Most people prefer not to walk around with cash in their pockets. So, many wonder if it’s possible to buy lottery tickets with a credit or debit card. It will all depend on which country you reside in and the laws that govern the lottery you play.
Lotteries are big business. The US alone spends over $70 million every year on state lotteries. In addition to being fun, state lotteries also offer decent odds. If you want to play, you’ll need to get a ticket from a retailer who accepts Visa or MasterCard.
There are countries that allow retailers to accept Visa and MasterCard for purchases of lottery tickets. But some countries require proof of identification before accepting these forms of payment. Check out our guide to buying lottery tickets with a credit or debit card to see if you can legally buy them where you’re from.
- Can You Buy Lottery Tickets Online With a Credit or Debit Card?
- Can You Buy Lottery Tickets at a Vendor With a Credit or Debit Card?
- Use a Debit Card to Buy Tickets Through Banking Apps
- Where Can You Use a Credit or Debit Card To Buy Lottery Tickets?
- Do Credit Card Issuers Prohibit Lottery Ticket Purchases?
- Should You Use Credit or Debit Cards to Buy Lottery Tickets?
- Final Thoughts
Can You Buy Lottery Tickets Online With a Credit or Debit Card?
If you’re playing through a lottery site such as LottoAgent or TheLotter you can purchase lottery tickets with a debit or credit card and other payment methods the site offers. This is because you can’t pay with physical cash when buying tickets through a digital site.
In some countries, you can play the lottery through banking apps that allow you to purchase lines with your debit card. Additionally, if your national lottery has a website you can buy lottery tickets using a credit or debit card if you enter your card’s details on the site.
Can You Buy Lottery Tickets at a Vendor With a Credit or Debit Card?
If you want to buy lottery tickets at a physical vendor you’ll need to find one that accepts debit or credit cards. In South Africa, you can’t buy lottery tickets with a card at a physical vendor. It must be cash only. But if you’re playing through the lottery website or on your banking app you can use your debit card to make ticket purchases.
In the US, there are some states that will allow you to purchase tickets using your credit or debit card. Other states will ask for proof of identification when using a card for payment. On the other hand, there are countries such as India where you can only buy lottery tickets at a vendor where the lottery is legal to play.
Use a Debit Card to Buy Tickets Through Banking Apps
South Africa has made it easy for players to buy lottery tickets with a debit card. You can play the national lottery through banking apps in the country such as ABSA, Standard Bank, and First National Bank.
All you have to do is log into your banking app, find the tab that says “Lotto”, and choose which one you want to play such as:
- Daily Lotto
There will be an option to choose your numbers or use a quick pick. Then you can select how many draws and lines you want to play. When you’ve made your purchase, the money will automatically be deducted from your account. You will then receive an SMS with your list of numbers and a reference number.
If you win a small prize, the money will be deposited directly into your bank account in two business days. For larger prizes, you want to use your reference number and SMS as proof that you’re the winner. You may need to fill out a claims form.
Where Can You Use a Credit or Debit Card To Buy Lottery Tickets?
If you want to use your debit or credit card to buy lottery tickets you’ll have to read the terms and conditions of the lottery you’re playing. The most popular places to buy lottery tickets with a card is through online lottery sites such as Wintrillions. This site has over 15 payment methods to choose from including the use of Visa and Mastercard.
But if you want to buy lottery tickets from a physical vendor you’ll have to find out whether they allow you to purchase tickets using a card. In this section, you’ll find out which US states allow you to buy tickets with a card and which states prohibit it.
Which US States Allow Lottery Ticket Purchases With Debit Cards?
You’ll be happy to know that at least 21 states in the US allow players to buy lottery tickets using a debit card. These states are:
- New York
- Rhode Island
- South Dakota
It should be noted that you won’t be able to buy lottery tickets with your debit card if you’re visiting a state. You must be a local and you must be the sole cardowner. Additionally, there may be some vendors that won’t allow you to buy tickets with a debit card even if it’s legal. Some retailers prefer cash purchases.
