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How to use a credit card for Netflix and other streaming services

Netflix and other streaming platforms do accept credit cards. Find out how to pay with yours and start watching today.

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Want to access all the shows that Netflix has to offer, but not sure how to pay for it? Here’s everything you need to know about using a credit card to sign up for Netflix. Plus, options if you don’t want to use a credit card.

Which credit cards are accepted by Netflix?

Netflix will accept all credit cards, including Visa, Mastercard and American Express. The only requirement is that the account allows you to set up recurring ecommerce payments – which almost all credit cards do.

In addition, all other major streaming services in Australia (Stan, Amazon Prime, etc) accept these types of credit card payments. There is one exception: Foxtel Now will not accept Amex cards.

Netflix vs Foxtel

How to add or update your credit card details on Netflix

  1. Sign into Netflix and go to your “Account” page.
  2. Navigate to “Membership and Billing” and click on the “Update Payment” link on the right-hand side.
  3. Enter your new payment information in the dialogue box provided.

If you want to set up payments with another streaming service, you’ll go through a similar set of steps.

Security measures

Netflix employs many of the same security measures used for online shopping and other streaming platforms. This includes only saving a scrambled version of your credit card number and alerting you if suspicious payments are made using your account.

Netflix also offers strict password requirements for your account, the option of adding your phone number to confirm account details and a responsible security and research disclosure that’s designed to help it continually improve security.

Additionally, Netflix’s cancellation process is fairly straightforward and you can cancel at any time.

Can I access Netflix without a credit card?

Fortunately, Netflix does not require you to use a credit card to make an account. There are several ways to access Netflix without one, including:

  • Netflix gift cards. These are sold at a number of retailers, including Woolworths, Coles and Officeworks. They allow you to prepay for your own subscription or gift a subscription to someone else.
  • PayPal. Netflix accepts PayPal as a payment option, allowing you to link your PayPal account to your Netflix account. This means you can pay for your Netflix subscription with a credit card, debit card or bank account – as long as it has been added to your PayPal account.
  • Partner billing. Some service providers sell Netflix subscriptions as part of their broadband packages. If you’re getting Netflix through a provider like Aussie Broadband or Fetch TV, your Netflix subscription will be processed through your provider, using the payment method you use with it.
  • Debit cards. If you have a Visa or Mastercard debit card that accepts recurring ecommerce transactions, you can use it for your Netflix billing.
  • Prepaid debit cards. If you want to use a prepaid card to pay for Netflix, acceptance will depend on whether the card provider allows the transaction. You can find out by asking the card provider or by entering the details on the Netflix payment page. If the authorisation request from Netflix is approved on your prepaid card account, you can continue to use it for Netflix billing. Alternatively, you could contact the card’s provider to see if this type of payment is available.

Why is Netflix not accepting my card?

There are many reasons why Netflix might not accept your card, but according to the platform, the two most common are:

  • Payment declined. This could be because you have insufficient funds in your account, your card has expired or some other reason. Netflix recommends that you contact your bank.
  • Billing date issues. If the date that you pay off your credit card is different to your Netflix billing date, your credit card limit may have been exceeded in the period between them. Try making a payment to free up your credit card limit before attempting to pay for Netflix again.

If neither of these reasons apply, you should contact Netflix directly for assistance, either by phone on 1800 875 462 or through the live chat on Netflix’s help page.

What else should I think about before using a credit card for Netflix?

If you’re getting ready to set up your Netflix account with a credit card, the following factors can help you earn rewards and avoid added costs:

  • Reward points. If you have a reward or frequent flyer credit card, you’ll earn points on your monthly payments to Netflix. This could help you reach your rewards goal faster.
  • Interest charges. When your Netflix payments are added to your credit card account, they will be charged interest at the card’s purchase interest rate. This will add to your balance, unless you are eligible for an interest-free period.
  • Updating your card details. If you want to switch credit cards, remember to cancel your recurring payment for Netflix and move it to the new card. Check out this Finder guide to learn more about how to transfer direct debit and recurring payments from one credit card to another.

Compare credit cards for online payments and shopping

Data indicated here is updated regularly
$
Name Product Purchase rate Balance transfer rate Annual fee Interest-free period Amount saved
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Up to 55 days on purchases
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Up to 55 days on purchases
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
0.9% p.a. for 15 months
$99
Up to 55 days on purchases
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$49
Up to 55 days on purchases
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
Bankwest Breeze Platinum Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$69
Up to 55 days on purchases
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 annual fee for the first year ($129 p.a. thereafter)
Up to 55 days on purchases
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Up to 55 days on purchases
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Up to 55 days on purchases
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
Bendigo Bank Low Rate Credit Card
0% for 15 months, reverts to 11.99% p.a.
13.99% p.a.
$45
Up to 55 days on purchases
Get 0% p.a. interest on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days.
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Foreign currency conversion fee Overseas ATM withdrawal fee Purchase rate Annual fee
Bankwest Zero Platinum Mastercard
0%
$0
17.99% p.a.
$0
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bankwest Breeze Platinum Mastercard
0%
$0
0% for 15 months, reverts to 10.99% p.a.
$69
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Coles Rewards Mastercard - Exclusive Offer
0%
$5
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Citi Rewards Card - Flybuys Offer
75,000
flybuys,Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Citi Rewards Card - $500 Voucher Offer
N/A
Citi Rewards Program
1
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Suncorp Clear Options Platinum Credit Card
100,000
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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