Online Baccarat Sites NZ

If you ever happened to find yourself at a land-based casino, chances are you would have witnessed an intriguing game of baccarat. The popular card game is played between the player and the banker, with both comparing hands. The winning hand and outcome for a Baccarat game will either see a banker win or a player win. Also, Baccarat betting systems will see players bet seeing three possible outcomes: hand winning, a loss or a tie bet.

You might remember Baccarat games being played at James Bond's movies, with Bond always securing the winning hand and schooling us on how to play Baccarat and win. The good news is, you do you can play baccarat online with most casinos offering the game both as a non-live casino card game and also at the live casino.

Ever wanted to learn baccarat? How to play the game and win? Let us guide your baccarat online game strategy, how to play a baccarat game and hopefully how to secure a winning hand and winning bets.

By Amelia Smith - Updated 16/04/2024 - Estimated reading time: 15 minutes.

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Online Baccarat Sites NZ

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Best online baccarat casinos

  1. 1
    NeonVegas Since 2020
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  2. 2
    Wildz casino
    Wildz casino Since 2019
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    Viggoslots Since 2017
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    iBet casino
    iBet casino Since 2021
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    SkyCity Casino
    SkyCity Casino Since 2019
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Best online baccarat casinos

You can play baccarat online at casino sites, with casino card games offered at both live casinos and non-live tables. Baccarat players can opt to place both minimum bets and maximum bets, with the exciting game offering ample betting options. Online casinos also offer high roller tables with maximum wagers aimed at please and target high-wagering players. Check out the table above for the best NZ casinos offered.

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Baccarat game rules

You will find many Baccarat table game options to binge on at the best online casino sites. The game is sometimes referred to as Punto Banco but in the world of online casinos, the game is commonly known as simply Baccarat or Baccarat online.

Before you hit the Baccarat tables and go all in for the win, we suggest you read up on baccarat how-to-play strategies, get acquainted with baccarat rules and play the game for free at gambling sites. Although Baccarat card rules are not hard to master, it would be ideal to brush up on your online baccarat strategy.

The biggest Baccarat rule to keep in mind is that a Baccarat game is played solely between player and banker, with the one scoring the closest to 9, securing a natural win. The total number of cards dealt will be added up, with different cards having a different value just like any other card game. During Baccarat games, the Ace card has 1 point, which both face cards dealt and tens not counting. All other available deck cards are worth the amount according to their respective face card value.

During a Baccarat game, cards are dealt with two cards being drawn, with sometimes a player having to draw a third card, if the total face value of the first two cards is lower than 9. If the player who draws a third card goes over 10 or more, the double digits are subtracted, giving you a fresh new initial deal amount to hopefully beat the banker's hand.

Here are some practical Baccarat table examples of cards drawn and how they arecounted during a game of Baccarat:

An ace and an 8- The aces count for 1, and the eight count for its face value. So 9 points together.

A king and a queen- The Queen and Kings count for 0, so the total score is 0.

A jack and a 6- The Jack is worth 0, and the six is 6, so this hand is valued at a total of 6 points.

A seven and an eight- According to Baccarat card rules seven and eight together make up a total hand of 15. Since the first two cards add up to over 10, as per baccarat online rules, we subtract 10, with the final banker or player hand scoring a total of 5.


Playing Baccarat at Fun casino.

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Baccarat betting types

The Banker, also known as the Banco is the one manning the baccarat online game, with you, the punter having the responsibility of placing player bets with each hand of the Baccarat game being played. The Baccarat table offers many bets on how the outcome of the table game unfolds. Here are some of the most common bets that will hopefully help you land Baccarat hands wins at your favorite online casino site.

Tie Bets

Tie bets are not the most popular bets when placing bets on Baccarat games, however, it is a possible punter bet available to you. During a tier bet, you envisage that both the banker's hand and the player's hand end up with the same value. Although the house edge is high for Baccarat game tie bets, the odds of both the player's and banker's hands being aligned are relatively slim.

Player Bets

A player bet will see your bets favouring the player as opposed to the banker. Your betting entails wagering on the player getting a total face value of not more than 9, but a face value higher than the banker's hand. The odds of the Player having a better hand compared to the Banker are lower, but can also produce some good online baccarat hand wins. Things to keep in mind include the third card rules, where the Banker draws a third card after the Player, hence having a high house edge on securing hand wins.

Banker Bets

A Banker bet is technically everything that a player bet represents, with the only change being wagering on the banker winning the Baccarat game. Since playing your bets on the banker's hand is one of the most favourable at any Baccarat table, wins deriving from banker bets are sometimes subject to a small 5% commission. The amount is deducted before your winning hand is paid out. Both the player and banker bets offer a 1:1 payout, with no commission paid on any player wins.

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How does a game of online baccarat unfold?

