The Ultimate Guide to Online BlackJack

Blackjack is one of the finest and oldest ways to gamble and it consists of beating the dealer. The famous table game has been portrayed in several blockbuster movies such as Rain Man with Dustin Hoffman and Tom Cruise, 21 with Kevin Spacey and The Hangover with Bradley Cooper.

It’s a classic card game that all casino’s put some extra focus on and we have yet to see a casino without a blackjack game. Blackjack is easy to understand but mastering it is another thing. That’s why we at has made The Ultimate Guide to Online Gambling available for you. Here we share our best tips, advices and strategies around the wonderful game of Online Blackjack.

One common misperception of Blackjack is that the object of the game is to get as close to 21 as possible, without going over. It’s easy to think, but the object is actually to beat the dealer. In order to beat the dealer you have to make sure that you firstly don’t bust (go over 21). Your second objective of the game is to outscore the dealer or make the Live Casino dealer go bust. We’ll explain how you go about to play blackjack like the pros, but first. Let’s go through the rules of Blackjack.

Here are the full rules of Online Blackjack:


  1. Blackjack can be played with one to eight decks of 52-card decks.
  2. Aces are counted as 1 or 11 points, 2 to 9 are face valued, tens and face cards counts as ten points. Example: a 9 and a queen equals 19.
  3. The value of a hand is the sum of the values of the individual cards as explained above. A Blackjack is the highest hand and consists of an ace and any 10 point card (from 10 to Kings), and it outranks all other 21 point hands.
  4. After you have placed your bet, the dealer will hand you two cards and two cards to himself. One of the dealer cards is dealt face up, and one is dealt facedown. The face down card is called “Hole Card”.
  5. After the players have bet, the dealer will give two cards to each player and two cards to himself. One of the dealer cards is dealt face up. The facedown card is called the “hole card.”
  6. In case the dealer has an ace showing, he will offer a side bet called Insurance. This side wager pays 2 to 1 if the dealer’s hole card is any 10-point card. Insurance wagers are of course optional and may not exceed half of the original bet.
  7. If the dealer has a ten or an ace showing (after offering insurance with an ace showing), then she will peek at her facedown card to see if she has a blackjack. If she does, she will turn it over immediately.
  8. Should the dealer have a blackjack, then all bets part form insurance will lose, unless the player also has a blackjack, which will result in a push. Push meaning that it is a draw and wagers are given back.
  9. Play begins with the player to the dealer’s left at all times, when you are dealt your cards, the following choices are available to you: Stand: You stand still with your cards. Hit: You Draw another card, and another if you wish. If your accumulated cards exceed the total points of 21, then you are bust and lose. Double: You double your bet and get one, and only one more card. Split: If you have a pair or any two 10-point cards, then you may separate the cards into two individual hands. And play them as their own. Should you split with two aces, you are only dealt one card each. Surrender: You forfeit half your bet, and discontinue the round. This is not a common casino rule and only applies to the first two cards dealt. This is very uncommon and may not be available at all at your casino of choice.
  10. After each player has had their turn, the dealer will turn over her hold card. If the dealer has 16 or less, she will draw another card. An uncommon situation is when the dealer has an ace and any number of cards totaling six points, also known as a soft 17. At some tables, the dealer will also hit a soft 17.
  11. If the dealer goes over 21 points and goes bust, any player who didn’t already bust will win.
  12. If the dealer does not bust, then the higher point total between you and the dealer will win.
  13. Winning wagers pay even money – except a blackjack that usually pays 3 to 2.



Did you know?


16 is the worst hand in blackjack, followed by 15 as the second worst hand.

The wonderful game of BlackJack



The rules can seem overwhelming but most of them just happens without any action necessary from your end. The objectives of Blackjack is to beat the dealer. How do you go about to do that?

How to beat the dealer:

  1. By drawing a hand value that is higher than the dealer’s hand
  2. By having the dealer go bust (exceeding 21).
  3. By drawing a blackjack on your first two cards, when the dealer does not.


