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.
*Restricted/prohibited industries apply
*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
1
1
1
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
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.
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.
$10,000
Processing fee (incl GST)
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
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
Do I earn points on the processing fee?
Absolutely! You earn full points (even at the ATO) on the transaction amount and the processing fee.
What if you determine my payment to be business, but it’s personal?
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 I use my business card to make personal payments, will that be charged at 1.29%?
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.
Can I pay make SME payments now, pay to BSB + Account Number?
We’re working on it as you read this. Launch 2023! Promise.
If I’m a sole trader, will I be charged the business, or the personal rate if I pay the ATO?
If you’re making a personal payment to the ATO on a personal card, you’ll be charged at the personal rate. Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.
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.
What is Sniip's criteria for determining what is business and personal payments?
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.
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