Online Blackjack India
Online Blackjack Guide for Indian Players. The game of blackjack has always been a part of any casino, and with the surge of online casinos, online blackjack has become one of the pivotal card games that attracts and entertains. Best 42 Blackjack Online Casinos in India 2020. Melbet review Bonus Up to $ 1750 + 290 free spins.
Blackjack is a very popular game at casinos around the world, including India; and the transition to online blackjack in India has been excellent. Today it is possible to find multiple variants of blackjack, each with their own rules, odds and nuances.
All casino games are games of chance, meaning the outcome is mostly determined by how it is designed. In nearly all cases, the house holds an advantage. However, there are some casino games- such as blackjack – where skill can increase your chances of winning, or at the very least, decrease the house advantage to nearly zero.
Online Blackjack India – Betting Systems and Strategy Blackjack is one of those games at the casino where using skill and basic strategy could bring the house edge down to a very impressive 1%. But over and beyond learning the basic strategy to improve their odds, some players use blackjack betting systems that may or not work in their favor.
Blackjack is a card game that is played against the house, with the ultimate objective being to create a hand whose total sum adds up to 21, or nearest thereto, as well as to beat the dealer’s hand. If the total exceeds 21, the hand goes bust.
Blackjack can be played in a multi-hand format, as a Live Blackjack option and is also a popular tournament game.
Casino players take pride in their skill at blackjack, regularly practicing the game, for free or real money, to improve their odds by learning basic strategies and applying them to their gaming sessions.
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Multiple Indian-friendly online casinos roll out promotions and tournaments on a regular basis, which are aimed at blackjack players. This allows online blackjack fans to get more for their money and increase their chances of winning at this great casino game.
Online Blackjack India – Betting Systems and Strategy
Blackjack is one of those games at the casino where using skill and basic strategy could bring the house edge down to a very impressive 1%. But over and beyond learning the basic strategy to improve their odds, some players use blackjack betting systems that may or not work in their favor.
We take a look at some of the most popular roulette betting systems out there:
Martingale System
This 200-year-old betting system is popular across many casino games, especially roulette, but has been adapted by blackjack players for their own gaming methods as well.
The idea is to double your bet each time you lose, with the objective (or hope!) that you will eventually win and show a profit. Say you start off wagering Rs 50 – you will double your bet after each loss (by Rs 100, Rs 200, Rs 400, Rs 800 and so forth). After a win, you will drop your wager back to Rs 50.
The downside to using this system is twofold: Firstly, you are dependent on the fact that you will be on a winning streak, but as we have known in the world of online gambling, this is not always the case. In addition, blackjack tables have wagering limits, which will eventually limit your ability to double your wagers indefinitely.
Tutorial video on how to use the Martingale System on Black Jack
2 Level Progressive Betting System
The basic premise of this blackjack betting system is to pick your minimum and maximum bet and then wager the minimum amount after each loss and the maximum amount after each blackjack win.
If you set your minimum wager on Rs 50- for example – and make Rs 150 your maximum bet, you will begin your gaming session with a Rs 50 bet. If you happen to win that hand, your next bet will be Rs 150 and you will continue to wager Rs 150 until you lose again.
After any loss, you will drop back down to your minimum wager of Rs 50.
5 Level Progressive Betting System
This method, also used among blackjack players, is a 1, 2, 3, 5 and back to 5 progression system, where players increase their wagers to the next level when they win a hand, and drop back to the first level when they lose.
If we go back to our Rs 50 minimum bet example, your next levels would be Rs 100, Rs 150 and Rs 250. You begin with your Rs 50 wager and increase to Rs 100 (and so forth) if you win; however, if you lose a hand, you drop back to Rs 50.
Another important ‘trick’ to this system is that if you win four hands in succession, you drop back to the original wager.
Online Blackjack India Tips
The number of players from India who take up online blackjack each year continues to grow, and many first-timers regularly do a search for the best online blackjack tips around.
We’ve compiled some of the best advice available out there so that you can improve your blackjack skills and enjoy more rewarding gaming sessions overall.
Know When to Hit, Stand, Split and Double
By now, we’ve determined that you can improve your chances of being more profitable in blackjack gaming sessions by learning a basic strategy that involves knowing when to hit, stand, split and double.
