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Caribbean Stud Poker Hands & Payouts

Last updated: 21.11.2025
Emily Thompson
Published by:Emily Thompson
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Caribbean Stud Poker has gained heaps of fans over the last few years. It's a bit like the traditional five-card stud poker, but here, you're playing against the house, not against other blokes and blokettes.

Basically, you lose if your hand is weaker than the dealer's. The good news is, anyone can get the hang of the basics and start playing in next to no time. Before you dive in, we thought we'd break down the Caribbean Stud Poker hands so you know all the ins and outs.

Understanding Caribbean Stud Poker Hands for Kiwi Players

In a game of Caribbean Stud Poker, the dealer gets four cards face down and one card face up. You, the player, get five cards dealt face down. Based on your hand and the dealer's up card, you need to decide whether to surrender or challenge. If you quit, your initial bet is gone. If you decide to raise, you'll need to place a bet twice the size of your original stake.

Here's the rundown on the Caribbean Stud Poker hand rankings, from the best to not-so-best:

  1. Royal Flush: 10, Jack, Queen, King, and Ace, all of the same suit. The ultimate hand, mate!
  2. Straight Flush: Any five cards of the same suit in sequential order. Think running cards of the same colour.
  3. Four of a Kind: Any four cards all having the same rank. Four Aces? Sweet as!
  4. Full House: Three cards of one rank and two cards of another rank. A solid hand.
  5. Flush: Any five cards of the same suit, but they aren't in sequence. Just five of the same suit works here.
  6. Straight: Any five cards in sequential order, but of different suits. Rainbows are good too!
  7. Three of a Kind: Any three cards that share the same rank. Three Kings is a decent hand.
  8. Two Pair: Two cards of one rank, and two cards of another rank. You've got a couple of pairs rocking.
  9. Pair: Any two cards of the same rank. Even a pair of Jacks can get you in the game in New Zealand.
  10. High Card: The highest card in the hand when no other hand is made.

Payouts for Caribbean Stud Poker Hands

Caribbean Stud Poker payouts are somewhat variable and can change in different online casinos. Still, here are the standard payouts for poker hands:

  • Royal Flush: 100:1
  • Straight Flush: 50:1
  • Four of a Kind: 20:1
  • Full House: 7:1
  • Flush: 5:1
  • Straight: 4:1
  • Three of a Kind: 3:1
  • Two Pair: 2:1
  • Pair: 1:1

It's worth noting that a progressive jackpot side wager may be available at some online casinos. Royal Flush wins a player the progressive payout in addition to the standard one for a Royal Flush in Caribbean Stud Poker.

The Royal Flush in Caribbean Stud Poker

In Caribbean Stud Poker, a Royal Flush is the best possible hand. This hand contains the 10, Jack, Queen, King, and Ace of the same card. Players, who are exceptionally lucky, may receive the maximum payout the game offers by achieving a Royal Flush.

Most casinos offer a payment of 100:1 for a Royal Flush, translating to a $1,000 payout for a Royal Flush on a $10 wager.

The Straight Flush in Caribbean Stud Poker

In Caribbean Stud Poker, the Straight Flush is the best possible hand — five cards in sequence, all in the same deck. The Straight Flush is achieved by holding the 3, 4, 5, 6, and 7 of spades.

Typically, the payoff for a Straight Flush is 50 to 1. Therefore, a player who wagers $10 and receives a Straight Flush will collect $500.

The Royal Flush in Caribbean Stud Poker

In Caribbean Stud Poker, the reward for a Royal Flush is typically 100:1. Achieving this is the game's ultimate payout and why everyone is trying so hard to win. However, the reward for a Royal Flush varies between the gambling sites.

Before a player starts playing, he or she should always look at the reward chart to see how much can be won with different combinations of cards.

Winning with a Low-Ranking Hand in Caribbean Stud Poker

In Caribbean Stud Poker, players do have a chance to win with a weak hand. A low-ranking hand will typically receive a smaller payment than a high-ranking hand. A set of tens is the lowest-ranking winning hand. A player wins the hand if they have nine or higher.

When dealt a set of tens, the reward is typically 1 to 1. Put another way, if a player wagers $10 and draws a set of tens, he or she will collect a return of $10.

Conclusion

Caribbean Stud Poker is a thrilling and widely played gambling game with high stakes for the winners. The biggest payout in the casino game is given for a Royal Flush, the best possible hand, while the lowest is just a pair of tens.

Checking the payoff chart for Caribbean Stud Poker cards is a good idea before you play because it can differ from casino to casino. Caribbean Stud Poker can be fun if you know how to play and have a little chance.

FAQ

How important are low-ranking hands in Caribbean Stud Poker for Kiwi players?

In Caribbean Stud Poker, even players in New Zealand can win with a less-than-stellar hand. The game continues only if the player holds at least an Ace and a King. If the dealer doesn't qualify (i.e., doesn't have at least an Ace and a King), players receive even money on their ante bet, and their raise is returned. However, if the dealer qualifies and beats the player's hand, the player forfeits both the ante and the raise. Remember to gamble responsibly.

Do all online casinos in New Zealand offer the same payouts for Caribbean Stud Poker hands?

Payout structures for Caribbean Stud Poker can vary significantly between online casinos available to New Zealand players. While the standard hand rankings remain consistent, some casinos might offer slightly different payouts for specific hands. Additionally, many online casinos feature a progressive jackpot, the value of which depends on the provider and how recently it was won. Always check the specific casino's payout table before playing.

What's the best strategy for playing Caribbean Stud Poker in New Zealand?

In Caribbean Stud Poker, knowing when to raise and when to fold is key for Kiwi players. A good rule of thumb is to raise with a pair or better and fold anything weaker than Ace-King. If you have Ace-King, raise if the dealer's up card is lower than your King or Ace, or if it matches one of your other cards. However, fold if the dealer shows an Ace or King and you don't have either. Sticking to this basic strategy can improve your chances of winning. Remember to set a budget and play responsibly.

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