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Credit Card Casinos

Credit card and Debit cards are the most popular way to deposit and withdraw funds from online casinos. And that is no surprise, given that they have become the ubiquitous way to pay both online and in our physical lives.

Credit Card History

Though in many cultures it seems passé now to carry around a chequebook or a great wad of cash, the history of credit and debit cards is not a particularly long one. In fact, on our Diner’s Club page, we explore how the first charge card was invented in the early 1950s. Following the charge card, the first credit card was Bank of America’s imaginatively named BankAmericard, released in 1958.

Amazingly, the idea of a debit card didn’t really come into fruition until the late 1970’s and even that was more a cash card, or ATM card, that had the primary purpose of withdrawing cash from your current/checking account. By the 80s and 90s, the notion caught, despite a complicated web of intra-country system that made it very difficult to conceptualise a worldwide debit card network.

Thanks to the worldwide ubiquity of Visa, the modern-day iteration of the Bank of America Americard, and MasterCard, a competitor to the Americard produced by a collective of Californian Banks like Wells Fargo, these pieces of plastic have become the world’s universal currency.

Credit Card and Debit Card Difference

Credit and Debit Cards both allow the customer to make a deposit on an online casino. The difference is where the money comes from, and how you pay the funds. When a customer makes a payment through their credit card, it is the card issuing company that transfers the funds. The customer has signed into an agreement to pay the card issuer back every month, but unlike a charge card, you only have to pay an agreed minimum, not the full amount. A customer has a revolving account with a credit card, which means that any unpaid balance simply rolls over to the next month. Though there are no penalty fees for this, the outstanding balance will accrue interest at a rate agreed when signing up for a card.

Debit Cards, which are usually attached to a personal bank account, simply draw funds straight from the customer’s current/checking account. There are also prepaid debit cards which do not require the customer to have a banking account, as funds can be loaded directly onto the card.

Advantages and Disadvantages

With a debit card, you cannot really spend money you don’t have. They are also easier to get hold of as customers are not subject to credit checks. With credit cards, it is possible to get into debt but they do offer a layer of customer protection as you are insured, and you can make fraud claims to the bank before having to pay.

In terms of online casinos, debit cards tend to be a better bet for making deposits and, especially, withdrawals. Sometimes, casinos will charge a small fee to pay using a credit card, where debit cards tend to incur no charges. Often, you’ll find that you won’t be able to withdraw your funds from an online casino, especially if it is a MasterCard.

You cannot really go wrong making casino deposits and withdrawals with a VISA debit card.

Other Available Payment Cards

Apart from Visa and MasterCard, who offer both credit and debit cards, you’ll see the logos on NZ online casinos for the following card issuers: American Express (rare), Discover Card (Rare), Diners Club (fairly rare), Maestro (UK, common), Solo (UK, fairly rare), Carte Bleu (France, common), Interac (Canada, common), VISA Electron (Common), and EC (Germany, common).

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