Rules and Strategy

The Rules of Baccarat

Baccarat ranks among the best known and most thrilling of casino card games. Its rules are simple and can be mastered in only a few minutes. Baccarat is played with six or eight decks of cards placed in a shoe and involves a banker and up to 12 players. Essentially it’s a card game played against the banker with each player taking a turn as the dealer. In online baccarat all the cards are dealt by the virtual banker. One thing to remember in baccarat is that ‘Banker’ does not mean ‘The house’.

There are three possible outcomes n a game of baccarat. To win, the player has the choice to bet on the player's hand, on that of the Bank or on a tie. The objective of the game is to guess which one of the two will succeed in getting a total closest to 9 points which is the winning hand.

The value of cards in baccarat

King, Queen, Jack and 100 Points
Ace1 Point
2, 3, 4, 5, 6, 7, 8, 9Face Value

Counting the value of cards in baccarat

If the total of the cards in a hand of baccarat exceeds the value of 10 points, then there are two ways of reading the ‘true’ value of the hand, both are in essence the same.

  • By subtracting 10 from the total value, or
  • [e.g. 6 + 6 = 12, so the true value of the hand is 2 points]
  • By dropping the first digit and retaining the right hand digit.
  • [e.g. 4 + 3 + 5 = 12, so the value of the hand is 2 points]

The course of a game of baccarat

You have to place a bet of your choice on the hand of the banker ("Banker"), on the hand of the player ("Player"), or on a draw ("Tie"). Once the betting is finished, the game begins. The croupier then deals two cards to the player and the banker which are added up to get the point totals. Depending on this total, the croupier will give a third card to the player, to the banker or to both.

The total points of each hand are then re-calculated and the hand that’s closest to a value of 9 wins. If you bet on the player and his hand is the winner, you win one times the amount of your bet. If you bet on the bank and its hand wins, you win one time the amount of your bet less a 5% commission. If you bet on a tie and the tie flops, you win 8 times your initial bet.

Rule of the third card

Depending on the points calculated after the first deal, the croupier sometimes gives a third card to the player and/or the bank. The croupier gives it first of all to the player, and then if necessary to the bank.

Here’s a table that will help you determine whether the Banker will hit or stand depending on the players third card:

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