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PAY
PayRewards
PayRewards Points · Australia
non-alignedtransferable-bankdynamic chartNone surcharges
Baseline value
1.40¢/pt
Surcharges
None
Chart type
dynamic
Transfer targets
7
Sweet spots
0
How it works
PayRewards is Pay.com.au's loyalty currency, earned on eligible transactions through Pay accounts. Points transfer to select airline and hotel partners. Transfer relationships and rates are published on pay.com.au and may differ from other Australian bank currencies. Indirect routes (e.g. via Marriott Bonvoy) require separate validation at each step.
- Check pay.com.au/partners/ for the current direct transfer partner list.
- Transfer rates and partners may differ from Amex or other bank programs — verify before moving points.
- Indirect routes via hotel programs require separate eligibility checks at each step.
- Only transfer after confirming award space in the redemption program's own search.
Sweet spots
This is a points currency — its value lives in the airline programs it transfers to below.
Transfer to
SQ
Singapore Airlines KrisFlyer
KrisFlyer miles
2.5:1variable
AC
Air Canada Aeroplan
Aeroplan points
2.5:1variable
QR
Qatar Airways Privilege Club
Avios
3:1variable
CX
Cathay Pacific Asia Miles
Asia Miles
3:1variable
BA
British Airways Club
Avios
3:1variable
UA
United MileagePlus
MileagePlus miles
3:1variable
EK
Emirates Skywards
Skywards Miles
3.5:1variable
Estimates only — award pricing, transfer ratios and surcharges change frequently. Always confirm live pricing and availability with the program before transferring points.