Credit Card Casinos – Debit Credit Card Deposits + Bonus

Credit cards and debit cards have been an established online casino payment method since online casino first began. The security standards are high and almost everyone has a credit and/or debit card that is linked to their bank account.

As credit/card payments are the world’s primary payment method, deposits and withdrawals via credit or debit are the most frequently used means of casino payment by players, and the most widely accepted by online gambling providers on the Web. For deposits, casino operators do not charge fees, and the majority also offer free withdrawals. Furthermore, casino bonus offers using credit or debit card payment comes with unrestricted online casino bonus offers whereas alternative methods such as Neteller, Skrill, and/or crypto can sometimes be excluded!

In the following guide, we will explain which debit and credit cards are recommended for casino transactions and how you can handle deposits and withdrawals using your card as a payment method for the Republic of Ireland, Australia, New Zealand, India, Canada, the UK, and South Africa!

Note: Some of the English-speaking countries we provide online casinos information for will find different rules apply when using credit or debit cards! For example, in the UK, you cannot use credit cards for any type of online gambling transaction, in India some banks will not allow you to transact with casino companies, and in South Africa, you cannot withdraw using Mastercard!

Credit Cards Offer Highly Encrypted Transactions with Full Fraud Protection!

In most countries, it is mandatory to use ‘3D Secure Payment Verification’ procedures for credit and debit card transactions processed online. This is a protocol used as an additional layer of security to authenticate the cardholder is requesting the transaction. ‘3D’ stands for ‘3 Domains’ which are the 3 systems that take part in online transactions – merchant/casino domain, the issuer/bank domain, and the interoperability/authorising domain.

• SMS/Password 2FA: Two-factor authentication (2FA) ensures your payments are secured with separate security features to your casino account log on. For example, every time you use your card, the Mastercard or Visa payment gateways initiate an SMS confirmation or a password check depending on which system your card issuer uses! It usually runs via a TAN system, where you will be sent a type of verification number via SMS and/or a password to confirm you requested an online payment.
• Biometric 2FA: Some modern payment apps also use biometric authentication via face recognition and/or fingerprints. With this system in place, it is almost impossible for fraudsters to use your card.
• CVC Security: Before you get to the 2FA stage, you will need to enter a CVC/CVV code. Even if you save your bank details on the casino, in most cases you will need to renter the 3-digit portion of your CVC/CVV code on your credit or debit card for every transaction. Probably the most important protection that you enjoy as an online casino credit card user is that only you know the relevant payment information, as it is on your card.

First Deposit: If you are using your credit or debit card for the first time at an online casino, then the process requires that you select the card type, i.e., Visa, MasterCard, Switch, etc… Next, you enter your full name, 16-digital card number, expiry date, and the address attached to the account the card connect to – if this information does not match, the transaction will fail!

Best Credit Card Online Casino Bonus Offers in 2024

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Wide Variety of Bonus Offers Via Credit and/or Debit card Payments!

When it comes to casino bonuses, using a credit card or debit card is often one of the most cost-effective and most unrestricted options. This statement may sound out of place in the age of electronic wallets, but we can assure you that it is not. Due to the long history of working with the online gambling industry, bonuses have always been geared towards credit and debit card deposits.

We are not aware of any online casinos bonus offers that exclude credit cards – except of course crypto casinos that do not deal in foreign currency. Crypto casinos will not accept credit card payments to buy crypto because they are not officially a crypt exchange, so this is the one instance bonus offers do not apply. You can claim welcome bonus offers, reload bonuses, free spins deposit bonus offers, and reap the rewards of VIP loyalty programs all via debit or credit card transactions!

Bonus Terms: Before you make a deposit, always check the bonus terms. You are looking for low wagering requirements, high minimum bonus bets, games excluded from bonus bets, bonus expiry, and how much bonus money you can convert to real money! Find out more from our deposit match bonus guide!

Choosing the right debit or credit card for online casino transactions!

As you probably already know, there are a variety of debit and credit cards available. Debit and credit cards from Mastercard, Visa, Diners Club, Switch, Electron, Maestro, American Express, and more. In addition, there are also prepaid debit and credit cards available. Readers often ask us which debit credit card is the best solution for casino customers, and rightly so, because not all casinos accept ‘all types’ of cards, and different countries offer different options.

For example, some casinos do not accept Electron, Maestro or American Express for any kind of transaction, while some do not allow withdrawals to Mastercard. Therefore, just because you have a card, does not automatically mean an online casino will accept it.