How to lose to the dealer:

  1. By going bust (your cards exceeds 21).
  2. The dealers hand has a greater value than yours at the end of the round.


Making a living playing Blackjack



Blackjack is one of the very few Live Casino games where players can actually make a living playing.

The most well known advantage technique in blackjack is counting cards, as portrayed in the movies Rain man and 21. That is however not the only way to get an edge. And even if you’re not counting cards, you can play a close to break-even game if the house rules are generous. So how would you earn a living playing blackjack?

The first thing you need to consider is how much money you need to live. Let’s say that you want to earn an average salary in New Zealand which was $50,000 at 2018. That means that you need to win $4188 per month (on average) by playing Blackjack.

Let’s assume that you are a decent advantage player with a nice edge of 1% over the casino. That means that you would need to wager $418,000 each month in order to cover your living costs (1% x $418,800 = $4188).

If your average bet per hand is $100, you would need to play 4188 hands per month to earn your monthly living. That sounds like a lot, but when playing Blackjack Online, you can easily play 2 or more tables at the time. Let’s say that a single hand takes 2 minutes to play out, then you could play 30 hands per table you play. If you play 2 tables at the time, that would be 60 hands an hour. It would take you roughly 70 hours to play 4188 hands.

If you would wish to only play week days, and a month consists of 20 week days. You would need to spend roughly 3.5 hours a day playing blackjack, or 17.5 hours a week. That’s a pretty decent part time job.

In order to be self sufficient and have room if it dips, you would need a large enough backroll to withstand deviations, just because you have an edge of 1%, it doesn’t mean that every outcome is going to be in your favour. You therefore need a bankroll that in order to handle those swings.

Fun Facts about BlackJack



  1. There is a Blackjack Hall of Fame. It honors authors, blackjack experts and professional blackjack players who have made significant contributions to the game of Blackjack. The Hall of Fame is located at the Barona Casino in San Diego, California.
  2. Some casinos allow the dealer to hit a soft 17. You want the dealer to stay on ANY 17s.
  3. According to statistics, betting on insurance is usually a bad move. You will lose more often than you win.
  4. Australian Billionaire and Media Mogul Kerry Packer won between $24 million and $33 million USD playing blackjack at the MGM Grand Casino in Las Vegas. Rumour says that he even tipped a door man a cool $1 million USD.
  5. After Texas Hold’em exploded in early 2000’s. A televised show called World Series of Blackjack was aired where the winner would win $100,000 USD.


Can you count cards while playing Online Blackjack?


Card counting is impossible when playing Blackjack Online. Should you opt to play a table game style blackjack table, then a Random Number Generator will come up with the result. This program duplicates the odds of a 52-card deck, but every hand is freshly shuffled.

When playing Live Casino Blackjack, the studios use the automatic shuffling machine used by Atlantic City Casinos, which makes it near impossible to count.

Top 5 banking options for New Zealand Online Gambling

Choosing how you fund your online casino account is almost as important as choosing a casino itself. Different casinos will offer different methods of depositing and withdrawing funds, and it is best that players find an online casino that gives them what they require, be it secure transfers, swift service, ease of use, or all of these. Check out the various payment methods available to Kiwis for online gambling to see which one suits your setup:

5. Neteller
Neteller and Skrill are so called e-wallets, which you fund using your debit card or via bank wire. The good thing with Neteller is that you have control of how much you put on your e-wallet and therefore it’s easier to make a budget and make sure you don’t spend more on online casinos. Neteller also accepts Bitcoins so that you technically can deposit using Bitcoins to an NZ Online Casino. The con’s with E-wallets is that many casinos doesn’t accept the method of depositing when claiming a bonus. Many bonuses are excluded from Neteller and Skrill deposits at NZ Online

4. Entropay
Entropay has made a name as one of Europes biggest prepaid card providers, but their recent reach has grown even bigger and is a popular method of payment in both Canada, Australia and New Zealand. There is a lot of benefits from using the Entropay payment system, as you can get one with a poor credit or even if you are ineligible to receive a debit or a credit card. Their innovative system is based on virtual cards, operating through the VISA payment system. This means that no bank or card details are actually sent with the funds, only those of the prepaid card. This adds an extra layer of security, and has been popular with online pokie players during recent years. You don’t have to pay anything to sign-up for an entropay account, you simply sign up through their registration form and you get access to their starter level of service. Should you want to reap the full benefits of having a standard account, then you will need to verify your email address and add your postal address to your account. In order to fully verify your account, you will need to submit two forms of identification, aswell as a proof of address, i.e a utility bill. Once they have been approved you will be a fullworthy member of Entropay.

