If in Australia you could use Coinjar Swipe. It is EFTPOS only, so no good for online purchases, but I have been buying groceries with it for months now. It makes my play Monopoly money really feel real.
If you load with bitcoin there is no fee (other than spread) and 1% otherwise.
OH, you got here before me. Good for you!
Also, check out Living Room of Satoshi for paying bills through BPAY. Thanks to lobbying by #teamaustralia, they now accept Steem directly, so no need to convert to bitcoin first.