Croy was born at Hamilton in 1974. He played age-group cricket for Northern Districts during the 1993–94 season and toured Pakistan with the national under-19 team in early 1994, playing in all three under-19 Test matches and two of the three under-19 One Day Internationals on the tour. He moved to Otago the following season in search of a place in a representative team[2] and made his debut playing for the team in a List A match against Canterbury at Centennial Park in Oamaru as the team's wicket-keeper. He scored 21 not out and held two catches on debut before going on to keep wicket in all but one of Otago's matches during the season. He made his first-class debut in December against Central Districts―scoring 61 runs and holding six catches as Otago won by an innings[2]―and played against the touring West Indian team later in the season as well as appearing twice in first-class matches for the New Zealand Academy team against touring teams from South Africa and Sri Lanka.[1]
After establishing himself in the Otago team, Croy was part of the New Zealand Academy team which toured South Africa in 1997.[3] He was the deputy wicket-keeper to Adam Parore during the 1999 tour of England, picked for the quality of his wicket-keeping rather than for his weaker batting.[2][3] He played in four first-class and three List A matches for New Zealand during the tour, but did not break in to the full international team. He toured England again in 2000, this time with the New Zealand A team, playing in five first-class matches―including against the West Indian team which was touring England at the time—and three List A fixtures, as well as playing for the New Zealanders against The Netherlands in one of the team's warm-up matches in Amsterdam.[1]
Croy retired at the end of the 2001–02 season. He played in a total of 65 first-class matches―42 of them for Otago―and 75 List A matches. He scored 1,664 first-class and 1,135 List A runs.[1][2] He took seven catches in an innings, at the time one of only four New Zealanders to have done so in first-class cricket in the country. The record was broken in 2010 when Derek de Boorder took eight catches in an innings for Otago, equally the world record for the number of catches in an innings by a wicket-keeper.[4][5] When he retired Croy was third in wicket-keeping dismissals for Otago.[6]