Debit- and Credit Card Casinos

Credit Cards have always been a fan favorite for executing transactions virtually and in person. The flexibility of a credit card is boundless and it allows you to perform transactions online with ease. You can further use your credit cards to gamble online. By following a few simple steps, you will have funds readily available to play your favorite online casino games at gambling sites.

Most online casinos, like ZAR Casino, allow you to use credit cards when playing online, with Visa card and Mastercard credit cards widely accepted at South African online gambling sites. You will also discover that some online casinos accept American Express, Amex, and even Discover, offering the flexibility that every gambler aims for. So, what makes a credit card so popular with online casino punters? Let’s delve into the world of gambling at credit card casinos.

By Adiela de Bruyn - Updated 2024/02/08 - Estimated reading time: 12 minutes.

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Debit- and Credit Card Casinos

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Best Credit Card accepting casinos

  1. 1
    10Bet Casino
    10Bet Casino Since 2003
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  2. 2
    Zar Casino
    Zar Casino Since 2006
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  3. 3
    SpringBok casino
    SpringBok casino Since 2012
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  4. 4
    Yeti casino
    Yeti casino Since 2017
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  5. 5
    Yebo Casino
    Yebo Casino Since 2014
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Difference between Credit and Debit Cards

Credit and debit cards are plastic and for financial transactions. Due to their similar design, it is not uncommon for gamblers to confuse them. However, they are not the same. Let us examine their differences in depth below.

Credit Cards

By design, the credit card allows the holder to borrow money to a determined credit limit. As the name implies, credit card providers lend the player a short-term loan that must be repaid within a time. Hence, it is possible to incur an overdraft if the individual exceeds the credit limit. Not only this but fees and interests when the balance is not paid at the due date. On the upside, responsible credit card use builds a positive credit history, which comes in handy for loans. Likewise, card issuers offer reward programs and cashbacks to encourage use. In turn, gamblers use the welcome bonus to play games like European roulette.

Debit Cards

Debit cards are the opposite of credit cards. In this case, players use funds directly from a linked account. As a result, the sum available to gamble is limited to the available balance. Also, it is not a loan since you are spending the cardholder’s money. Consequently, it does not attract any interest charges, nor does it impact credit history. Due to this, cardholders seldom offer rewards.

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How to deposit at online casino sites using your credit card

If you have a credit card readily available and would like to use it to top up your online casino account, follow these steps:

  • Head to the online casino gambling site and log in using your username and password.
  • Click on the CASHIER icon and click on DEPOSIT.
  • From the payment drop-down menu, choose CREDIT CARD.
  • Enter the credit card number with the expiry time and the CVV.
  • Enter the amount of money you would like to deposit.
  • Review all of the information that you have input and hit the CONFIRM button.

All your credit card deposits are straightforward, and you can execute them using the above method. The funds transfer is immediate, with online casinos not charging any fee to use your card for gaming transactions.

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How to withdraw funds at the best online casinos using your credit card

Withdrawing funds using your credit card is also a simple process and is available at top online casinos. If you have secured winning funds and would like to place a withdrawal request, here is how to do it:

  • Log in to your online casino account using your username and password.
  • Head over to the CASHIER section.
  • Click on WITHDRAW.
  • From the drop-down menu, choose the credit card you would like to withdraw your winnings.
  • Enter the amount you would like to withdraw.
  • Enter the card details, including card number, expiry date, and CVV. (If you used it for depositing funds, the site will likely have all the information already).
  • Review and click CONFIRM to go ahead with your credit card payments.

Once you hit the Confirm button, credit card casinos will review your Visa cards withdrawal requests and process the funds transfer. However, you may need to wait 1-5 working days for your money to reach you.

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Disadvantages of using your credit card at online casino sites

Like any other payment method, card payment options in online casinos accepting credit cards in South Africa pose some disadvantages. Let us explore some of them and how to mitigate them below:


Unfortunately, withdrawals at the best credit card casinos often take considerable time to reach the final destination. Sometimes, up to 5 working days. The only way to avoid this is by opting for other payment methods like e-wallets or cryptocurrencies. We will discuss more of them in the coming sections.


We did mention that credit cards are relatively safe to use online. However, fraud does occur when your credit card details end up in the wrong hands. When this happens, contact your credit card provider and raise a dispute to recover the funds. Mind that all of the casinos listed on our site use external payment providers, the casino company will never see your details.

Might not be available for withdrawal purposes at top online casinos

Many credit cards allow you to deposit and withdraw funds at online casinos. However, not in all cases, as some only offer credit card deposits. When this happens, you need an alternative method to withdraw your winnings at gambling sites.

