Buy Bitcoin with Credit Card Instantly [Beginner’s Guide]

Gone are the days when Bitcoin seemed alien to most of the people. At that time only a few geeks and traders knew about cryptocurrencies.


Within the last few years, Bitcoin has come into limelight. The credit for such a recognization goes to its volatility which attracted people towards it.

Since Bitcoin is still in its early age, everyone wants to get their hands on it. And thanks to a few companies who have made the purchasing Bitcoins a lot easier.

However, There are only a few trusted and reliable exchanges which have credit card as their payment gateway, reason being the ‘Chargeback‘. Thus, selecting the best exchange as per your requirements and demographics is a real struggle.

So, I thought why not share a comprehensive list of various exchanges and wallets which allow to Buy Bitcoin with Credit card instantly.

When I bought my first Bitcoin back in 2016, it was really a troublesome task for me. But you need not worry as I will give you complete details on buying BTC using a Credit card.

 Buy Bitcoin with Credit Card

Let’s get started! Shall we?

Best Ways to Buy Bitcoin with Credit Card

Before jumping on each of the site/mobile wallets, let’s have a quick comparison between each of the entity.

Bitcoin ExchangesExchange RatesLimit on BuyingTrust FactorOverall Rating
Bitstamp.25% (Variable)< $20,000/DayAverage4
Cex.io0.20% (Variable)€300/DayHigh4
BitPanda4.5% (Variable)€600/MonthAverage4
indacoinVariable$50 on 1st BuyLow3.5


Coinbase is one of the largest and a trusted website to buy Bitcoin. It has a very easy to understand user interface which is great for a first-time buyer.

It was started in 2012 and has gardened more than 2.8 Million users since then.

Coinbase is operational in 32 countries which include USA, Canada, Australia and Singapore to name a few. It has a maximum limit of $150 per week when paid via a Debit or Credit card. Before proceeding forward, Check here if Coinbase is available in your country or not.

First of all you need to get your account and card details verify, then only you will be able to make your purchase.

  • Create an Account on Coinbase
  • Complete your photo ID verification
  • Go to Payment Methods and add your Credit Card
  • Coinbase will send two small transactions between 1.01 and 1.99 on your card
  • Now Enter those amounts under Coinbase payment page
  • Your card is verified. coinbase payment

Once your account is verified and Credit card is added, its time to purchase Bitcoin.

Steps to Buy Bitcoin on Coinbase:

  1. Go to Dashboard & Select Bitcoin.
  2. Click on Buy/Sell tab.
  3. Enter the amount of BTC
  4. Select the Card for Payment
  5. Now, Click ‘Complete Buy’

That’s it! You will get your Bitcoins in your Coinbase wallet itself.

coinbase buy

Also, Coinbase charges a flat transaction fee of 3.99% for all the purchases done using a Debit or Credit card. These are fair when compared to other exchanges available in the market.

Easiest for BeginnersSupport takes time
High Trust FactorNot available worldwide
Good Buying Limits

Not only this, you will get Bitcoins worth $10 on your first transaction of $100 on Coinbase.

   Buy on Coinbase 

Before we move ahead, Let me give you a caution tip. Never keep your Bitcoin in any online wallet, just transfer your BTC to other Android Wallet, Hardware Wallet, Desktop wallet or Paper wallet. Because, if in case the exchange or wallet gets hacked, you will lose your Bitcoins. This has already happened with Mt.Gox hack.

After Coinbase, is my favorite place to buy Bitcoins with my bank cards. started in 2013 and has quickly gained momentum to become a huge broker for selling BTC with Credit card. works well in most countries of the world. The fee on buying is variable for different fiat currencies that you pay in. You can have a look at fee structure here.

cex fee structure

To buy Bitcoin, you need to create an account at and then complete the photo verification process and add the card in payment methods. It takes around 30 minutes to verify your account. add card

To Buy Bitcoin on with your Credit Card:

  1. Login to your Account
  2. Go to Buy/Sell
  3. Select or Enter the amount of Bitcoin you wish to buy
  4. Click on ‘Buy

You will soon receive Bitcoin in your wallet.

buy bitcoin on

High Buying LimitsHigh Transaction Fees
Good ReputationNot available Worldwide

Another great thing about is that you can instantly receive funds on the same payment card if you sell the Bitcoins. But this feature is valid only for USD,EUR and RUB payment cards. Moreover, even allows you to buy Ethereum with your Credit/Debit Card on

   Buy on


If you are buying Bitcoin for the very first time, then Coinmama is the best choice for you.

coinmama buy btc with credit card

No verification is required to buy bitcoins worth $150, however verified accounts can buy bitcoins worth $5000 per day and up to $20000 per month. Furthermore, It takes around 2 hours for the verification process to get completed.

