To lightly enjoy a game or a race by a point of a card by use of a betting/refund terminal regardless of distance from a racetrack or a racecourse.

This betting/refund terminal system has: a means displaying diverse data on a diverse public-managed or private-managed game, race or the like by a voice/video, printed matter or the like, and allowing a bettor to perform selection and to obtain information; a means performing betting in the terminal; a means subtracting betting money from the point of the credit card and adding a dividend to the card as a point by a computer of a card service department; and a means cashing the point in the terminal.