Cow Cow Baccarat Malaysia – Niu Niu Rules & Strategy Guide

Cow Cow Baccarat, also known as Niu Niu or Bull Bull, is one of the most popular Chinese card games available at live casinos in Malaysia. Available at Maxim88 through several Asian providers, this game uses 5-card hands with a unique scoring system that rewards hands where the final two cards form a combination divisible by 10.

What is Cow Cow Baccarat (Niu Niu)?

Niu Niu means "cow cow" in Chinese and refers to the highest possible hand. Each player (and the banker) receives 5 cards. The goal is to find three cards that total a multiple of 10, then evaluate the remaining two cards (the "Niu") for their combined value. A Niu Niu hand has three cards summing to a multiple of 10 AND the remaining two also summing to a multiple of 10 — the strongest possible result.

How to Play Cow Cow Baccarat

1. Place your bet: Wager on one or more player positions against the banker.
2. Five cards dealt: All players and banker receive 5 cards face-down.
3. Find the Niu: Each player selects 3 cards that sum to a multiple of 10. The remaining 2 cards form the hand value.
4. Hand ranking: Niu Niu (both sets sum to 10) is highest, followed by Niu 9, Niu 8... down to No Niu (no valid 3-card sum found).
5. Payout: Higher-ranked hands win at multiplied payouts — Niu Niu typically pays 3:1 or more.

Strategy for Cow Cow Baccarat

Tip 1: Understand Hand Rankings

Niu Niu is the best hand, but No Niu (no valid triple sum) loses to any Niu hand. Study the hand ranking table before your first session — it differs significantly from Western poker or baccarat hand values.

Tip 2: Bet on Multiple Positions

In Niu Niu, players often bet against the banker on multiple positions simultaneously. Spreading bets across positions reduces variance but requires a larger session bankroll.

Best Providers at Maxim88

• Allbet — Hong Kong provider specialising in Asian card games including Niu Niu variants.
• SA Gaming — Offers multiple Asian specialty games including Bull Bull/Niu Niu at their tables.
• WM Casino — Premium provider with Niu Niu available in their Asian game collection.