Baccarat Online Casinos in New Zealand

Baccarat is a popular card table casino game where you bet on the outcome of two hands, the "Player" and the "Banker." In this ultimate guide to baccarat casinos online, I provide a comprehensive overview of everything you need to know to enjoy the game to its fullest.

You’ll learn how to play baccarat step by step, including the rules, betting options, and common strategies to improve your chances of winning. I also break down key baccarat terminology so that you can understand all of the terms used.

Additionally, I you will learn about baccarat NZ payouts, and house edge plus read useful tips to help you along. If you’re wondering where to play baccarat for free or for real money, take a look at our top baccarat casinos below.

Below, I’ve reviewed six of the top baccarat casinos online in New Zealand, focusing on the specific baccarat games you can play.

Whether you prefer classic versions or immersive live dealer options, these casinos have it all. 

Wondering how to play online baccarat? It’s super easy! Here's a simple guide on how it works. 

How to Play Online Baccarat & Rules  

Step 1: Choose a Baccarat Table 

When you open the Online baccarat New Zealand game, you'll usually see different tables with various betting limits.   

Step 2: Decide Who to Bet On 

You'll have three choices: bet on the "Player" hand, the "Banker" hand, or a "Tie" between the two.   

Step 3: Place Your Bet 

Use the virtual chips provided to place your bet on your chosen outcome.  

Step 4: The Dealer Draws the Cards 

Once bets are placed, the dealer draws two cards for the "Player" and "Banker" hands. 

Step 5: Determine the Winner 

The hand closest to 9 wins. Picture cards and 10s count as 0 and the rest are worth their face value. If the total goes over 9, it starts over from 0.  

Betting Options: 

• Player: Betting on the player's hand. Pays 1:1 if it wins.
• Banker: Betting on the banker's hand. Wins, but a small commission (usually around 5%) goes to the house.
• Tie: Betting that both hands will tie. Riskier but offers higher payouts (usually 8:1 or 9:1). 

Card Values: 

• Aces are worth 1 point.
• Cards 2 through 9 are worth their face value.
• 10s and picture cards (King, Queen, Jack) are worth 0 points.  

Hand Rankings: 

A "Natural" is when you get an 8 or 9 with the first two cards. If neither hand has a natural, the third card may be drawn based on specific rules.

Additional Options: 

• Rebet: If you want to bet the same amount as the previous round, you can use the "Rebet" button for convenience.
• Clear Bet: If you change your mind, use the "Clear Bet" button to remove your chips from the table.
• Double Bet: Feeling confident? Hit the "Double Bet" button to double your previous bet quickly. 

Random Number Generation (RNG):

Online baccarat uses RNG to ensure fairness. This means the cards are randomly generated by a computer program to keep the game unbiased.

Common Bets in Online Baccarat  

• Player Bet: Bet on the player's hand to win (1:1 payout).
• Banker Bet: Bet on the banker's hand to win (1:1 payout with a small commission).
• Tie Bet: Bet on a tie between player and banker (high payout, high house edge).
• Player Pair and Banker Pair: Bet on pairs in player or banker hands.
• Big and Small: Bet on the total number of cards dealt.
• Natural Win: Bet on a natural win with a total of 8 or 9 points.  

Baccarat table layout 

• Table: Kidney-shaped table with player, banker and tie betting areas.
• Player and Banker Areas: Where bets on the player (Punto) or banker (Banco) are placed.
• Tie Bet Area: For betting on a tie outcome.
• Card Shoe: Holds the decks of cards.
• Commission Box: Where banker bet commissions are placed.
• Chips: Used for betting.
• Bet Limits: Displaying minimum and maximum bet amounts.
• Payouts: Show odds for player, banker and tie bets.
• Scoreboard: Displays recent results.
• Dealer: Manages the game and card dealing.  

How to understand the payouts 

• Player Bet: 1:1 payout (e.g., $100 bet wins $100).
• Banker Bet: 1:1 payout with a commission (e.g., $100 bet wins $95).
• Tie Bet: High odds (e.g., 8:1) but risky (e.g., $100 bet wins $900).
• Player Pair and Banker Pair: Higher odds (e.g., 11:1) for pairs (e.g., $50 bet wins $550).
• Big and Small: Payouts vary (e.g., 1:1) based on card totals.
• Natural Win: 1:1 payout for a total of 8 or 9 points (e.g., $75 bet wins $150). 

