Best Baccarat Casinos for New Zealand

Baccarat is a popular table game among New Zealand’s legion of casino fans, but do you know how this multi-card deck betting game found its way to your favourite casino and how you can make play on Punto Banco and Chemin De Fer pay? We’ve got all the answers. We also know where you should be looking for exclusive bonuses and deals at online baccarat New Zealand casinos in 2022. Chosen by our expert team, these rewards should be right up your street!

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Chris Evans

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Table of Contents

Best Online Baccarat NZ Casinos 2022

New online casinos enter the fray in New Zealand all the time. Nearly all of these have a superb range of slots, roulette, blackjack, and baccarat. 

At we keep an eye firmly fixed on the New Zealand iGaming market so that you know where to look for the best baccarat games from top software providers that are accompanied by the most lucrative bonuses. 

Trust us to keep you updated!

How to find the Best Online Baccarat NZ Casinos

Baccarat is a great game for gamblers of all levels of knowledge and skill for many reasons. 

First, there are only three possible outcomes to any hand, making the card classic easy for novices to pick up. 

Second, the return to player (RTP) rate for most online variations approaches 99%. Such a payout rate means that you should only expect to lose 1% of your bankroll when playing Baccarat for extended spells. 

But when you are searching for a cracking casino to play this table game treat, what should you be looking for?

Several key ingredients go into turning a run-of-the-mill online casino into a scintillating one.

Licensing, game content, banking options, VIP rewards, and customer service all have an impact, but one factor holds more sway than others. 

Licensing might not sound sexy, but finding out where your online baccarat casino is licensed will help you to determine exactly what sort of establishment you’re frequenting. 

If you play at a casino that has gone to the trouble of obtaining a gambling license from legislators based in the UK (UKGC) or Malta (MGA), then you can have a high degree of confidence that you are playing table games at a location where your safety is assured. 

The UKGC asks that casino operators adopt some very customer-friendly practices. 

  • Ring Fenced Deposits
  • GamCare Registration
  • Player Limiting Tools
  • No Withdrawal Reversals

As a package, these are a powerful indication that you will be treated fairly. You may still end up losing, but the whole process around game rules will be transparent and features such as withdrawal terms will be reasonable. 

However, all casino licenses are not the same. 

Many online baccarat casinos in NZ look to pick up a gambling license from Curacao, Kahnawake, or Antigua and Barbuda.

Licenses from these idyllic locations are much easier to come by, with the suggestion being that casinos that operate under these flags of convenience are happy to cut a few corners. 

The main problem with lesser respected accreditation is that customers are less protected when disputes bubble up. For players in countries where gambling is largely unregulated (New Zealand & India), this is a problem. 

But as a gambler, you pay your money and you take your choice! However, you will only ever find the safest casinos recommended on this website. 

Playing Online Baccarat in New Zealand on a Budget

New Zealanders love to play Bond’s favourite game. However, they are also savvy customers. 

10 Dollar, NZ$5, and $1 NZD deposit casinos are all the rage in New Zealand as bargain-hunting Kiwis look to access the finest Baccarat tables at the lowest cost. 

The benefits of low-cost casinos are there for everyone to see. 

Being able to gamble at your favourite casino at little cost to yourself means that you can try out content by Evolution Gaming, Quickspin, Yggdrasil, and Rival and deposit by Paypal, Paysafecard, or POLi without being financially engaged. 

Casino operators that include Jackpot City, Ruby Fortune, Gaming Club, Spin Casino, and All Slots all offer welcome bonuses to new customers who deposit just NZ$1. Making play at low-cost casinos even more attractive. 

There is no wonder that many Kiwis are more likely than ever to seek out sites where they can begin playing online baccarat games in New Zealand on a budget. 

Online Baccarat NZ Dealer Rules

Baccarat comes in three main formats. However, by far the most common of these is Punto Banco

It is the Punto Banco version of the deluxe betting game that forms the rules of the game at most NZ online baccarat casinos.