Which US States Allow Lottery Ticket Purchases With Credit Cards?
Like debit card purchases there are 21 states in the US that allow players to buy lottery tickets using a credit card. These states are:
- New York
- Rhode Island
- South Dakota
Some retailers can choose not to accept credit card purchases for lottery tickets even if it’s legal in that specific state. Additionally, you must be a local and you can’t use someone elses credit card for the purchase. You must also be the legal age to play the lottery before buying a ticket in your state.
US States Banned From Using Credit & Debit Cards to Buy Lottery Tickets
There are six US states that prohibit the selling and purchase of lottery tickets altogether. These areas don’t have state lotteries and also don’t participate in multi-state lotteries:
However, there are states that do allow locals to play the lottery but may have prohibited the use of credit or debit cards for purchases.
States such as Georgia and New Hampshire allow you to buy tickets with debit cards but not credit cards. Here is a list of states that prohibit the purchase of lottery tickets with any card:
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- South Carolina
- Washington, D.C.
- West Virginia
Reason For Bans on Lottery Ticket Credit or Debit Card Purchases
Most US states ban the use of lottery ticket purchases with cards to prevent citizens getting into debt due to gambling.
People who come from low income households tend to play the lottery more than those who have higher income. They tend to spend more than $400 per year playing the lottery. Some players may use money they don’t have simply to buy a ticket and hope for the best.
The government doesn’t wan’t players to get into heavy debt simply by purchasing lottery tickets that don’t guarantee a win.
Do Credit Card Issuers Prohibit Lottery Ticket Purchases?
Most credit card companies don’t have an issue with players buying lottery tickets. However, these companies also don’t encourage this type of purchase. There are some credit card companies that consider lottery ticket purchases as a cash advance or even a cash equivalent transaction which can have major interest rate charges on your card.
Read the terms and conditions to check what the rules are with buying a lottery ticket with your credit card company.
Should You Use Credit or Debit Cards to Buy Lottery Tickets?
To avoid hefty interest rates you could rather purchases lottery tickets with your debit card, whether you’re buying tickets online or through a physical retailer. Here are 3 reasons to avoid buying lottery tickets using your credit card.
Risk of Getting into Debt
If you use a credit card to make lottery ticket purchases the interest starts to add up and becomes more expensive. If you have a low credit score, you could end up paying 25% interest on each ticket you buy.
Some players can incur over $100 in interest rates in a year simply by using their credit card to buy lottery tickets. That’s why it’s best to use cash so you don’t get yourself into financial trouble with your creditcard issuer.
You Don’t Earn Rewards
Some credit card companies won’t give you rewards with lottery ticket purchases. These rewards are structured to earn points on specific purchases such as gas, clothing or groceries. In some states, the lottery is considered a form of gambling and cashback rewards doesn’t cover purchases for it.
However, you can check what the terms and conditions are on your credit card to see if they will reward you for different types of purchases.
You’ll Get Better Return if You Save
Although there are lotteries such as US Powerball or Mega Millions that offer massive jackpots, the chances of winning these lotteries are slim. Even if you choose lotteries with the best odds, it’s better to use cash to purchase lottery tickets at a physical vendor to avoid interest fees.
You’ll also get better returns if you put your money into a savings account. Some savings accounts allow you to earn interest on your savings so your money can grow.
On the other hand, if you’re buying lottery tickets through an online site such as LottoSmile, perhaps use another form of paying such as through an e-wallet or crypto if it offers these methods. Or consider saving up money and budgeting to pay for your lottery tickets.
Now that you know you can buy lottery tickets using your debit or credit card in in 21 US states, and in other countries such as South Africa, you should still take caution. We recommend using your debit card or cash to make purchases. Ensure you have money to play the lottery and avoid getting into debt when you play.
We recommend playing through a lottery syndicate to save money on tickets. You can also use various lottery strategies to increase your odds of winning. Use the information in this guide so you can make an informed decision on whether to use your debit or credit card to buy lottery tickets.