Before Baccarat games take off, it is good to have some basic baccarat how-to-play knowledge under your belts. Some of the basics that compose online baccarat include the game being played with a deck of 52 playing cards. Unlike popular table games such as Roulette or Poker, Baccarat is more of a solitary game where only 2 players play the game.

Baccarat Gameplay - The First Cards are Dealt

Before online Baccarat cards are dealt with, a round of betting starts. Here is when you place a bet on either the banker or the player. Alternatively, bets can be wagers on tie bets.

Once the bets are placed, the first two cards are dealt with both the player and the banker receiving 2 cards each. The next step is counting the total amounts of the 2 cards dealt and understanding if a winner is declared.

Baccarat Gameplay - Has a player secured a Natural Win?

If you are playing online baccarat, the scores will be available to view via the game interface. At this stage of the game, if either the player or the banker reaches the 8 or 9 points following the initial cards being dealt. a natural win is called. This is when the player reaching the score will be declared the winner, with all online baccarat bets placed being paid out to punters.

Baccarat Gameplay - Another Card for the Player?

When both the player and the banker have not reached the total score of 8 or 9, a third card is drawn for the player. The player stands at the 6 or 7 total amount sometimes, with the option to draw a third card and hope not to go over the 9 score. If this happens, the banker wins. With the player drawing the third card before the banker, the player has more chances of going bust, hence the banker hand wins.

Baccarat Gameplay - Another Card for the Bank?

If the player stands, meaning no third card applies. Here the banker has some options. If the banker has a better hand, the latter wins the game. If the Banker are in a tie, the banker will have the third card rules applied, with a third card being drawn for the banker. You can get many outcomes here, but since the player either stays or draws first, the banker has a better probability at hand winning a Baccarat Game.

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Baccarat Gameplay - Who Wins?

Both the banker or player getting closest to 9 first will secure an online Baccarat winning hand. In very extreme situations, and all based on pure luck, sometimes both parties land a tier score. This means that both the player's hand and the banker's hand have secured the exact same number value when the 2 cards have been combined to feature a score.

Betting payouts differ per online casino, with both non-live and live baccarat offering different payouts and game variations. Highroller Baccarat table games are also available, offering higher waggers and even better payouts.

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Baccarat strategy

Whilst slot machines just require you to set your wager and spin the reels of the game, table games do require a certain element of skill to master your game. One of the best ways to learn Baccarat is to play baccarat and you can do so for free at many online casino sites. Heading over to the table game section, you can play Baccarat for free whilst equipping yourself with the necessary online Baccarat skills to land wins.

Both off- and online casino sites offer punters a Baccarat betting guide and Baccarat how-to-play strategies. We suggest you take your time reading and building up your knowledge, along with testing your skills by playing yourself.

Before hitting the Baccarat tables, it would also be wise to learn more about the payouts each bet offers, here is a glimpse of what to expect. Keep in mind that not all Baccarat offer the same bets and payouts might also differ from one gambling site to another:

Player Hand win 0.95: 1

Banker Hand Win 1: 1

Tie 8:1

Player Pair 11:1

Banker Pair 11:1

As the above explains, placing your wagers on the banker's hand is always more profitable, with banker wins offering bigger payouts. Odds for side bets set at 11:1 are also worth considering when placing your bets on either the banker or the player.

Bank ScoreBank ActionOnly if

0, 1, 2

Another card



Another card

The player’s card was not an 8


Another card

The player's third card was a 2, 3, 4, 5, 6, or 7


Another card

The player's third card was a 4, 5, 6, or 7


Another card

The player's third card was a 6 or 7


No third card

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2000 casino games

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2050 casino games

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1500 casino games

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1000 casino games

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Baccarat variants

The world of online casinos is a vast one, and hence it also carries many table game variants to please table game lovers. Just like any other table favorable, Baccarat offers punters many variants of the game to binge on. To play Baccarat, you can both head to a land-based casino site and play in person. Alternatively, you can head over to online casino sites, where most online playgrounds offer various game options to delve into the Baccarat world.

Here are some of the best Baccarat game options you will find at online gambling sites:

3 Card Baccarat game

This Baccarat game is all about playing with 3 cards. Whilst gaining popularity in land-based casinos in Macau and Asia, the online game follows the same third-card rules and is played with a single deck of cards.

Punto Banco - Commission Free Baccarat game

Punto Banco is sometimes referred to as commission-free baccarat games. The game adopts the same rules as the traditional Baccarat online, except winning banker bets offer chunkier real money winnings. Punto Banco house edge on both player bets and ties are relatively the same, with the banker bet offering a 1.46% house edge at best.

Chemin de Fer

If you want a quick game of Baccarat, you can opt for the French version called Chemin de Fer. The game is named after a railway station, where all the action happens swiftly, the same as the rounds of a traditional Chemin de Fer game.

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Live Casino Baccarat game options

Live Casino is a live game section at online casino sites offering live table games that you can join from the comfort of your own home. Today's online casinos know very well that having a good game variety will attract a strong player base, hence Baccarat online is one of the game options available at your disposal.

