Online Baccarat Casinos

Baccarat, a game with a storied history and a staple in casinos worldwide, has firmly established its presence in the digital realm of New Zealand’s online gambling sector. This classic card game, which has evolved from its French origins, is cherished for its simplicity and the quick nature of its gameplay. In New Zealand, the game has garnered a significant following, with a plethora of online casinos offering various iterations of Baccarat to cater to the preferences of Kiwi players.

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The Landscape of Online Baccarat in New Zealand

As of 2024, the New Zealand online gambling landscape has witnessed the emergence and proliferation of numerous platforms providing Baccarat games. These platforms are not only offering the traditional formats but also real money variants such as Chemin de Fer, where players alternate being the banker, adding a layer of strategy and social interaction to the game. This variation is particularly noteworthy as it deviates from the norm where the casino acts as the permanent banker, thus enhancing the player’s engagement.

how to play real money baccarat online

Several online casinos have been identified as the best in New Zealand for Baccarat enthusiasts, with one offering daily cashback up to 20% and boasting a withdrawal time of 0-2 days. This casino also impresses with its extensive library of over 5,000 games, accommodating wagering limits that range from $0.05 to $7,500, thereby appealing to both casual players and high rollers alike.

How to Play Real Money Baccarat Online

Baccarat is a card game that involves betting on one of two hands—the Player’s hand or the Banker’s hand. The objective is to bet on the hand that will have a point total closest to 9. Cards 2 through 9 are worth face value, Aces are worth 1 point, and 10s, Jacks, Queens, and Kings are worth zero points. If the total value of cards exceeds 9, only the second digit is considered. For example, a 9 and a 7, which total 16, make up a 6-point hand.

Step 1: Placing Bets

Before any cards are dealt, players place their bets on either the Player’s hand, the Banker’s hand, or a tie between the two. It’s important to note that betting on the Banker’s hand may include a commission due to its slightly higher odds of winning.

Step 2: Dealing the Cards

Once bets are placed, two cards each are dealt to the Player and the Banker. The dealer does this according to fixed rules, which means players do not make decisions regarding card draws.

Step 3: Understanding ‘Natural’ Wins

If either the Player or Banker is dealt a total of 8 or 9, this is called a ‘natural,’ and no more cards are dealt. The game ends, and bets are paid out accordingly. A natural 9 beats a natural 8.

Step 4: Further Card Draws

If neither hand has a natural, the game’s rules determine if the Player’s hand should receive a third card. The Player’s hand stands on a total of 6 or 7. If the Player has a total of 5 or less, they draw a third card. The Banker’s hand then plays according to more complex rules, which depend on the Banker’s current total and the third card drawn by the Player.

Step 5: Determining the Winner

After all cards have been dealt, the hand closest to 9 wins. If you bet on the winning hand, you receive a 1:1 payout. A winning bet on the Banker also pays 1:1 but typically includes a 5% commission. A tie bet usually pays 8:1 or 9:1, depending on the casino’s rules.

Tips for Beginners

Base Bet and Progression

Beginners should start with a base bet and, after a win, increase the bet by one unit. This allows for a clear progression strategy and helps manage the bankroll effectively.

Practice First

Before playing with real money, consider practicing with free baccarat games. This is especially useful when playing unfamiliar variations of the game, such as 3-card baccarat.

Betting Strategy

Betting on the Banker’s hand has the lowest house edge and is considered the safest bet, despite the commission. Avoid the tie bet as it has a significantly higher house edge compared to the Player and Banker bets.

Types of baccarat games

Baccarat, a game once reserved for the aristocracy, has evolved into a popular casino staple with several variations. Among these, Punto Banco, Baccarat Chemin de Fer, and Baccarat Banque stand out as the most prominent.

Punto Banco: The Prevalent Variant

Punto Banco, often regarded as the most widespread version of Baccarat, is particularly favored in North America, Australia, and Macau. The fundamental aspect of Punto Banco is that the game is a pure game of chance, with players’ moves being strictly determined by the cards they are dealt. There is no strategy or skill that can influence the outcome of the cards.