Though the transaction charges are as high as 7%, there is no limit on buying.

Highest Buying LimitsVery High Fees
Great for BeginnersAvailable only in US
Good Trust Factor

For a Beginners, CoinMama will work like a charm as it given the option of buying bitcoins on the homepage itself. Also, Their customer support is really responsive and helpful.

   Buy on CoinMama


Bitstamp is one the oldest Bitcoin exchange which was established in 2011. This is a very popular company which specializes in selling Bitcoins with Credit and Debit cards.bitstamp

I found it very easy to buy bitcoins as they also accept wire transfer, SEPA, Credit/Debit cards etc. You just have to transfer the amount to their account and once they receive it, they will credit it in your Bitstamp account. Then you can buy bitcoins from the credits in your Bitstamp account.

The transaction or withdrawal fees is average which is a plus point. But it takes around 1-3 days for SEPA transfer and 2-4 days for bank transfer which is pretty frustrating at times. You can also have a look at Bitstamp Fee Schedule.

High Buying LimitsHigh Exchange Rates
Good ReputationNot available Worldwide

Initially, Bitstamp allowed transactions only in a few European countries but recently they have become operational in many more countries.

You can buy BTC from Bitstamp from most of the major countries. ie. EU28 & Switzerland, Norway, Monaco, Montenegro, Serbia, Turkey, Andorra, Moldova, Gibraltar, Iceland, Greenland, Liechtenstein, Isle of Man, Faroe Islands, Aland Islands, San Marino, Hong Kong, China, Singapore, Taiwan,  Australia, New Zealand, Japan, Argentina, Brazil, Israel, South Africa, Chile, Kuwait, Cayman Islands, Qatar, Saudi Arabia, India, Lebanon, South Korea, Puerto Rico, Peru, Madagascar, Mozambique, Dominican Republic, Curacao, Dominica, Jordan, the Bahamas, Bahrain, French Polynesia, Ecuador, Trinidad and Tobago, Barbados, Reunion, Jamaica, Paraguay, Brunei, New Caledonia, Guadeloupe, Martinique, and Sint Maarten.

   Buy on Bitstamp

Checkout Bitcoin Faucets to get Free Bitcoins.

Buy Bitcoins using Credit Card at BitPanda

This list cannot be completed without BitPanda. It is an Australian company which was started in 2014. The reason for its tremendous growth is the Low Transaction charges.

bitpanda buy btc

BitPanda allows to you buy Bitcoins through many ways like SEPA, Credit/Debit Cards, Wire Transfer, Skrill to name a few. BitPanda is quite secure and is very easy to buy/sell bitcoin.

The Buying limits at Bitpanda is quite low i.e. 600 Euros, when compared to other exchanges. Also, the transaction fee is not displayed clearly in the starting but adds up while completing the purchase.

Relatively Low feesFees is not displayed before transaction
Various Payment ModesLow Buying Limits
Good Reputation

   Buy on BitPanda

Buy Bitcoins using Credit Card at Indacoin

Indacoin is the fastest and the easiest way to Buy Bitcoin with a Credit card. Indacoin does not require any registration and you can buy bitcoins with 15 minutes.

buy bitcoin on indacoin with credit card

They have a limit of $30 USD to $100 USD for 1st transaction, $200 for the second one(in 4 days) and $500(in 7 days) for the 3rd transaction. So, if you are a regular buyer then this site is a must visit for you.

Also, If your card account currency is other than USD, the conversion will be completed at a rate of your bank.

The best part is Indacoin is available in mostly all the parts of the world including USA, UK, India, Poland, Finland, Canada, Australia and many more.

Available WorldwideHigh Fee
Responsive SupportLow Trust Factor
Fastest Amongst all

   Buy on Indacoin

Note: Though you can use your Credit card, these sites use you cash limit on credit card. So you need to cross check with your payment bank to know about the cash limit on your card.

I hope this article really help you alot to select the best way to buy Bitvoin using your Credit Card.

If you had used any of the exchange, then do share your exprience with you thorugh the comments below.

And if you are new to Bitcoins, then checkout the below given guides:


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