What could your business be earning?
Here’s what businesses at different spend levels could earn in annual rewards through pay.com.au. From a café doing $25K a month to a construction business doing $200K, see what your payback could look like.
The double-dip
One payment, two rewards streams
The reason a business bill can pay you back. You earn on money you were spending anyway.
PayRewards on every dollar
Activate PayRewards and earn 1 to 2 points per $1 on payments you already make, whichever method you use.
Card points stack on top
Pay by credit card and your card's own rewards program keeps earning too. Two streams from the one payment.
Redeem for flights & more
Transfer to 16+ airline & hotel partners, with Qantas and Velocity at 2:1, and turn business spend into travel.
Examples
Four businesses. Four ways to earn.
From a $25k-a-month café to a $2.4M-a-year construction firm. See the rewards each could unlock, and how paying by card changes the maths.
Dana runs a busy Melbourne café and pays $25,000 a month in stock, supplier invoices and equipment costs. Here's how she could earn $13k+ in annual rewards through pay.com.au, depending on how she pays.
Fees are generally tax-deductible for businesses. Speak to your accountant for advice specific to your situation. Approx PayRewards value is our estimate of redemption value based on international business class flight redemption, subject to change. Flight redemptions assume PayRewards and card points are transferred to the same frequent flyer program. Points required vary by route, cabin, season and availability. Taxes and carrier charges apply separately. Bank account: no platform fee, PayRewards opt-in only (1.8% for 2 pts/$1). Amex platform fee charged on spend + PayRewards fee. Net fee at 25% company tax rate; check with your accountant. Card earn rates: Mastercard: Westpac Altitude Rewards Black (2 pts/$1, 1:3 airline conversion). Visa: NAB Rewards Signature (1.5 pts/$1, 1:2 airline conversion). Amex: Platinum Business (2.25 pts/$1, 1:2 airline conversion). Airline pts ~$0.035/pt (indicative, varies by partner and redemption). Flight estimates subject to airline availability.
Adam runs an ecommerce business spending $50,000 a month on stock, fulfilment and supplier costs. Here's how he could earn $26k+ in annual rewards through pay.com.au, depending on how he pays.
Fees are generally tax-deductible for businesses. Speak to your accountant for advice specific to your situation. Approx PayRewards value is our estimate of redemption value based on international business class flight redemption, subject to change. Flight redemptions assume PayRewards and card points are transferred to the same frequent flyer program. Points required vary by route, cabin, season and availability. Taxes and carrier charges apply separately. Bank account: no platform fee, PayRewards opt-in only (1.8% for 2 pts/$1). Amex platform fee charged on spend + PayRewards fee. Net fee at 25% company tax rate; check with your accountant. Card earn rates: Mastercard: Westpac Altitude Rewards Black (2 pts/$1, 1:3 airline conversion). Visa: NAB Rewards Signature (1.5 pts/$1, 1:2 airline conversion). Amex: Platinum Business (2.25 pts/$1, 1:2 airline conversion). Airline pts ~$0.035/pt (indicative, varies by partner and redemption). Flight estimates subject to airline availability.
Rachael runs a boutique accounting firm spending $100,000 a month across payroll, rent and supplier payments. Here's how she could earn $55k+ in annual rewards through pay.com.au, depending on how she pays.
Fees are generally tax-deductible for businesses. Speak to your accountant for advice specific to your situation. Approx PayRewards value is our estimate of redemption value based on international business class flight redemption, subject to change. Flight redemptions assume PayRewards and card points are transferred to the same frequent flyer program. Points required vary by route, cabin, season and availability. Taxes and carrier charges apply separately. Bank account: no platform fee, PayRewards opt-in only (1.8% for 2 pts/$1). Amex platform fee charged on spend + PayRewards fee. Net fee at 25% company tax rate; check with your accountant. Card earn rates: Mastercard: Westpac Altitude Rewards Black (2 pts/$1, 1:3 airline conversion). Visa: NAB Rewards Signature (1.5 pts/$1, 1:2 airline conversion). Amex: Platinum Business (2.25 pts/$1, 1:2 airline conversion). Airline pts ~$0.035/pt (indicative, varies by partner and redemption). Flight estimates subject to airline availability.
