--- title: "Calculator" url: "https://pay.com.au/calculator/" post_type: "page" date: "2021-11-12T03:51:17+00:00" modified: "2026-07-02T03:23:48+00:00" author: "Riya Barua" --- [Pay your team & earn up to **100k** bonus PayRewards^ View offer Pay your team & earn up to **100k** bonus PayRewards^ View](https://pay.com.au/100000-bonus-payrewards-points-pay-your-team//?utm_source=BannerStrip&utm_medium=Website&utm_campaign=&utm_content=Getpaidoffer) Calculate your rewards Here’s what you could be missing out on! Calculator Rewards How it works #### Tell us about yourself I’m on a Free Regular Premium pay.com.au plan would like to add No PayRewards 1 PayRewards Point per $1 (1%) 2 PayRewards Points per $1 (1.8%) Payment method Select Payment method is required. Card type Select - American Express Platinum Card - American Express® Platinum Business Card - American Express Qantas Business Rewards - NAB Rewards Signature - Qantas Money Platinum - ANZ Rewards Black credit card - Qantas American Express Ultimate - American Express Explorer Credit Card - Westpac Altitude Qantas Black - HSBC Star Alliance Credit Card - ANZ Qantas Business Rewards - NAB Rewards Platinum Card with Velocity - ANZ Rewards Velocity Platinum - NAB Rewards Signature Card with Velocity - American Express Velocity Business - St.George Amplify Rewards Signature - American Express Business Gold Plus Card - Westpac Altitude Rewards Black - St.George Amplify Qantas Signature - Qantas Money Titanium - Westpac Altitude Velocity Black - ANZ Business Black - NAB Qantas Rewards Signature - ANZ Rewards Platinum - NAB Qantas Rewards Premium - NAB Rewards Platinum Card - St.George Amplify Rewards Platinum - St.George Amplify Qantas Platinum - Westpac Altitude Qantas Platinum - Westpac Altitude Rewards Platinum - Westpac Altitude Velocity Platinum - American Express Velocity Platinum - American Express Essential Rewards Credit Card - American Express Velocity Escape Plus - Qantas American Express Discovery - American Express Platinum Edge - Qantas American Express Premium - ANZ Rewards Travel Adventures - Bank Australia Qantas Platinum - Bank of Melbourne Amplify Rewards Platinum - Bank of Melbourne Amplify Qantas Platinum - Bank of Melbourne Amplify Rewards Signature - Bank of Melbourne Amplify Qantas Signature - BankSA Amplify Rewards Platinum - BankSA Amplify Qantas Platinum - BankSA Amplify Rewards Signature - BankSA Amplify Qantas Signature - BOQ Qantas Platinum - BOQ Velocity Platinum - BOQ Qantas Signature - BOQ Velocity Signature - Citi Prestige Card - Citi Premier Credit Card - HSBC Platinum Qantas - Citi Emirates World - NAB Qantas Rewards - Qudos Bank Platinum Visa - Virgin Money Flyer - Virgin Money High Flyer - NAB Qantas Business Signature - MyCard Premier Qantas Credit Card - Citi Rewards Card - Qantas Money Everyday Card - Coles Rewards Mastercard - Coles No Annual Fee - ANZ Frequent Flyer Black - ANZ Frequent Flyer Platinum - ANZ Frequent Flyer - ANZ Rewards Classic - NAB Rewards Business Signature - St.George Amplify Rewards Classic - ANZ Platinum - ANZ Low Rate - ANZ First Card - Commonwealth Bank Ultimate Awards - Bankwest Qantas World Mastercard - Westpac Altitude Business Platinum - Westpac Altitude Business Gold - Bankwest Qantas Platinum - CommBank Business Platinum Awards - CommBank Awards Card - Citi Prestige Qantas Card - Citi Premier Card - Luxury Escapes offer - MyCard Premier Credit Card - Citi Rewards Credit Card - Velocity offer - MyCard Prestige Credit Card Card Type is required. My business expenses * Single Monthly Quarterly Annually View my results in Points Gift Cards i To view your results in Gift Cards, PayRewards must be added. Calculate Rewards [Get started](https://id.pay.com.au/register) #### Annual Results 0 Total airline points $0 Approx. value $0 Approx. gift card value $0 Net fees (After tax) #### Monthly Breakdown ![payrewards points](https://pay.com.au/wp-content/themes/pay-theme-main/assets/images/payrewards-points.svg) PayRewards Points ^ 0 Converted to Airline Points 0 Airline points value ($) > $0 Gift Card value (0.8%) $0 *(Gift card value may vary)* PayRewards Package fee (0%) Gross Fee ($0) Net fee (after tax) # ($0) Net value created $0 ![creditcard points](https://pay.com.au/wp-content/themes/pay-theme-main/assets/images/creditcard-points.svg) Credit card rewards † 0 Airline points 0 Airline points value ($) > $0 Gift Card value *We can only speak to the redemption rates of our own gift cards. For other gift cards, please check with the card issuer directly.