Hi/Lo Switch

Rules of The Hi/Lo Casino Card Game & More

HILO SWITCHHi/Lo is one of the easiest card games that you will come across. Players do not need any specific sets of skills, and do not really need to know anything about any other card games in order to play Hi/Lo. This card game has become so popular amongst players, that it has featured on many television game shows, as well as being a popular card game with families. Online Hi/Lo can be just as fun, as it represents one of the simpler titles out there that practically anybody can play. If you don’t yet know how to play Hi/Lo, then you’ll pick it up in seconds with our guide.

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As with all card games, the first thing that the player needs to do is place a bet in the betting circle. When placing their bet, it is important that players remember that this bet must be equal to or greater than the minimum bet allowed at the table. Online bets in Hi/Lo tend to have quite low minimum stake limits. Similarly, there are precious few Hi/Lo games that have high wagering limits.

How to play Hi/Lo

Three cards are laid out on the table before the player. Some Hi/Lo games may have more than three cards on the table, and others only two cards – it depends on what game you are playing. What the player has to do with them is quite simple. Hi/Lo dictates that the player must proceed to guess whether the next card will be higher or lower in value than the previous one. If they make it to the end, they win. What could be simpler?

To start off with, the first card is flipped over so that it is face up. This is known as the starting card. After looking at that card, the player must decide if the next card is going to be higher or lower than the starting card.

In Hi/Lo, Aces count as 1s, so they are the low card. After the Ace, the rest of the cards are ranked according to their traditional poker values: 2, 3, 4, 5, 6, 7, 8, 9, and 10, Jack, Queen and King. King is therefore the high card.

If the player guesses incorrectly, (let’s say that the next card is actually higher than a 6, and they say lower, for example), then they will lose their bet. If they correctly guess whether the next card is higher or lower, then they will win and move onto the next card in the sequence.

If the player makes it all of the way to the end of the card sequence on the table, then they will win their bet. There’s nothing more to it, really.

Sometimes though, you may come across special Hi/Lo games, the variants. These variants have slightly different rules, and one of the most popular Hi/Lo variants, is a game called Hi/Lo Switch.

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Hi/Lo Switch

Hi/Lo Switch can appear as a progressive (uncapped jackpot) or non-progressive jackpot (capped jackpot) game. The basic objective of the game remains the same though, in that players must determine the whether the next card will be higher or lower than the previous one.

Hi/Lo Switch uses three 52-card decks, and the further you get into the game, the higher the prizes are worth. After every guess, the player does have the option of walking away and collecting their winnings, although they can gamble them further if they think that they are going to get somewhere, or if the face up card is favourable to them.

Hi/Lo Switch is so called because it allows players to switch cards. At the start, you are only permitted to switch cards twice. However, if you guess correctly more than three times in succession, you are offering additional switches. This is because you are taking additional risks, rather than walking away with the winnings that you currently have.

House Edge

Most Hi/Lo games generally have a house edge of between 1.10% and 3.085%. There have been a few Hi/Lo games offered by online casino software developers which offered absolutely terrible house edges for the player. Net Entertainment’s Hi/Lo for instance – which is no longer offered for this reason – had a house edge of between 10.5% and 11%. And they wondered why it didn’t catch on?

House edges can vary from game to game, and even from bet to bet in some titles.


Sometimes a pay-table is used to play Hi/Lo, but most of the time there isn’t one available. Those Hi/Lo games with a pay-table offer fixed winnings for winning specific games, usually at even-money. However, the kinds of Hi/Lo games where you can walk away at any time, often have their pay-outs plastered above the cards, and do not contain a pay-table.

For instance, you’ll have placed your bet, and then you’ll have your starting card. Well, if the player chooses to play the next card, a prize could appear above and below the card. Sometimes the prizes are quite high and sometimes they are quite low. Generally speaking, the closer the starting card is to 6, 7 or 8, the higher the prize will be, as it is more difficult to guess.

There is no one way to define pay-outs for Hi/Lo. You’re just going to have to play one to see what they offer.

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