Nguyen runs a construction business with $200,000 in monthly materials, subcontractors and equipment costs. Here's how he could earn $111k+ in annual rewards through pay.com.au, depending on how he pays.
Fees are generally tax-deductible for businesses. Speak to your accountant for advice specific to your situation. Approx PayRewards value is our estimate of redemption value based on international business class flight redemption, subject to change. Flight redemptions assume PayRewards and card points are transferred to the same frequent flyer program. Points required vary by route, cabin, season and availability. Taxes and carrier charges apply separately. Bank account: no platform fee, PayRewards opt-in only (1.8% for 2 pts/$1). Amex platform fee charged on spend + PayRewards fee. Net fee at 25% company tax rate; check with your accountant. Card earn rates: Mastercard: Westpac Altitude Rewards Black (2 pts/$1, 1:3 airline conversion). Visa: NAB Rewards Signature (1.5 pts/$1, 1:2 airline conversion). Amex: Platinum Business (2.25 pts/$1, 1:2 airline conversion). Airline pts ~$0.035/pt (indicative, varies by partner and redemption). Flight estimates subject to airline availability.
Your numbers
Run your own numbers
Plug in your real spend, plan and card to see exactly what your business could earn.
Open the full calculatorTrust & security
You're moving real money. We take that seriously.
88,000+ Australian businesses run $17B+ in payments through pay.com.au. Here's how we keep it safe.
Licensed and regulated
pay.com.au Limited holds an Australian Financial Services Licence, issued by ASIC, and verifies every business under AML/KYC.
AFSL 700223Bank-level security
ISO 27001 certified and PCI DSS compliant. Data is end-to-end encrypted and tokenised, with passkey and multi-factor authentication on every login.
You stay in control
You authorise every payment and see the remittance date before you confirm. Funds move to your suppliers, staff and super funds only on your instruction.
Disclaimers
Fees are generally tax-deductible for businesses. Speak to your accountant for advice specific to your situation.
Approx PayRewards value is our estimate of redemption value based on international business class flight redemption, subject to change. Flight redemptions assume PayRewards and card points are transferred to the same frequent flyer program. Points required vary by route, cabin, season and availability. Taxes and carrier charges apply separately.
Bank account: no platform fee, PayRewards opt-in only (1.8% for 2 pts/$1). Amex platform fee charged on spend + PayRewards fee. Net fee at 25% company tax rate; check with your accountant.
Card earn rates: Mastercard: Westpac Altitude Rewards Black (2 pts/$1, 1:3 airline conversion). Visa: NAB Rewards Signature (1.5 pts/$1, 1:2 airline conversion). Amex: Platinum Business (2.25 pts/$1, 1:2 airline conversion). Airline pts ~$0.035/pt (indicative, varies by partner and redemption). Flight estimates subject to airline availability.
Things you should know
Pay.com.au Limited (ACN 639 316 546) holds an Australian Financial Services Licence (AFSL no. 700223). Use of the pay.com.au Platform and PayRewards is subject to the terms and conditions.
*Additional platform fees apply to payments made via card. Fees vary based on the type of credit card.
Our estimate of redemption value based on international business class flight redemption. Actual value is determined by various factors which are subject to change: including reward seat availability, seasonality, route, cabin class, frequent flyer program conditions, and others.
Statements about tax deductibility of fees is general information only and does not account for your individual business circumstances. Consult a registered tax agent or accountant before relying on this information.
The information on this page is general in nature and does not consider your objectives, financial situation or needs. Nothing in this material is personal financial, tax or legal advice. You should consider whether the information is appropriate for your circumstances and seek independent advice where appropriate.
Information in this material relies on information from third parties. Information is accurate as of 17/07/2026 and while reasonable care has been taken in preparing this material, no representation or warranty is made as to the accuracy, completeness or reliability of this information.
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