Use these tips as a rule of thumb and watch your profits grow:
Hit when the dealer’s card is:
- 7, 8 , 9, 10 or Ace and your hand totals 8 – 12.
- an Ace and your hand totals 11.
- 10 and your hand totals 10.
- 7, 8 or 9 and your total totals 9.
Stand when:
- Your hand totals 17 or above.
- The dealer’s card is 6 or below and your hand totals 13 or above.
- Your cards are a splittable pair of 10s.
Double when your cards total:
- 10 (unless dealer has Ace or 10)
- 11 (unless dealer has an Ace)
- 9 AND when the dealer has 3, 4, 5, or 6 showing.
Split when:
- The dealer’s card is 4 through to 7 – you will split only 2’s and 3’s.
- If the dealer’s card is 6 or below – you will split 6’s and 7’s.
- You have 8’s
- You have Aces (if allowed).
Should You Hit On a Soft 17?
In blackjack strategy, there is a similar opinion that is followed all across the globe; never hit on 17. Players are told to always stand on a hand of 17 (and higher), as hands of this value are considered strong enough, while the chances of improving your total are slim, and busting is likely.
So you should never hit on a Soft 17.
What Is a Hole Card?
The concept of hole cards applies to any cards that players from the rest of the table must hold in secret. Hole cards are used in almost all poker types. The most popular example is in the Hold’em game.
Hole cards are private cards that the player can only display and use. These hole cards are usually used for building a 5-card hand in conjunction with group cards (cards available and accessible by all).
Down-cards (cards accessible only to the player) are sometimes referred to as hole cards in seven-card studs.
Know the Rules of Blackjack
As the popularity of blackjack grew, so did the number of variants of the games. Today, you will find a good range of blackjack games at top online casinos, and the selection keeps growing as software companies develop more choices for players. As such, don’t assume that the rules of all blackjack games are the same. The tips we offer may apply to most variants of blackjack, but not all of them. It is important that you learn the rules of all blackjack games you are considering, and familiarize yourself with their payout tables.
Refer to a Strategy Chart
Nobody expects you to learn the strategies and tips above without help, especially at first. Find a good blackjack strategy chart (online, as a mobile app or a hard copy) and refer to it when in doubt about what decision to make. This could seriously decrease the house edge and put some more blackjack bucks in your pocket.
Blackjack Hand Signals
Horribly utilized blackjack hand signals are a great way to lose large at the tables, so take good note of the various blackjack hand movements used in the game before you go to the casinos to avoid crashing into complications. If you’re still uncertain about it, look at what the opponents do before you attempt it yourself.
The correct hand signals concentrate on whether the game is being played ‘face up’ or ‘face down’.
Face Up
Hit – Point at your cards or tap the table.
Stand – Wave your hand from left to right over the cards without moving your arm.
Double Down or Split – Add a second bet in a separate pile next to your first wager. Do not touch the cards as touching the cards is only done on games played with the hands-down. Then hold up one finger to double and two to split.
Face Down
Hit – Scrape the table. This is a light gesture usually with the index finger.
Stand – Gently slide your cards under your chips. Try to do this without moving the chips.
Double Down or Split – Turn your cards over so that they are face up while adding a second bet to the first stack of chips. Hold up one finger to double and two to split.
Use Online Blackjack India Bonuses
One of the best ways to get the most out of your blackjack bankroll is to redeem the generous bonuses offered by online casinos on a regular basis.
Whether you are a new player or a returning player, you are sure to find promotion or bonus suited to your needs. Online blackjack bonuses have the added advantage of allowing you to play longer at the casino with free money, thus enabling you to continue practicing and honing your skills.
Play Online Blackjack for Free from India
For the same reason that you would use blackjack bonuses to increase your time at your gaming sessions, you would also choose to play blackjack for free.
This is not only allowed, but also encouraged at leading online casinos. You are simply credited with free blackjack money and you are then able to practice your strategies and apply all that theory to practical play. Many great blackjack players have worked their way up from beginners to seasoned pros by practicing with free online blackjack.
Online Blackjack India History
The invention of the game of blackjack wasn’t a single event in history, but rather a progression of inventions and gradual changes to rules and variants until it reached the game we are most familiar with today at live and online casinos.
What we know is that in the mid 1400’s Johann Guttenburg printed the first decks of standardized cards, and games such as ‘quinze’, One and Thirty, Vingt-Un and Seven and a Half evolved from this important historical event.
