Credit Card Casinos: Definition, How It Works, and The Best Credit Card Casinos

Olivia Kim

If you’re looking for a safe and reliable payment method at an online casino, credit cards are your best option. Not only are almost all major credit cards accepted at the best NZ casinos, but they also employ excellent security features to ensure that your transactions remain secure at all times.

You can even claim specific credit card bonuses when you deposit using this banking method.

In this guide, we look at the best credit card online casino sites and how you can use credit cards to deposit funds and make withdrawals. Let’s get started!

Best Credit Card Casinos

An Overview of Credit Cards

Credit cards are available around the world and allow people to make purchases and pay them off at a later date. This gives people more freedom and flexibility when managing payments and allows them to buy things they otherwise may be unable to.

The majority of online stores and offline retailers accept credit card payments, making it an extremely popular payment method for people. There are various credit card providers, but the most well-known are Visa, Mastercard, and American Express (AMEX).

Can I use a credit card at a casino?

Yes, most online casinos accept credit cards, meaning you can use one to make a deposit or withdrawal. You’ll need to have your credit card details on hand when you make an online casino transaction so that you can confirm the payment.

Most popular types of credit cards accepted at online casinos

The top casino sites for New Zealanders will likely accept various credit cards. New Zealand players can gamble at offshore casinos, meaning they are exposed to a larger variety of payment methods. The most widely accepted credit cards include:

Which credit card should I use?

It entirely depends on your situation. If you’re using a credit card to deposit funds at an offshore casino, then using a card that has no international spending fees is a good idea. If you want more time to pay off your credit card deposits, then opt for a card with longer grace periods so that you have more time between spending at the casino and paying your card off.

When it comes to choosing a credit card provider, it depends on the bank you use. Most people go through their banks to get credit cards and don’t usually have much say in which company will be behind the card they have. If you want a specific type of card, such as Visa, then speak to your bank.

How We Find the Best Credit Card Online Casino Sites

When the team at CasinoCrawlers puts together the list of the best credit card casinos, we consider many factors. In doing so, we ensure that we only recommend the top credit card casinos to Kiwi gamblers. Below are some of the areas we consider when making our choice:

Available credit cards

The first thing we check is that the casino accepts credit cards from various companies. There should be several options, including Visa and Mastercard so that users aren’t limited in their choice.

Fees and limits

Your bank may add fees for credit card transactions, but the casino shouldn’t. The best credit card casinos on our list don’t have additional charges for players who choose credit cards as their payment method. There should also be decent limits so players can deposit the money they want.

Security features

Credit card casinos should have plenty of security features to ensure that credit card transactions are safe. There needs to be SSL encryption which protects your card payments, and a privacy policy that confirms your data won’t be shared with any third parties.


Some casinos that accept credit cards have special bonuses that you can only claim when you deposit using this payment option. We make sure that these bonus deals are generous so that players can increase their bankroll and play more casino games.

creditcard casino

Why You Should Play at a Credit Card Casino

There are plenty of reasons why you should gamble at one of the recommended credit card casinos featured in this guide. First of all, credit cards are widely accepted worldwide, meaning you’ll have more options when choosing a site to play at.

Another reason to gamble at online casinos that accept credit cards is that you’ll enjoy more security when you make payments. Most credit card transactions are protected by the provider, meaning you can get a full refund if you are accidentally overcharged or fall victim to a scam.

Moreover, if you really want to play online casino games but don’t currently have the funds to do so, you can deposit with your credit card and pay off the charges later when it suits you.

Finally, it is easy to make casino deposits with a credit card, and the money will appear in your casino account within a few minutes, allowing you to start gambling!

How to Gamble with a Credit Card

Gambling with a credit card is not too different from other payment methods. You can deposit and withdraw money using your card quickly and easily. Below is a closer look at what you need to do for both deposits and withdrawals.

Making a deposit at a credit card casino

When you play at credit card casinos, you don’t need to wait long after depositing money to start playing games.

Here’s how you can add money to your casino account with a credit card using either your desktop computer or mobile phone:

  1. Access the banking section of your casino account.
  2. Select ‘Deposit.’
  3. Enter the amount you wish to add to your account.
  4. Choose a credit card as your payment method.
  5. Enter your credit card details (usually your card number, expiration date, and card security code.)
  6. Confirm the transaction. Your funds should arrive in your account instantly.

