Finding the best credit card for Netflix and internet tv subscriptions

Information verified correct on December 6th, 2016

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What's the best way to fund your binge-watching habits?

Netflix is here. The pricing has been announced and the TV show and movie library has been released and pored over by every Australian keen to get their money's worth. So if you're ready to sign up — maybe you already have — there are definitely ways to get more bang for your buck when it comes to your Netflix subscription, and that comes down to how you're paying for it. Not sure what Internet TV provider to sign up with? Let us help you decide with the ultimate guide.

Be rewarded while you do nothing

What's this called again? Oh, yeah: LIVING THE DREAM! Link your rewards credit card to your Netflix subscription account and you'll earn points for every minute of TV you watch.

How to choose the *best rewards credit card:

  • Check the earn rate. How many points will you earn for each dollar you spend?
  • How much does the card cost you to own? The annual fee and interest rate can also end up costing you, so be sure to check these are competitive.

 How do you want to be rewarded?

Rates last updated December 6th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

Compare more rewards credit cards here

A low rate card gives you a lower cost option to support your Netflix habits

If you need a credit card to link to your Netflix account and want to use it for other spending as well, think about how you'll be managing your repayments. If you don't think you'll be repaying your balance in full each month, then a low rate card could support your spending without charging you too much interest.

What to look for:

  • The other costs of the card. Is there an annual fee? Does the card have a rewards program, and do you have to pay for it? What will you be charged for balance transfers?
Compare low rate card options
Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Pepper Money Advantage Full Doc Plus Home Loan
A full doc loan with low monthly fee.
$995 $15 monthly ($180 p.a.) 80% More info

Learn more about low rate cards

Enjoy an interest-free line of credit

Want to link a credit card to your account but don't want to pay interest? You can take up a credit card with a purchase rate offer to enjoy interest-free spending for a limited amount of time. For example, you could get up to 13 months of 0% p.a. for your new Netflix account.

Things to keep in mind:

  • Credit card features. Other than the purchase rate offer, does the card come with any other features? Balance transfer offers, rewards points, complimentary insurances and even concierge services could all be available with your new 0% purchase card, so be sure to check.
  • Revert rate. What purchase rate applies when the introductory period is over? Check it's competitive because that's what rate will apply to any unpaid balance as well as ongoing purchases after the promotional period ends.
Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.55% 3.57% $0 $0 p.a. 90% Go to site More info
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)
Low variable rate for new purchases as well as no application or ongoing fees. Special offer ends 15 December.
3.39% 3.41% $0 $0 p.a. 80% Go to site More info
State Custodians Standard Variable Spring Special - LVR 80% (Owner Occupier)
Special Owner Occupier Rate. Free Offset Account.
3.59% 3.92% $0 $299 p.a. 80% Go to site More info
Greater Bank Ultimate Home Loan - Discounted 1 Year Fixed ($150K+ Owner Occupier)
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.59% 4.42% $0 $375 p.a. 85% Go to site More info

What cards offer you 0% p.a. for up to 13 months?

Why pay for a credit card at all?

Well, not at all — you'll still need to repay your balance — but if you're just going to be using your card for basic spending, why pay for it? Choose a card with no annual fee.

What to check when you're comparing: 

  • What rates apply? Look over the purchase rate, balance transfer rate (if you plan to use it) and the cash advance rate to ensure they're competitive.
  • Do you get any extra features? Just because no annual fee is charged, that doesn't mean there are no other features on offer. Rewards programs, bonus points, complimentary insurances and the like can all be available.
No annual fee card options
Rates last updated December 6th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.55% 3.57% $0 $0 p.a. 90% Go to site More info
3.74% 3.74% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - New Purchases Only Up to 80% LVR (Owner Occupier, P&I)
Low variable rate for new purchases as well as no application or ongoing fees. Special offer ends 15 December.
3.39% 3.41% $0 $0 p.a. 80% Go to site More info
State Custodians Standard Variable Spring Special - LVR 80% (Owner Occupier)
Special Owner Occupier Rate. Free Offset Account.
3.59% 3.92% $0 $299 p.a. 80% Go to site More info
ClickLoans The Online Home Loan - Owner Occupier ≤ 80% LVR
Enjoy a competitive interest rate when you have a deposit of at least 20%.
3.69% 3.69% $0 $0 p.a. 80% Go to site More info

Learn more about no annual fee cards

Back to top

How to pay for Netflix

Netflix is offering all new sign-ups a free month trial to get a feel for the new Internet streaming service. When you sign-up you have the option to input your credit card details — Visa, MasterCard and American Express are all available — or to continue to PayPal. If you want to use PayPal to pay for your subscription, you can still take advantage of credit card benefits by linking your card to your PayPal account. If you have a rewards credit card, be sure to double check the terms and conditions to ensure you'll still receive your points.

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