Paying high-interest rates

Credit cards are offered with a % APR that you need to repay on a debit balance on your credit card. This means you may incur a high-interest rate that ranges from 5% to 20%. If you are a regular credit card user, consider the additional fees that come with top online casino deposits. We strongly advise against playing with loaned money. Do you need more limit on your card? Simply put extra money on your card to prevent paying interest rates.

Zar Casino payment methods

A credit card deposit at Zar casino.

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Tips for safely using credit cards and how to gamble responsibly

The best credit card casinos provide a fast way to access cash and gamble without financial restrictions. However, this advantage quickly becomes a snare for unsuspecting players. The reason is that it carries an inherent risk of falling into debt. Follow these tips to gamble responsibly with credit cards:

Set a budget or limit

A budget is crucial for every deposit and withdrawal method, not only a credit card. However, in the case of credit card casinos, it is more important. First, determine the amount you can lose without affecting your life or essential expenses. If you cannot do it on your own, ask your card issuer for help. Request they set a lower credit limit so you won’t exceed a loan amount for gambling activities.

Review your activities

We recommend you review your credit card statements periodically to track your spending. Pay attention to the trends to pick signs of unhealthy gambling expenditure. Likewise, monitor for unauthorized transactions. If possible, avoid using Visa credit card for cash advances at ATMs for gambling, as they attract higher fees and interest rates.

Take breaks between gambling

One of the ways to get the best from gambling is to allocate specific time for it. After gaming for a session, take breaks to prevent impulsive decisions. It further helps you to avoid chasing losses by increasing your bet size.

Ask for help

If you’re struggling to control your gambling activities, ask for help from professional counselors. Most credit card online casinos in South Africa offer links to the national gambling helpline or self-help organizations like the National Responsible Gambling Program that assists with problematic gambling. Likewise, the websites have self-service tools to control habits. Examples include self-exclusion, betting limits, and limits on credit card deposits.

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Alternatives to credit cards in online gambling

Credit card payments sometimes fail due to various reasons. For example, insufficient funds or transaction limits. To avoid feeling stranded, use any of the following payment methods:

Bank transfer

Bank transfer is among the oldest transaction methods in credit card online casinos and is the preferred payment method of most traditional South African players. It involves sending money from your bank account to the casino’s account or directly to your betting account. The payment channel is safe and secure but takes longer than most deposit options. Read our article on bank transfer for all you need to know about the deposit channel.


Citadel is another popular casino deposit and withdrawal method in South Africa. Citadel’s instant deposits solution makes funds available for betting within minutes. Most importantly, users don’t need to open an account, and the fees are lower compared to other payment methods. Read our article on Citadel Instant Payments for more information.

Debit and prepaid cards

We already explained debit cards above so there is little need to dwell on it. In contrast, prepaid cards allow you to load a specific amount onto a card and use it for payments. However, the user does not need to reveal their banking details in the process. Common examples of deposit options available to play live dealer games include Paysafecard and prepaid Visa card or Mastercard.


Crypto payments are fast-rising in the online gambling world. Unlike most casinos that accept Mastercard, players fund their accounts via Bitcoin, Ethereum, or any other cryptocurrency. Crypto payments offer the highest level of security and anonymity. Plus, the processing time is one of the fastest and there is little or no associated fee.

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If you want to avoid the hassle of having another payment method added to your busy life, consider online casinos that accept credit cards for online payments. They are convenient, and most of us even have them besides use at an online casino site. Credit cards offer a one-stop shop experience where you can fund all your online purchases with one banking method, including wagering and playing games in recommended credit card casinos.

Earning rewards and cashback on all your transactions is a solid perk. Likewise, the currency conversion fees involved stay at a minimum. You can use the cashback to play further at your go-to online gambling site, with your credit card limits assisting you in playing responsibly at all times.

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Frequently asked questions about Credit card casinos

Can I deposit funds from a credit card to a bank account?

Yes, you can. Use an online banking app or smartphone to move funds from your credit card to your bank account with ease.

What are the popular credit card casinos accepting?

The specific card often depends on the casino. However, in most cases, a credit card casino accepts cards like Visa, Mastercard, and American Express. Review credit card casinos to know the best online gambling sites that accept Visa or others.

Will a casino charge me for using a credit card?

Most credit card transactions attract a charge. The most popular ones are the currency conversion and transaction fees. Check the terms and conditions page of online casinos that accept credit cards for more information.

Why is my credit card declined?

Transaction limits, insufficient funds, and security concerns are common reasons for credit card decline in South African online casinos. Use an alternative payment method or contact your card issuer for help.

Author: Adiela de Bruyn

Adiela de Bruyn

Adiela de Bruyn, our founder, launched this site in 2016. Since then, she's written over 100 pages filled with crucial info to enhance your gaming experience. Her goal? To provide you with the best, most reliable online casino knowledge.

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Article published 2020/05/16