It is free to sign up with Entropay and you do not have to go through the hassle of a credit check. However, there are some additional charges for making transfer to and from your virtual card. There is a fee of 4.95% when transferring funds from your bank account to your EntroPay card. Whilst receiving funds from others such as an Online Casino sets you back 1.95%.


POLiPOLi is a popular payment system that is part of the Australia Post. It’s used by customers of many Australian and New Zealand Banks who accept this payment method. Right now, 6 New Zealand banks supports POLiPOLi payments:

  • ANZ
  • ASB
  • Bank of New Zealand
  • Kiwibank
  • TSB Bank
  • Westpac

It is a flawless system to use to make instant bank transfers to an online casino, however – it cannot be used to make withdrawals. Which means that you would need to withdraw using a bank transfer which usually takes between 2 – 5 business days. The service is completely free of charge and is accepted by a range of New Zealand Online Casinos. It even works on mobile.



2. MasterCard
With MasterCard, you can make a payment to an online casino using both your credit card, but also your debit card. It is a popular method used by many players around the world to fund their online casino accounts. MasterCard is widely known in New Zealand as a Credit Card company, however – you can also get a debit card and use it to deposit to an NZ casino online. Several of New Zealand’s biggest banks, such as BNZ, ANZ and ASB offer MasterCard credit card with very low rates of interest, and almost every online casino accept it as a method of payment. It is a wise choice of banking option if you prefer using a physical card. In order to obtain a MasterCard Credit Card, you will need to go through a credit check, and your line of credit will be based entirely on how your credit background looks like. The limits set on your account are subject to changes though as banks might ask if you wish to increase it if you are handling it responsibly.



VISA is by far the most popular banking option to use when paying for things online, regardless if it is buying new clothes, sunglasses or playing casinos online. It is well known as a banking option with secure and quick transactions. Many Kiwis will have an Electronic Funds Transfer at Point of Sale card, which works fine in ATMS and Stores in New Zealand and Australia, but to make an online transaction, a fully functional debit card is needed. If you do no already have one, you can apply for one at following banks:

  • ANZ
  • BNZ
  • ASB
  • Kiwi Bank
  • Taranaki Savings Banks
  • The Co-operative Bank NZ



Some banks may charge an additional fee for upgrading your card, usually in form of a yearly fee, but it gives you unlimited access to shopping online and playing on online casinos which accepts players from New Zealand. Virtually no bonuses are excluded from depositing through VISA or MasterCards.

Top 5 NZ Online Casino Gambling Tips

So, you’ve found your way to the sanctuary of and you are ready to get the most out of your gambling. We’ve put together a list of five things that can help your game improve and give you a fairer chance against the Casinos. Here’s our 5 top tips when you play at an Online Casino from New Zealand.




The slots in an Online Casino for New Zealanders are known as game of chance games, this means that you cannot predict the outcome of a playing sessions, sometimes you win, sometimes you lose. All casinos we list are licensed by the MGA, which means that there are strict rules to follow, including Player Safety. This means that when you sign up an account with one of our listed casinos, you can set different limits based on you. You can set a deposit limit after claiming the bonus to ensure that you have the control as there is nothing worse than chasing your losses.
You can also set session limits and daily, weekly and monthly time-outs from an NZ Casino Online to take a break. The golden rule is, never play for more than you can afford and set your limits accordingly as an extra measure of protection.




