Baccarat Rules Guide

Although many are confused by baccarat, its rules are pretty simple. It’s a comparing card game with only 3 outcomes. Baccarat may not be as big as roulette, but make no mistake – it’s among the most popular games in online casinos.

What makes this game so great are the simple rules. Baccarat is very easy to understand since it’s always played between two players. You should, however, learn the rules properly before you hit the tables in any Indian online casino.

The Live Dealers are happy to reply to any questions regarding the rules.

Basics of Baccarat Rules

There are only 3 possible outcomes in a baccarat round – player win, banker win or a tie. It’s a comparing card game between the player and banker. Whoever has a hand closest to a count of 9 wins.

Cards 2 through 9 have their face value, while the ten, jack, queen, and king are worth zero. Aces are worth only 1 point. Jokers are not used in online live baccarat. Hands are valued by units digit of the sum of the constituent cards. If a hand contains an 8 and a 7 which equals 15, only the second digit is taken as total value – in this case 5.

The highest possible hand value in baccarat is 9.

Banker, player, tie rules

The tableau of drawing rules indicates if a player has to get a third card. If his hand is valued 0-5, a third card is drawn. The player stands at an initial total of 6 or 7.

The rules are a bit more complicated for the banker. He draws a third card on a count of 0-5 and stands at 6 or 7. However, other hand values for both players affect the rules for the banker.

For example, if his count is 2 or less, he must draw a card regardless of the value of the player’s third card.

The payouts differ as well. A player win comes at odds of 1.24%, while a banker win is 1.06%. When it comes to the tie bet, it pays 8:1 and has a house edge of 14.4%

This is how it looks like when you place your baccarat bets online.

Card and hand value rules

As mentioned, cards 2-9 in baccarat are at face value, while aces are worth a single point. Other cards are worth nothing.

You must get as close as possible to 9 in order to win. The player closest to that count wins the round. If the hand value is the same, the tie bet wins at an 8:1 payout. When it comes to baccarat, you can bet on each outcome unlike any other game.

Third card rule

In general, if neither the player or banker draws a natural (8 or 9 count) on the first 2 cards, they must get a third card. That’s the case if the player’s hand has a value 0-5. If it has a value of 6 or 7, they stand.

  •       The banker draws a third card under certain conditions.
  •       If his total is 2 or less
  •       If his total is 3, he draws a 3rd card unless the player’s 3rd is an 8
  •       If his total is 4, he draws a 3rd if the player’s 3rd card is a 2-7
  •       If his total is 5, he draws a 3rd if the player’s 3rd was a 5, 6, 6 or 7
  •       If his total is 6, he draws a 3rd if the player’s 3rd was a 6 or 7

Baccarat Variants Rules

There are several baccarat variants which modify the rules a bit. In Chemin de Fer, a player acts as a banker, with the others called “punters”. The banker announces the wager he’s willing to risk, with the other players able to “go bank” with matching wagers.

If none go bank, players make their wagers in counterclockwise order.

Another popular baccarat version is Punto Banco. The most widespread variant in casinos, it is played with 8 decks with up to 12 players. Punto Banco is considered the ‘default’ baccarat variant by many players. Many often think of it when they hear the term baccarat.

Other popular baccarat variants include mini-baccarat, Baccarat Banque, and macao. Although the baccarat rules are slightly tweaked, they are quite easy to understand. Just choose a casino from our list and you’ll have no trouble playing baccarat with ease.

Punto Banco Rules

The goal in Punto Banco is to get closer to a 9 as possible in order to beat the bank. This is the most straightforward game of baccarat available. Its rules are pretty simple for beginners – it’s a pretty hassle-free variant of baccarat.

Punto Banco has the lowest advantage among casino games which is why so many players love it. The banker pays 5% commission on all bets that win, with the player’s house edge at 1.24%.

If you want to try your chances at baccarat, Punto Banco’s the way to go.

Chemin de Fer Rules

In Chemin de Fer, players are able to bet against each other instead of betting against the banker. The game is played with 6 decks of cards. In Chemin de Fer, the role of banker is played by one of the players. Each one takes a turn round by round, and the banker puts down an amount he’s willing to risk at the start.

Players can go all-in against the banker simply by announcing Banco! The other rules stay the same so you shouldn’t have trouble playing Chemin de Fer.

Rules of Baccarat Gameplay

We already mentioned that baccarat is quite simple to play. It’s a game that can be played with a single deck, three decks or as much as six or eight. Due to the different number of cards, the odds differ depending on the decks used.

There are three outcomes of a game and you can bet on each. You can bet on player, banker or a tie. In a game with 8 decks in use, the player house edge is only 1.06%. This is what makes baccarat so popular in online casinos.

Tiny gameplay changes are introduced in variants such as Chemin de Fer and Baccarat Banque. However, the basic rules still apply, so you shouldn’t have any trouble playing each variant.

Payout Rules

The payouts between the three bets differ. You get a 1:1 payout on the banker or player bet and 8:1 on the tie. The tie, however, has the highest house edge as well at 14.40%.

The payout for the tie bet can vary. Although it is 8:1 in most Indian online casinos, it can go as high as 9:1. You should stay away from the latter since the house edge is already pretty high on 8:1 Tie tables.

Live Dealer Rules

Besides RNG tables, baccarat variants are also available in Indian live casinos. The rules for Live Baccarat don’t stray much from the classic versions. The changes introduced are mostly from a technical standpoint.

For example, many live variants allow you to control the squeeze of the card which doesn’t happen with RNG variants. In short, live variants are simply more advanced than their RNG counterparts.

Baccarat Side Bet Rules

Besides the 3 main bets, baccarat also has a set of side bets. Some of them include Panda 7, Dragon Bonus, Big and Small bets, and more.

Bets such as Dragon Bonus can pay a hefty 30:1 payout, which is why it is recommended to take them up. Of course, due to the higher returns, they are also riskier. Keep that in mind if you plan on putting money on any baccarat side bet.

Baccarat Rules FAQ

The third card rule applies in certain situations only. For example, when a player’s hand value is between 0 and 5. The player must stand on 6 or 7.
The basic rule of baccarat is always stand on 6 or 7 and hit below that. This increases your chances of beating the banker.
Well, the player bet is more advantageous with a house edge of 1.06%. It all comes down to you, though.
The tie bet pays 8:1, but has a house edge of 14.40%.