I'm new to this game and looking for best points value for paying my daughter's HECS debt (call it $30k).
Direct payments (or BPay) to the ATO via AMEX (Explorer) and most of my Visa/Mastercards earns little to no points - the only one that seems to allow government payments is ANZ and the earn rate is not fantastic. Also at this time I am looking for KF miles rather than QF points.
After reading the most recent 10 pages or so, it seems Easy Bill Pay might be the solution, so have signed up there. It should also be handy for rent payments (0.8% vs a surcharge of 1.4% charged by the rental agency). Funding via St George (Amplify points to be converted to KF)
A few questions:
1. Will EBP be treated as a purchase by St George? The Amplify terms and conditions could be interpreted as treating this as a cash advance.
2. When bills are paid by EBP, does the merchant impose an additional CC fee - or is it generally processed as a non-credit funds transfer?
3. Is there a better alternative?
TIA