• Always Check: What we mean by always check, is you should always look at an online casino’s payments area or in the terms and conditions to find out whether you can use your debit or credit card for deposits first, and then also check if you can use it for withdrawals. Nearly every online casino accepts Mastercard and VISA, but sometimes Mastercard is excluded from withdrawals so you will need to use a bank account to withdraw.
• Bank Denials: In some countries such as India, Australia, and South Africa, the bank will deny deposits even though the casino accepts Visa, Mastercard, or any other type of card. This is not the casino’s fault. It is a policy set by the bank, and generally, you will only discover this after you sign up to the casino, and we understand this is frustrating. However, you can use an alternative such as Paysafecard, Neosurf, or an eWallet like MuchBetter instead.

Free Transactions or Not? Online casinos will not charge you for deposits, but sometimes you may see a charge on your bank statement. However, if this is the case, the charge is issued by your financial provider that supplied you with your card. This is common when using MasterCard supplied by an eWallet for example!

Making a Deposit Using Your Credit or Debit Card

An online casino credit card or debit card deposit is exactly the same as making a payment with an eCommerce provider. If you have used your card for an online purchase in the past, then you likely already know the process to make card payments.

• Making your deposit: Simply head to the casino’s payment/cashier area, select credit card payment as your preferred payment option and then follow the instructions. The usual requirements such as card type (VISA/Mastercard/Maestro), cardholders name, address, telephone, expiry, card number, and CVC code are all part of the process. You will also need to enter the amount you want to deposit, the casino bonus code, or select the bonus you want to participate in.
• Verification: The payment gateway will direct you to your 2FA for verification. This could be SMS, a password, an online PIN, a fingerprint on your smartphone, or face verification. Some providers will also ask you to select a recent transaction you recognise by giving 4 options with only 1 of them being a transaction made on your card.
• Instant Casino Balance: If all information is complete and the card data is verified, the transaction will clear, and your casino will immediately add the transaction amount to your casino balance.
• Future Deposits: After your first deposit, your card details are saved with the casino and so your future deposits will be much quicker. All you will need to do is select your card, enter the deposit amount, enter your CVC number, confirm the transaction, and pass the 2FA checks.
• Claiming Bonuses: If bonus offers are available, remember to use the bonus code or select the bonus offer before processing the transaction.

Note: You cannot use someone else’s card on your casino account. If the name on the card is not the same as the name on the casino account, then the transaction will probably not clear. Also, be warned some casinos may still allow the transaction to go through if all the 2FA worked, but when it comes to withdrawing your money, you will need to pass KYC checks, and the account will be banned!

Making a Withdrawal Using Your Credit or Debit Card

Withdrawals using credit or debit cards are a simpler process than making the original deposit. Your card details are already stored, so all you need to do is select the card as your withdrawal method, enter the amount you want to withdraw, and hit the process or confirm button. However, if this is your first withdrawal, the casino will ask for further identification. Also, there are few other prerequisites you need to make sure are correct when you make a withdrawal.

• ID Verification: When you process your first withdrawal from an online casino, 99% will ask for ID verification. You will need to provide a government photo ID such as ID card or driver’s licence and verification of your address using a utility bill or bank statement in your name. Without them, the casino will refuse to process your withdrawal. However, the good news is, you only to do this once. Once the casino verifies you, all future transactions will move directly into ‘pending status’.
• Pending Time: As part of anti-fraud checks, especially for UKGC and MGA casinos, there is a pending time. I.e., the casino does not instantly process a cash-out request. Pending requests are queued until one of the casino’s anti-fraud members has checked your withdrawal request. At a good casino, this will take 0-24 hours, but some casinos can take up to 3 days, which is just about the acceptable limit. Any more than this, and you may want to consider another casino.
• Processing Time: Once the casinos’ anti-fraud team moves your withdrawal request from pending to process the amount requested for the withdrawal is released. It can then take 3 to 7 business days to arrive in your bank account. The minimum time is usually 3 days. In the end, the casino has no control over this element of the withdrawal process as it is down to your bank’s system.

Different Rules for Countries: Always check to see if the casino allows withdrawals using your card type. Debit cards and Visa credit cards are generally no problem. Yet, Mastercard in India, South Africa, and Australia generally do not work. In this case, you will need to use an eWallet or your bank account! In the UK, you cannot use credit cards at all.

Charge Back Option as a Safety measure Using Credit Cards!