Punto Banco means “Player Banker” in Italian. And the Player Banker moniker is entirely appropriate as this Baccarat variant pits the player’s and the banker’s hands against each other every time cards are drawn. 

Bettors can gamble on any one of three outcomes:

  • A player win
  • A banker win
  • A tie

The rules of baccarat mean that the result of every hand is delivered simply and quickly. 

The Table: Baccarat tables all come in a similar form. There are multiple available spaces with each one being assigned three bet options (player/banker/tie).

The Cards: In Baccarat the aim of the game is to compile a hand that is as near to nine as possible. Ten’s, Jack’s, Queen’s, and King’s count as zero, with all other cards counting as their value. If a player or the banker holds a score of ten or more the first digit is removed from the score (for example, two sixes = 12 becomes a score of 2). The player and the banker receive two cards, although where neither hand scores an eight or a nine, the player may receive a third card.

The Banker must always stand when they have a hand of seven, eight, or nine. 

The Bets: Returns from betting on the player’s hand to win are slightly more than those offered when betting on the banker’s cards. However, betting on ties might prove lucrative. The odds on a tie are significantly larger, but always remember that the tie is only seen in 14% of all Baccarat hands. 

Players who correctly select whether the banker’s or player’s hand will be confirmed as the winner and will receive a payout at evens. However, a 5% commission is often taken from this when betting on the banker. This means that the effective odds of a banker win at the Baccarat table is 19/20.

Correctly betting that a Baccarat hand will result in a tie provide players with an 8/1 return.

The History of Online Baccarat New Zealand

Although online casino fans might consider that history only began at the start of the 21st Century, the Punto Banco Baccarat story has been an evolving one for hundreds of years.

Historically an Italian game, that legend suggests was invented by Felix Falguiere. Myths regarding its development suggest that Baccarat was a nod to the ancient stories about Etruscan Priestesses, however, this is something that I am unable to definitively confirm. Baccarat means “Zero”, which alludes to the value that is attached to picture cards whenever you play the game.

Developed in the 15th Century, Baccarat has absorbed several different influences en route to becoming the star attraction of casino content everywhere. Charles VIII was said to be an early player and South America is also seen as a hotbed for the six decks of card gambling game.

The French always like to make their presence known though, so it is not a surprise that ‘Chemin de fer’, a Baccarat derivative, came into being in the 1800s, and that the glamour and glitz of 1950s Vegas did much to promote helped Baccarat to a much wider fan-base.

But what makes Baccarat in the digital age such a hit?

Well, aside from the romance that is attached to the game via its association with the legendary Ian Fleming character “James Bond – 007”, it is a great game for high-rollers to bet big on, with RTP rates on most versions approaching 99%.

Baccarat’s appeal to high-value individuals is best illustrated by the story of a lucky Vegas punter. 

You often have the feeling that it is going to be your day, and this was absolutely the case with this anonymous bettor. After asking for the Baccarat table betting limit to be increased to $250,000 per hand, this fortunate individual walked off with an $18 million payout!

However, always be wary of a good thing.

The same client tried his luck one week later and proceeded to give back everything that he had previously won. Therein lies a lesson for us all!

How to play Baccarat Online at NZ Casinos

In essence, online Baccarat is completely a game of chance, making RNG (random number generator) versions of the game particularly effective.

The only way in which a player can influence the outcome of any hand of Punto Banco is by directing whether it should be the player or the dealer who receives the first dealt card. 

In a similar ideal to games such as Blackjack, the idea of Baccarat is to score as close to a pre-defined score as possible. However, in Baccarat the target is not twenty-one, but nine.

The intricacies of the game unfold dependent on the first two cards that are received by the protagonists. 

Everything stays relatively simple if the Banker scores seven, eight, or nine with their first two cards. A score of this ilk means that the Banker must stand, meaning that the only variable is whether the player has qualified to receive a third dealt card. 

