Baccarat Rules

Baccarat is a classic and elegant casino card game that has been enjoyed by players around the world for centuries. Often associated with high stakes and sophistication, baccarat offers a straightforward and engaging gameplay experience. In this beginner's guide, we will explore the rules and mechanics of baccarat, equipping you with the knowledge needed to embark on your baccarat journey confidently.

Understanding the Basics

Baccarat is typically played with six to eight standard decks of cards, and the objective of the game is to bet on the hand that will come closest to a total value of 9. The game involves two primary hands: the Player's hand and the Banker's hand. Additionally, players have the option to bet on a Tie outcome, where both hands have the same value.

Card Values: Before we delve into the gameplay, it's crucial to understand the values assigned to the cards in baccarat:

  • Numbered cards (2 to 9) retain their face value.
  • 10s, Jacks, Queens, and Kings have a value of 0.
  • Aces are worth 1 point.


1. Placing Bets: At the start of each round, players place their bets on either the Player, the Banker, or a Tie. It's important to note that "Player" and "Banker" are not related to the player and the casino but are merely designations for the two hands in the game.

2. Dealing Cards: After bets are placed, the dealer will deal two cards each to the Player and the Banker. In some cases, a third card might be dealt based on specific rules, which we'll discuss later.

3. Calculating Hand Values: The hand value in baccarat is determined by adding the point values of the two cards and taking the rightmost digit of the sum. For example, if a hand consists of a 7 and an 8 (totaling 15), the hand value is 5 (the rightmost digit).

4. Drawing a Third Card: The rules for drawing a third card are based on the total value of the Player's and Banker's initial two cards:

  • If either the Player or the Banker has a total of 8 or 9 (known as a "natural"), both hands stand, and no more cards are drawn.
  • If the Player's total is 5 or less, the Player will receive a third card.
  • If the Player stands with a total of 6 or 7, the Banker will draw a third card if their total is 5 or less.

5. Determining the Winner: After all relevant cards have been dealt, the hand with a total value closest to 9 wins. If the Player's hand is closer, bets on the Player win and are paid at a 1:1 ratio. If the Banker's hand wins, bets on the Banker are also paid at a 1:1 ratio, with a 5% commission deducted. If a Tie occurs, bets on the Tie win at a higher payout, typically 8:1 or 9:1.


Baccarat is an intriguing and accessible casino card game that offers players the chance to enjoy a straightforward yet thrilling gambling experience. With its simple rules and elegant ambiance, baccarat remains a favourite among casino enthusiasts worldwide. By understanding the basics and applying some strategic thinking, players can maximize their enjoyment and potentially increase their chances of winning at the baccarat table. As with any casino game, remember to play responsibly and have fun!

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