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Finding the best credit card for Netflix and internet tv subscriptions

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 watching TV.

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?

Compare rewards credit cards

Rates last updated September 20th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
70,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 70,000 bonus Velocity Points (20,000 points when you spend $1,500/month in the first 3 months plus 10,000 points after the first anniversary).
ANZ Frequent Flyer Black
100,000 bonus points
Qantas Frequent Flyer
1
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points & $200 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
NAB Qantas Rewards Signature Card
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90,000 when you spend $3,000 on eligible purchases in the first 60 days and 30,000 after 12 months.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
30,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.

Compare up to 4 providers

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 cards

Rates last updated September 20th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
Latitude Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% for 13 months, reverts to 20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$45 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Take advantage of 0% p.a. for 18 months on balance transfers, plus a low variable purchase interest rate of 11.99% p.a. on purchases.
St.George Vertigo Classic - Exclusive Offer
0% for 14 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
St.George Vertigo Platinum
12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months
Features a long-term 0% balance transfer offer, $49 first year annual fee and access to a 24/7 personal concierge service.
BOQ Low Rate Visa Credit Card
13.49% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 14 months
A no-frills card offering 0% on balance transfers for the first 14 months with no balance transfer fee. Plus, a competitive purchase interest rate.
St.George Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Get 0% p.a. interest for up to 16 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Bank of Melbourne Vertigo Platinum
12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Bank of Melbourne Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Enjoy 0% p.a. interest for up to 16 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
BankSA Vertigo
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.

Compare up to 4 providers

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.

Compare interest-free cards

Rates last updated September 20th, 2019
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate Annual fee Interest Free Period Amount Saved
St.George Vertigo Classic - Exclusive Offer
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Up to 55 days on purchases
Citi Rewards Platinum Credit Card - Exclusive Offer
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
0% for 13 months, reverts to 20.99% p.a.
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Up to 55 days on purchases
HSBC Platinum Credit Card
0% p.a. on purchases and balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$129 p.a.
Up to 55 days on purchases
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 44 days on purchases
Westpac Low Fee Platinum Card
Save with a $0 first year annual fee and a 0% p.a. interest rate for 9 months on purchases with platinum perks.
0% for 9 months, reverts to 20.09% p.a.
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Up to 55 days on purchases

Compare up to 4 providers

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 September 20th, 2019
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate Product Description
Latitude 28° Global Platinum Mastercard
$0 p.a.
21.99% p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Citi Clear Platinum Credit Card
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
12.99% p.a.
0% p.a. for 14 months
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
ME frank Credit Card
$0 p.a.
11.99% p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
St.George Vertigo Classic - Exclusive Offer
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
HSBC Platinum Qantas Credit Card
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
19.99% p.a.
0% p.a. for 12 months
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
20.99% p.a.
0% p.a. for 26 months with 1.5% balance transfer fee
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 first year annual fee.
BOQ Platinum Visa Credit Card
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
20.74% p.a.
0% p.a. for 12 months
Enjoy 1,000 bonus Q Rewards points monthly when you meet the spend requirement, a 12-month balance transfer offer and $0 first year annual fee.
Virgin No Annual Fee Credit Card
$0 p.a.
18.99% p.a.
6.9% p.a. for 36 months
Offers 6.9% p.a. for 36 months on balance transfers and up to 44 days interest-free on purchases, all for a $0 annual fee.
BankSA No Annual Fee
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Offers a 0% p.a. for 12 months balance transfer, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
Bank of Melbourne No Annual Fee Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Take advantage of 0% p.a. for 12 months on balance transfers, up to 55 days interest-free on purchases and no annual fee for the life of the card.
St.George No Annual Fee
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
NAB Low Rate Business Card
$0 p.a. annual fee for the first year ($60 p.a. thereafter)
0% for 12 months, reverts to 13.25% p.a.
Save with 0% p.a. interest for 12 months on purchases and receive complimentary unauthorised transaction insurance. ABN required.
Westpac Low Fee Platinum Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
0% for 9 months, reverts to 20.09% p.a.
Save with a $0 first year annual fee and a 0% p.a. interest rate for 9 months on purchases with platinum perks.

Compare up to 4 providers

Learn more about no annual fee cards

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.

Images: Shutterstock

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