Making a withdrawal

If you want to use the same payment method for withdrawals, you can also use your credit card to withdraw your winnings and send them to your bank account.

Here’s what you need to do:

  1. Go to the casino banking area.
  2. Choose ‘Withdraw funds.’
  3. Select credit card as your withdrawal option.
  4. Enter your credit card details.
  5. Confirm the transactions and wait for the money to arrive in your account.

It’s worth noting that withdrawals usually incur fees from your credit card provider. Make sure you research these before transferring funds from your casino account to your credit card account.

Pros and Cons

It's always a good idea to weigh up the pros and cons of any payment method before using it to make gambling deposits. Here are the main advantages and disadvantages you should be aware of when making a deposit or withdrawal with online casino credit cards.


  • Deposit and withdrawal time is quick.
  • Your transactions are safe.
  • There are no credit card fees for deposits.
  • You can get exclusive bonuses.
  • Credit cards are accepted at almost all online casinos.


  • There may be some withdrawal fees attached.
  • Your credit card may not be accepted at your casino.
  • You may spend too much using a credit card.
  • You'll need to pay off your credit bill at a later date.
  • Some credit card companies block the use of cards at online casinos.

Are Credit Card Casinos Safe?

Understandably, safety is a big concern for online gamblers. When depositing money at online casinos and playing high-risk games, you must ensure that your funds and financial data are safe.

The good news is that almost all online casinos that accept credit cards have safety features to protect players. Along with encryption and data privacy policies, you should ensure that your casino is licensed and offers customer support.


The best credit card casinos need to be licensed. This means they must have an active license from a well-known gambling authority such as the Malta Gaming Authority (MGA).

The license indicates the casino’s legitimacy and demonstrates to gamblers that it follows industry rules and meets regulations. With a license, you can feel reassured that you are making payments at a reputable online gambling site.

Customer support

Another way credit card casinos keep you safe is by offering round-the-clock customer support. Most of the online casinos featured in this guide have 24/7 live chat or email support. There should also be a helpful FAQ section to quickly find answers to security questions if you have any.

Top Credit Card Casinos 2024

Whether you’re looking for easy payments, a selection of great online casino games, or fantastic bonuses, you’ll find them at one of the credit card casinos listed below.

1. Jackpot City Casino

At Jackpot City Casino, you can make deposits with credit cards like Mastercard and Visa and enjoy great bonus deals in return. You can also withdraw your winnings using credit cards, and payouts generally take around one day at this casino.

You’ll find a great selection of games, including around 300 online pokies. Jackpot City has partnered with Microgaming to provide players with access to the best games from the legendary game developer. Therefore, you’ll find impressive games like Mega Moolah and Thunderstruck.

2. Wildz Casino

At Wildz Casino, you’ll be able to make transactions using either a credit or debit card. You’ll also be able to choose from e-wallets and traditional bank transfers if you’ve exceeded your credit card spending limit.

When you first join Wildz Casino, you’ll receive a $1,000 welcome bonus and 200 free spins for pokies. You can enjoy classic table games or progressive jackpot slot games like Mega Moolah, Hall of Gods, and Divine Fortune.

3. Jonny Jackpot

You’ll find many excellent games at Jonny Jackpot, including slots, jackpot slots, table games, scratches, and live games. Some well-known pokies are available, such as Book of Dead, Big Bass Bonanza, and Gonzo’s Quest.

The casino rewards loyal players by giving them loyalty points whenever they make a deposit. Players can exchange these points for bonus funds which they can use to make wagers in games. There are also regular bonuses, with free spins available almost every day.

4. Spin Casino

At Spin Casino, when you deposit funds with your Visa or Mastercard credit card for the first time, you’ll be able to claim a whopping $1,000 welcome bonus. You can then use this money to play casino games, including blackjack, roulette, pokies, and video poker.

Spin Casino earned a place on our list of the best credit card casinos because of its stellar reputation within the casino industry. It is well-liked by many players and holds an MGA license, demonstrating that it follows industry regulations.