• Punto Banco: It's like the "regular" baccarat you see in most casinos, like Wildz Casino, which is my best online baccarat casino. It's a straightforward game where I bet on either the player or banker to win.
• Baccarat Banque: In this one, I found that the banker position isn't fixed; players take turns being the banker. It's a bit more strategic and I had to use my skills to outplay others.
• Chemin de Fer (or Chemmy): This one's like a cool and fancy version of baccarat. Players take turns being the banker and I had a chance to make decisions on drawing cards.
• Live Baccarat: It's baccarat, but with a real human dealer in front of a camera. It’s also possible to play New Zealand roulette or online pokies at Casino.com New Zealand in New Zealand.
• Online Baccarat vs. Live Baccarat: Online baccarat is a computerised version I play on my device, while live baccarat is more like being at a real casino with a live casino dealer. The main difference is the human touch and interaction in live baccarat, making it feel more authentic, in my experience. 

After going through how to play baccarat online casino, it’s time to start thinking about playing with real money. Here’s how it works.  

Play For Free 

Playing Baccarat for Free at Online Casinos: 

1. Find a Reputable Casino: First, I looked for a baccarat online casino that offers a "play for fun" or "demo" version of baccarat. Jackpot City or Royal Panda are highly recommended.
2. Create an Account: If I didn't already have one, I created a free account at the casino. Quickwin casino makes this easy as.
3. Select the Game: After logging in, I went to the casino's game library and found the baccarat game. It should have a "play for fun" or "demo" mode. Check out Leo Vegas casino.
4. Start Playing: I clicked on the game and chose the "play for fun" option. This allowed me to enjoy the game without using real money.
5. Practice Away: I could now play as much as I wanted, practising my baccarat skills without risking any of my hard earned cash.  

The Excitement of Playing for Real Money: 

• Win Real Cash: The biggest thrill is the chance to win actual money.  
• Higher Stakes: When you're playing with real money, the stakes feel higher and the adrenaline pumps a bit faster. Every decision matters.
• Compete with Others: Many online casinos offer multiplayer baccarat casino games where I could compete against other real players.   

How to Play Baccarat for Real Money: 

1. Create an Account: To play for real money, I had to create an account at a baccarat online casino.  
2. Deposit Funds: After signing up, I needed to deposit some money into my casino account, such as using a paysafe card.  
3. Choose a Baccarat Game: In the casino lobby, I found the baccarat games and selected one.
4. Place Your Bets: I placed my bets just like in practice mode but with real money this time.

Now that know how to play with real money, explore our expert Pro Baccarat Tips and Strategies to boost your chances of success.  

Online Baccarat Tips 

• Know the Rules: First thing, I made sure to understand the rules of baccarat. It's not complicated, but knowing what's going on is key.
• Set Betting Limits: I set a budget and stuck to it.
• Time Limits: I also set a time limit for my baccarat sessions.
• Practice for Free: I practised in "play for fun" mode before betting real money.   

Baccarat Online Strategies 

• Martingale System: I try doubling my bet after each loss, so I could recover my losses when I eventually won.  
• Paroli System: This one's the opposite of Martingale. I increase my bet after each win, hoping to ride a winning streak.
• Flat Betting: I kept my bets consistent and didn't change them based on wins or losses.  
• Banker Bet Strategy: Some say the banker bet has a slight edge, so they stick with it.  

Playing baccarat on my mobile device is almost like playing on my PC, which is awesome because I can take it anywhere. But there are a few differences worth knowing:  

• Touch Controls: Instead of a mouse, I use touch controls on my mobile.  
• Apps vs. Browser: I can either play in my mobile browser or download a casino app.
• Internet Connection: Mobile data or WiFi can be less stable than my PC's connection. 

• Baccarat Rules: It's kinda simple. Bet on player, banker, or tie. Get cards, add 'em up to get close to 9 without going over.
• Natural Hands: Natural means getting an 8 or 9 with just two cards  instant win!
• Dealing Cards: The dealer gives two cards to the player and two to the banker. Sometimes, a third card is thrown in based on rules.
• Bets Galore: You can bet on the player's hand, the banker's hand, or that it's gonna be a tie. Different bets, different payouts.