If neither the Banker nor the Player scores seven, eight, or nine with their first two cards, a third card is dealt to both parties with the scores tallied after this card has been counted. 

The waters are muddied a little more if you choose to play the Chemin de Fer variant of Baccarat. 

In Chemin de Fer, two cards are once again dealt to the Banker and the Player, but unlike in Punto Banco, if the situation arises where a third card could be dealt to the Player there is the opportunity to accept or decline. This means that Chemin de Fer can be considered to rely on an element of player skill, whereas Punto Banco is purely a game of chance. Because of this Punto Banco is accessible to even the most inexperienced novices. 

Odds for Online Baccarat NZ Games

As you would expect for a game of chance the odds available for each of the three potential results of each hand essentially reflects the probability of these outcomes being witnessed in the popular game. 

The chances of the Banker’s hand being called the winner in a game of Baccarat almost identically matches that of the Player’s. However, so that the house maintains its edge, a 5% commission is levied on all Banker payouts. Essentially, this reduces the payout on this result to 19/20.

This helps to explain why the payout on both outcomes is usually, Evens

The chances of a tie occurring in a hand of Baccarat are somewhat less likely, with statistics suggesting that “a tie” is called the winner in only 14% of all games played. Therefore, odds of 8/1 for this result seem entirely appropriate. 

Best Bonuses for Online Baccarat New Zealand

Online Baccarat Casinos in New Zealand appear to be a bunch of risk-averse entities. 

You will rarely find an online casino that serves Kiwis that offers a specific bonus deal to be used on the Baccarat tables. 

This is an understandable omission.

We are all too aware of the business model that all casinos adopt. You make a bet and the casino provides a range of odds on the outcome that is designed to pay out a little bit less than your stake. 

Because of this, the prime aim of a casino is to encourage you to bet as much as possible so that they can pick up these small amounts on every dollar that is gambled. 

But, Baccarat is a little bit different.

The return to player (RTP) rate on a number of Baccarat variants approaches 99%, amongst the lowest house edges. This means that for every NZ$1 staked, a casino expects a NZ$0.01 profit.

Adding any form of baccarat bonus would, therefore, mean that a casino would be almost certain to lose money, and casinos are not charities!

However, if you are savvy enough, you could look for the best slots bonuses in the NZ market at this time and use the proceeds from these to gamble on your favourite online Baccarat tables. 

Welcome Bonuses of all colours come with wagering requirements attached. 

Some have more favourable table-game terms than others. 

You might be able to find a deal where 8-10% of your stakes at the Baccarat table count towards your betting requirements, meaning that your table game play can go some way towards achieving a payout from a casino’s initial bonus offer. 

Live Dealer Online Baccarat

Live dealer online baccarat is becoming big business. The top online casinos compete to offer the best lobbies and the finest software providers vie for access to these rooms.

Evolution Live Gaming is a name that is renowned for pushing the envelope when it comes to designing the software for live dealer events. Its Live Baccarat product aims to “squeeze maximum thrills” from every hand, a promise that many card game fans cannot easily overlook. 

But, Evolution Gaming is not a one-trick pony, their range of Baccarat products is extensive and continues to grow. So, what can you expect if you are fortunate enough to find yourself at an Evolution Gaming Casino? In a nutshell, land-based casino content of six card decks baccarat, but in the form of other online casino games that can be accessed in the palm of your hand

Salon Prive VIP Baccarat

The Salon Prive VIP online lounge is unashamedly aimed at high rollers. This version of the classic card game incorporates both excitement and elegance. Top depositors will enjoy playing in this room. Additional features include the permanent presence of a room manager, ensuring that any game-related queries are quickly resolved, and the chance to manipulate the game speed and the choice of dealer. These extra services ensure that big bettors are extraordinarily well looked after. A factor that is likely to see them coming back to this room created by Evolution time after time.

