Shopping Discussion

Purchasing Lottery Tickets with Credit Cards

  • Last Updated:
  • Oct 27th, 2017 8:06 pm
Deal Addict
User avatar
Oct 13, 2007
3225 posts

Purchasing Lottery Tickets with Credit Cards

So with the recent Marketplace episode about being charged fees for lottery tickets because they are considered a cash advance, it appears that RBC confirms this and doing some research, it appears that TD is the same. There are statements put out that not all cards consider lottery purchases as cash advnaces and you can certainly avoid this by just buying them at a convenience store. However, I would like to get a lottery subscription so would like to know what banks/credit cards DO NOT charge any fees for these purchases if buying them form the lottery corporation directly. Some of you must have experience with this and be in the know.
27 replies
Deal Addict
Feb 16, 2013
1314 posts
Sorry to say, but statistically, buying lottery tickets is the same as taking your money and throwing it in the garbage.
Why on earth would someone buy lottery tickets on credit?

Use cash, if you have spare cash.
Jr. Member
Mar 22, 2015
159 posts
Toronto, ON
I've never been charged a fee in-store using my PC MC but got charged $5 using it on the website.
Deal Addict
Jan 12, 2017
1935 posts
I didn't think it's the card but more depends on where you buy it.
Lottery booth only takes cash/debit/cash advance, as lottery is only thing they sell, while convenience stores and gas stations cannot charge you as cash advance since you could buy lottery, gas, snacks, etc in one transaction.
Jr. Member
User avatar
Feb 15, 2017
132 posts
The PlayOLG website is very clear about this, so just use Visa Debit or Interac Online.

IDK why anyone would stiff store owners with the fees if they did accept credit card for lottery purchases. They can only lose money in this scenario.
Aug 27, 2015
74 posts
Vancouver, BC
Once time i use walmart master card to buy 649 lottery and it charges me $5 cash advance. So, never buy lottery by credit card.
Deal Fanatic
Sep 16, 2004
9321 posts
Comes down to greed by Credit card companies and Government support for such greed hence OLG leading the way in this fee.
A benefit of using your credit card and in a store like Shopper drugmart for instance is validation.
Many people found this was unfair or against the rules, but we've seen in the past where jackpot winners have been tracked down, and awarded the top prize, due to validation this way after they had lost their paper tickets.
Deal Guru
May 29, 2006
10050 posts
I buy all my sports select at shoppers with my world elite PC mastercard.

usually 50-60 bucks every weekend on NFL. gives me 1500-1800 PC points each weekend.
Feb 27, 2014
299 posts
Anyone ordered BC Children Hospital's Lottery online and paid by credit card without incurring a cash advance fee?
Nov 11, 2003
440 posts
Got charged the fee on PlayOLG when I first signed up. Realized that they consider it as cash advance so just use my TD Debit Visa instead so there's no fee.
Deal Guru
Jul 19, 2012
14468 posts
gh05t wrote: Comes down to greed by Credit card companies and Government support for such greed hence OLG leading the way in this fee.
not to mention it's a hugely regressive fee, as those most likely to play the lottery are the poorest, least-educated among us, which is hardly the place a supposedly-progressive country should be going to price-gouge on bank/CC fees.

It's right up there with the recent trend towards scamming the OCD/ADHD/Autistic gaming crowd with expensive and incessant loot chests and micro-transactions. It's like being allowed to sell beer in an AA meeting.
Official Response from Dollarama Management:

Dollarama has a no exchange/no refund policy, and as a result, all sales are final. This information can be found on the screen of each check-out/point-of-sale in our stores as well as on each receipt.
Sep 16, 2016
311 posts
I believe that you must buy your lottery using your money, cash. You can't buy it using the money you borrowed from the credit cards company unless it is a cash advance. If you only have 10$, just buy the maximum $10 lottery. Lottery is kind of gambling!
If we can dream it, we can make it!
Nov 11, 2006
388 posts
Vancouver, BC
kaliman wrote: Anyone ordered BC Children Hospital's Lottery online and paid by credit card without incurring a cash advance fee?
I used to buy tickets for probably every local charity lottery including the one you mentioned and never once was charge a cash advance fee. Most recently I bought the PNE prize home lottery tickets online and I wasn't charged the fee
Deal Guru
Feb 7, 2017
14986 posts
Eastern Ontario
Never been charged a cash advance fee... Be it OLG Lottery Tkts at the Grocery Store, Pharmacy, or Gas Station

Same thing with other organized big charity lotteries (Cancer, Heart & Stroke, Hospitals etc)

Sounds like it is only when buying direct from the Lottery Corp... And perhaps in particular Provinces ?

PS... I think someone should fight this legally. You take out a Cash Advance (ie at a Bank / ATM etc) and your CC gives you a receipt saying you owe them money... Nothing else. You BUY a Lottery Ticket, ya don't just get a receipt, you also get an actual item... A ticket. You bought a ticket. Same as any other PURCHASE made with a cc (you get an actual item in addition to your receipt).

Plus you get a ticket... And a HOPE FOR CASH... No real cash. So it is not a Cash Advance.