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Why pay bills through your bank, when you could be earning points towards your next trip by paying everything with a premium credit card?

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Fly business class to London twice a year

When you stack up the rewards and savings against the cost of paying your bills with Bluechain, you’d have to be crazy to pay your bills any other way. Over the course of a year, a small business with expenses of $20,000 per month could realise over $13,000 in value, with enough reward points to pay for two business class tickets to London.*
Learn more about the benefits

* Example shown is for Amex only. Fees and rewards vary by card issuer and card type.

Cost vs benefit

The benefits easily outweigh the cost, typically yielding a net benefit between 5% and 8%, depending on the size and nature of the expense (see table below for estimated ranges). There are no joining or setup fees, you just pay a convenience fee, which is more than recovered through reward points earned on the transaction See: How much are my reward points worth?, the tax savings, and early payment discounts. There are additional savings, not shown in the table below, on interest charges and administrative costs when paying by card (Deloitte reports that paying with card is 72% more efficient than manual processing) and automatic posting and reconciliation in accounts.


Component Description Benefit
Convenience fee
Convenience fee

The convenience fee covers the cost of processing the payment.

–1.95%*
Reward points
Reward points

Payments on American Express cards typically attract 2 points per dollar, with an average value of 2 cents per point—that is, an average of around 4%.

2% to 6%*
Tax benefit
Tax benefit

Convenience fees are tax deductible. Additional tax savings can be realised by redeeming points for personal travel and purchases.

0.5% to 1.5%
Early payment discount
Early payment discount

Scheduling the payment at the time of entry saves on missed prompt payment discounts (2% to 5%) and late payment fees (e.g. Telstra charges $15 for late payments—that’s a 5% penalty on a $300 bill).

2% to 5%

* Example shown is for Amex only. Fees and rewards vary by card issuer and card type. See How much does it cost to pay my bills with Bluechain Reward payments?

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