay your bills with Amex. Earn full points.
Sniip is an official Amex partner. Pay everyday bills, even ones that don’t normally accept Amex, like the ATO, council rates and utilities, and earn uncapped points every time.
Three steps to full points.
Add your bill
Scan the BPAY code or add it manually, forward it from your inbox, or take a picture of your Non-BPAY bill. We read the details for you.
Pay with Amex
Personal, business or corporate cards all accepted.
Earn full points
Even on bills that wouldn’t normally give you any, including government billers.
Pay these popular BPAY billers with Amex through Sniip
These are just a few favourites. You can pay almost any Australian bill with Amex through Sniip, whether your biller takes BPAY or not.
Earn points twice on every bill.
This calculator estimates the points your card issuer pays you for paying through Sniip, on top of the Sniip points you earn in the app. Both land straight in your linked loyalty account.
Amex pricing, explained.
Two rates, one simple rule. The card in your wallet and the biller you are paying decide whether you pay 1.29% or our business rate. Check yours below.
Why pay your bills with Amex through Sniip
Triple dip your points
Earn three ways on one bill: your Amex card's own rewards, bonus points through Sniip, then points again when you pay that card off via Payto Plus+ in the Sniip app.
Secure
Tier 1 PCI DSS compliant. Eight years, zero security breaches.
Trusted
Sniip is an authorised Bill Payment Service Provider. Your payment sits in a trust account and is paid to your biller the same day we receive it. We never hold your funds.
Questions, answered.
Sniip processes your payment as a two-legged transaction. In the first leg, your payment is paid into the Sniip Trust Account. In the second leg, the Sniip Trust Account pays your biller on your behalf.
There are two types of points, and they work differently.
Your card's own rewards: your card is charged the full amount that goes through Sniip, which includes the processing fee. You earn your card's rewards on that full amount, at your card's standard earn rate.
Points earned through Sniip: these are credited to your Qantas Frequent Flyer or Virgin Australia Business Flyer account and are calculated on the payment amount only, so the processing fee does not earn points through Sniip.
ATO and superannuation payments are processed at our business rates on any Amex card. You'll still earn full points, and it's better value than paying the ATO directly. See our Amex rates explainer.
No, but your biller may set minimum and maximum payment amounts. If a large payment is declined, check with your bank first, they may need to clear it as legitimate.
Yes, even if BPAY isn't offered.
Get started today.
Download Sniip and start earning full points on your bills with Amex.