Baccarat is an easy card game with a long tradition that goes back to 15th-century France. The objective of the game is to predict whether the banker’s hand or the player’s hand will get a point value closest to 9, keeping in mind that all ten-value cards count as zero and Aces count as one. The hand with the highest point value wins.

You bet on the banker or the player and if you win, your payout is 1:1. However, if you win by betting on the banker, the bank receives 5% commission. A win on a tie pays 8:1.

Baccarat rules

You start by placing you place a wager on the banker’s hand, on the player’s hand, or on a tie. Once you have placed your wager, click DEAL. Two cards are dealt to the player and two cards to the banker. If you have placed the highest player-side wager, you will be given the option to view the cards for the player’s side in one of three ways.

If you want to see both cards directly click TOSS. You may "PEEK" at the cards, look at the cards from a side view by clicking SIDE or quick view both cards by clicking QUICK. If you choose to peek, side view or quick view you may choose to view the cards one by one by clicking CARD 1 and CARD 2 followed by TOSS. If you do not hold the highest player-side wager, you will only have the option of viewing the banker-side hand.

The player who has the shoe will always turn i.e. view cards for the banker side. The player with the highest player-side wager will turn for the player side. It is possible for the player with the shoe to turn for both sides. The shoe will remain with the player until a player-side wager wins. The shoe will then be passed to the next player.

The player and the banker are each dealt a two-card hand. Then according to the standard baccarat rules stated below, a third card may be dealt to the player and/or the banker.

Card values Baccarat

An Ace is worth one point, and face cards and tens are zero. All other cards carry the point value stated on the card. If the cards in a hand total more than ten points, simply subtract ten; the remainder is the baccarat point value of the hand. For example: 8+8=16, which counts as a 6 in baccarat; and 8+9=17, which counts as a 7.

A tie results when both hands have equal point values. If the game does result in a tie, wagers on the banker and the player are returned.

A third card may or may not be dealt (i.e. "drawn") to either the player or the banker depending on the following rules:

  • If either the player or the banker has a total of 8 or a 9, they both stand. There is no further draw. This rule overrides all other rules.
  • If the player’s total card value is 5 or less, then he player draws. Otherwise he stands.
  • If the player stands, then the banker draws on a total of 5 or less. If the player does hit, see table Banker below to determine whether the banker draws or stands.

Baccarat Banker

Point value of first two cards: Draws when the player’s third card is: Does not draw when the player’s third card is:
0-1-2 Always draws a card -
3 0-1-2-3-4-5-6-7-9 8
4 2-3-4-5-6-7 0-1-8-9
5 4-5-6-7 0-1-2-3-8-9
6 6-7 0-1-2-3-4-5-8-9
7 Always stands -
8-9 Player cannot draw Player cannot draw