
Three Card Poker is a game of poker played with three cards and is also known as a variation of Stud Poker.
It is played with a deck of 52 cards, and versions of Three Card Poker can also be played in live formats. It is a game with a minimal twist, but otherwise, all the features of the game are standard.
This game can be played at both online casinos and land-based casinos in New Zealand. In this game, all players are dealt three cards, and then the gameplay begins.
If you want to learn more, continue reading this article.
Table of Contents
Gameplay
In the game of Three Card Poker, from a deck of 52 cards, 3 cards are dealt to all players and the dealer as well. It is a mixture of traditional poker and casino games.
The gameplay is very simple. Three cards are dealt to each player and the dealer, and the one with the higher cards wins.
There are different types of bets, and the “Ante Bet” is the compulsory one. The objective of the game is to make the best three-card hand possible without drawing any extra cards.
There are 7 hand rankings that determine which hand can lead to a win.
At the beginning of the game, all the cards are dealt face down, and the “Ante Bets” are already placed. After the cards are dealt, players can decide whether to play further or fold.
If a player decides to fold, the amount of the Ante Bet is awarded to the dealer, and the player loses.
Below is a step-by-step guide on how to play Three Card Poker:
- Ante Bets are placed.
- Three cards are dealt to all players, including the dealer, all face down.
- After looking at their cards, players can decide whether to continue or fold:
a) If they decide to continue, they must place additional bets equal to the Ante Bet.
b) If they decide to fold, the Ante Bet placed will be awarded to the dealer. - After a successful round, the game continues.
Three Card Poker Bets
This game involves different kinds of bets, and hence, to understand the gameplay, it is important to know all types of bets that are responsible for getting effective payouts. The types of bets include:
Ante Bet
Ante Bet is the mandatory initial bet required to participate in the game. Players place the Ante Bet before seeing their cards.
- If the dealer’s hand qualifies (Queen-high or better) and the player’s hand is stronger, the player wins.
- If the dealer does not qualify, the Ante Bet wins automatically, regardless of the player’s hand strength.
- A tie results in a push (no one wins or loses).
Play Bet
This is the bet placed if the player decides to continue after looking at their cards. If they think the cards are strong, they can decide to play further. The Play Bet must match the Ante Bet in amount.
Pair Plus Bet
Ante Bet and Play Bets are the mandatory and main bets. Pair Plus Bet is an optional side bet focusing only on the player’s hand.
Based on the strength of their hand, the player can decide if they want to place this side bet.
Winning hands for this bet include Pair or Better (e.g., Flush, Straight, Three-of-a-Kind).
Ante Bonus Bet
A bonus payout is awarded for specific strong hands without requiring an additional wager.
Winning Hands:
- Straight
- Three-of-a-Kind
- Straight Flush
Six-Card Bonus
An optional side bet where the player combines their three cards with the dealer’s three cards to form the best five-card poker hand.
- Objective: Players aim for high-ranking poker hands like:
- Royal Flush
- Straight Flush
- Four-of-a-Kind
Three Card Poker Hand Rankings

Hand Rankings are the things that result in winnings. The hand rankings in Three Card Poker are different from the traditional poker game, and the apparent reason for this is the reduced number of cards.
Here, every player is given only three cards. Hence, every winning hand can only be made with 3 cards, eliminating many hands.
With three cards, ranking hands like Full House, Four of a Kind, and Royal Flush are impossible here. We have mentioned all the possible winning hands of Three Card Poker below.
We have made the list of rankings from top to bottom.
- Straight Flush
- Three-of-a-Kind
- Straight
- Flush
- Pair
- High Card
Now let me explain all these hands to you.
1. Straight Flush
Straight Flush is the highest ranking of them all and the rarest one. The chances of a Straight Flush appearing are 1 in 460 hands.
- Cards: It gets hit when three consecutive cards of the same suit appear. For example, 5, 6, and 7 of Hearts.
2. Three of a Kind
Three of a Kind is simple, and the name clearly represents itself. It means three cards of the same rank but different suits. The chance of getting this result is slightly better than a Straight Flush, i.e., 1 in 425 hands.
- Example: All three cards are Queens of different suits.
3. Straight
Straight is the hand ranking that is slightly similar to the Straight Flush rank.
Similar to a Straight Flush, here also the winning hand appears when three consecutive cards are dealt, but the suit does not matter.
This hand ranking has lower odds, and the chances of getting this hand are good, i.e., 1 in 31 hands.
- Example: 4, 5, and 6 of different suits.
4. Flush
This hand ranking also has a high chance of appearing. In this hand ranking, three cards should appear, but they must be of the same suit, and the sequence does not matter here.
It is a more common hand than a Straight. The chances of getting this hand ranking are 1 in 20 hands.
- Example: 2, 4, and 7, but all of the same suit, such as 2, 4, and 7 of Hearts.
5. Pair
It is simple; the name itself depicts what it means. A pair of cards appear, irrespective of the suit.
The third card is unrelated and does not contribute to the winning. It is a standard hand with a chance of 1 in 6 hands.