Chargeback on credit cards is one of the main safety features on credit cards if used legally. For up to 60 days, you have the option to chargeback a casino deposit if you feel you were defrauded. Now, this is limited to being able to prove there was no foul play at large, otherwise, you could end up with legal issues.

The main point of the chargeback facility is to give you a chance to spot fraudulent transactions on your credit card. With this procedure, you have to consult your bank in order to have the online casino credit card charged back. It could be that a casino is unfairly withholding money you won, and you can discuss this with the bank. However, if you lost your money gambling, this is not a good enough reason. Even if you feel the casino was cheating, this is not an excuse to chargeback – especially if the casino is licensed by reputable authorities such as the MGA or UKGC.

Theoretically, you could make your claim based on unauthorised gambling. However, you must be careful if online gambling is illegal in your country. It does work if you are in a country like the UK where online casinos are legally available but lost your money at a casino operating outside of this legal framework. This is exactly why Curacao casinos do not accept UK players. Although immoral, so many UK players caught wind of the fact that they could successfully chargeback from deposits made to Curacao licensed casinos accepting their patronage. This abusing of the system, of course, led to many Curacao casinos losing a large amount of money!

Chargeback Backfiring: You have to be careful with charging back to online casinos in your country because it could still mean you owe the casino company money. That could result in debt collectors coming to your home which has happened in Ireland and UK in the past!

The Advantages and Disadvantages of Online Casino Credit Card Payments

Credit cards and debit cards for online casino deposits generally do not have many disadvantages. Nevertheless, there are few drawbacks to withdrawals. As with all online casino financial means, there are always pros and cons to consider.

• The Pros: We like to start off with a positive note, so let’s talk about the pros. Debit/credit card payments are extremely safe and are therefore the most widely accepted online casino payment option. The CVC/CVV codes + 2FA helps to prevent fraudulent use of your card. You can also quickly apply for a credit card at your bank while most people already have a debit card. Visa and Mastercard are accepted everywhere, while Maestro, Electron, and many other debit card brands are also accepted as viable payment methods, so you have a wide array of options. One of the biggest advantages of using credit cards is that you have the option to chargeback transactions if you did make them due to data theft/fraud. Finally, online casinos do not charge for credit/debit card transactions, and they clear instantly into your account once the payment gateway approves the transaction!

• The Cons: Some of the cons of using a credit or debit card are minor. The first one is obviously putting your faith in the online casino to keep your account information secure and private. This is because you will store your credit or debit card details on the casino’s system. Of course, credit cards are also a dangerous way to gamble if you do not plan on paying off any gambling losses at the end of the month – this also results in the debt growing due to interest rates in credit cards. Consequently, it is never a good idea to gamble your way into debt. If you want to avoid debt, then use your debit card or prepaid credit card. Next, in some countries like South Africa, India, and Australia, you may find it difficult to use a credit card or debit for online casino transactions as the banks block these kinds of payments. And finally, not all credit cards are an option for withdrawals, which means you will need to find another means of making a withdrawal!

Prepaid Credit Cards: To avoid getting into debt and to get around situations where your bank blocks casino transactions, prepaid credit cards are often a good option. Check to see what’s available in your country by way of prepaid credit card brands. These companies rarely, if ever, block casino transactions because they appreciate this type of business!

Alternative Payment & Withdrawal Options for Online Casino Transactions

Paying with a debit or credit card in online casinos is one of the most popular methods in practice. However, despite the fact that card deposits and withdrawals are widely accepted, in some circumstances, you may discover that you cannot make payments by card. Fortunately, there is an array of alternative options available, and some we have listed some of these below:

• eWallets: PayPal, Neteller, Skrill, EcoPayz, and MuchBetter are all great alternatives to using a credit card in an online casino. Plus, these payment methods allow you to top up your balance using your debit/credit card or via a bank transfer.
• Cryptocurrency: The casino will not charge any fees, and network fees to buy, transfer, and/or sell crypto are so low, you will hardly notice them. This option is super safe, secure, and offers anonymous payments with very low fees. The casino will not charge any fees, and network fees to buy, transfer, and/or sell crypto are so low, you will hardly notice them. Also, cryptos are perfect for those that want to avoid exchange rate fees if the online casino you want to play at does not accept your local currency.
• Trustly, Klarna or Giropay: You do not need an account to use these payment services. The money transfer always runs through your bank account. It is effectively a bank transfer without giving your bank details to the casino.
• Paysafecard or Neosurf: These payment options offer anonymous casino deposits. You can purchase a card with cash and use the PIN code at the casino to make a deposit. In some countries, you can buy these prepaid cards in high street stores while there is also an online option.

