NZ debit & credit card online casinos
Finding an online casino that takes debit or credit cards in New Zealand won't be hard, but finding the best can be tricky. Our experts have reviewed 100+ sites and considered key criteria like minimum deposit limits, withdrawal times, fees, and, of course, safety. Check out our recommendations below.
Casinos that accept credit and debit cards – April 2025
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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 regarding the overall gambling experience. We recommend that players give a wide berth to the sites below.- Why you should avoid
- Unprofessional customer support
- Site operators linked to questionable practices
- Not paid players their winnings
- Why you should avoid
- Reports of players not receiving winnings
- Misleading claims of licensing
- Unresponsive to customer complaints
- Why you should avoid
- 18+ months for withdrawal
- Locked-out accounts
- Slow response times
Try our free games before you make a deposit
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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
- Due to banking processes, withdrawals are not the speediest. 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.
How to make credit and debit card deposits
Debit and credit card deposits work very straightforwardly. The process is the same as when using your card at other shopping sites. Follow our step-by-step guide below, and you can’t go wrong.
Pick a site from the list above, register and head to the 'cashier' or 'banking' section.
You’ll find a list of brands like Mastercard or Visa; choose your favourite, input the card information, and select an amount.
Verify with your bank, complete the transaction, and play your favourite games!
How to make a 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 casino allows both withdrawals using Visa, but not Mastercard. Check the terms and conditions before following the steps below.- Navigate to the Cashier section of your chosen casino – Click on ‘withdrawal’, and you’ll have access to a menu of options.
- Pick your preferred debit or credit card – The banking information will be saved from when you made your deposit.
- 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.
- Finalise the transaction – You may be asked for verification documents if you haven’t yet provided them.
- Wait for the money to appear in your account – In the majority of cases, this shouldn’t take longer than 3 days.
Average transaction details
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 wanting to control 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.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 Winmaker, 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 exceeding 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 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 come 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.
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 if an issue arises, we will receive speedy assistance. This is why we favour sites with excellent customer support, such as Wildz's 24/7 live chat.
NZ credit and debit card casinos at a glance
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 | Jackpot City Casino |
💸Best for fast payouts | Supabet |
Alternative payment methods
- Neteller casinos
- Neteller casinos
- One of the most popular e-wallets available, the majority of NZ casinos offer this option both for deposits and withdrawals, and transaction times are speedy.
- Paysafecard casinos
- Paysafecard casinos
- A great option for those who prefer a pre-loaded card to keep a tight control. The added advantage is you won’t reveal your gambling activity to your bank.
- Apple Pay casinos
- Apple Pay casinos
- Popular with owners of iOS devices, these offer a speedy and highly-secure payment option as you’re never asked to divulge your banking details.
Responsible gambling
Online gambling should always be fun. If you feel it's becoming unsafe or a problem for you or someone you know, please contact one of the free services below.- Problem Gambling Foundation
- Problem Gambling Foundation
- The Problem Gambling Foundation offers free, confidential support to individuals and families experiencing gambling harm.
- Safer Gambling Aotearoa
- Safer Gambling Aotearoa
- Take an online 'test your gambling' quiz to see if you are playing safely, and access a range of other services.
- Gambling Helpline
- Gambling Helpline
- Contact the Gambling Helpline anonymously, 24/7 by calling 0800 654 655 or by texting 8006.
Credit and debit card casino FAQs
What is the best gambling site that accepts credit cards?
Can you use a debit card for online casino transactions?
Do casinos accept credit cards?
What is a credit card casino?
What credit cards allow you to gamble?
Can you play pokies with debit card?
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.
Ian grew up in Malta, Europe's online gaming hub and home of top casino regulators and auditors such as eCOGRA and the Malta Gaming Authority. After completing his Master's degree in Glasgow, he returned to Malta and started writing about casinos. He's worked on hundreds of casinos across the US, New Zealand, Canada, and Ireland, and is a go-to authority for Casino.org's team.