Gameplay and Rules

In Punto Banco, the game begins with the dealer drawing four cards: two for the ‘Player’ (Punto) and two for the ‘Banker’ (Banco). Players bet on which hand will have a total closest to nine, or if the result will be a tie. The face value of the cards is taken into account, with the exception of 10s and face cards which are worth zero, and aces which are worth one. If the total exceeds nine, the second digit of the sum is considered the value of the hand.

The third card rules in Punto Banco are predetermined. If either the Player or Banker has an 8 or 9, no additional cards are drawn. Otherwise, the Player’s hand is completed first, followed by the Banker’s hand, which follows a set of more complex rules.

Odds and Payouts

The typical payouts in Punto Banco are even money (1:1) for bets on the Player or Banker, with the exception of a commission (usually 5%) taken on winning Banker bets. A winning tie bet usually pays 8:1. The house edge is relatively low, at approximately 1.06% for Banker bets and 1.24% for Player bets.

Baccarat Chemin de Fer: The Classic French Variant

Chemin de Fer is the original French version of Baccarat and is still widely played in European casinos. Unlike Punto Banco, Chemin de Fer allows players to take on the role of the Banker, and players can make choices during the game, which introduces an element of skill.

Gameplay and Rules

In Chemin de Fer, one player is designated as the Banker and deals the cards. The other players are ‘Punters’. The Banker sets the amount they are willing to risk, and the Punters take turns to match the wager or ‘go bank’, playing against the entire current bank with a matching wager. If no one ‘goes bank’, players make their wagers in order.

After the bets are placed, the Banker deals two sets of two cards: one for the Player and one for the Bank. Similar to Punto Banco, the goal is to reach as close to nine as possible. However, players have the option to draw a third card or stand, giving them a significant role in the outcome of the game.

Odds and Payouts

The odds and payouts in Chemin de Fer are similar to Punto Banco, with winning bets on the Player or Banker paying even money. However, the Banker may negotiate the commission with the casino, which can vary.

Baccarat Banque: The Three-Person Game

Baccarat Banque is another traditional variant that is quite similar to Chemin de Fer. The key difference lies in the role of the Banker, which is more permanent in Baccarat Banque.

Gameplay and Rules

In Baccarat Banque, the position of the Banker is more fixed and is often determined by auction at the beginning of the game. The Banker plays against two player hands simultaneously. Players can challenge the Banker and ‘go bank’, but they do so for only one of the two player hands.

The drawing rules for Baccarat Banque are similar to those of Chemin de Fer, with players having the choice to stand or draw a third card. However, the game is played with three decks of cards, as opposed to the six or eight decks commonly used in Punto Banco and Chemin de Fer.

Odds and Payouts

Odds and payouts in Baccarat Banque are not widely published, as it is less commonly played than Punto Banco and Chemin de Fer. However, they are generally assumed to be similar to those in Chemin de Fer, with variations based on the specific casino’s rules and commissions.

Mini baccarat

Mini Baccarat, a simplified version of the traditional game, is popular in many casinos. The rules are the same as Punto Banco, but the game is usually played on a smaller table, making it accessible for beginners. The stakes are also generally lower, and the game tends to move at a faster pace due to the dealer controlling the card play, unlike in the traditional version where players take turns dealing the cards.

European baccarat

European Baccarat is a variant that’s similar to Chemin de Fer but has a few key differences. Notably, the casino banks the game at all times, and the Player has the option of standing or drawing on five. This variant also allows the Banker the option to draw a third card.

Dragon Tiger

Dragon Tiger is a simplified version of Baccarat that originated in Cambodia. It is a two-card version of the game where players bet on which card will be higher, the Dragon or the Tiger, or if the round will end in a tie. With a fast pace and straightforward rules, Dragon Tiger is a popular choice for beginners and seasoned players alike.

3-card baccarat

3-Card Baccarat, popular in Asia, is a quick-paced variant of the game. Each hand, Player and Banker, receives three cards. The highest possible hand is three face cards, and the rules for counting the other hands are the same as standard baccarat. The game doesn’t offer any chance to draw additional cards.

Baccarat strategies

One of the most popular betting strategies in baccarat is the world-renowned Martingale system. This betting strategy is effective for several casino games, especially roulette and baccarat.

The Martingale System

Setting a money goal can be straightforward by following these two rules: ● Double your bet if you lose. ● Return to your original bet if you win.