In the late 1500’s, Spaniards enjoyed a game called One and Thirty, similar in idea to blackjack, played with a dealer, community cards and the need to count totals to reach the ideal score of 31.
Over the centuries similar games emerged, although the game on which blackjack is based is undoubtedly the French Vingt-Un (meaning 21). Naturally, the rules were slightly different to contemporary blackjack, but we can definitely see strong similarities.
Like many casino games of today, the ‘modernization’ of blackjack took place when it reached American shores. For blackjack, it was in the late 1800s. A mention of the game – then still called Twenty One – was made in official records in 1875; it was a well-enjoyed pastime in gambling halls by the turn the century.
However, Twenty One had some serious competition to contend with, since games such as roulette and poker were also offered at these gambling halls. While roulette remains a game of chance, poker is a high favourite among players who prefer skill games.
Attracting players
In order to encourage players to try out Twenty One, owners offered attractive bonuses to players, such as a 10-1 payout if they landed a black Jack and an Ace of Spades. This bonus payout became known as a Blackjack and, before long, the name of the card game was changed forever.
From 1910, the US government started clamping down on gambling halls. Laws were introduced to ban blackjack and other casino activities. The Great Depression, however, made the government realize that the country’s coffers were in desperate need of dollars, and laws were changed again to allow gambling. Once more, blackjack became a popular pastime in the United States, especially in Las Vegas, Nevada.
Blackjack fans realized the big rewards there were to be gleaned by becoming skilled in the game, and a new element was added with the discovery of card counting by Dr. Edward Thorp. In his 1962 book, Beat the Dealer, Thorp outlined methods and techniques that would help players increase their winnings at land casinos, and the number of professional card counters grew to incredible proportions in the 50s and 60s. Casinos, realizing that they were losing vast amounts of profit through card counting, soon started fighting back and banning it on their casino floors. This became even easier with the introduction of video surveillance.
In the mid 1990’s, blackjack became available on the internet for the first time, and became accessible to millions of players around the world. Today, there are literally thousands of sites that offer blackjack in multiple formats, variants, betting limits and skill levels.
What are the Best Blackjack Online Casinos in India?
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What is Blackjack Online?
Spanish author Miguel de Cervantes first mentions this game in the 18th Century, where it was known as the game of ’21’. In France, a similar game was popular in the elegant saloons, until itwas eventually spread by French colonists throughout North America. In 1931, the Nevada casino came up with a special payout to attract more players to sit at the tables of the game of 21.Anyone, who achieved 21 through an Ace and a Blackjack received ten times their bets, thus giving it the name of Blackjack.
It has since achieved incredible popularity and there is no land-based casino who does not offer at least a handful of tables of Blackjack. With the rise of online casinos, Blackjack wasadapted for the virtual world with most casinos offering multiple online Blackjack games which vary from Virtual (RNG) Blackjack to Live Blackjack. The rules of the games are the same as arethe odds and the payouts, enabling Indian players to enjoy this much-loved games either from their desktop or smartphone.
Difference between Live Blackjack and RNG (Virtual) blackjack
Virtual Blackjack is a computerized version of the game. Designed similarly to other computer card games, the game is linked to a Random Number Generator (RNG) computer which has beenprogrammed with the rules and odds of Blackjack. Through animation, players can still see the cards being dealt but there is no croupier managing the table and each player sits at the game onhis own. Virtual Blackjack comes with two different modes: play for real money mode and play for fun. The latter is a demo version that allows players to play with fake money. The former is thereal deal and players must place real money bets to play.
Live Blackjack is the opposite of virtual Blackjack. Live Blackjack is the real deal but experienced online. Just like in a real brick and mortar casino there is a Blackjack table and a livedealer which deals the cards. The table is set in a specially designed studio that resembles an actual casino in everything. Cameras are set up in front of each table with the purpose of livestreaming everything to each player’s home in high definition. The rules of the game are the same unless a different variant is played. Live Blackjack tables come with different betting limitsoffering something to all kinds of players regardless of their budget.
Virtual Blackjack Online Games
Most online casinos offer numerous Blackjack games where the player plays against the computer. A number of varieties are usually also available like European Blackjack, ClassicBlackjack, and Atlantic City Blackjack.