At, we list bonuses from top recommended casinos, head over to our New Zealand Casinos list to see for yourself. These bonuses wary from Casinos to Casinos, some offers Non-Deposit Spins so that you can test out the NZ Online Casino before committing, others offer deposit bonuses in the Casino, very often a 100% match bonus on your first deposit. Consider what type of player you are. Also make sure you check the wagering requirements for the bonus in question. Some have higher wagering requirements, others have lower. Some wagering requirements are purely on the bonus money, others can have a deposit + bonus requirement. We list bonuses that fits everyone, from the high rollers that are looking for the big casino bonuses to leisure players that are testing out bonuses for perhaps the first time.




Bonuses comes with Terms and Conditions, it’s the way it is and it’s how the Online Casino NZ gets the leverage sometimes. Make sure you read up on the Terms and Conditions on the site when you claim a bonus. Make sure you note down what the maximum stake is. Most Casinos set a fixed sum of $5 as a max bet, meaning you shouldn’t bet over $5 in any given game round. If you do, you are automatically breaching the terms and can have your bonus confiscated. So, keep the betting within the lines of the terms. Some Casino’s also limit which deposit methods you can use to claim your bonus. Make sure you check this before creating your account.



Casino Bonuses for New Zealand can usually be wagered in both slot machines and Live Casino tables but there are exceptions. Also note that since Live Casino games such as Roulette, Blackjack and Baccarat has more strategies than the classic video slot and therefore the wagering requirement applies game weightings. There are also several different slot game types, some with a higher variance and volatility whilst others offer winnings more often, but the winnings are usually very small. Our advise is when you test out a new slot game that you haven’t played yet, make sure you read the info about the game to fully understand how it works, if the game has any Free Spins features and bonus game. The big wins are usually coming from a lucky spin that triggers the Free Spin Feature.




We cannot stress how important this rule is. Make sure you’re honest. Always use your own methods of payments, always fill in your correct personal details and date of birth. If you have a big win that you want to withdraw, the Casinos are by law requested to ask you for documents such as copy of ID, proof of address and bank statement or partly visible card details. This is industry standard so don’t be alarmed when your casino asks for this. Just make sure your details are filled in correctly and you shouldn’t have to worry about it.

Return to Player (RTP) explained

Return to Player or RTP is the term used by casinos to describe the percentage of all the wagered bets a pokie machine will pay back to players over time. For example, if you make a hundred $1 bets on Gonzo’s Quest on which the RTP is 96%, you might except to get back about $96 in wins.

That is not how RTP is calculated as it is based on long term playing and many hundreds of thousands of spins. This means that almost anything can happen in the short term, and you can in fact have two big wins on your first 100 spins, this is known as beating the RTP. For example, if you have a return of 120% on a slot of 96%, that don’t mean much as the RTP is based on circa a million pokie spins. However, it is a fact that the house will have the advantage and you over time will be around 96% on a given pokie machine, so you should only ever bet with money that you are prepared to lose.


Hit frequency is a term casinos and slot suppliers use to describe how often a machine will stop on a winning combination. For example, if a pokie has a hit frequency of 12%, that means that the pokie will stop on a winning combination about 8% of the time. This is general on brick-and-mortar pokies, online pokies usually have a higher hit frequency and RTP. It’s more usual to play with more than one line on online pokies on each spin, The result is that, ona single spin, a player could get more than one winning combination at the same time. The feeling is that you rack up wins, but over time, the losing combinations will outnumber the winnings ones.

Volatility and Variance

Among the endless selection of pokies, you can find a great variation in hit frequency. Most casinos call low hit frequency games as high volatility. Meaning that you don’t hit winning combinations often, but when you do, it usually pays a bigger win. The opposite is the high hit frequency pokies known as low volatility. These games has a low variance and a higher hit frequency. Promising more wins, but usually on the smaller kind.

Jackpot pokies usually have a very high volatility and low hit frequency, because the chances of hitting the jackpot is there.

Pokies with a high volatility are often perceived by players as “tight” because the wins can be so far apart, while games with a low variance are sometimes perceived as being “loose” because there are so many small wins.