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

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.

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.

Finder survey: Which streaming services are Australians always subscribed to?

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.

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
St.George Vertigo Card	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 32 months, then 21.49%	Annual fee $55	Go to siteMore Info Compare	0% Balance Transfer Offer Get a 0% p.a. interest rate on balance transfers for 32 months (with no balance transfer fee).
Citi Clear Card - Exclusive Offer Exclusive	Purchase rate p.a. 14.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1.5% balance transfer fee, then 22.24%	Annual fee $49 first year ($99 after)	Go to siteMore Info Compare	0% Balance Transfer Offer & First-Year Annual Fee Discount Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee. Plus, 6-month complimentary Uber One membership valued at $9.99/month.
Westpac Low Rate Card	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 28 months, then 21.49%	Annual fee $59	Go to siteMore Info Compare	0% Balance Transfer Offer Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Kogan Money Card – Exclusive Offer ExclusiveKogan Rewards Program	Purchase rate p.a. 20.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 18 months with 1% balance transfer fee, then 21.74%	Annual fee $0	Go to siteMore Info Compare	0% Balance Transfer Offer Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee. Ends 31 January 2024.
American Express Velocity Platinum Card Velocity Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 100,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $375	Go to siteMore Info Compare	100,000 Bonus Velocity Points Partner Offer: Get 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year. Ends 06 February 2024.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Velocity Frequent Flyer	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 0.66	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months, then 20.99%	Annual fee $0 first year ($129 after)	Go to siteMore Info Compare	0% Balance Transfer Offer Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year. Ends 31 January 2024.
humm90 Platinum Mastercard	Purchase rate p.a. 25.8%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 110 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 25.99%	Annual fee $99	Go to siteMore Info Compare	0% Balance Transfer Offer Offers 0% p.a. on balance transfers for 12 months (with no balance transfer fee), instalment plan options and 0% foreign transaction fees.
Qantas Premier Platinum Qantas Frequent Flyer	Purchase rate p.a. 19.99%	Bonus points 80,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months, then 21.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Up to 80,000 Bonus Points Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
NAB Low Rate Credit Card	Purchase rate p.a. 12.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 28 months with 2% balance transfer fee, then 21.74%	Annual fee $0 first year ($59 after)	Go to siteMore Info Compare	0% Balance Transfer Offer Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
American Express Business Explorer Credit Card Membership Rewards Gateway	Purchase rate p.a. 23.99%	Bonus points N/A	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0 first year ($149 after)	Go to siteMore Info Compare	$0 First-Year Annual Fee ABN holders w/ $75,000 revenue. Save with a $0 first-year annual fee and earn up to 2 points on eligible business spending.
Qantas American Express Ultimate Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 100,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $450	Go to siteMore Info Compare	100,000 bonus Qantas Points Get 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Platinum Business Card Membership Rewards Ascent Premium	Purchase rate p.a. 0%	Bonus points 250,000	Points per $ spent 2.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $1,750	Go to siteMore Info Compare	250,000 Bonus Points ABN holders w/ $75,000 revenue. Get 250,000 bonus Membership Rewards points and a $500 Credit when you spend $12,000 in the first 3 months.
American Express Qantas Business Rewards Card Qantas Business Rewards	Purchase rate p.a. 0%	Bonus points 150,000	Points per $ spent 1.25	Interest-free period Up to 51 days on purchases	Balance transfer rate p.a.	Annual fee $450	Go to siteMore Info Compare	150,000 Bonus Qantas Points Offer ABN holders w/ $75k revenue. Earn 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months.
American Express Platinum Card Membership Rewards Ascent Premium	Purchase rate p.a. 0%	Bonus points 200,000	Points per $ spent 2.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $1,450	Go to siteMore Info Compare	Earn 200,000 bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit each year.
Qantas American Express Premium Card Qantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 20,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a.	Annual fee $249	Go to siteMore Info Compare	20,000 Bonus Points Get 20,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.

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