Baccarat Online

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Baccarat, popular in New Zealand, offers strategic and exciting gameplay online. Master its rules, employ effective strategies, and choose between free or real-money games to enhance your winning chances.

- Relatively simple rules
- Practice strategies and bets in the demo version
- Offer bonuses and other promotions
- Suitable for players of all levels

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What Is an Online Baccarat?

Baccarat is perhaps one of the most prestigious gambling games offered by casinos. It’s quite popular among high rollers due to the high stakes in some variations.

Baccarat is very simple. The player bets on one of two hands — the Banker or the Player. The game starts with the Banker dealing two cards for themselves and the player. The one whose hand is closer to 9 points wins.

Top Baccarat for Real Money Casinos

You can play online Baccarat for real money at every other casino available in NZ. However, not all platforms are the same. We’ve provided the list of the top websites to help you identify the best online casinos to enjoy Baccarat.


100% up to $1,000

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Night Rush

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bet O bet

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Galactic Wins

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chance in the Spinch Wheel

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How We Rate Casinos with Baccarat?

We want to make sure that playing online Baccarat is a real pleasure. That’s why we carefully select every casino, taking into account several aspects.

Security and Safety
Security and Safety

Safety always comes first for both players and casinos because their rating depends on it. We check if the site offers SSL or TLS data encryption protocols that keep your information safe from third parties when you share it with the casino. Apart from that, we ensure that the site uses a powerful Firewall for its servers.

Licenses and Compliance
Licenses and Compliance

Every online casino must have a gambling license. This attracts many players who are confident in their safety and the honesty of each game or slot. Any reputable online casino will display this information on their home page. We prefer casinos licensed by the Malta Gaming Authority, Curacao Gaming Control Board, or UK Gambling Commission.

Customer Care
Customer Care

Every online casino should have customer support options. We select the best websites that offer multiple ways to get in touch via live chat, phone, and email, provide immediate responses (within 5 minutes), and quickly help users with difficulties or errors.

Best Bonus Offers
Best Bonus Offers

The amount and wagering requirements play a significant role in evaluating bonuses. Casinos we provide offer at least a 100% welcome bonus of NZ$50. We also check if the wager for bonuses is adequate, weeding out websites that require betting 60, 70, or more times the bonus amount to withdraw it.

Selection of Baccarat Games
Selection of Baccarat Games

The best are those casinos that provide customers with the top choice of licensed entertainment from the best developers from dozens of countries around the world. The availability of exclusively licensed software is an important part of Baccarat's safe and secure game. On the sites we select, you’ll find not only Bunto Banco or Chemin de Fer but also Lightning Baccarat, European Baccarat, and other variations.

Deposits and Withdrawals
Deposits and Withdrawals

The correct and honest behavior of the casino with money is also an important selection criterion for the rating. Our team checks how many deposit options the casino has (at least 10), whether e-wallets and crypto are available, and how fast withdrawals are (up to 48 hours). Also, our team makes sure all banking options accept gambling-related operations.

Online Baccarat Variations

Baccarat has been around for a very long time. This led to the emergence of different game variations and the popularity of online casinos. Today you can find many other options in search of a more suitable game of Baccarat.

Punto Banco

This is the main version of the game. Spanish title that originated in Cuba, where the game initially became very popular. If you see the name American Baccarat, it probably follows the same rules as Punto Banco. The croupier deals two cards for themselves and you. The goal is to bet on the winner, the one who collects a hand closer to 9 points. cards from 2 to 9 have face value, ace is worth 1 point, and all other cards bring 0 poins.

Chemin de Fer

Another popular version of Baccarat that you will often find in casinos all over Europe. The terms are more related to the original Baccarat played by the French nobles. When the banker loses a turn, the role of the banker is transferred to a new player. If the player's value is 5, they may draw another card or stop. In this game mode, cards are dealt face down.

Baccarat en Banque

The Baccarat Banque game is very similar to the Chemin de Fer version. The main difference is that instead of creating a new banker when the current banker loses, the banker makes the highest bet at the table. The player will remain a banker until they run out of money or all the dice and cards are used.

Super pan 9

In this variant, the numbers 7 to 10 are removed, the players are dealt a total of three cards, and they can even get a fourth card, all face down. Including the banker, who will also be one of the players. After the banker decides whether to draw or stand, the cards are compared and counted as in the standard version of Baccarat.

