HiLo Game for Real Money in Indian Online Casinos

HiLo Game for Real Money in Indian Online Casinos

Instant win games are conquering the Indian gambling market thanks to their extremely straightforward rules and new mechanics which make this software very different from traditional slots and table games. That’s why HiLo in Indian online casinos is also so popular. In a nutshell, to win, you need to guess whether the next card is high or low. For example, when the initial card is 5, and the next card is 10, those who bet on a high win. As simple as that. However, some providers add engaging extras to provide additional betting options or make the gameplay more immersive, thanks to the presence of live dealers. In this review, we’ll tell more about the HiLo game, explaining its rules and additional betting options. You’ll also find examples of the top Hi-Lo games and find out the best HiLo online casinos in India with fair conditions.

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Lisa C. Written & published: 17.05.2023 By author Lisa C.
Brad I. Reviewed & updated: 11.06.2024 By gambling expert Brad I.

HiLo game facts

✅ Game Type: Table Game
⭐ Provider: Spribe,TaDa Gaming, BGaming
📱 Devices: Desktop, Tablet, Mobile
❤️️ Return to Player: 96% – 98%
💵 Min./Max. Bet: $0.1 – $300

HiLo game interface

  • HiLo game interface
  • HiLo game interface
  • HiLo game interface

HiLo casino game: concept & rules

Basically, the Hi Lo game has extremely simple rules since your goal is just to guess whether the next card will be higher or lower than the face-up presented on the screen. When the prediction is right, you win according to the multiplier attached to each betting option (it changes according to the potential probability), and when it’s wrong, you lose the bet. 

You may know such mechanics as one of the variations of the Gamble round of online slots. Since such mechanics may be too simple for some players, online casino providers can add extra features. For example, Cards Hi Lo by PG Soft has the option to predict the next card suit (exact suit or just its colour), and Playtech offers the Hi-Lo Live version with a real dealer and extra betting options for A and K + A cards.

In some cases, you can meet games where the ‘Same’ betting option (eg. the up-card is 10, and the next card is also 10) has a separate multiplier, but in most cases, games like Hi-Lo (Turbo Games) have ‘Lower or Same’ and ‘Higher or Same’ betting options, so in case of the same card, you win in both cases. However, when the up-card is the lowest or the highest, the second betting option will be ‘Same’.

Odds & payouts

A HiLo casino game won’t feature a paytable, unlike standard online slots. The payouts you get during the game are based on the multipliers you see when placing bets. These multipliers vary depending on your up-card and the potential probability. For example, when your up-card is a three, the chances to get a higher card are much higher than to get a 2, so the Low betting position will have a higher multiplier, but the risks are just as high. In most games, including Hi Lo Switch by BGaming, you can keep on playing continuously, and the longer you play, the higher the offered multipliers. However, if your prediction is wrong, the entire winning will expire, so you can opt for the ‘Cash out’ option before the entire win is lost. 

How to play HiLo casino game

The Hi Lo game doesn’t require particular skills or experience since it’s totally based on the matter of chance, though players are involved in the gameplay when making a decision and can, actually, stick to low-risk or high-risk strategies by choosing cards with lower or higher multipliers. Once you’ve signed up to the best Indian HiLi online casino and deposited real money (unless it’s a free demo version), the gameplay process looks like this:

  • Modify the betting amount by pushing ‘+’ and ‘-’
  • Then, place a bet to start a new round
  • You’ll see an up-card and two (or more) betting options
  • Push the betting option which you consider winning
  • If the prediction is right, you get paid and can continue or cash out
  • Please note that when you continue playing this round and make the wrong prediction, all the wins from this round will be lost
  • In most cases, you have an option to change the up-card (eg. three times in Hi Lo Switch by BGaming or indefinitely on Hi-Lo by Turbo Games)

Spribe HiLo

spribeYou may know Spribe for a range of crash games like Aviator and other instant win software. Its HiLo game was launched in 2021. In this game, Aces are high cards. You’ll like its vibrant design with bright colours and simple yet rewarding mechanics. In the upper left corner, you can switch between other games from Spribe, including Plinko and Mines. The next widget with a question mark displayed the basic rules, which are extremely simple. Your balance and the menu widget are in the right corner. Via the menu section, you can modify sound effects, track the bet history, watch the game limits (both betting and winning limits), and check Provably Fair details.