- Example: 7♥, 7♦, K♣.
6. High Card
A hand with no matching cards, consecutive cards, or cards of the same suit. This is the most common hand and occurs when no other hand ranking is achieved.
- Example: A♠, 8♦, 5♥ (Ace is the highest-ranking card).
These are the hand rankings while playing Three Card Poker, online or offline at land-based casinos.
However, the chances of a High Card, Pair, and Flush appearing are very high.
You might be thinking, if two players get the same hand rankings, then who will be the winner? The highest card in the hand determines the absolute winner.
- Example: A Pair of Kings beats a Pair of Queens.
Dealer’s Qualification
In Three Card Poker, there’s a concept of dealer qualification, which means that the dealer must meet certain conditions to qualify to play against your cards.
The condition is that the dealer’s cards must be Queen or better, meaning the cards must be a Queen, King, or Ace.
If the dealer qualifies (i.e., if they have cards Queen or better), then the game will continue. However, if the dealer does not meet the criteria, the Ante Bet is paid evenly.
If you have placed the Play Bet, it is just a push, and if the dealer does not qualify, you’ll get that money back.
Ante Bet Bonus Concept
The Ante Bonus in Three Card Poker is a reward for having a strong hand, like a Straight or better. You get this bonus no matter if the dealer qualifies or not.
- Straight Flush gives the highest Ante Bonus.
- Three of a Kind gives the second highest.
- Straight gives the lowest.
This bonus depends on your hand, so you still get it even if the dealer doesn’t qualify or if your hand doesn’t beat the dealer’s.
It’s one of the things that makes Three Card Poker fun because you can win extra rewards without worrying about the dealer’s hand.
Plus, with Pair Plus payouts, you have more chances to win.
What to remember when playing 3 card poker game?
The game is very simple, with minimal rules that don’t take much time to get acquainted with.
You can learn some rules, and after just 3 or 4 rounds of play, you’ll get used to the rules and concepts of the game.
While playing the game, you should remember certain things, according to me:
- If you have good cards, place the Pair Plus bet, as it doesn’t depend on beating the dealer’s hand. However, skip it if you have a tight budget.
- The dealer needs at least a Queen-high hand to qualify. If they don’t, your Ante Bet wins, and the Play Bet is returned. Keep this in mind while deciding your bets.
- Side bets like Pair Plus or Six-Card Bonus can seem exciting but have higher house edges. Use them sparingly; don’t overuse them.
- Concentrate on Ante and Play Bets, especially if you’re new. These bets are straightforward and have better odds compared to side bets.
- Follow the rule of thumb: play only if you have at least a Queen, Six, Four, or higher. Fold weaker hands to minimize losses.
However, our team focuses on mindful gameplay, so just play the game for fun. Play until you have fun, and don’t stress your mind with strategies. Play to the fullest.
What do we think?
According to us, the gameplay and rules of the 3-Card Poker game are simple and slightly similar to the traditional 5-Card Poker game.
The only difference is the hand rankings, which are limited here due to the limited number of cards. In New Zealand, Three Card Poker can be played at Christchurch and SkyCity casinos.
These casinos also have online versions for online gameplay, but apart from these, you can play this game at Casumo Casino and Jackpot City Casino.
We suggest everyone play the game solely for fun and leave the stress of making strategies behind. Avoid placing bets on many side or optional bets if you are new to avoid unnecessary confusion.
Keep your eyes on the dealer’s cards to see if they qualify or not.
Even if the dealer does not qualify, you’ll still get your winnings rewarded if you have placed any bonus bet and get pairs or other hand rankings.
FAQs
Is placing Ante Bet compulsory?
Yes, the Ante bet is compulsory to start the game. It lets you compete against the dealer. You can choose to fold later if you don’t like your hand, but the Ante bet is required to play.
How to win the Pair Plus bet?
To win the Pair Plus bet, you just need a pair or better in your hand, like a pair, three-of-a-kind, straight, or flush. Even if the dealer doesn’t qualify (doesn’t have a Queen-high hand or better), you can still win the Pair Plus bet based on your hand.
How do I know if I should play or fold?
A good rule is to play hands with at least Queen-6-4 or better. If your cards are weaker, it’s better to fold because you’re less likely to win.
What if I get a strong hand, like a pair of Jacks, but the dealer wins?
If you get a strong hand like a Pair of Jacks but the dealer beats you, you still might win with the Pair Plus or Six-Card Bonus bet if your hand is good. But if the dealer’s hand doesn’t qualify (doesn’t have a Queen or better), your Ante bet wins, and the Play bet is refunded.
Can I win even if the dealer wins?
Yes! Even if the dealer wins your main bet, you can still win extra money with Pair Plus or Six-Card Bonus side bets. These bets depend on your cards, not the dealer’s.
How can I balance my bets for better chances?
Stick to Ante and Play bets: These have better odds and are safer, with a house edge of around 2%.
Use side bets carefully: Only place Pair Plus or Six-Card Bonus bets if you feel confident, as they are riskier.