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Pay all your expenses with your credit Crypto.com prepaid Visa Mastercard Debit card

Free to download, easy to use. No monthly fees and features that help you manage your bills. 

Sniip allows you to pay your personal expenses* with your preferred payment method, even if your supplier doesn’t normally accept it.  

*Please note: All American Express payments to the ATO (personal/business/corporate) are required to be processed at our business rates – the best in market. Learn more, here.

*Please note: All American Express payments to the ATO (personal/business/corporate) are required to be processed at our business rates – the best in market. Learn more, here.

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Points Calculator

Payment amount
Select payment type
Select your payment method
Amex Velocity Platinum Card
Amex Velocity Platinum Card
Amex Explorer Card
Amex Platinum Card
Qantas Amex Ultimate Card
Qantas Amex Premium Card
David Jones Amex Platinum Card
David Jones Amex Card
Qantas Amex Discovery Card
Amex Velocity Escape Card
Amex Essential Card
Amex Centurion Card
Diners Club International Card
Citi Premier Qantas Credit Card
ANZ Frequent Flyer Black Credit Card
Nab Rewards Visa
Citi Prestige Mastercard
Total points earned#
12,661
Velocity Points
Payment amount
$10,000
Processing fee (incl GST)
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.

*All ATO/superannuation/business payments (personal/business/corporate) are required to be processed at our business rates (tiered from 1.75%) on Personal Amex cards.

Please note: the above calculator is not an exhaustive list of the credit cards available to use with Sniip. Sniip accepts all payment methods and credit cards, including American Express, Visa and Citibank and Diner’s Club cards. Please email customercare@sniip.com if you would like to add a card to the calculator.

This calculator is provided as a guide only, please refer to your credit card provider for the most up-to-date information.

The benefits of Sniip

No monthly fees

The Sniip app is free to download. There are no monthly account keeping fees or any other hidden fees.

Secure payments

Sniip is proud to have achieved Tier 1 PCI DSS compliance. Rest assured that your payments are protected by the highest safety and encryption standards.

Set and forget​

Schedule your payments in the app, and have the peace of mind knowing they'll get paid on time. Set and forget!

Earn full points

When you pay your bills with Sniip, you are eligible to earn full reward points on your credit card to government bodies, where you would normally earn reduced points.

FAQ

As part of our contract with American Express, we are required to determine business vs personal based on the purpose of the payment and the type of industry your biller falls under. 

American Express restricts the personal rate to the following industry categories: 

  • Tax payments (excluding ATO payments) 
  • Telecommunications services
  • Cable and other pay television services
  • Utilities
  • Electric, gas, water, and sanitary
  • Insurance sales, underwriting, and premiums
  • Real estate agents and managers
  • Rentals
  • Parking lots and garages
  • Dance halls, studios, and schools
  • Membership clubs (sports, recreation, athletic), country clubs, and private golf courses
  • Doctors and physicians – not elsewhere classified
  • Hospitals
  • Medical services and health practitioners – not elsewhere classified
  • Elementary and secondary schools
  • Colleges, universities, professional schools, and junior colleges
  • Correspondence schools
  • Business and secretarial schools
  • Trade and vocational schools
  • Schools and educational services – not elsewhere classified
  • Child care services
  • Court costs, including alimony and child support
  • Fines
  • Government Services – not elsewhere classified

If your bill/invoice falls outside of these categories, we can still process your bill, however, we are required by American Express to process the payment at our tiered business rates. 

We appreciate the payment may be a personal payment to you, however we are bound by the category list for personal payments as defined by American Express. 

We are actively working with American Express to broaden these categories. 

Absolutely! You earn full points (even at the ATO) on the transaction amount and the processing fee. 

All rates are clearly displayed before you make a payment and you can always clarify with us before you process the payment.  

The processing fee for personal payments using a personal card is 1.5%, excluding American Express personal cards. The rate for personal American Express cards is 1.29%. 

Please note that payments to the ATO (including superannuation) are charged at our business rates for all Amex cards. 

If it is a business card, American Express deems it to be used for business purposes and that would be charged at the business rate. Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.

However, we’d strongly recommend you apply for the same card in the consumer/ personal version when making personal payments which will earn full points at the 1.29% rate with Sniip. 

You can now pay bills that don’t offer BPAY with Sniip – it’s been our #1 requested feature and it’s now live! 

If your biller doesn’t accept your credit card directly, you can now pay to their BSB & Account Number, even if BPAY is not available.

You can learn how to pay BSB and Account Numbers here.

 

Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card. If you’re making a personal payment to the ATO on a personal card (other than Amex), you’ll be charged at the personal rate. 

If you have an ABN, you may be classified as a business. If you’re making a business payment with a personal American Express card, you may be charged at the business rate. 

The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment. 

Great question! It comes down to the payment you’re making and the card you’re using. 

If you’re making a personal payment, on a personal card, you’ll be charged the personal rate. Please note, payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.

If you’re making a business payment, on a business/corporate card, you’ll be charged the applicable business rate. 

If you’re flagged as making a business payment on a personal card, you may be asked to supply a copy of your invoice and your transaction will be reviewed. 

The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment. 

If you have any questions, please call (07) 3268 7710 or email customercare@sniip.com

Looking for business payments?

Business payments & pricing
Learn more about making business payments with Sniip.
Learn more
Getting started
Check out our how-to on getting started with Sniip.
Learn more

Payments from your phone

Download the Sniip app, your new go-to for all bill payments, right from your phone. It’s the simplest way to make payments and manage your bills. 

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Sniip fees. Pay business bills with credit card (we accept American Express business, corporate and personal payments. Earn full points on government billers, including the ATO, BAS and land tax.

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