Bank Account Withdrawals: Online casinos will force you to use your deposit to withdraw your winnings if the deposit method is a viable withdrawal option. In cases where your deposit method is not available for withdrawals, you will need to switch to an alternative method. This usually entails using your bank account as a cash-out alternative. FYI: We recommend if using Wise.com for international transfers.

Debit & Credit Card Casinos – Questions & Answers

➕ How do casino debit and credit card deposits and withdrawals work?

Paying with a debit or credit card in online casinos is an easy step-by-step process that is no different to using your card for online payments at an online store. You enter the card number and your name, i.e., the owner of the card and the date printed on the card, which shows how long the credit card is valid. With the three-digit security number, the Mastercard CVC or Visa CVV code, plus you will need to go through 2FA authentication. Once approved, your casino balance is instantly topped up with the requested amount.

➕ Can I chargeback with my credit card in the online casinos?

In principle, it is possible to request a refund via your credit card company for payments made to an online casino, and usually, you have up to 60 days to do so. This is a credit card chargeback, which, however, is not necessarily legal if you have already gambled the money away so you must be careful how you do this. Also, racking up multiple chargebacks will raise suspension from the credit card company. The purpose of the chargeback facility is there to help you in the event of fraud!

➕ Which credit cards are approved by online casinos?

Nearly any credit or debit card is accepted, but this is entirely down to the casino itself. Visa and Mastercard are accepted by pretty much all online casinos. Other brands are not always accepted, so you will need to check our casino reviews or the casino’s payment section. In cases in which your credit or debit card is not accepted, you may be able to top up an eWallet and fund your casino this way but be warned this does come with charges.

➕ Which Debit Credit Card is Best for Online Casinos?

You are on the safe side with a debit card from V-Pay or Maestro. Behind this are the well-known providers Mastercard and Visa. Accordingly, it is possible to pay with a debit card too. Just note that in the UK, any online casino payments to a UKGC licensed casino via credit card will be rejected.

➕ How can I play at an online casino without a credit card?

There are many alternatives such as Neteller, EcoPayz, MuchBetter, and Skrill eWallets. You also have the options to use cryptocurrency payments. Check out our main online casino payment methods guide for all the options available to you!

➕ Are there any credit card fees in online casinos?

If you pay by credit card, it is usually free of charge. The operators rarely charge fees unless you withdraw more or more money than is permitted in the month. Fees are still incurred at the bank because credit cards usually cost a monthly or annual fee and individual transactions can also be subject to charges. On top of this, some casinos charge a processing fee of 2% to 3% for withdrawals under a certain amount.

➕ What is the difference between credit cards and EC cards?

Cashless payments are possible with both options. When using a casino credit card, you usually charge the credit limit of your card, while EC cards or modern debit cards make a direct debit from the associated account. A debit card is always linked to a current account. You get this card to print bank statements or to withdraw money. The credit card does not always have to belong to a bank account, but can also have its own account, where you pay in regularly or the credit card bill is settled monthly via direct debit from your current account.

➕ What is the difference between Visa and Mastercard?

Apart from the name and the companies behind each one, there are few notable differences. There may be differences in the credit card fees, however, these fees are decided by the issuing bank and not by the credit card company. Additionally, Mastercard is not always accepted as a withdrawal method.

➕ Where can I pay with American Express in the online casino?

American Express credit cards are rarely available as payment options at Curacao licensed casinos, but a select few UKGC and MGA casinos do accept the Amex cards.  Well-known Amex online casinos with American Express in their payment portfolio are Jackpot City, Karamba and the Magic Red Casino.

➕ Which credit cards do online casinos accept?

The 2 favourites among online casinos are Mastercard and Visa. Credit and debit cards from these providers are accepted by most gambling providers. American Express and Diners Club credit cards are among the best-known cashless payment methods in the world, while you can also use prepaid credit and debit cards. However, there are very few operators that offer casino credit and/or debit card deposits from payment services other than Visa and Mastercard. Maestro, Electron, Switch, and Union Pay are the most well-known.

➕ Can I pay with a credit card on my mobile phone?

Yes! Mobile payment is possible with credit cards. Paying with a credit card in a mobile online casino works the same way as on a desktop PC. There are also other payment methods you can use via your mobile devices such as Apple Pay or MuchBetter!