Debit and Credit Cards Casinos NZ

Using a debit or credit card at an online casino remains one of the easiest ways to pay for games. Online payments with debit or credit cards spare you the hassle of funding an e-wallet before opening your online casino account. Furthermore, credit and debit cards have tight security for online purchases, including playing online casino games.

Many online gambling sites use an OTP (one-time password) system for more secure debit and credit card transactions. This adds an extra verification procedure, which involves entering the password sent to your mobile phone or email. Without it, the payment method will not process the casino deposit.

Enhanced security is a prominent benefit of using debit and credit cards at NZ online casinos, but there is more. This guide will show you how to use credit and debit cards to deposit funds at online casinos. You will also learn how to find the best online casinos that accept debit and credit cards, including our expert recommendations.

By Amelia Smith - Updated 16/04/2024 - Estimated reading time: 13 minutes.

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Debit and Credit Cards Casinos NZ

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NZ casinos that accept Credit cards

  1. 1
    Wildz casino
    Wildz casino Since 2019
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  2. 2
    Viggoslots Since 2017
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  3. 3
    iBet casino
    iBet casino Since 2021
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  4. 4
    SkyCity Casino
    SkyCity Casino Since 2019
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  5. 5
    Yeti Casino
    Yeti Casino Since 2017
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The benefits of debit and credit cards

These payment options provide similar securities but offer different benefits. One of the biggest is credit.

Debit cards work only when funds are available in the account, meaning you cannot spend more than what’s available. On the other hand, a credit card provides the benefit of using “borrowed” funds from the bank. Hence, you can use more than what is in your primary bank balance.

Online transactions with debit and credit cards enjoy SSL encryption. Then, we have extra CVV verifications. OTPs prevent unauthorized use, even when someone steals your credit card details.

Transactions require the card details, the PIN, and the OTP. That happens each time you make Mastercard or Visa payments. Compare that with bank transfers, and you will appreciate the extra security measures.

Another impressive credit and debit card benefit is how easy it is to complete transactions. Even at a new establishment, only the connected card is needed along with the OTP.

There’s no need to send funds to a third-party payment. Not only does this save time, but you also save on transaction fees.

Debit and credit cards also help in setting budgets for your online gambling sessions. You can load your debit card with the amount you want to play casino games with. The same thing applies to credit cards, where you request specific amounts.

Credit card deposits are often instant, processing immediately after you enter the OTP. This payment method is among the fastest for NZ players who want timely activation of deposit bonuses.

Creditcard deposit

How a creditcard deposit shows at Neon Vegas casino.

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Using a debit and credit card at NZ online casinos

The first step is to find online gambling platforms that accept credit cards. That should be easy, given the popularity of the payment method among NZ casinos. You can start with our recommended credit card casinos.

It’s easy to recognize an online casino that accepts debit and credit card deposits. The payment method logo will be at the bottom of the home page.

Alternatively, you can check the cashier page, which contains all the payment methods like bank transfers and e-wallets.

How to make your first debit or credit card deposit

Obtain a debit or credit card from your bank or an issuer. Ensure you have sufficient funds on the card before funding your casino account.

Most online casinos that accept credit cards have minimum deposit requirements. Always keep that in mind when funding your account.

The things needed include the card, your PIN, personal details, and the OTP for a complete transaction. With that in mind, here are our recommended steps for your first debit or credit card deposit:

  • Go to your preferred Mastercard or Visa online casino. You can check out our recommended casinos for the best experience in New Zealand.
  • Register with the debit or credit card casino. Ensure your name matches the one on your credit or debit card.
  • Open the cashier page to see the deposit methods available.
  • Select the deposit method (Visa, Mastercard, American Express, Maestro, etc.)
  • Enter the amount you want to deposit. Most online gambling platforms will state the limits for credit cards.
  • Enter your Mastercard or Visa card details, including the card number and CVC or CCV number (the number displayed on the back of the debit or credit card).
  • Enter the bonus code if you have any. That may be necessary to unlock welcome bonuses on your initial deposit.
  • You will be prompted to enter the PIN for your Mastercard or Visa card.
  • Once the details are confirmed, the transaction will occur, and the OTP security page will appear on your screen. Enter the unique code to complete the transaction.
  • Should the code be incorrect, the payment will decline. Notwithstanding, you can request a new code.

Things to note about Mastercard and Visa casino payments

To find out what the minimum and maximum deposits are for your account, visit the casino’s banking page. Most casinos require a deposit of at least NZ$10 or NZ$20. However, $10 is acceptable to most New Zealand online casinos.

Make sure to always pick NZ$ instead of USD or another currency to avoid currency exchange fees on your deposit.

In rare cases, online casinos may charge an additional processing fee, depending on the payment value and currency differences. Nevertheless, you can expect low or zero fees if you deposit in New Zealand dollars.

Once it’s successful, the funds are instantly available in the account. Some online gambling sites require a refresh before the values reflect on your account. Once you’ve confirmed your Mastercard or Visa deposits, you can start playing the casino games for real money.

You can still use your casino credit cards for sports betting, provided the sports book is from the same operator.

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How to withdraw funds using a Debit or Credit Card

Most online gambling sites that accept debit and credit card deposits allow withdrawals with the exact account details. Some will store your credit card details for quick input during withdrawals. You can opt out of this feature if it poses a security risk.

Ensure you have no pending wagering requirements or unused bonuses when requesting credit card withdrawals. Not clearing them could forfeit your bonus cash.

To request a withdrawal, visit the casino, select the banking or accounts page, and select “withdraw.” Like on the deposit page, you’ll need to enter the withdrawal amount, which usually has a minimum of $20 for New Zealand players. The page might also require all the account details again or at least require confirmation before accepting the withdrawal.

