If the Star Trek TNG future has no money, were there any stakes to the poker games the officers played?

The poker games in TNG were friendly games between officers, with no actual wages. Not even a shift change was at stake, as no one was over worked or lazy. The wages were tokens and the winner just got bragging rights till next game. Just a way to relieve stress and get closer to their peers. In line with Roddenberry vision of the future.

Voyager was different, due to the rationing economy developed by their isolation, lack of access to supplies, and no full crew complement. And Tom being a cad and bad influence on Harry.

DS9 iirc had bets for money used by vendors like Quark. As a border station, it was farther from main stream Federation culture, and often had illegal or frowned upon deals. Mostly due to the large Flux of non-human cultures that had alternative currencies and economics.

That said, I'm sure that the enlisted crew of the Enterprise had actual wages. O'Brien, or any number of Ensigns who are less career oriented and shared bunks instead of their own rooms or had to do grunt work.

Old answer, but I'm going to offer this anyway.

The whole notion of money and credits in the Trek universe is fraught with inconsistency. To suggest they had no concept of money is wrong, although many who want to perpetuate the myth that the Federation world was money-free will assert this. Cyrano Jones "sold" tribbles (and Uhura referred to the idea that they were bought with money, too), Kirk once told Scotty he'd "earned his pay for the week." And, just to be even more contradictory, Kirk told 20th century Gillian that they "don't use money" in the 23rd century - but amazingly, every one of them knew how to use it. Canon is canon, except when it isn't :)