* Platform fee (0%) Gross Fee ($0) Net fee (after tax) # ($0) Net value created $0 Date of last update: 19 May 2026 General Disclaimer: The information in this calculator is general in nature and has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the information is appropriate for your circumstances and seek independent advice where appropriate. It does not provide personal financial, tax or legal advice. This calculator is based on a number of assumptions and subject to a number of specific disclaimers (as viewable here). The information reflects information available as at the date of last update, and has not been updated to reflect any changes since. This calculator includes information obtained from third-parties, such information has not been independently verified. While reasonable care has been taken in preparing the information displayed by the calculator, no representation or warranty is made as to the accuracy, completeness or reliability of the information obtained from third-parties. * Not all business expenses can be processed via our platform (and in some cases, depending on payment method type), for more details see [Payment Rules and Regulations](/payment-rules-and-regulations/). > Indicative estimated value of airline points is calculated at 3.5 cents per airline point – this is our estimate of redemption value based on international business class flight redemption. You may not get this value as redemption value rates vary (depending on airline and flights route/class) and any airline point redemption is subject to availability. # Net fees assume that PayRewards Package Fees are tax deductible at a rate of 25%. This is general information only and does not take into account your individual business circumstances. Tax deductibility depends on your specific situation and may change over time. You should seek your own tax advice before relying on this information. ^ Airline points redeemed from PayRewards Points is calculated on the basis of a transfer rate of 2:1. Some airline partners have lower transfer rates – for current transfer rates for airline partners, see [here](https://pay.com.au/partners/). + Credit card earn rates are based on publicly available information published by card issuers as at date of last update. Some credit cards have limits on the number of points you can earn, restrictions on earn rate or other restrictions including prohibited payment types. Our calculator does not account for these credit card terms, so actual credit card rewards may vary. Please refer to your credit card terms and conditions for further information. #### Here’s what you could get with your points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/michele-bitetto-1AQTOjczEB0-unsplash-1.png?fit=300%2C201&quality=89&ssl=1) Travel Melbourne to Rome (Return - First Class) 540,000 Krisflyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to London (Return - Business Class) 260,000 Krisflyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/6581a0447e5e3df4278b7cdb03caec2c.jpeg?fit=300%2C168&quality=89&ssl=1) Travel 10-days Bahamas accommodation 550,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/humphrey-muleba-TejFa7VW5e4-unsplash-1.png?fit=300%2C225&quality=89&ssl=1) Travel Phuket - Thavorn Resort - 6 nights 225,400 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/michele-bitetto-1AQTOjczEB0-unsplash-1.png?fit=300%2C201&quality=89&ssl=1) Travel Melbourne to Rome (Return - First Class) 540,000 Krisflyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to London (Return - Business Class) 260,000 Krisflyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/6581a0447e5e3df4278b7cdb03caec2c.jpeg?fit=300%2C168&quality=89&ssl=1) Travel 10-days Bahamas accommodation 550,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/humphrey-muleba-TejFa7VW5e4-unsplash-1.png?fit=300%2C225&quality=89&ssl=1) Travel Phuket - Thavorn Resort - 6 nights 225,400 PR Points PayRewards redemptions are subject to change, subject to availability and third-party terms and conditions. Redemptions for airfares requires membership, and points transfers to, applicable airline loyalty programs. For more details, see PayRewards Terms and Conditions. Reward redemptions are accurate as at 2026-02-01. ![creditcard points](https://pay.com.au/wp-content/themes/pay-theme-main/assets/images/icon-airline-ticket.svg) #### Redeem for flights ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to London (Return) Business 260,000 KrisFlyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London.png?fit=300%2C169&quality=89&ssl=1) Travel Melbourne to London (Return) Economy 135,000 KrisFlyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Sanfranciso-1.png?fit=300%2C169&quality=89&ssl=1) Travel Sydney to San Francisco (Return) Economy 240,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/louie-martinez-IocJwyqRv3M-unsplash-1.png?fit=300%2C200&quality=89&ssl=1) Travel Sydney to Tokyo (Return) Business 166,666 Asia Miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Tokyo.png?fit=300%2C169&quality=89&ssl=1) Travel Brisbane to Hong Kong (Return) Business 116,666 Asia Miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/dan-freeman-7Zb7kUyQg1E-unsplash-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to Sydney (Return) Economy 24,000 Qantas Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Athens-1.png?fit=300%2C169&quality=89&ssl=1) Travel