Once details are confirmed, a casino representative will confirm all the details and might contact you for more verification. This happens with large withdrawals. The documents often requested include proof of address and a copy of your New Zealand ID document.

Processing will begin once the details match your casino account. You might receive a notification that payment is under processing.

A typical credit or debit card withdrawal would require 3–5 business days to appear in your statement. Some casinos do it sooner, depending on where the casino is located and the type of accounts they use.

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Typical Bonuses at Mastercard and Visa Casinos

Most online casinos have few restrictions on debit and credit card payments for bonuses. They still offer welcome bonus deals and weekly promotions to keep you playing your favourite games.

Typical bonuses at credit card casinos include the following:

  • Welcome bonus deals: These offers are reserved for new players. Deposit bonuses and free spins are common with welcome bonus deals. Nevertheless, credit card casinos can still offer cashback or free chips in the welcome package.
  • Deposit bonuses: These deals depend on how much you deposit at the online casino. Their extended reach allows you to explore your favorite online casino games. Nevertheless, you must deposit via your credit or debit card to unlock them.
  • Free spins: While you can play slots with generous deposit bonuses, free spins are more suitable for them. Free spins are activated through deposits or by reaching specific milestones in the online casino. You can also get free spins to celebrate your birthday.
  • Live casino bonuses: Most mainstream bonuses at credit card casinos do not apply to live casino games. Hence, they offer exclusive deals for players who prefer live casino games. Sometimes, you may have to choose between deals in this section or the mainstream offers.
  • Cashback and reload: Both offers are percentages. However, cashback depends on your deposit, while reload deals depend on your losses. Both will extend your playing time.

Most credit card casinos have wagering requirements for their bonuses. Some are more accommodating than others. Check out the best credit card casinos for bonuses with low wagering requirements.

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Finding New Zealand Casinos with Debit and Credit Card Options

As mentioned, most casinos provide these banking options. They often appear with the VISA, MasterCard, AMEX, or Maestro logos on the banking page or at the bottom of the website. Confirm that the casino offers deposits and withdrawals with the option you need.

The availability of Visa personal payments is the first step to finding the best credit card casinos. Other considerations include:

  • The credit card casino should have a license from reputable authorities. That includes the UK Gambling Commission and the Malta Gaming Authority.
  • Free spins and other bonuses should be available in the weekly promotions.
  • Bonuses should have low play-through requirements.
  • The credit card casino should be optimized for mobile.
  • The credit card casino should feature quality games from top providers.
  • Navigation should be smooth.
  • Alternative banking options should be available.
  • The credit card casino should have responsive customer support.

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Why Use Debit and Credit Cards at an NZ Online Casino?

Debit and credit card deposits work flawlessly. You can deposit as little as NZ$10 or as much as thousands of New Zealand dollars. Still, we have many more reasons to play at a credit card casino.

The new payment technology (EMV chips) makes depositing money into your online casino account safer. In addition, you’ll get instant deposits to access the casino games within minutes.

Savings on processing fees are another significant plus. Most Mastercard and Visa casinos have low processing fees for deposits and withdrawals. Hence, you don’t need third-party banking options or web wallets, which often have processing fees.

You’ll quickly find an online casino that accepts debit and credit cards. The popularity of these payment options dwarfs most alternatives, including web wallets and cryptocurrencies. For the best Visa casinos, supporting debit and credit cards is the foundation.

The last significant use of card payments is support for withdrawals to the same account. Once processed, you can withdraw physical cash from an ATM, swipe the card for a purchase, or leave the money there.

Responsible Gaming

The ease of transactions, availability of cash, and bonuses like free spins can be overwhelming. However, you must maintain discipline over your finances and gaming time. Don’t play for too long or chase losses with more deposits.

Use responsible gaming tools to regulate your gaming sessions. These include timeouts, deposit limits, loss limits, breaks, self-exclusion, activity reports, etc. Fortunately, the top credit card casinos recommended on this page have these tools.

Our strong advice is to never use your credit card for online gambling. The availability of cash can make you spend more than intended. Also, losses can ruin your credit score and put you in debt.

If you want to use your credit card, put money from your bank account on the card before playing and don't spend more.

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If you need secure, efficient, and reliable payment options, debit and credit cards fit the bill. They are available at the top casinos in New Zealand. Also, they can unlock bonuses like deposit matches, free spins, cashback, reloads, etc.

To begin, request a debit or credit card from your bank or issuer. Fund the card and use it to deposit money into your gaming account.

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Frequently Asked Questions about Depositing with a Credit Card at Online Casinos

What steps are involved in depositing funds using a credit card at an online casino?

Depositing funds with a credit card typically involves entering your card details, choosing a deposit amount, and completing any necessary verification processes set by the casino.

Are there any fees associated with credit card deposits at online casinos?

Some online casinos may charge fees for credit card deposits, often related to processing or currency conversion. It's important to check the casino's payment terms for details.

How quickly are credit card deposits processed at online casinos?

Credit card deposits at online casinos are usually processed instantly, allowing players to start gaming right away.

Is it safe to use a credit card for online casino deposits?

Using a credit card for online casino deposits is generally safe, as most reputable casinos employ strong security measures like encryption to protect transaction data.

Can I use any credit card for depositing funds at online casinos?

Most online casinos accept major credit cards like Visa and Mastercard, but acceptance of other cards can vary depending on the casino's policies and location.

Author: Amelia Smith

Amelia Smith

Amelia Smith knows a lot about different areas of gambling. She's been our main writer for most things since 2019. She spoke at a big conference in London in 2022 and has been recognized at several industry events.

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Article published 24/06/2018

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