RBI's e-mandate rules trip up Netflix's auto-renewal flow on Indian cards constantly. Here's the workaround that keeps renewals working every month.
Why Indian cards fail on Netflix's auto-renewal
RBI's additional-factor-authentication rules for recurring payments mean every auto-debit above a small threshold needs a registered e-mandate with an alert sent before each charge. Netflix's billing system doesn't always interoperate cleanly with every Indian bank's e-mandate flow, so renewals silently fail even when you have sufficient balance. On top of that, a standard Indian debit or credit card adds a 3.5% forex markup on Netflix's USD-equivalent billing.
The fix: a virtual Visa that isn't subject to RBI's e-mandate friction
GetPlu issues a virtual Visa funded in advance via UPI, IMPS, or USDC/USDT - so when Netflix charges the card, it's a standard international authorization rather than a domestic recurring e-mandate, which sidesteps the additional-factor-authentication bottleneck entirely. Because the card is USD-denominated and zero-forex, there's no 3.5% markup either.
Step by step
1. Sign up at app.getplu.com with your passport or government ID - no Indian bank account required.
2. Fund the card via UPI/IMPS, or USDC/USDT if you already hold stablecoins.
3. Issue a virtual Visa and copy the card number, expiry, and CVV.
4. On Netflix, go to account → payment method → add card, and confirm.
5. Keep a balance buffer above the monthly plan price so renewals don't lapse mid-cycle.