5. LeoVegas

At LeoVegas, you can make online casino deposits using Visa or Mastercard, starting from $20 and going up to $5,000. No fees are attached when you make online payments with a credit card, and the money will appear in your account that same day.

If you want to gamble online using your mobile phone, then LeoVegas is an excellent choice since it has one of the best mobile casinos around. It offers a dedicated app for Android and iOS devices, allowing you to make credit card deposits and play your favourite games. The app even has additional features to provide a more enjoyable gaming experience, such as a dark mode that adjusts the screen’s brightness to suit your surroundings.

How to Get a Credit Card

To play at the best credit card casinos, you must first get a credit card. The process isn’t quite as straightforward as opening an e-wallet account, but it isn’t too difficult either.

First of all, most people get credit cards through their banks and not directly from credit card companies. So, you’ll need to check with your bank which credit card options are available to you. If you don’t find a card you like, you can search at other banks, or in the case of card companies like American Express, open an account directly with them to apply for one.

You may not always get accepted for a credit card, and this is because companies run checks to ensure you’re a desirable candidate. You’ll often need to meet specific requirements, including the following:

You’ll also need to be ready to provide documents like proof of identity, residence and finances.

Credit Card Casino Deposit Amounts

Whenever you play at online casinos, you’ll likely find that there are minimum deposit amounts for credit cards. These are usually $10 or $20, so you don’t need to spend too much money.

Most casinos limit the amount that you can deposit in a day. For example, at LeoVegas, the maximum deposit amount with credit cards is $5,000. However, this should still be enough for high rollers.

Some casinos set daily or weekly deposit limits. Therefore, you need to check the casino’s terms and conditions before adding money to your account so that you don’t max out your deposit limit in one day.

Online Casino Credit Cards Bonuses

You’ll find plenty of casino bonus deals available when you make a credit card deposit at one of the recommended casinos in this guide. Most casinos offer sign-up bonuses that reward new players or cashback bonuses that recompensate gamblers who have lost money. You’ll find the following bonuses at the best online gambling sites in NZ:

Sign up at Credit Card Casino Today!

If you love casino games and you have a credit card, then what are you waiting for? Check out the list of the top online casinos that accept credit cards, and sign up at one to claim a bonus and win big.

We only recommend the best platforms in the online gambling industry, so you can rest assured you will have a safe and enjoyable experience regardless of the casino you choose.

Credit Card Casinos FAQ

Can you play online with a credit card?

Yes, you can play at online gambling sites using your credit card to make deposits and withdrawals. It is a widely accepted banking method in New Zealand and most other countries.

Can I withdraw from a casino with credit cards?

Yes, although there may be a small fee from your credit card provider. Make sure you check how much the transaction fees are before withdrawing money.

Which NZ casinos accept credit cards?

Lots of the top online casino sites in NZ accept credit card payments. Some of these include Jackpot City Casino and Wildz Casino.

What online casino is the easiest to cash out?

The payout process at Jackpot City Casino is extremely easy. After the processing period, your funds should arrive in your chosen account within a few days.

Are credit card deposits safer than debit cards?

Yes, credit card deposits are safer because it is easier to get a refund if your credit card is stolen or a scam casino takes more money than you intended to deposit.

What are the best credit cards?

The best credit cards are Visa and Mastercard, simply because they are the most widely accepted in New Zealand and other parts of the world.

Are there fees with credit card transactions?

There are usually no credit card deposit fees, but you'll be charged a small amount to withdraw winnings using your card.

Are there credit card deposit limits?

It depends on your casino and the credit card you use. Both casinos and credit companies have limits on how much you can spend in a day, week, or month.

Can I get casino bonuses with credit card payments?

Yes, you'll be able to claim all available bonuses when you use your credit card to make deposits at an online gambling site.

Are credit card casino transactions fast?

A primary reason why credit card transactions are so popular is that they are extremely fast, which makes all the difference for players who want to start playing or quickly receive their winnings immediately.

Olivia Kim
Olivia Kim
Tech & Payments Expert
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Olivia is an experienced researcher and writer interested in everything relating to Tech and Payments. Olivia is a skilled software developer and uses her IT and programming skills to write accurate content about technical aspects and iGaming tech.

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