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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 December 17th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Qantas Premier Platinum
100,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
Westpac Altitude Platinum Card - Qantas
60,000 bonus points
Qantas Frequent Flyer
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Qantas Premier Everyday
20,000 bonus points
Qantas Frequent Flyer
0.75
0% p.a. for 9 months (reverts to 19.99% p.a.)
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.

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 December 17th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
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.
Bank First Visa Classic Credit Card
0% p.a. for 6 months (reverts to 12.94% p.a.)
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Save with a $0 annual fee for life and enjoy 0% p.a. introductory rate for 6 months on purchases and balance transfers.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
St.George Vertigo Classic
13.74% 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 BT fee. Plus, a competitively low annual fee and purchase rate.
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
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 6 months with 2% balance transfer fee
This card offers a low introductory rate of 0% p.a. for 6 months on purchases. Plus 0% p.a. on balance transfers for 6 months.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
Up to 55 days on purchases
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
A platinum card that offers 0% p.a. for 9 months on purchases. Plus 0% p.a. on balance transfers for 6 months.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
Up to 55 days on purchases
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
Bank of Melbourne Vertigo Classic
13.74% 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 with no BT fee. Plus, a competitively low annual fee and purchase rate.
Bank of Melbourne Vertigo Platinum
12.74% 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 26 months with 2% balance transfer fee
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
BankSA Vertigo Classic
13.74% 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.
Westpac 55 Day credit card - Online Offer
0% p.a. for 13 months (reverts to 19.84% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Save with 0% p.a. interest for the first 13 months on purchases and a $0 first year annual fee.

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 December 17th, 2018
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
Citi 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% p.a. 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
Virgin Australia Velocity Flyer Card - Exclusive Offer
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
0% p.a. 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
Bank First Visa Classic Credit Card
Save with a $0 annual fee for life and enjoy 0% p.a. introductory rate for 6 months on purchases and balance transfers.
0% p.a. for 6 months (reverts to 12.94% p.a.)
0% p.a. for 6 months
$0 p.a.
Up to 55 days on purchases
Qantas Premier Everyday
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
0% p.a. for 9 months (reverts to 19.99% p.a.)
0% p.a. for 9 months
$49 p.a.
Up to 55 days on purchases
Westpac 55 Day credit card - Online Offer
Save with 0% p.a. interest for the first 13 months on purchases and a $0 first year annual fee.
0% p.a. for 13 months (reverts to 19.84% p.a.)
$0 p.a. annual fee for the first year ($30 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 December 17th, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
Bank First Visa Classic Credit Card
$0 p.a.
0% p.a. for 6 months (reverts to 12.94% p.a.)
0% p.a. for 6 months
Save with a $0 annual fee for life and enjoy 0% p.a. introductory rate for 6 months on purchases and balance transfers.
Bendigo Bank Low Rate Mastercard
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
11.99% p.a.
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Westpac 55 Day credit card - Online Offer
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
0% p.a. for 13 months (reverts to 19.84% p.a.)
Save with 0% p.a. interest for the first 13 months on purchases and 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.
Westpac Low Rate Card
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Platinum Credit Card
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Woolworths Everyday Platinum Credit Card - Finder Only Offer
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
2.99% p.a. for 18 months
Finder only: Offers a $50 eGift Card, 4,000 bonus Credit Card points and a $0 first year annual fee. Plus, 10% off your shop once a month.
Skye Mastercard
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
23.99% p.a.
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year.
28 Degrees Platinum Mastercard
$0 p.a.
21.99% p.a.
4.99% p.a. for 6 months
Designed for travel, benefit from 0% foreign transaction fees on purchases, a $0 annual fee for life and a personal concierge service.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Velocity Escape Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Westpac Altitude Platinum Card
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
20.24% p.a.
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
Bank of Melbourne Amplify Platinum
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
19.49% p.a.
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days. Plus, enjoy a $0 first year annual fee and uncapped rewards points.
St.George Amplify Platinum
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
19.49% p.a.
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days and save with a $0 annual fee for the first year.
BankSA Amplify Platinum
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
19.49% p.a.
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days and save with a $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 a balance transfer rate of 6.9% p.a. interest for 36 months and up to 44 days interest-free on purchases, all for a $0 annual fee.

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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Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate

12.99

Annual fee

0*

*$99 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58
Suncorp Clear Options Platinum Credit...

Interest rate

20.74

Annual fee

49*

*$129 p.a. after first year

NAB Low Fee Platinum Card

Interest rate

19.74

Annual fee

90

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