Multi-Camera Baccarat

Multi-camera Baccarat allows players to experience the intricacies of a hand at close quarters like never before. Players can direct proceedings by enabling table shots from every angle. The immersive quality of this production draws players into the action, visiting this room the closest that online casinos can deliver to real casino thrills.

Live Baccarat Squeeze

Live Baccarat Squeeze and Live Baccarat Control Squeeze have been developed to increase suspense levels at the online tables. Although Live Baccarat Squeeze follows a more traditional format, camera angles have been designed in a way that accentuates the excitement that is related to the dealers’ squeeze.

Live Baccarat Control Squeeze

Anticipation levels are built further in the Live Baccarat Control Squeeze room. In this venue, players are in control of the reveal of the squeeze. Top table and camera technology is combined to allow cards to be viewed when dealt face-down. Players can then reveal these cards at their leisure. This invention brings real casino gameplay to a PC, tablet, or smartphone near you.

Speed Baccarat

Speed Baccarat keeps the pace of the game high. Hands are delivered in around 27 seconds, almost twice as quick as the standard version. This game provides players with a maximum number of betting opportunities in a minimum time, making this game ideal for players with busy lives who are only able to dip in and out of content.

Lightning Baccarat

Lightning Baccarat adds electrifying excitement for all those involved. Before hands are played a selection of bonuses are added to between one and five cards in the deck. If players win with these cards payouts can be multiplied up to 8x. Because of the generous nature of this variant of the game, a 20% surcharge is added to the stake of jackpot-seeking enthusiasts.

Dual Play Baccarat

Dual Play Baccarat is perhaps the most realistic table that Evolution has ever created. An in-house table is streamed to online players across the globe, allowing players to bet as if they were in the casino itself. If you are unable to make a trip to your nearest casino this is the next best thing.

Red Envelope Baccarat

If betting on the player pair, banker pair, or the tie is your thing then Red Envelope Baccarat is the game for you. One, two, or three red envelopes are generated on every hand during this game. These red envelopes advertise in-game bonuses. On occasions, winnings from pairs bets or the tie can be multiplied up to 88x.

Whichever room you prefer, Kiwis are well served when they find a platform that delivers Evolution Live Baccarat, this is a truly exceptional example of what software producers can create for millions of stay-at-home casino aficionados.

If you are happy with the software that your casino provides, and you have found a live catalogue produced by Evolution or Playtech or any of the other excellent developers, what other features of an online casino might be important to note.

The Best Software for Online Baccarat NZ

Dozens of software companies bring the very best graphics and sound technology to life in the form of RNG and live dealer online Baccarat gaming. 

Many of these do a great job of bringing real-life casino play to your PC, tablet, or mobile either online or through iOS and Android compatible apps. 

However, as is the case with many artistic pursuits, some companies bring more to the table than others. 

Of course, we have our own favourites, so here’s our look at six of the best! 


Playtech has been a stellar name in the iGaming industry for decades.  

The library of games that they have put their name to is truly staggering. Many of these titles appear in Baccarat lounges at dozens of NZ casinos

Among this stellar list are top games including VIP baccarat, where high-rollers are treated to a service that 007 himself would be impressed with! 

No Commission and Prestige baccarat are among other stand-outs from this continually evolving software goliath. Prestige baccarat is an advance in itself with multiple camera angles and HD-quality replays enhancing the action on every hand! 


Microgaming has its fingers in many pies. Not only does Microgaming technology power the platforms of dozens of casino sites, but it has also created a stunning range of pokies, RNG table games, and live dealer events. 

Casino games are central to this mix. Filled with innovative features and free-play functionality, Microgaming brings easy-to-play online Baccarat to the New Zealand market that is easily recognised by the stunning graphics and crystal-clear sound files that are embedded. 

Evolution Gaming

Evolution Gaming is the undisputed number one when it comes to delivering live dealer games that are accessible to all. 

