Baccarat - How to Play Baccarat

In Baccarat, the goal of the game is to obtain a hand with a point value total closest to 9. Aces are counted as one; 2 through 9 as their face value; tens and face cards count as zero. If the hand’s value is a two-digit number, the first digit is disregarded. Thus, the last digit becomes the point value of the hand in Baccarat. For instance: 7+8=15=5 and 6+4=10=0

Player clicks on chip denomination to choose size of the bet. After that, bet is placed on the banker’s hand and/or on the player’s hand and/or on a tie. Then, the player and the banker are dealt two-card hand each. In certain situations, third card is dealt to the player or the banker or both (Third Card Rules). The decks are shuffled each round.

The hand with total points value closest to 9, wins.

If player bet on the Player and the player wins, the bet is paid 2 for 1 winnings.

If player bet on the Banker and the banker wins, bet is paid 2 for 1, minus 5% bank commission (vigorish).

If both the player’s the banker’s hand have equal point totals, the game results is a ‘tie’. If player placed a bet on the ‘tie’ field, the payoff is 8 for 1. Non-tie bets are returned to player if a tie occurs.


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Baccarat Third Card Rules

The following Baccarat rule table prescribes when the player and/or the banker will automatically draws a third card:

Player

Point value total of player’s first two cards  
0 – 1 – 2 - 3 – 4 – 5 Draws a card
6 – 7 Stands

Banker

If the player stands, then the banker draws on a total of 5 or less. If the player does draw then the table below determines if the banker hits or stands.

Point value of banker’s first two cards Draws when the player’s third card is Does not draw when the player’s third card is
0 – 1 – 2 0 – 1 – 2 – 3 – 4 – 5 – 6 – 7 – 8 – 9  
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   0 – 1 – 2 – 3 – 4 – 5 – 6 - 7 - 8 – 9

Note: If either the player’s and/or the banker’s hand has a total of 8 or 9, they both stand. This Rule overrides all other rules.

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