Perth to Athens (Return) Business 340,000 Avios ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to London (Return) Business 260,000 KrisFlyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/London.png?fit=300%2C169&quality=89&ssl=1) Travel Melbourne to London (Return) Economy 135,000 KrisFlyer miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Sanfranciso-1.png?fit=300%2C169&quality=89&ssl=1) Travel Sydney to San Francisco (Return) Economy 240,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/louie-martinez-IocJwyqRv3M-unsplash-1.png?fit=300%2C200&quality=89&ssl=1) Travel Sydney to Tokyo (Return) Business 166,666 Asia Miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Tokyo.png?fit=300%2C169&quality=89&ssl=1) Travel Brisbane to Hong Kong (Return) Business 116,666 Asia Miles ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/dan-freeman-7Zb7kUyQg1E-unsplash-1.png?fit=300%2C200&quality=89&ssl=1) Travel Melbourne to Sydney (Return) Economy 24,000 Qantas Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Athens-1.png?fit=300%2C169&quality=89&ssl=1) Travel Perth to Athens (Return) Business 340,000 Avios ![creditcard points](https://pay.com.au/wp-content/themes/pay-theme-main/assets/images/icon-airline-ticket.svg) #### Redeem for products ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Visa-Card-19-1.png?fit=300%2C201&quality=89&ssl=1) Product $100 PayRewards Digital Visa Gift Card 14,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Asset-1-2.png?fit=300%2C210&quality=89&ssl=1) Product Bose QuietComfort 45 Headphones From 67,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Electronics-04.png?fit=300%2C184&quality=89&ssl=1) Product Sonos Era 100 Smart Speaker From 54,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Electronics-03.png?fit=300%2C184&quality=89&ssl=1) Product Apple MacBook Pro 13-inch From 267,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Visa-Card-19-1.png?fit=300%2C201&quality=89&ssl=1) Product $100 PayRewards Digital Visa Gift Card 14,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Asset-1-2.png?fit=300%2C210&quality=89&ssl=1) Product Bose QuietComfort 45 Headphones From 67,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Electronics-04.png?fit=300%2C184&quality=89&ssl=1) Product Sonos Era 100 Smart Speaker From 54,000 PR Points ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2025/04/Electronics-03.png?fit=300%2C184&quality=89&ssl=1) Product Apple MacBook Pro 13-inch From 267,000 PR Points PayRewards redemptions are subject to change, subject to availability and third-party terms and conditions. Redemptions for airfares requires membership, and points transfers to, applicable airline loyalty programs. For more details, see PayRewards Terms and Conditions. Reward redemptions are accurate as at 2026-02-01. #### How to get started Earning PayRewards Points is easy and gives you more value for your money spent. - ##### Make a payment Process a business transaction through the pay.com.au platform. - ##### Boost your points Add PayRewards Points at a rate of 1 Point per $1 or 2 Points per $1. - ##### Redeem for anything you like Easily redeem your PayRewards through your rewards portal by making a request and our team will take care of the rest. [Create a free account](https://id.pay.com.au/register) - ![Pay.com.au business payments platform dashboard interface](https://pay.com.au/wp-content/uploads/2025/04/airline-partners-ico.svg) ##### Convert to airline partners Transfer your PayRewards Points to our any of our leading transfer partners so you can book and upgrade flights for less and have more flexibility in your reward seat bookings. - ![Pay.com.au business payments platform dashboard interface](https://pay.com.au/wp-content/uploads/2025/04/rewards-ico.svg) ##### The rewards you deserve Use your PayRewards Points for gift cards, invoices, products or custom requests at great value across all redemptions. - ![Pay.com.au business payments platform dashboard interface](https://pay.com.au/wp-content/uploads/2025/04/redeem-paytravel-payconcierge-ico.svg) ##### Redeem for PayTravel and PayConcierge Let our team help you find business class reward seats or hard-to-get tickets to an upcoming event through our PayTravel and PayConcierge services. ##### Pay your team this July. Earn up to 100K PayRewards Points Make your Payroll and/or Super payments through pay.com.au. The more you pay, the bigger your payback. Offer ends 31 July ^T&Cs apply. [Claim offer](https://pay.com.au/100000-bonus-payrewards-points-pay-your-team/) ![Pay.com.au business payments platform dashboard interface](https://i0.wp.com/pay.com.au/wp-content/uploads/2026/07/Screenshot-2026-07-02-at-11.35.17-AM-1.png?fit=598%2C448&quality=89&ssl=1) ## Start earning serious points Sign up to the payments platform built for growing businesses. Enjoy our lowest rates, free for 30 days. [Get started](https://id.pay.com.au/register) [How it works](https://pay.com.au/how-it-works)