Furthermore, as we have already mentioned, online casinos offer the possibility to play Blackjack online, free. This is an excellent way for players to get familiar with the rules and practicesome strategy techniques.
Studio Live (Dealer) Blackjack Games
This version of online Blackjack is perhaps the most innovative as it consists of live dealers in a real casino set up, streamed live in real-time. A player can place bets, choose which actionsto take, chat with the live dealer, all of it in real-time. This type of Live Blackjack delivers a more authentic experience to the comforts of your home. What’s more, you can find manyinteresting and innovative versions of Blackjack like:
- Vegas Strip Blackjack
- Bet Behind Blackjack
- Blackjack Switch
- Progressive Blackjack
- Common Draw Blackjack
- Free Bet Blackjack
How does Online Blackjack work?
The preferred choice of many players, online Blackjack offers a modicum of control over chance. The purpose of the game is to get as close as possible to 21, and it affords certain decisionsfrom the players that might change the outcome of the game.
Furthermore, it is very important for each player to keep in mind that playing Blackjack, means playing against the dealer. It doesn’t really matter if there are 6 players at the table,each one is playing solely against the dealer.
The game is carried out with a standard deck of 52 cards being dealt one by one from a shoe that is manned by the dealer. Depending on which variant of online Blackjack you are playing, therecould be up to 8 decks in use at once.
Basic Blackjack Rules
Just like any other card game, online Blackjack comes with its very own rules. In this case, the rules are based on moves that the player needs to undertake for the next part of the game afterthe sorting of the cards. The value of the cards will determine your next move in the game; thus, it is essential to know what they count for:
- Cards 2 to 10 has their face value
- Ace can either have the value of 1 or 11, depends on what benefits the player.
- King, Queen and Joker, hold the value of 10
Apart from the value of the cards, it is also important to learn some of the basic terminology associated with Blackjack and which often describe the kind of action you can take:
- Natural Blackjack - Getting a natural Blackjack means that you are the undisputed winner of the game. This can only happen if you get an Ace and any card with a value of 10.Any other combination of cards that adds up to 21, can only be the winner if no else has a natural Blackjack.
- Stand - The decision to stand should be based on what cards you have and what card the dealer has. If you think you might go over 21 then you stand. If you think you have avalue closer to 21 then the dealer, you stand. Remember though that the dealer has revealed only one card and the other is still face down.
- Hit - To hit is to ask for another card in the hope of getting closer to 21. When a player gets over 21 we say he went ‘bust’, because he loses the game and his bet.
- Double Down - When dealt a good hand, where the player is sure he can beat the dealer, he has the possibility to place another bet of the same amount as the originalbet. This can be quite profitable if his calculations are correct.
- Split - Splitting your cards up is ideal if you’ve been dealt two cards of the same value. This would require you to place an additional bet in order to receive two morecards. Each one of your first cards will be the first card of these two last additions and you’d be playing with two separate sets.
- Surrender - When you surrender, you forfeit the game. A good option if you believe you have the worst hand then the dealer or you have a total of 16 and the dealer’s card hasa value of 10 or is an Ace. When you surrender you don’t lose all of your bet, instead you get half of your wager back.
- Insurance - In online Blackjack, the insurance is an additional bet, placed independently from your first bet, on the belief that the dealer has a Blackjack. This kind of betis usually placed if the dealer’s showing card is an Ace.
- Winning and Losing - In Blackjack, you win if your combination is closer to 21 then the dealers’. You lose if your combination is less than the dealers’ or you go Bust bygetting a combination higher then 21.
- Push - Push is technically a tie between the dealer and the player because they have the same total.
H3: Rules for the Blackjack dealer
To play Blackjack online, it is best to understand the rules of the dealer. The house might have the advantage, however, all dealers have a set of rules that they must follow to the letter.
- If the total is 17 or more, the dealer stands
- If the total is 16 or less, the dealer must hit (take another card)
- If the dealer has an Ace and it would add up to 17, then he stands
Dealer rules are predictable; thus, a good strategist might want to take them into account when choosing his gameplay.
The number of Decks and the House Edge (advantage)
The variant of online Blackjack you choose to play will determine how many decks of cards are used in the game. Most online Blackjack games are played with 8 decks simultaneously, although youcan find variants that use fewer decks and even some which use a single deck.