Evolution Gaming has made its name by developing some of the very best roulette games including the visual delight of Immersive Roulette and the bonus bonanza that is Lightning Roulette, but this has not stopped the firm from employing its skills to develop a compelling mix of live dealer baccarat titles. 

Among the list of delights that Evolution attaches its name to are Speed, Control Squeeze, and Squeeze Baccarat. 

Bonuses are assured through the addition of extra-special side bets such as perfect pairs. 

Extreme Live Gaming

Extreme Live Gaming is less known in the iGaming world, but perhaps it’s a name that more of us should seek out. 

Developed with a nod to some of the top casinos in the Chinese enclave of Macau, the baccarat games that Extreme Live Gaming has developed are a treat for the senses. 

Authenticity is the watchword when it comes to live dealer content from this provider. 

Glorious sets are embellished with the chance to enhance payouts by betting on any of the range of side bets that Extreme Live Gaming includes. 


NetEnt is a top name in the casino world and for very good reason.

Whilst NetEnt is better known for its eclectic mix of slots and pokies, this does not mean that the Swedish-based firm cannot knock out an equally impressive live dealer game though. 

Croupiers and dealers employed by NetEnt are always top drawer operators adding value to the stunning backdrop with intelligent chat and professional appearance. Not only this, but NetEnt also deploys Chroma Key technology to improve gameplay at every turn. 

Play’n Go

Play’n Go is another name that enriches New Zealand’s range of online casinos with its diverse catalogue of slots and live dealer content.

Play’n Go baccarat games come fully optimised for mobile play, so are ideal for Kiwis who want the best casino experience while on the move. 

Six-deck-mini-baccarat is one of the top examples of a live online baccarat game from Play’n Go, however, dozens of variants from the software house are available at top NZ platforms on mobile and PC. 

Top New Online Baccarat NZ Casinos

2022 has been a great year for new online baccarat NZ casinos. 

Casino Masters, Casigo, and Captain Spins all realise the importance of this simple card game as part of their content mix. 

Play RNG and live dealer Punto Banco and Chemin de Fer from the likes of Evolution Gaming in the knowledge that you are playing on forward-thinking platforms that focus on customer service and ongoing bonus schemes.

Mobile Online Baccarat Casinos in New Zealand

In days gone by, your only chance of betting on a hand of online Baccarat would have required a spell of personal grooming and taking a trip down to a local casino. 

Of course, the birth of the internet ensured that if you were lucky enough to own a PC and modem, you might have been able to find a website that offered RNG baccarat content.

However, advancements in mobile technology and the increased prevalence of high-speed internet connectivity have been a game-changer. 

Live dealer baccarat can now be streamed nearly anywhere at any time on iOS and Android devices. 

Dozens of NZ casinos now use apps to deliver stunning visuals straight to your handset 

Some of the best mobile baccarat casinos include:

Banking Options at Online Baccarat NZ Casinos

You only bet at online NZ casinos because you are expecting a payout at some point, so considering which banking options are supported at your casino of choice is a valuable effort.

Most New Zealanders are concerned about two things: getting their hands on their winnings quickly and in big enough quantities to pay for a decent celebration. 

If you want to see your baccarat payout arrive in under 24 hours, banking via an e-wallet is the most obvious choice. 

  • Neteller
  • ecoPayz
  • PayPal
  • Skrill

These are all payment methods that are supported by many quality NZ casinos and are recommended for secure as well as speedy pay-outs. 

If you are a little more experimental, a crypto casino might be for you. This type of casino accepts currencies including: 

  • Bitcoin
  • Bitcoin Cash
  • Ethereum
  • Dogecoin
  • Ripple
  • Tether
  • Litecoin

Payouts from crypto casinos can complete within 15 minutes, but the security aspects of crypto transfers are difficult to determine. 

Best Betting Strategies for Online Baccarat NZ

Although Baccarat is essentially a simple game, there are still strategies that you can employ to make your betting bank go a little further. 

