NZ Debit & Credit card online casinos
Credit and debit card casino payments are the most popular payment option online. Let's face it, everyone has one. Transactions are simple to set up, limits are lucrative and there are no hidden fees.
Finding an online casino that takes debit or credit cards in New Zealand won't be hard. As for picking out the best, this is where things can get a little tricky.
Our experts have reviewed 100+ sites and taken into account key criteria like minimum deposit limits, withdrawal times, fees and of course safety. Here's our take on the best online casinos that accept credit and debit cards in NZ.
Best casinos that accept Credit and Debit cards in September 2024
Credit & Debit card online casinos to avoid
Not all online casinos that accept debit and credit cards are cut from the same cloth. Some fall short of our experts’ standards in terms of the overall gambling experience. Currently we recommend that players give a wide berth to the below sites.
Features of the top casino sites that take credit and debit cards
What should you look for when playing at a casino that accepts debit and credit cards? A good gambling site needs to have more going for it than the fact that it offers card casino payments. Here are the features to expect.
? NZ Debit card casinos | 40+ |
??? NZ Credit card casinos | 40+ |
? Minimum deposit | NZ$10+ |
?? Maximum cashout limits | NZ$1,000 – NZ$4,000 |
? Average payout speeds | 3 - 5 days |
?? Fees | No fees |
?? Other payment options | Neteller, Paysafecard, Apple Pay |
?? Best Debit & Credit card online casino | |
?? Best for fast payouts | JustCasino |
How we rate these casinos
Our online casino reviews follow a very specific set of criteria, and this also applies when we’re rating sites that accept online casino credit card and debit card payments. Our team of experts rigorously tests all those features that can make or break a player’s gambling experience, so as to ensure that our recommended credit card casinos are 100% safe and reliable.
Below, we delve into each criterion so as to help you understand the process that keeps our reviews honest and transparent.
Payout speeds
When playing at the best credit card casinos we accept you to be able to cash out your winnings without any fuss and with the minimum of transaction periods. Debit and credit card withdrawals are by their very nature not the fastest payout option. This is because the banking process itself takes a longer amount of time than, say, an e-wallet cash out does.
Because of this, we look for sites that have streamlined the process to make it as speedy as possible. Thus, sites like Spin casino which promise VISA and Mastercard withdrawals within 72 hours, score higher than Tonybet, where it can take up to five days for your money to be transferred from your online casino account.
Minimum Deposit
When scoring top online casinos that take credit and debit cards, our experts like to see a reasonable minimum deposit requirement that allows low-rollers to enjoy gambling without having to exceed their budget. Minimum online casino deposits at NZ online casinos tend to range between NZ$10 and NZ$20.
A few sites, like JackpotCity, score very highly as they accept credit card deposits of NZ$5. But our absolute favourites are the $1 minimum deposit casinos like Spin, as these are the most budget-friendly.
Transaction Limits
One of the biggest advantages of using online casinos that accept credit cards is that online payments typically comes with very generous deposit and cashout limits. Credit card companies and banks operate with a very secure structure, which is why online gambling sites do not have an issue with large transfers.
Given this, we look for online casino credit card sites that offer a wide range of limits that also accommodates high rollers. Spinz, for instance, which lets you withdraw NZ$4,000, scores higher than Winawin, which has a limit of NZ$1,500, in this regard.
We also prefer sites that allow low NZ$10 withdrawals, like Betway. These score higher than sites like Spinz, which won’t allow you to cash out anything under NZ$20.
Fees
Of course, banks have to make money so there are fees associated to debit and credit card transactions. These typically range between two to three per cent. Does this mean you’ll need to pay this amount if you make a credit card deposit?
Not quite. The question that our experts ask is: who has to pay the fee? We only recommend a debit or credit card casino if it absorbs any related costs. If it passes them on to the player, then it’s not getting our seal of approval. We can recommend Casinoly as a top online casino where you won’t be charged for the privilege of making a credit card payment.
Overall cashier experience
When rating the top credit card casinos and casinos that take debit cards, our experts test the overall cashier experience multiple times.
We look for sites where the banking terms are very easy to find and clearly explained. A good example in the NZ online gambling industry is Wildz casino, where you will find detailed banking information without even the need to log in. If you’re going to have to conduct a treasure hunt just to find the maximum withdrawal limit, then we’re definitely going to penalise a site for that.
