First off, play every day and get the bonus for doing so. Yes the 40 % boost will help, but its pay as you go, and it aint cheap.
As a kiwi you will find options for earning free credits very limited, just the daily vids, 75 credits a week, and for signing up for the surveys you might get a little. So if you want to get better clubs hand in pocket. With that in mind, you should wait till you can buy a nice set to last you for a while, plenty other guys here will help with whats best.