Betting on the Banker’s hand is usually seen as being the desired option. It is for this reason that a 5% commission is charged on all winning Banker bets in the Punto Banco version. 

Staying on this theme, it is unlikely that you will profit from betting on the tie. Studies suggest that backing this option regularly will be a drain on your bankroll, a situation that cannot be tolerated for long. 

But how else might you improve your chances of turning a profit at the Baccarat table? 

The 1-3-2-4 Strategy – is a way to protect your bankroll for long periods. Using this staking plan helps players to cover potential losses in the short term, negating the need for additional deposits.

The One-sided method – suggests that you should bet on the Banker to win until you pick a loser three times in a row. Once this situation arises you should only continue to bet once the Banker is declared the winner of a subsequent hand. 

The Paroli System – suggests that you should double your bet every time you win. Stakes of 1-2-4 should be placed until you get three winners in a row. At this point, you should reduce your stake back to 1.

Playing Online Baccarat NZ for Free

Playing online baccarat in New Zealand for free sounds like a dream situation. However, it is something that you can do for yourself while you learn the intricacies of the game at a number of NZ casinos

Sign up for an account at any one of the real money sites that are available to Kiwis and enjoy a gaming session in free play mode. 

Playing in this way gives New Zealand players the opportunity to develop strategies and understand how hands play out before risking their own money. 

Given that the house always holds a slight edge on all casino games it is only fair that players are up to speed before they take on the risk of playing a real money hand. 

The Best Online Baccarat NZ Offers

Who likes something for nothing? 

Baccarat bonuses are so popular because they deliver the very real prospect of generating a profit because of the kindness of your casino provider. 

Typical bonuses come in the form of free betting chips which give you the chance to bet on a baccarat hand or on other table games such as roulette or craps.

You can view these bonuses in two alternative ways. Either, they are a great way to boost your bankroll free of charge or they are a method to entice you to bet when you wouldn’t have otherwise. 

But beware that very few casino bonuses are directly aimed at baccarat punters. Given the meagre profits that casinos make from every hand, most operators avoid providing direct incentives to play the game, although baccarat bets often count towards the wagering requirements for new player welcome deals. 

The best way to check these deals out is via our reviews of NZ live casinos.

Baccarat Key Facts

Baccarat CasinosInfo
😍 Number of Online Baccarat Casinos100+
❤️ Top-Rated NZ Baccarat CasinoRoyal Vegas
👍 Minimum Deposit NZ$1
✨ Maximum Deposit NZ$5000
⚖️ Baccarat Casino LicensesUKGC/MGA
🔥Online Baccarat AlternativesBlackjack/Poker/Sic Bo/Dragon Tiger


Who invented the baccarat?

This casino classic was invented in the 15th century by Italian, Felix Falguiere.

How do you win at baccarat at a casino?

The best way to win at a live dealer and RNG variants is by using a staking plan. This means that previous losses can potentially be recouped. However, the casino always has an edge, so in the long run, all players are expected to lose.

How many decks are there in baccarat?

Most casinos use 8 decks of cards when playing standard online games.

Can you count cards in Baccarat?

It is suggested that card counting can help to shave off some of the house’s edge when playing the table game. The odds of a Banker win are increased when the deck contains more low cards. Conversely, the odds of a player win are increased when a deck contains more high cards. Keeping a note of which cards are drawn can help a player determine this.

How do you play speed baccarat?

Speed Baccarat plays at nearly twice the pace of regular games. Players need to make quick decisions about any bets that they wish to make.

How many betting positions are there on a baccarat table?

Regular online tables host 14 betting positions. Seven for bank bets and seven for player bets.

What are the odds of winning at baccarat?

A winning player bet returns evens. A winning bank bet returns evens (minus a 5% commission), 19/20. A winning bet on the tie pays 8/1. The house edge on player bets is 1.36% and 1.06% on bank bets. Tie bets provide the house with a 14.4% edge.