Earn full points on your American Express with Sniip

The Sniip | Amex partnership means you can use Sniip to pay all your bills, and earn full points! Even if your biller doesn’t accept Amex directly, you can use any American Express card to pay the biller with Sniip.

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“This is the only service currently in Australia that lets you pay personal bills … with a credit card, allowing you to earn more points from your household spend. Sniip somehow makes it fun to sort your bills admin, every payment gets me closer to my next trip.”

Steve Hui 
The Points Whisperer

How does Sniip work for me?

Sniip is a Bill Payment Service Provider (BPSP), meaning you pay Sniip, and we pay the biller on your behalf. 

When you make a payment through Sniip with your American Express, you earn FULL POINTS on the first leg of the transaction at 1.5% (incl GST), even at the ATO. 

With Sniip you only pay the processing fee of 1.5% (incl GST). There are no other biller surcharges. 


Earn full points on all your personal bills!

Case Study: Paying the ATO with an American Express Platinum Velocity Card

Source: iflyflat.com.au

Card Rates: Calculator

Please note: the above calculator is not an exhaustive list of the Amex cards you can use with Sniip. Sniip accepts American Express cards. 

This information is provided as a guide only, please refer to the Amex website for the most accurate information or contact Amex directly. 

The Value of Points

Whether it’s an around the world trip, or an upgrade to business class, travel is always the best use of your points! Sniip allows you to get the most points on your personal bills, whilst also helping you manage your bills seamlessly in the one app. 

Sniip makes it easier to determine value from ALL your personal bills.


“Using points to fly Business Class is like alchemy – turning metal into gold.” 

Steve Hui, The Points Whisperer

The sky is the limit ✈️ 🥂

When you pay your bills with Sniip, you unlock the full earning potential of your Amex Membership Rewards Points. Use your amex to pay bills with Sniip. 

Paying a $30,000 bill could mean a Brisbane to Sydney return trip in Business Class, all paid for with points!*

Every point counts! Maybe you’re saving your points for a one way ticket to London? Accumulating Amex Membership Rewards Points throughout the year by paying your rates, insurance or tax bill means that the sky is the limit. Pay bills with amex with Sniip!




*General advice only, please refer to the Amex website for the most accurate information. 

“The true value of Sniip lies in its new 2021 partnership with American Express that sees it offer a reduced 1.5% (processing) fee for Amex transactions. … it makes sense to funnel some of your bigger bills through a service like Sniip to maximise rewards and boost your cashflow.”

We prioritise your payment security

Sniip is a trusted partner of Amex. Payment security is of the highest priority at Sniip.

We have never had a security breach in our 8+ years of operations and have quarterly vulnerability scans to try and penetrate our systems. Our systems have never been penetrated. 

Sniip is proud to have achieved and maintains Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliance.

This mean you can rest assured that your payments are protected by the highest safety and encryption standards. 

Sniip is a BPSP (Bill Payment Service Provider), which means when you make a payment through us becomes a two-legged transaction. The day that we receive your funds is the day you bill gets paid. We do not hold onto your funds. The payment that you make to us will appear on your statement as ‘Sniip Ltd’. 

We have processed over $200 million worth of Amex transactions to date. 

For more detailed information, you can read our terms and conditions. 


There is a 1.5% (incl GST) processing fee for using any Amex card with Sniip. 

Yes. If you have a rewards credit card you will earn FULL POINTS on all your bills at 1.5% (incl GST). 

Sure can! Sniip allows users to pay most billers with an Amex card using a BPAY Biller Code and Reference Number. 

Please note: Unfortunately DEFT payments are not currently approved with Amex. 

Why? There are some additional Amex requirements which we need to satisfy in order to process DEFT payments. We hope this will be available in the future and will let you know as soon as DEFT is available for Amex cards again.

This breaks our heart but we’re working on a solution. 

Unfortunately, as DEFT payments don’t allow us to see who the final bill provider is, they are not currently approved with Amex. 

Rest assured, we’re working on a solution and hope to turn DEFT back on in the near future.

You are still able to use a Visa or Mastercard for DEFT payments. We will let you know as soon as DEFT is available for Amex cards again.

Sniip has a direct partnership agreement with Amex. This allowed our processing fee to drop from 2.2% (2020) to 1.5% (2021 and beyond). 

The advantage of using Sniip is that you earn full points on all of your bills (including at the ATO).

Unfortunately, we are restricted from allowing payments to certain billers using credit facilities, as determined by BPAY and our banking partners. 

This means, you aren’t able to pay credit facilities with a credit card. Should you wish to pay this biller with a bank account (0% processing fee), we could facilitate this transaction.

When you add a credit card to the Sniip app, we process a $1 charge to authorise your card. Rest assured this amount is refunded in full to your card within 48 hours.