The up-card is located in the middle. Below, you’ll see the betting section with ‘+’ and ‘-’ icons. Once you’ve picked the bet you like ($0.10 to $100 betting range, or the equivalent in rupees), the betting options will appear under the up-card. You can choose from ‘Low or same’ and ‘High or same’ options. Multipliers under each of these options display how much you can win when the prediction is right. When you win, the card is displayed in the line above, and the total multiplier is specified on the right. When you continue playing, more cards are added to the line, and the multiplier grows. When you want to grab your winning from the current round, push the red ‘Cash Out’ button on the right.

HiLo by TaDa Gaming

tadaKnown not only for slots but also for instant win games like Go Rush and Mines, TaDa Gaming is also known for the new Hi Lo game launched in 2023. The game is mobile-focused due to its vertical layout. Though the basic HiLi rules are standard, the unique feature making this variation stand out is the presence of the progressive jackpot pool. Prizes from this pool can be reached when you get the golden card and proceed with the bonus. Aces here are the weakest (the lowest). To start playing, you choose the bet of $0.1 to $100 (or the equivalent in other currencies, including INR and Bitcoin) via the ‘+’ and ‘-’ buttons on the widget below your balance. Then, you push the green ‘Start’ button to enter a new round.

The upcard is displayed in the middle, and the betting options on the right include High and Low (plus, there is a Same betting option when the upcard is K or A) with corresponding multipliers for each current case. If you continue playing, these multipliers will be larger, and to cash out, you press a corresponding red button below. The ‘Skip’ widget above allows players to change the upcard up to 20 times per round. If you see a Golden Card and guess whether it’s stronger or weaker, you get one of the bonuses: 3x Mini Jackpot, 5% of the prize pool Minor Jackpot, 20% Major Jackpot, and 50% Grand Jackpot. In your gaming history, you can verify the server seed to make sure that all your rounds are fair.

HiLo by Turbo Games

turbo gamesTurbo Games is a relatively young gambling provider pleasing Indian players with instant games like Dice Twice, Mines, and Crash X. Its HiLo bet game was launched in 2023, and players enjoy it for simple rules and an opportunity to continuously change the upcard for free before the round begins. When you know how to play a HiLo online casino game, you effortlessly place bets here since the game is straightforward. You set the bet limit of $0.1 to $100 via ‘+’ and ‘-’. When you set the max bet, the game notifies you that the max profit per round is $10,000 (or the equivalent of IN rupees). 

When you push the yellow ‘Place Bet’ button, the round begins at the selected stake. Green ‘Lower or same’ and purple ‘Higher or same’ buttons with multipliers above are used for navigation in the game. In HiLo by Turbo Games, Aces are high. When the next displayed card is the same as your upcard, you get paid in both cases (both High and Low stakes). Your balance and widgets for menu settings are displayed above on the right. This game doesn’t have extra bonuses, so the gameplay is quite primitive yet straightforward.

HiLo Switch by BGaming

bgamingThe BGaming provider launched this Hi Lo game in 2018, but it’s still very popular among the fans of instants. The game is optimised for iOS and Android. Here, you get three cards at once and use the navigation tools on the table then. Aces are counted as low cards. Each card has arrows above (for the High Card betting option) and below (for the Low Card betting option) and corresponding multipliers next to each. First, you choose the desired chip value and put it on the table. 

When you push a corresponding betting button, the card goes up, and the next card is dealt instead. If the result is winning, you can push the ‘Collect’ button on the right or continue playing. On the left, you’ll see the ‘Switch x3’ widget which allows players to switch the provided upcards up to 3 times during the round. A single-round win is limited by the max table bet multiplied by 500x. The balance and your total bet are displayed below. Above on the right, you’ll find menu settings.

Cards HiLo by PG Soft

pg softPG Soft also has an online casino HiLo game in its collection. This game was released in 2020, and it offers Indians some more betting options in addition to the standard High/Low concept. The game’s RTP of 98% is considered very high. To join the game, you choose your bet in the section below the screen and click on the yellow ‘Bet’ button to start the round. In the middle, you see the upcard and the two main betting options above (High) and below (Low). 

On the right, casino players in India can see extra betting options which make this game so popular. These are betting on suits (spade, heart, club, diamond) and colours (black, red). Cards HiLo by PG Soft is played with a regular 52-card deck where Aces are the highest, and the deck is reshuffled at the start of every game. The game’s rules specify $300,000 (or the INR equivalent) as the maximum winning potential per round. Plus, there is a limit to a maximum of 50 rounds within a single game.