For instance, if your initial bet is $2 and you lose the first round, your next bet should be $4. If you keep losing, continue to double your bet. However, once you win, you can start again from $2. Remember to set both a money and time limit to maintain control and ensure you’re having fun.

A well-known baccarat strategy with an Italian twist is the Fibonacci system! This strategy heavily focuses on Banker bets, following a specific sequence of betting values per round. If this seems complicated, don’t worry!

The Fibonacci System

To use this betting system, follow these steps: ● Start with a minimum bet value, for example, 1. ● If you lose, move one step to the right in the sequence. ● If you win, move two steps to the left. ● If you can’t move any further to the left, you’ve reached your goal! You can then choose to start over or stop playing.

Here’s a quick example: Let’s say you set $2 as your minimum bet. Your betting sequence would follow a specific pattern. When using this method, it’s wise to set a betting limit, as betting amounts can increase rapidly.

The Labouchère System

Suppose you aim to win $50 with a $5 minimum bet. Begin by writing ten $5s in a row. Each time you place a wager, add the first and last numbers. In this case, it will be $10.

If you win, cross out the first and last numbers. If you lose, add a new number to the right of the sequence, representing the amount you lost.

If you manage to cross out all the numbers, you’ve achieved your goal of a $50 win! So, what’s your favorite baccarat strategy?

Regulatory Framework and Player Safety

In New Zealand, the regulation of online gambling is a critical factor that ensures the safety and fairness of the games offered. The government has implemented measures to regulate the industry, ensuring that players engage in online Baccarat within a secure and trustworthy environment. Online casinos operating in New Zealand are expected to adhere to strict guidelines, including the use of random number generators and encryption technologies to protect player information and financial transactions.

User Experience and Accessibility

The user experience in New Zealand’s online Baccarat casinos is often highlighted in reviews, with experts meticulously evaluating various aspects such as the ease of navigation, the responsiveness of customer support, and the availability of different banking methods. These elements are crucial in providing a seamless and enjoyable gaming experience for players. The accessibility of games on multiple devices, including mobile phones and tablets, allows players to indulge in Baccarat wherever they are, further enhancing the game’s appeal.

Popularity and Cultural Impact

The game of Baccarat has not only enjoyed popularity in physical casinos but has also found a special place in popular culture, often associated with the suave and sophisticated image of James Bond. This cultural impact has undoubtedly contributed to the game’s allure and has been a driving force behind its popularity in online casinos in New Zealand.

Online Baccarat Casinos in Detail

One of the most renowned online casinos in New Zealand, Jackpot City, established in 1998, has over two decades of experience in the online gaming industry. With support for 15 languages and an impressive selection of approximately 700 casino games, it offers an extensive range of Baccarat games suitable for a diverse audience.

Furthermore, live dealer Baccarat has also gained traction, providing players with an immersive experience that replicates the atmosphere of a land-based casino. The best online casinos for live Baccarat have been identified, offering players in New Zealand the opportunity to engage with real dealers and experience the game in real-time.


What is Super 6 in Baccarat

Super 6 is a side bet in some versions of Baccarat, most notably found in Punto Banco, where players can bet on the Banker winning with a score of 6. If the Banker wins with a 6, this side bet pays 12:1 or 20:1, depending on the casino’s specific rules. However, it’s important to note that the Super 6 bet has a significantly higher house edge than the standard Player or Banker bets.

How to Get an Edge in Baccarat

Understanding the odds and the house edge in Baccarat can give you an advantage. Betting on the Banker’s hand offers the lowest house edge, while the tie bet has the highest. It also helps to understand the rules of third card drawing as they can influence the game’s outcome. Lastly, setting a betting strategy and sticking to it can also give you an edge.

How Many Betting Positions on a Baccarat Table

A traditional Baccarat table has three betting positions: the Player, the Banker, and the Tie. However, some Baccarat variations may offer additional betting options, such as pair bets or side bets like the Super 6.

Is Baccarat a Game of Skill or Luck?

Baccarat is primarily a game of luck as the outcome is determined by the cards dealt, which is random. However, understanding the game’s rules, the odds, and developing a betting strategy can improve your chances of winning.


John Davenport

Role: Writer

Experience: 4 years within the iGaming industry