The number of decks in use influences the house edge. A game with a single deck has a lower house edge than one with eight decks as we shall see down below.
Number of Decks | House Advantage |
Single Deck | 0.17% |
Double Deck | 0.46% |
Four Decks | 0.60% |
Six Decks | 0.64% |
Eight Decks | 0.66% |
Types of Bets and Odds
If you search online you will find many charts that delineate the kind of action to take appropriately. Thus below we have included our own chart which clearly shows what kind of action isrecommended depending on the cards you’ve been dealt. The below chart can be consulted when playing online Blackjack games that use up to 8 decks of cards and follow the normal Blackjack rules.
What is Blackjack Strategy?
When it comes to playing Blackjack online, it is important to have at least some basic strategy. If you search online, you will find hundreds of websites and strategy charts which you can printand take with you to the casino. These charts were based on computer simulations which explored millions of hand combinations. The results enabled players to make the right moves depending onthe hand they got, maintaining the favour on their side. There are of course other rules that determine Blackjack action, however, we shall leave those for our article about how to playBlackjack.
Blackjack Side Bets
Blackjack side bets are offered by various providers and they create additional excitement in the game. Side bets are separate wagers that have nothing to do with the main bets and take placeduring those few seconds before each round. There are various types of Blackjack side bets and each one is made for a particular reason. The Insurance is a type of side bet as we explainedfurther up in this guide and it is placed when it is believed that the dealer has a Blackjack
Another type of side bet is known as the 21+3. Adopted from Poker this side bet is a wager over a number of scenarios: Suited Trips (3 cards bearing an identical triplet), Straight Flush (cardsbearing the numeric sequence of the same suit), Three of a Kind (different suit, same value cards), Straight (numeric sequence but different suit), and Flush (cards are all from the samesuit).
Card Counting in Blackjack Online
Card counting is a technique applied by the most experienced of Blackjack players. This technique involves counting the cards that are being dealt both to the players and the dealer in anattempt to know when the advantage shifts in their favour. This technique gives them a positive advantage over the house because now they can increase their bet if it is in their favour, orelse make a smaller bet or no bet at all if they recognize that they are at a disadvantage.
Card counting is not a difficult technique to learn, however, it requires practice before it can be used effectively. Card counting starts with the mathematical proof that high-value cardsbenefit the player more than the dealer. We know that once the cards are shuffled there is an equal number of high and low cards. However, this will change the moment the cards are dealt. Thisis where card counting is applied. Let us make a few examples:
- Let us say that more low-value cards have been dealt at the beginning of the game. This means that the higher-value ones are still in the deck and the player has a higher probability ofgetting one of these next time. This also means that the player stands a better chance of getting a 21. With the probability in his favour, he would increase the next bet.
- If the scenario is different and more high-value cards have been dealt during the first round than the player is at a disadvantage and the dealer has all the advantage. It is worthremembering that the dealer is forced to stand at 17, and thus fishing out a low-value card next time, might mean he will come close to 21 sooner, decreasing the chance of busting.
At this point, we have to mention that casinos often forbid card counting at their premises and might even blacklist players who are caught in the act. Furthermore, it is very difficult to usecard counting when playing online especially when playing virtual Blackjack, which is totally based on a computer algorithm.
Why play Blackjack Online from India?
Playing online Blackjack as opposed to visiting a land-based casino, comes with many advantages. For one, playing online Blackjack means there are more Blackjack options to choose from than ata physical casino. You can play classic versions of the game or else go for a variant that incorporates an exciting twist in the gameplay.
Furthermore, providers, both for virtual Blackjack and Live Blackjack, offer multiple tables with different betting options. Players on a budget could sit at a table that offered an affordablebetting range, while high-rollers could join a VIP Blackjack table that accepts only large bets.
But these are only a few of the advantages that come with playing online Blackjack. Below we are going to go into further detail about some of the benefits that come with playing onlineBlackjack.
Play from your home
Playing online Blackjack is not only flexible but also convenient. Now there is no need to travel hundreds of miles for a few rounds of Blackjack, instead, you can settle comfortably anywhereyou might be, log into your account and start playing your favourite Blackjack game, regardless what time it is.
Play on multiple seats at the same time
This is certainly something that you do only when playing online! While playing at your favourite casinos you can join multiple Blackjack tables all at once. They don’t necessarily have to beof the same variant, but you can choose different Blackjack games depending what you feel like.