HiLo Live by Playtech

playtechUnlike the previous variations, this is a HiLi live dealer casino game. Playtech launched HiLo Live in 2015, and it’s still extremely popular. You can play the game after a real money deposit. The chips below the screen should be placed in a betting position (or several ones) before the round begins. These are Higher, Snap, and Lower. Besides, Playtech added several side bets: Ace of any suit (11.56x), King or Ace of any suit (5.78x), a certain range (2 to 5, 6 to 9, or J to A, 2.89x), and Red or Black (1.92x).

Interestingly, this game is played without tens, and A is the highest card. The upcard is displayed in the special line for cards, and then the dealer puts another card into that line. Depending on whether it’s higher or lower than the previous one, you lose or win. The maximum payout per round is set at $1,500 (or the equivalent in Indian rupees). The game is quite fast-paced since you have only 5 seconds for placing bets before a new round begins.

HiLo tips and tricks

To play HiLo for real money, it’s enough to open the game at the Indian online casino you like and place a bet. However, when you know the game better, the gameplay is safer and more understandable, so you can use the tips below to simplify things and be prepared for any outcome:

  • When you have the option to change the up-card (like in Hi-Lo by Turbo Games), do it when you aren’t sure about the card you see on the screen
  • To learn more about the gameplay, try out the HiLo game free demo mode, which will let you examine all the features and rules 
  • Don’t forget to cash out from time to time since it’s very disappointing to lose the entire winning after a long successful round
  • Always check whether Aces are high or low (eg. Aces are high in HiLo by Spribe, and they are the lowest cards in Hi Lo Switch by BGaming)
  • Keep in mind that when you see multipliers above average (eg. 44x compared to 3x), the chances of winning the high multiplier, in this case, are extremely low

As for the basic tips to keep your Hi Lo game safe, they are picking a fair online casino in India, making payments via local payment options or cryptocurrency (eg. Bitcoin) with minimised fees, and being careful with the bonus program since HiLo is, in most cases, excluded from casino promotions, while other bonuses may have a high wager.

Casino Hi Lo Game Strategy

Even the simple HiLo game can be played with certain strategies. Mainly, these are the strategies based on the risk level you find the most suitable for your bankroll. They don’t guarantee 100% winnings, and you should always consider the house edge advantage in the long run. But when you want to systematise your gameplay, there are several online casino HiLo strategies to try out.

  • Low-risk HiLo strategy

    Newbies or players with a small bankroll will enjoy this approach. Try to avoid high multipliers and bet on something more achievable. For example, when the upcard is a three, in most cases, the next card is higher (though it can still be a two). Don’t build long chains of winning hands and try to cash out after two to three right predictions per round.

  • Medium-risk HiLo strategy

    Here, you’ll experience moderate risks. Basically, you stick to the low-risk approach, but you can place every third bet on a higher multiplier. This tip is suitable for separate bets, but try to avoid this within a single round after getting a low-risk strategy winning since the chances of losing everything will be higher.

  • High-risk HiLo strategy

    This option will suit high rollers, especially among crypto fans who enjoy the Bitcoin HiLo game and higher-than-average stakes. Your goal is to avoid low multipliers and take risks by betting on less probable yet more profitable outcomes (eg. Low when you have a four). However, you can add small multipliers to minimise risks when trying to guess several cards in a row within a single round.

HiLo game play for free


Even newbies will find a HiLo game simple since its rules don’t require Indian players to delve into details. Just guess whether the next card is stronger (higher) or weaker (lower) and get a corresponding reward. Yet, even experienced online casino Indian players will find Hi-Lo attractive since there can be different multipliers to suit the needs of both careful players and those who appreciate high risks in gambling. Besides, some of these games have extra features, such as a progressive jackpot in HiLo by TaDa Gaming. If you don’t know where to play HiLo for real money, read the reviews of the popular games above and play HiLo in Indian online casinos with the best reputation.

HiLo game FAQ

How much can I win in HiLo?

Depending on the game’s rules and your luck, this amount can be very different. HiLo by TaDa Gaming offers four jackpot levels, while HiLo by Turbo Games has a $10,000 max win.

Where can I play HiLo?

On this page, you can see the best Indian-focused online casinos that have HiLo and offer players good conditions to gamble for real money and withdraw funds.

How to play HiLo?

You need to select a bet and enter a new round. Then, guess whether the next card is higher or lower than the upcard. You can guess several times or cash out and start a new round.

Can I play HiLo with Bitcoin?

Yes, HiLo and other instant win games are crypto-friendly and especially popular at cryptocurrency casinos, so you can play for BTC and other currencies your casino accepts.

Are there any helpful tips in HiLo?

Yes, you can use several tips. Always check whether Aces are high or low in your game. Plus, consider that the higher the offered multiplier, the lower the probability.