The Niu-Niu game in NIUNIU BET is a comparing card game played between the player and the dealer. The goal of the game is to divide a five-card hand into a left hand with three cards and a right hand with two cards. The value of the left hand must be a multiple of 10. The value of the right hand should be as high as possible.

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Face cards (Jacks, Queens, and Kings) are worth 10 points. Aces are worth 1 point. All other cards are worth their face value. The right hand is valued according to the rightmost digit of the sum of their constituent cards: for example, a hand consisting of 3 and 4 is worth 7, but a hand consisting of 7 and 8 is worth 5 (the rightmost digit of the total, 15). Since a right-hand value with a multiple of 10 is the special pattern "NIU-NIU", the highest possible right-hand value is 9 and the lowest value is 1.

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Niu-Niu is dealt from a shoe containing 6 decks of cards shuffled together. For each round, five cards are dealt face up to each hand, starting from the player and alternating between the hands. After the player divides his hand cards, the comparing rules are applied to determine who is the winner. The round is then finished, the outcome is announced and winning bets are paid out.

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Shuffling after half of the 6-deck cards played. The player can also choose to shuffle cards before the next game.