Finding the best credit card for Netflix and internet tv subscriptions

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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 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 April 24th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year. Ends 30 June 2018.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points. Ends 30 June 2018.
Westpac Altitude Black
80,000 bonus points
Westpac Altitude Rewards


1.25
20.24% p.a.
$250 p.a.
Earn 80,000 bonus Altitude Points when you spend $5,000 on eligible purchases. Plus, 2 yearly Priority Pass lounge invitations.

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 April 24th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
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.
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
Save money with a $0 annual fee for life, the same low 11.99% p.a. interest rate on purchases and balance transfers and up to 55 days interest-free.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 20 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 30 April 2018.
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 discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months on balance transfers. Ends 30 June 2018.
St.George Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Offers a 0% for 24 month balance transfer option, up to 55 days interest-free on purchases and a competitve 13.49% p.a. purchase interest rate.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 15 months
Enjoy 0% p.a. on balance transfers for 15 months with no BT fee, combined with platinum card privileges and complimentary insurances.
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.
BankSA Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.
St.George Rainbow Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
Available until 26 September 2018, all the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 1% balance transfer fee
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
Bank of Melbourne Vertigo Visa Credit Card
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
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 and has Mastercard PayPass.

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 April 24th, 2018
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Offer ends on 30 June 2018.
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Up to 44 days on purchases
NAB Low Rate Platinum Card
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
0% p.a. for 9 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$100 p.a.
Up to 55 days on purchases
NAB Low Rate Credit Card
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
0% p.a. for 6 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
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 April 24th, 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 15 months with 1.5% balance transfer fee
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
ME frank Credit Card
$0 p.a.
11.99% p.a.
Save money with a $0 annual fee for life, the same low 11.99% p.a. interest rate on purchases and balance transfers and up to 55 days interest-free.
ANZ Frequent Flyer Black
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
19.99% p.a.
Get 75,000 bonus Qantas Points when you meet the spend requirement, unlimited Véloce airport lounge access 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
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
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.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive a $0 first year annual fee offer, 65,000 bonus Reward Points when you meet the spend criteria and up to 1.5 points per $1 spent.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
St.George Amplify Card
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
19.49% p.a.
3% p.a. for 36 months
Take advantage of 3% p.a. interest on balance transfers for 36 months. Plus, a $0 first year annual fee and Amplify or Qantas Points per $1 spent.

Compare up to 4 providers

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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Related Posts

Credit Card Offers

Important Information*
NAB Low Fee Platinum Card - Exclusive Offer
NAB Low Fee Platinum Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

129
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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