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

Credit cards are a simple and convenient way to pay for Netflix. Here's how to set it up and what you can do if you don't have one.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Want to access all the shows that Netflix has to offer, but not sure how to pay for it? Here’s what you need to know about using a credit card or to sign up for Netflix. Plus, options to pay without 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 (direct debits) – 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.

Compare credit cards for online payments and shopping

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Kogan Money Black Card - Exclusive Offer
20.99% p.a.
Up to 55 days on purchases
0% p.a. for 30 months
$0
0% Balance Transfer Offer & $50 Kogan.com Credit
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 36 months
$29 annual fee for the first year ($129 p.a. thereafter)
0% Balance Transfer Offer & $29 First-Year Annual Fee
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Citi Premier Qantas Card
21.49% p.a.
Up to 55 days on purchases
0% p.a. for 6 months
$175 annual fee for the first year ($350 p.a. thereafter)
100,000 Bonus Qantas Points & First-Year Annual Fee Discount
Get 100,000 bonus Qantas Points when you spend $4,000 in the first 90 days and a first-year annual fee discount.
St.George Vertigo Card
13.99% p.a.
Up to 55 days on purchases
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
Long-Term 0% Balance Transfer Offer & $0 First-Year Annual Fee
Get a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
Qantas American Express Ultimate Card
20.74% p.a.
Up to 44 days on purchases
$450
100,000 bonus Qantas Points
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Citi Clear Card - Balance Transfer Offer
14.99% p.a.
Up to 55 days on purchases
0% p.a. for 36 months
$99
Long-Term 0% Balance Transfer Offer
Offers 0% p.a. on balance transfers for 36 months with no balance transfer fee. Plus, complimentary insurance covers.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
90,000 Bonus Points & First-Year Annual Fee Discount
Earn 90,000 bonus Qantas Points when you spend $3,500 in the first 3 months and save with a reduced first-year annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
0% p.a. for 28 months
$0 annual fee for the first year ($129 p.a. thereafter)
$0 First-Year Annual Fee & Balance Transfer Offer
Get 0% p.a. on balance transfers for 28 months (with no BT fee). Plus, $0 annual fee in the first year. Ends 31 January 2022.
NAB Low Rate Credit Card
12.99% p.a.
Up to 55 days on purchases
0% p.a. for 32 months
$0 annual fee for the first year ($59 p.a. thereafter)
0% Balance Transfer Offer & $0 First-Year Annual Fee
Get a 0% interest rate on balance transfers for the first 32 months (with no BT fee). Plus, save with a $0 first-year annual fee.
Westpac Low Rate Card - Cashback Offer
13.74% p.a.
Up to 55 days on purchases
6.99% p.a. for 12 months
$0 annual fee for the first year ($59 p.a. thereafter)
$400 Cashback & $0 First-Year Annual Fee
Get $400 cashback when you spend $4,000 on eligible purchases within the first 4 months. Plus, a $0 first-year annual fee.
ANZ Frequent Flyer Platinum
20.24% p.a.
Up to 55 days on purchases
20.24% p.a.
$0 annual fee for the first year ($295 p.a. thereafter)
70,000 Bonus Points & $0 First-Year Annual Fee
Now offering Cashrewards Max. Receive 70,000 bonus Qantas Points when you spend $2,500 on eligible purchases within 3 months. Plus, a $0 first-year annual fee.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 110,000 bonus Qantas Points & First-Year Annual Fee Discount
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
Qantas American Express Premium Card
20.74% p.a.
Up to 44 days on purchases
$249
70,000 Bonus Points
Enjoy 70,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
Bendigo Bank Low Rate Credit Card
0% p.a. for 18 months, reverts to 11.99% p.a.
Up to 55 days on purchases
13.99% p.a.
$45
Long-Term 0% Purchase Offer
Save on interest costs with 0% p.a. on purchases for up to 18 months (reverts to 11.99% p.a.). Plus, a $45 annual fee.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
0% p.a. for 30 months
$0 annual fee for the first year ($58 p.a. thereafter)
0% Balance Transfer Offer & $0 First-Year Annual Fee
Now eligible for Cashrewards Max. Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Westpac Altitude Black
19.99% p.a.
Up to 45 days on purchases
0% p.a. for 24 months with 1% balance transfer fee
$99 annual fee for the first year ($250 p.a. thereafter)
180,000 Bonus Points & First-Year Annual Fee Discount
Earn 180,000 bonus Altitude Points when you spend $6,000 within the first 120 days. Plus, save with a reduced first-year annual fee.
Latitude GO Mastercard
19.95% p.a.
Up to 55 days on purchases
$107.40
Up to 55 days Interest-free
Choose from 3 interest-free payment plans and and save with a $0 monthly fee when you carry a balance of less than $10.
Citi Rewards Card - Purchase and Balance Transfer Offer
0% p.a. for 14 months, reverts to 21.49% p.a.
Up to 55 days on purchases
0% p.a. for 14 months
$49 annual fee for the first year ($149 p.a. thereafter)
Long-Term 0% Purchase and Balance Transfer Offer
Save with 0% on purchases and balance transfers for 14 months with no balance transfer fee. Plus, $49 first-year annual fee.
St.George Vertigo Card - Purchase Offer
0% p.a. for 18 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
Long-Term 0% Purchase Offer & $0 First-Year Annual Fee
Save with a 0% interest rate on purchases for 18 months and a $0 annual fee for the first year.
American Express Qantas Business Rewards Card
0% p.a.
Up to 51 days on purchases
$0 annual fee for the first year ($450 p.a. thereafter)
150,000 Bonus Points Offer & $0 First-Year Annual Fee
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, save with a $0 annual fee for the first year.
loading

Compare up to 4 providers

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site