Guide to PayRewards Transfer Partners

Written by Staff Writers
Air Canada's Aeroplan program is now a PayRewards transfer partner
Air Canada’s Aeroplan program is a PayRewards transfer partner. Photo: Air Canada.

For full disclosure, Australian Frequent Flyer is affiliated with Pay.com.au.

PayRewards is the flexible reward points currency of Pay.com.au. With the recent addition of Emirates Skywards, it now partners with 17 airline and hotel loyalty programs.

Pay.com.au is one of several Australian bill payment services that let you earn full points on your credit card when paying tax bills and other business expenses. Most Australian banks do not award points on government payments, so paying the ATO through platforms such as pay.com.au lets you earn credit card points for these payments as you would for any other everyday expense.

Uniquely, Pay.com.au also gives you the option to purchase an additional bundle whenever you make a payment which earns PayRewards points.

What can you use PayRewards points for?

You can now convert PayRewards points to 13 airline and 4 hotel loyalty programs. These are the PayRewards program partners and point conversion rates:

Transfer partnerConversion rate (from PayRewards to Airline/Hotel)
Qantas Business Rewards2:1
Virgin Australia Business Flyer2:1
Qatar Airways Privilege Club3:1
British Airways Club3:1
Air Canada Aeroplan2.5:1
Singapore Airlines KrisFlyer2.5:1
Cathay3:1
Vietnam Airlines Lotusmiles2.5:1
Thai Airways Royal Orchid Plus3:1
United MileagePlus3:1
China Southern Sky Pearl Club3:1
Japan Airlines Mileage Bank3:1
Emirates Skywards3.5:1
Marriott Bonvoy1.75:1
Hilton Honors1.75:1
IHG One Rewards2:1
Accor Live Limitless (ALL)4:1

This is a solid list of useful airline partners. And Marriott is a particularly useful hotel partner because you can convert Marriott Bonvoy points to around 40 different frequent flyer programs!

Special deal for AFF Gold & Platinum members

As an exclusive offer, AFF Gold & Platinum members can benefit from pay.com.au’s Premium plan processing rates for 90 days at no cost! That’s two months longer than the usual 30-day free trial offered to new Premium members.

See the AFF Member Lounge for more details.

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Avatar of bussyboy bussyboy Sep 20, 2024 #1

Can I buy aeroplan points, using pay.com.au and double dip?? 🤔

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Avatar of Duffa Duffa Sep 20, 2024 #2

Can I buy aeroplan points, using pay.com.au and double dip?? 🤔

Then pay off your credit card and triple dip!!

Reply 1 like

f flyguy77 Apr 08, 2025 #3

These advertisement articles are the worst.

Disclaimer that AFF and Pay.Com share the exact same owner should be made VERY clear.

Reply 1 like

Avatar of Duffa Duffa Apr 09, 2025 #4

Didn't know that.
I'm a bit upset to be honest.
If that's true, then stop fartimg about AFF and get American Airlines on board.

Reply 1 like

Avatar of n7of9 n7of9 Apr 10, 2025 #5

Disclaimer that AFF and Pay.Com share the exact same owner should be made VERY clear.

There's a disclaimer already so the end of the adticle

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f flyguy77 Apr 10, 2025 #6

There's a disclaimer already so the end of the adticle

A small disclaimer hidden at the end of the article stating 'affiliated with' doesn't really tell people that AFF and Pay.com share the same ownership team.

It's blatantly advertising their own product in a sneaky way and readers should be made very aware that it is a biased article missing information that will allow a fair comparison.

A quick google tells me Pay.Com made $56.8 million in the last financial year. I'm no Business expert but behind all the marketing smoke and mirrors - these payment processors are just selling people points in a legal way and making money via the difference in fees - no different to Qantas. So these articles are pushing you to buy points within their own eco-system and make the owners more money.

I personally see lots of issues with this.

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Avatar of n7of9 n7of9 Apr 10, 2025 #7

Oh I do too, absolutely!

Reply 1 like

Avatar of QantasGonza QantasGonza Nov 21, 2025 #8

A small disclaimer hidden at the end of the article stating 'affiliated with' doesn't really tell people that AFF and Pay.com share the same ownership team.

It's blatantly advertising their own product in a sneaky way and readers should be made very aware that it is a biased article missing information that will allow a fair comparison.

A quick google tells me Pay.Com made $56.8 million in the last financial year. I'm no Business expert but behind all the marketing smoke and mirrors - these payment processors are just selling people points in a legal way and making money via the difference in fees - no different to Qantas. So these articles are pushing you to buy points within their own eco-system and make the owners more money.

I personally see lots of issues with this.

I totally agree. Such a close relationship - joint owners - deserves something stronger than "affiliated". What's more it can be quite an expensive way to get points. If its Qantas points you want there's another payment service called Sniip that appears to be cheaper. I'm not sure who owns it though. BTW, I don't decry people making a profit / earning money

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