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Can You Gamble with a Credit Card in Australia?

The landscape surrounding gambling with credit cards in Australia has undergone notable changes. In early 2020, the Australian government took steps to address the potential harm associated with gambling using credit cards. This led to the offline credit card gambling ban, effective 1 January 2021. The ban aims to protect players from accumulating unmanageable debts and mitigate the risks of problem gambling.

gamble with a credit card in australia

Benefits of the Credit Card Ban

  1. Financial Well-Being: The ban on credit card gambling promotes responsible gambling by preventing players from using borrowed funds to gamble. This can help individuals avoid getting into financial trouble and accumulating high-interest debts.
  2. Player Protection: The ban acts as a protective measure for players, particularly those vulnerable to developing gambling-related issues. The government seeks to curb potential addiction and its associated consequences by eliminating the option to gamble with credit.
  3. Promoting Alternative Payment Methods: The ban encourages players to explore alternative payment methods, such as debit cards, e-wallets, and direct bank transfers, which may carry a different level of financial risk.

Risks of Gambling with Credit Cards

  1. Debt Accumulation: Gambling with credit cards can lead to accumulating debt quickly, as players may not be directly aware of the amount they’re spending. High-interest rates associated with credit cards can exacerbate financial troubles.
  2. Problem Gambling: The ease of gambling with credit cards could contribute to impulsive behaviour and excessive gambling, potentially leading to problem gambling and its negative consequences.

Alternative Payment Methods

While credit cards are no longer an option for gambling in Australia, several alternative payment methods offer convenience and security:

  1. Debit Cards: Debit cards allow players to gamble with funds they already have, reducing the risk of accumulating debt. Transactions are directly linked to the player’s bank account.
  2. E-Wallets: E-wallets like PayPal, Skrill, and Neteller provide a secure way to fund online gambling accounts. These platforms offer an extra layer of privacy as they do not directly share sensitive financial information with gambling sites.
  3. Bank Transfers: Direct bank transfers involve transferring funds from a player’s bank account to their gambling account. This method provides control over the amount being transferred and ensures responsible spending.

Using Credit Cards for Online Gambling

As of 25 April 2023, the use of credit cards for online gambling will be prohibited, marking a pivotal change endorsed by the Australian Banking Association (ABA). This groundbreaking alteration involves an amendment to the Interactive Gambling Act 2001, rendering it illegal for any online gambling operator to accept credit card payments. This move is a crucial step towards promoting responsible gambling practices and safeguarding the financial well-being of individuals.

Ms Anna Bligh, the CEO of the ABA, has expressed her support for this change. She highlights that Australian banks acknowledge the potential harm of using credit cards for gambling activities. To address this concern, banks have taken proactive measures to empower customers to manage their gambling expenditures effectively.

These measures include introducing innovative tools that enable customers to monitor and limit their gambling spending. Additionally, real-time alerts and customer-initiated blocks have been integrated to provide heightened control over gambling-related transactions.


As of 2021, the ability to gamble with credit cards in Australia has been prohibited to promote responsible gambling and safeguard players from financial hardships. While this ban may inconvenience some players, it ultimately aims to protect the well-being of individuals and reduce the risks associated with problem gambling.

Players are encouraged to explore alternative payment methods prioritising financial responsibility and security. Remember that the gambling landscape can change, so staying informed about the latest regulations and options is essential for a safe and enjoyable gambling experience.

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