Baccarat Rules
The object of baccarat is to obtain a hand with a point total closest to 9. Aces count as one; 2 through 9 as their face value; tens and picture cards count as zero. If the value of the hand is a two-digit number, ignore the first digit. The last digit is the baccarat point value of the hand. For example: 7+6=13=3 and 4+6=10=0
Place your wager on the banker’s hand and/or on the player’s hand and/or on a tie. The player and the banker are then each dealt a two-card hand. In certain cases, a third card is dealt to the player or the banker or both (Third Card Rules). Cards are dealt from a shoe that holds 6 decks of cards. The decks are shuffled each round.
The player closest to 9, wins.
If you bet on the player and the player wins, you are paid 2 for 1 winnings on your bet.
If you bet on the banker and the banker wins, you are paid 2 for 1 minus 5% bank commission (vigorish).
If both the player’s hand and the banker’s hand have equal totals, the game result is a ‘tie’. If you have placed a bet on the ‘tie’ field, your payoff is 9 for 1. Non-tie bets are returned to you if a tie occurs.
Third Card Rules
The following baccarat rule chart governs when the player and/or the banker will automatically be dealt (i.e. “draws”) a third card in the baccarat game:
Player
| Point Value of First Two Cards: | |
|---|---|
| 0 – 1 – 2 – 3 – 4 – 5 | Draws a card. |
| 6 – 7 | Stands. |
| 8 – 9 | “Natural hand”, no further draw. |
If the player stands, then the banker hits on a total of 5 or less. If the player does hit then use the table below to determine if the banker hits or stands.
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. |
Important note: If either the player and /or the Banker has a total of 8 or 9, they both stand. This Rule overrides all other rules.