Once you visit an online casino site, online Baccarat will be available via a dedicated section, offering various Baccarat live games all manned by live dealers. Here are some of the Baccarat table games you will be able to wager on pairs and die

Live Baccarat

Offered by many game producers such as Playtech and Evolution Gaming, Live Baccarat offers players traditional Baccarat online with some added features to amplify their gameplay. Apart from the traditional betting options, you can place pair-side bets. Baccarat Live allows you to view other player moves live, and also view game statistics as the game flows along.

Salon Prive' Baccarat

High roller Baccarat tables as sometimes located or referred to as Salon Prive Baccarat, where normally the game stakes and best have higher limits and higher minimum betting options. With Prive Baccarat tables available, the tables are also manned via a VIP Manager who hosts along with the table dealer.

Multi-Camera Baccarat

This type of Baccarat game does not offer any Baccarat rules different than the traditional Baccarat games, hover it does offer a more immersive experience to players sitting at the table and tempting their luck at Baccarat. Casinos have the option to offer Baccarat live with added multi-camera options, offering online Baccarat and immersive game options.

Mini Baccarat

Mini Baccarat is another Baccarat online game available at live casino sites. During the game, you have high-roller options for your betting strategy, along with betting options to place bets on the banker's hand, player's hand or tie.

Lightning Baccarat

Lighting Baccarat online offers players the chance to delve into the world of Baccarat with the possibility of boosting their payouts with multipliers. Using 52-card deck cards, multipliers offered include 2x, 3x, 4x, 5x or 8x your total bet, making wins quite substantial.

Live Baccarat

Live Baccarat at NeonVegas casino.

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Features of Live Baccarat table games

As you might have predicted the online world of Baccarat games is relatively different than a traditional brick-and-mortar casino. During online baccarat, you will be able to enjoy 2 additional betting options, Player Pair and Banker Pair bets. This betting option allows you to place bets on either of the 2 players landing a pair when the initial first two cards are being dealt. The payout for pair bets is a great one at 11:1 and could see you pocket great hand winning when landed.

Other features available when playing Evolution Gaming's Live Baccarat games include additional bets that could see you walk away with up to 200:1 your bet. Other betting options include Player Bonus, Banker Bonus, Perfect Pairs and Either Pairs. These extra betting options are not available at traditional casino table games but promise to spice up your live Baccarat gameplay.

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Frequently asked questions about Baccarat

What is the difference between Baccarat and Punto Banco?

Baccarat is a collective name for several card games that are all very similar. Punto Banco is the most popular form in New Zealand and in online casinos.

A similar situation exists in poker. Poker is the collective name for various games such as Texas Hold'em, Omaha, Stud, and even Caribbean Stud. Of those variants, you also have variations in terms of bets (No-Limit, Limit, Pot-Limit, and Spread Limit, for example). The most popular variant is No-Limit Texas Hold'em. The latter is simply referred to as poker by many players and journalists but is actually just one version of several games that fall under the heading of "poker."

How does Baccarat scoring work?

An ace represents 1, the 2 through 9 their own value and the tens and face cards represent 0. You add the value of your two or three cards to arrive at the total number of points. If you have ten or more points, subtract 10 again. Whoever gets closest to 9 wins.

Example: if you get a king and a three, you have 3 points total because the king is worth 0 points. If you have a 6 and a 7, you also have 3 because 6 + 7 = 13, minus 10 = 3 again.

What is Baccarat?

Baccarat is a famous table game that is played at both land and online casino sites. The game is played between the banker and the player, with the punter having various betting options available throughout the game.

Can I play Baccarat online?

Baccarat is widely available at online gambling sites in NZ and worldwide. Non-Live Baccarat games are available to play for free or for real money at casino table game sections, whilst Live Baccarat is available to play at Live Casino sections. Both options offer various variations of the game.

What rules do I need to know to play Baccarat?

To play Baccarat online, you would need to learn the rules that apply to any Baccarat table game. Every Baccarat game kicks off with 2 cards being dealt to both players, with an option of having another card dealt or staying out. The goal is to reach the face value of 9 without going bust (over the 9 score by adding up the totals for cards 1+2 and potentially 3rd).

Why is Baccarat known as a game for the elite?

In some (offline) variants of the game, one player must compete against all players together and cover all bets. This ensures that this variant is often played for large amounts. In addition, these variants are played at very large tables in often chic casinos.

Nowadays, Punto Banco is the most popular form of Baccarat, and you don't compete against a specific player but against the casino. Also, there is no longer a gigantic table but a table as big as a blackjack table. Baccarat is therefore, no longer a high-society affair but popular with casino goers from all walks of life.

Author: Amelia Smith

Amelia Smith

Amelia Smith knows a lot about different areas of gambling. She's been our main writer for most things since 2019. She spoke at a big conference in London in 2022 and has been recognized at several industry events.

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Article published 22/01/2023

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