Niu Niu rules and house edge
Niu Niu carries a 2.5% house edge as of 2026-08-25. 3 venues are listed here with table counts and minimums. Payouts and glossary below come from public sources; venue-specific rule variants are noted on each venue page.
Player and dealer each receive five cards, split into a three-card group and a two-card group. Card values follow baccarat — ace 1, 2–10 pip value, face cards zero. If the three cards total a multiple of ten a "niu" is formed and the remaining two cards decide the rank; when both groups reach zero the hand is Niu Niu, the highest.
Source: wizardofodds.com · Measured 2026-08-25
House edge
2.5%
이퀄 베팅 기준 1덱 2.50% · 6덱 2.48% (승리 시 5% 커미션). 배당이 손 세기에 따라 달라지는 더블 베팅은 4.02%로 더 불리하다. 커미션이 없는 이퀄 베팅이라면 이론상 엣지가 0이 되지만 실제로는 보기 어렵다.
Pace · 시간당 약 60핸드
Payouts
| 이퀄 / Equal | 1:1 (커미션 5%) |
|---|---|
| 더블 — 7~9점 / Double, 7–9 points | 1.9:1 |
| 더블 — 니우 니우 / Double, Niu Niu | 2.85:1 |
| 더블 — 1~6점·하이카드 / Double, 1–6 or high card | 0.95:1 |
House edge by bet type
Sorted by lowest edge. Within one table, what you bet on changes the expected loss several times over.
| Bet | Payout | House edge |
|---|---|---|
| Equal, 6 decks, 5% commission | 1:1 | 2.48% |
| Equal, 1 deck, 5% commission | 1:1 | 2.5% |
| Double, 6 decks | 손 세기별 차등 | 3.99% |
| Double, 1 deck | 손 세기별 차등 | 4.02% |
→ Scroll the table sideways for the rest
Basic strategy
- · The Equal bet beats the Double bet — 2.50% against 4.02%.
- · There is one best way to split the five cards, so no decision the player makes lowers the edge.
- · Check the commission rate first; in this game the commission is essentially the whole edge.
Glossary
- 뉴 · Niu
- A three-card group totalling a multiple of ten.
- 니우 니우 · Niu Niu
- Both groups scoring zero — the top hand.
- 이퀄 · Equal
- The flat 1:1 bet, regardless of hand strength.
What to say at the table
| Meaning | Say this | When |
|---|---|---|
| 칩으로 바꿔 주세요 | Change, please. | 현금을 테이블에 놓으며. 돈은 딜러 손에 직접 건네지 않습니다 |
| 최소 얼마입니까? | What is the minimum? | 앉기 전에 테이블 리밋을 확인할 때 |
| 규칙을 한 번 보여 주세요 | Could you walk me through one round? | 앉기 전 — 한 판을 보고 앉는 편이 안전합니다 |
| 이 손은 몇 점입니까? | What does this hand count? | 카드 다섯 장의 조합을 확인할 때 |
| 베팅 마감입니다 | No more bets. | 딜러가 하는 말 — 이 뒤로는 칩을 올리지 못합니다 |
Etiquette
Five cards are grouped into multiples of ten and the remainder decides the hand. Payout multipliers differ between venues, so read the paytable before sitting. Keep your cards to yourself, and start at the minimum until the counting feels automatic. Place cash and chips on the felt, not into the dealer's hand. Finish betting before the dealer calls no more bets. Photography is restricted on most gaming floors — ask before taking out a phone. Tipping the dealer is customary but never required.
Where to play
Min bet Not verified · Tables Not verified
Source: sec.solaireresort.com · Measured 2026-08-25
Min bet Not verified · Tables Not verified
Source: hoiana.com · Measured 2026-08-25
FAQ
- What is the house edge in Niu Niu?
- Niu Niu runs at 2.5% under standard rules. The edge alone is misleading: what you actually lose is edge x stake x hands per hour, and Niu Niu runs 시간당 약 60핸드. A lower edge at a faster pace can cost more per hour. This figure assumes standard rules. A venue that changes the payout or the rules changes the real number.
- Which bet is worst at a Niu Niu table?
- In this table Double, 1 deck is worst at 4.02% and Equal, 6 decks, 5% commission is lowest at 2.48%. At the same table, where you place the bet changes the expected loss several times over — the spots with the biggest payouts are usually the ones with the biggest edge.
- Can a first-timer sit at Niu Niu?
- Moderate. The rules are less of an obstacle than the running order and the vocabulary. Read the glossary and table phrases above first.
- What are the payouts in Niu Niu?
- Standard payouts are 이퀄 / Equal 1:1 (커미션 5%) · 더블 — 7~9점 / Double, 7–9 points 1.9:1 · 더블 — 니우 니우 / Double, Niu Niu 2.85:1 · 더블 — 1~6점·하이카드 / Double, 1–6 or high card 0.95:1. Payouts are something a venue can change, and changing them changes the house edge — if the sign differs from the standard, the edge above does not apply at that table.
- Where can I play Niu Niu in the Philippines?
- The section below lists the 3 venues we have confirmed. Each entry is transcribed from the venue's own page and carries the date we checked it. Figures the venue does not publish — table count, minimum — are left blank rather than estimated.
- What is the table minimum for Niu Niu?
- Not stated by an official source. We do not fill this in with an estimate. Minimums vary by day, hour and floor within the same venue — the sign at the table is the only accurate figure.Not verified
- Is there anything I should not do at a Niu Niu table?
- Five cards are grouped into multiples of ten and the remainder decides the hand. Payout multipliers differ between venues, so read the paytable before sitting. Keep your cards to yourself, and start at the minimum until the counting feels automatic. Place cash and chips on the felt, not into the dealer's hand. Finish betting before the dealer calls no more bets. Photography is restricted on most gaming floors — ask before taking out a phone. Tipping the dealer is customary but never required.