No Commission Baccarat (Super 6)

Certain options exclude the 5% commission when placing a bet on the banker's hand. The most common trade-off in this situation is eliminating a specific banker's hand. For example, 6 points can only pay 50% of the regular win.

Three Card Baccarat

Instead of being a possibility in certain situations, three cards are played as a standard draw in a variation of three-card Baccarat. It is played with a single deck of 52 cards and usually has side bets. The main bet is won by counting the hand with more face cards. In the event of a tie, points are counted, and a regular win is declared.

European Baccarat

European Baccarat is the main type of Baccarat you will usually find playing at online casinos in the UK and the rest of Europe. Unlike the American version, if the player has a combination of 5 in his hand, he can stop or request an additional card. The dealer also has the option to draw a third card from the deck if he wishes. However, the rest of the game resembles the American version.

Baccarat Bonuses for Kiwi Players

The abundance of bonus offers in Baccarat casino online is constantly updated due to the regular appearance of new popular casinos and constant competition in the market. Moreover, small gifts to players allow playgrounds to bribe the user, creating pleasant conditions for him, under which even a loss can bring some bonus.

No Deposit Bonus
No Deposit Bonus

This is the most favorite type of promotion among gamblers, especially beginners. The player does not need to replenish the balance and risk their money. No deposit bonuses come with higher wagering requirements compared to other promos.

Free Spins Bonus
Free Spins Bonus

Free spins are basically free rounds that you can play in pokies. Usually, you get them together with the welcome bonus. Free spins give you a chance to play without spending your bankroll but with the possibility to win real money.

Welcome Baccarat Bonus
Welcome Baccarat Bonus

This is typically a package of free spins plus some extra money that you get when registering and making the first deposit on the casino site. The welcome package looks like this — a 100% or 200% match bonus of up to NZ$100 or more + 20-25 free spins.

Crypto Bonus
Crypto Bonus

Many online casinos offer bonuses tied to a particular banking option. In this case, the bonus is earned for using crypto as a deposit. This is the same 100% – 200% match bonus but in BTC, LTC, ETH, or any other crypto instead of fiat money.

Cashback Bonus
Cashback Bonus

This bonus returns a small percentage of the money lost over a certain period. It is available to those players who won less than they lost. Usually, it’s around 5% – 10% of the amount you lose in a week or month.

No Wagering Bonus
No Wagering Bonus

This is a bonus that doesn’t have wagering requirements. You can withdraw the winnings obtained with it right away. Aside from that, it’s a standard promo that you can get for registering or making a deposit. No-wager promos are the rarest, hence, the most valuable.

How to Play Online Baccarat in NZ

Baccarat is the game with long history. Some argue that it appeared in Italy, and the name comes from the word that means “zero.” Baccarat is interesting and full of tension and intrigue, but most importantly, it’s easy to master.

Baccarat Rules

In the beginning, bets are placed on whose hand will win (the Banker or the Player) or on a draw. Then, the croupier deals two cards face down for themselves and does the same for the Player. Each hand contains at least two cards but can never have more than 3. If the hand totals 8 or 9 points, it is considered natural, and the player does not draw any more cards. If the hand totals less than 5, then the player may draw another card or stop, which dictates the subsequent action of the banker. The one whose hand is closer to 9 wins.

Cards from 2 to 9 bring a respective number of points, while 1o and higher are worth 0. The player also can’t go over 9 points. For instance, if they have a hand with a pair of nines (18 points in total), 10 points are deducted from the score.

Practice for Free

The rules can be confusing and quite complicated, but for practice, there is always a free demo version with identical features and rules as the original.

Betting Baccarat Tips

The first rule of winning is that you should avoid betting on a draw. Next, don't forget to think about randomness when betting. There are several types of bets in online Baccarat.

Banker bet
Banker bet

Due to the high probability of falling out, betting on the Banker can become one of the most justified decisions for a player when choosing a game strategy in Baccarat.

Player Bet
Player Bet

Similar game outcome in placing a bet on the Player would give a profit of 1 unit. That is why betting on the Player becomes the best option for playing with a well-defined strategy, even with a lower probability of winning.