Credit & Debit card casino bonuses
Credit and debit card deposit bonuses aren’t really a thing at New Zealand casinos, so you won’t find any special promotions related to this payment method. However, all credit and debit card online casinos recommended by us offer a generous range of promotions. Plus, unlike some payment options like specific e-wallet, if you deposit funds using casino credit cards, you'll still be eligible for any bonuses.
Our highest scorers are sites like Quickwin, which rewards new players with a big welcome bonus of 100% up to NZ$1,000 and 200 free spins while keeping to very reasonable wagering requirements of 35x. Quickwin also offers excellent loyalty promotions that include reloads, cashbacks and live casino offers, which is why we score it so highly.
Safety
Safety and security are a huge priority for our experts when rating credit card casino sites. At the very least, a site must be licensed by a reputable gambling regulator like the Malta Gaming Authority.
It’s also worth noting that the major credit and debit cards won’t work with a less-than-reputable site, so seeing the presence of big brands like VISA and MasterCard is a huge vote of confidence for us at operators.
Other than that, we ensure that you only play online casino games that are fair and wins are randomly generated. Displaying the eCOGRA auditing seal, like Betway does, is one way of impressing our experts.
Overall Neteller casino rating
The debit and credit card gambling sites that score high with our experts are those that offer an overall pleasant experience. We look for intuitive UX and a user-friendly platform that doesn’t stress us out when trying to find our favourite online casino games.
We also want to know that, should an issue crop up, we will find speedy assistance. This is why we favour sites with excellent customer support in the shape of 24/7 live chat, such as that offered by Wildz.
How Credit & Debit card casinos work – is there a difference?
Debit and credit card payments are very popular with Kiwi players. But are online casinos that accept debit cards the same as online casino credit card sites? For all practical purposes, yes, even though the banking technicalities are slightly different.
The two banking options come with identical terms and conditions, as well as transaction limits, whether your card offers a credit or debit facility. Let’s take a look at the main differences below:
Credit cards
These allow you to fund your account by borrowing credit from the bank via your chosen card. The main thing to remember here is to always gamble online responsibly, and not get carried away spending more than you can afford to pay back. This is why we tend to recommend debit over credit card casino payments if given the choice.
Debit cards
An online casino debit card deposit works exactly in the same way as a credit card payment. The only difference is that your card uses funds that you have already deposited into your account for any online purchases, rather than giving it to you on credit. This is a better option for those who want to keep control over their expenditure.
Apart from the above, there is no practical difference between online casinos that accept debit cards and one that accepts credit cards. Thus, if you see the VISA logo at your chosen site, the operator will accept both versions.
Card casino payments - key details
So you found an online casino credit card site that you’d like to try but you’re unsure of how to go about it? The process is a very easy one, and you can simply use your existing banking account to play at a casino that accepts credit cards.
How to make a casino deposit using Credit & Debit cards
Debit and credit card deposits work in a very straightforward fashion. The process is exactly the same as when you use your card at other shopping sites. Follow our step-by-step guide below and you can’t go wrong.
- 1Follow the link to one of our recommended sites: These will all let you make credit and debit card payments.
- 2Register with the casino: You’ll be asked for some details like name, surname and contact information.
- 3Navigate to the cashier section: This is usually on the top right of the screen. Most sites also display a ‘deposit’ sign prominently.
- 4Choose your deposit method from the drop down menu: You’ll find a list of brands like Mastercard or VISA at most casinos.
- 5Supply your banking information: You’ll need to input your debit or credit card details here.
- 6Wait for the bank’s verification request: This can be sent as a notification on your phone or as an e-mail.
- 7Key in the amount for your credit card casino deposit: This will appear instantly in your account, so you can start playing immediately.
How to make a Debit & Credit card casino withdrawal
First of all, be aware that when using an online casino credit or debit card you won’t always be able to use it both for deposits and withdrawals. For example, Spinz allows both withdrawals using VISA, but not Mastercard. Check the terms and conditions before following the guide below.
- 1
Navigate to the Cashier section of your chosen casino
Click on ‘withdrawal’, and you’ll have access to a menu of options.
- 2
Pick your preferred debit or credit card
The banking information will be saved from when you made your deposit.
- 3
Key in the amount you wish to withdraw
Check your account to make sure there are enough funds and that you have met any wagering requirements.
- 4
Finalise the transaction
You may be asked for verification documents, if you haven’t yet provided them.