Receive Blackjack Online bonuses from India
Since Blackjack is such a popular game, online casinos often include it in their promotions. Thus, let’s take a look at what thebest casinos have to offer for online Blackjack players;
Royal Panda Lucky 21
Since Blackjack is known as the game of ‘21’, Royal Panda casino is holding a special promotion on the 21st of every month. Play Live Blackjack or Live Blackjack VIP, and if you get a Blackjackyou enter a random draw with the chance to win one of three prizes of £210 each in cash. So, what are you waiting for? Mark it on your calendar for the next 21st of the month.
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Access to live casino promotions
Live Casino games have become increasingly popular, especially amongst Indian players. That is why thesedays, online casinos India offer a Live Casino bonus, both as a welcome offer and as a regular promotion for Live Casino enthusiasts. These bonuses are a great way for Live Blackjack players toplay their favourite game for free while still having the opportunity to win real money.
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Variants of Online Blackjack
As we said at the beginning of this article Blackjack is a staple of casinos, thus it is one of the most in-demand games amongst the online casinos, who have made it their business to come upwith variety and options for their players. Below are some of the Blackjack variants you can enjoy while playing with an online casino
Classic Blackjack
Classic Blackjack is the original version fo the game and it is also known simply as Blackjack. There is no land-based or online casino that does not offer Classic Blackjack. The rules of thegame are fairly simple and as long as you have an idea of the basic rules, you can join and have fun.
Spanish 21
Spanish 21 or as it is also known Spanish Blackjack, saw its origins in the mid-1900s, although some argue that a similar version of this variant was played as far back as the 15th century. Thegame is played with standard decks of cards but with all 10 value cards removed. The concept of classic Blackjack applies and the cards still hold the same value. However, there are some minordifferences in the rules that might vary from casino to casino.
Blackjack Switch
As the name suggests this Blackjack variant allows to switch cards if you are dealt a weak hand. In Blackjack Switch, players are dealt two hands instead of one. After you’ve had time to reviewthe hands you have, you can swap the second card of each hand. To be able to do this you have to place two bets, one for each hand.
Infinite Blackjack
Infinite Blackjack is one of those Blackjack variants with a twist. One thing that sets it apart from other Blackjack variants, is the unlimited number of seats attached to this table.Moreover, each player receives the same exact cards and it is up to each and every individual player to react to their cards and make the next move.
Free Bet Blackjack
Free Bet Blackjack is perhaps one of the most recent versions of Blackjack. Invented by the same person who gave us Infinite Blackjack, Free Bet Blackjack requires players to only place theinitial bet. There is no need to place additional bets to split or double down, as these are actions that can be undertaken for free.
Is Online Blackjack legal in India?
The legality of gambling in India is a slightly complicated matter as most of the country deems this activity as illegal, with the exception of Goa and Sikkim. On the other hand, currentlegislation does not cater to online gambling at all, leaving players free to join an online casino operating offshore. Players are, thus, free to play online Blackjack and the manyvariants.
Are Blackjack Online games rigged?
Virtual Blackjack games are linked to an RNG computer which determines the result of the game without human interference. It is still important, however, to choose a casino with a license,which features games by well-known providers whose reputation have been built on the authenticity and fairness of their games. Furthermore, the best game providers would also have achieved alicense from a gambling jurisdiction, which would regulate them on a regular basis. The providers themselves ensure that their RNG computers are always functioning appropriately and might evenhire auditing companies for independent evaluation.
With regards to Live Blackjack, it is very difficult for the dealer to rig the game, especially since a number of cameras film every little movement with players watching attentively as thegame progresses. It is always advisable to play with operators who are not only licensed but have an excellent reputation in a number of markets.
Play free Blackjack Online from India!
Playing with an online casino also means that you can play free online Blackjack. Most virtual Blackjack games offer players the opportunity to play either for real money or for fun. The playfor fun mode is a demo that enables players to play with fake money. This is a great option for beginners who are still getting used to the game and are still testing their strategies.
Regretfully, the same thing cannot be done for Live Blackjack. Live dealer games require an actual person to man the table and given the limited resources, including a demo option is notpossible. However, players who prefer Live Blackjack can find tables that require only a very small bet to join making it possible to enjoy this popular game without breaking the bank.
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