Pair Bet
Pair Bet

Baccarat is known to be the game with the lowest house edge, but not in the case of the Tie bet. The bet on the Banker is profitable since its share of the casino's winnings is 1.06%.

Big Bet
Big Bet

The larger the bet, the greater the win, but the risks also increase significantly. Recommended for experienced players.

Small Bet
Small Bet

Ideal solution for getting to know the game and practicing strategies before big stakes. Suitable for new players.

Baccarat Odds and House Edge

In the game, the odds change depending on how many decks are dealt. The chances are as follows:

In an 8-deck shoe:

  • Player house edge — 1.06%
  • Banker house edge — 1.24%
  • Tie house edge — 14.36%

Single deck:

  • Banker house edge — 1.29%
  • Player house edge — 1.01%
  • Tie house edge — 15.57%

A shoe with six tiers:

  • House edge on Player — 1.06%
  • House edge on Banker — 1.24%
  • House edge on Tie — 14.44%

The Best Online Baccarat Strategies

Enjoying and, at the same time, controlling the situation is the best strategy. But there is one strategy for real Baccarat online. Baccarat players are allowed to use a card counting strategy, which is one reason the game leaves blackjack behind. Apart from that, Baccarat features 1:1 bets, so you can apply several betting systems:


This one implies doubling the bet every time you lose, but once you win, you go back to the original bet.


According to this system, you first need to set a betting unit, which is a certain bet amount (let’s say NZ$1). Every time you lose, you increase your bet per unit, and you decrease it per 1 unit when you win.

Live Baccarat Online Casino NZ

Despite the online aspect of the game, the vast majority of players consider the dealer's presence important. Indeed, this guarantees authenticity, interactivity, and especially reliability. Moreover, thanks to the high-speed Internet, players can follow the game directly, communicate with the dealer or other players, and watch hand draws.


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Baccarat Payment Methods

As is customary, the casinos from our rating use the most popular payment methods, such as:


Paysafecard is prepaid online payment method based on vouchers with a 16-digit PIN.


Neosurf vouchers help you shop online safely and anonymously.

Prezzy Card

A Visa-powered gift card suitable for casino deposits.


An electronic payment system that allows you to send and receive money using just an email address.


An electronic wallet from the Paysafe Group company: easy and affordable to use.


The British payment system ecoPayz allows individuals and businesses to send and receive money in 30 currencies worldwide.


An e-wallet app that will enable you to store and send money quickly with low fees.


Modern trendy payment method using cryptocurrency in the casino.

Pay by Phone

This method allows you to top up your player account via a phone bill.

Apple Pay

This is online payment system that lets you attach your bank card for making quick payments.

Google Pay

Similar to Apple Pay casino, this system allows for quick online transactions via an attached bank card.

Baccarat Software Providers

In addition to winnings at Baccarat online, players enjoy high-quality and varied gameplay, for which we can thank the best providers, such as:


The provider applies modern, technological solutions to each device, which favorably distinguishes them from other providers.

Pragmatic Play
Pragmatic Play

Cutting-edge games and a solid software platform make Pragmatic Play the top choice among online casino operators worldwide.


With its top software for both desktops and mobile apps, RTG enables online casinos to offer players the entertainment and thrill they crave.


With the latest technology and wide range of games, they offer online casino players a unique and exciting experience. Microgaming games are known for their high-quality graphics, addictive gameplay, and breathtaking sound effects.


Since 2013, this company has been releasing top-notch table games and pokies with fun bonus features.


My findings show that the relatively simple rules of baccarat make it suitable for players of all levels, beginners and experienced. Its demo version is an ideal platform for practicing strategies and understanding the betting system, which is essential for increasing the chances of winning. Online baccarat often comes with interesting bonuses and promotions, making the game more attractive. Regardless of whether you prefer free online games for practice or real money versions for the thrill, baccarat remains a game of strategy and chance, with its easy to learn rules and plenty of strategies that can make a big difference to the outcome.


The main goal is to select a strategy and follow it. Also, make sure to read the rules to understand what you’re betting on.
Almost any gambling requires skill. Baccarat, first of all, requires knowledge of the rules of the game and strategies.
Yes, a completely free and functional demo version is available for all players.