- 5
Wait for the money to appear in your account
In the majority of cases, this shouldn’t take longer than 3 days.
Additional transaction details
There’s a vast variety of credit and debit cards that you can use to fund your online casino credit card account, such as the below:
- Standard debit cards – regular cards issued by your bank and linked to your current or savings account.
- Virtual debit cards – these function like standard ones, but only exist digitally for extra security.
- Standard credit cards – regular credit cards where the bank loans you the money that’s repayable monthly.
- Secured credit cards – in this case, the bank will require a deposit before issuing you with credit.
- Virtual credit cards – same as virtual debit cards, but working on credit.
- Prepaid debit cards – these are loaded with money before use as they’re not linked to a bank account.
- Gift debit cards – preloaded cards that are bought as a gift by someone else and aren’t tied to a bank account.
All these different options usually come with the same terms and conditions imposed by your chosen casinos that take credit cards. Below, you’ll find an overview of the average times and limits.
- Average deposit time: Instant
- Average withdrawal time: 1 – 3 days
- Minimum deposit limit: NZ$10 – NZ$20
- Maximum deposit limit: NZ$10,000 – NZ$20,000
- Fees: No fees
Debit & Credit card companies – which to use at online casinos
Which cards you opt to use at your chosen site depends largely on your existing banking facilities. The below are the most common online casino credit card options you’ll find.
Kiwibank Zero VISA
A sub-brand of VISA, these are available exclusively to NZ players. Their popularity stems largely from the fact that they don’t have an annual fee and the credit is available at 0% interest for 55 days.
Are card casino payments worth it – pros & cons?
So should you try your luck at online casinos that accept debit and credit cards? Let’s take a look at some pros and cons to help make up your mind.
Pros
- Most of our top recommended sites are casinos that take credit and debit cards.
- You probably already own a debit or credit card, so all you need to do is link them to your casino account.
- Our best online casino credit and debit card sites won’t charge any fees for this payment method.
- It’s difficult to find a more secure banking method.
- Low minimum payments start from NZ$5 at our favourite casinos.
- Very high transactions limits that go up to thousands.
Cons
- Withdrawals are not the speediest due to the banking processes. You may need to wait up to three days.
- 'Credit cards accepted' sometimes refers only to deposits and you’ll need to withdraw with a different method.
Try these casinos payment methods instead
Credit and Debit card casino FAQs
What is the best gambling site that accepts credit cards?
Our experts currently recommend Jackpot City Casino to players wishing to play at a casino that accepts credit and debit cards. After rigorous testing it has been found to offer the best gambling experience in NZ. If you’d like more options, check out our list of best online casino credit card sites.
Can you use a debit card for online casino transactions?
Yes, you can use a debit card at all the NZ online casinos that we recommend on this guide. These sites all accept the most popular debit card brands like VISA and Mastercard. To play at any of these sites, follow the links directly from our experts’ list of online casinos that accept debit cards.
Do casinos accept credit cards?
Yes, the vast majority of online casinos in New Zealand accept credit cards as these are a very popular digital payment option with Kiwi players. If you’d like to learn more about where you can play real money games using your card, check out our curated list of casinos that take credit cards.
What is a credit card casino?
A credit card casino is one that accepts bank cards like debit and credit cards on its list of banking options. Some sites will allow you to make a deposit and to withdraw your winnings using this method. Others may ask you to choose a different method when it comes to cashing out. Find out more in our section detailing how credit card casinos work.
What credit cards allow you to gamble?
NZ online casinos accept a variety of cards as payment methods. The most popular brands end to be VISA and Mastercard, both in debit and credit format as well as in pre-loaded format. Other popular brands with Kiwi players are American Express and Kiwibank Zero Visa. Find out more in our section about credit and debit card companies.
Can you play slots with debit card?
Yes, you can play slots and any other online casino game at a gambling site that accepts debit cards. First check the banking options to make sure that your card is accepted. If it is, head over to the cashier section to make a deposit using this method, and then you can navigate straight to your favourite real money pokies to lay down a wager.
Written by Ramona Depares
Ramona Depares is an award-winning journalist focused on cultural and entertainment related content. Based in the Mediterranean gaming hub of Malta, she has taken a deep interest in gambling related news since the earliest days and has seen the global landscape evolve. Ramona specialises in the legal and regulatory aspects of gaming across multiple jurisdictions, with specific interest in NZ and US markets. She is also a best-selling author of fiction and non-fiction books.