How To Play Baccarat


Baccarat Objectives

Let’s learn how to play baccarat. This is a thrilling game and is played at major casinos all over the world. In baccarat, a player wagers on his/her prediction of who will win or if there will be a tie. A player can bet that his/her hand will win, that the banker’s hand will win, or that the game will be a tie. For a deep dive into the game have a look at our complete Baccarat Guide.

Play Baccarat: The Rules

The object of baccarat is to predict whether the banker or the player’s hand will be closer to a point value of 9. All 10-value cards count as 0 and aces count as 1. The hand with the highest point value wins.

No baccarat hand can go over 9 points. A “natural” cannot lose and is a 2-card total of 9. An 8 is the second-best hand and is also called a natural. If the banker and the player are dealt identical hands, the result is a “stand-off” or tie and neither wins.

Players don’t receive any cards or play against others but predict which hand will beat the other.

The player and banker each receive 2 cards. Following standard baccarat rules, a third card is dealt to the player and/or banker.

To explain everything more clearly, don’t hesitate to check out our video explainer of Baccarat Rules.

Play Baccarat: The Hand Values

When you play baccarat hand can go over 9 points. A “natural” cannot lose and is a 2-card total of 9. An 8 is the second-best hand and is also called a natural. If the banker and the player are dealt identical hands, the result is a “stand-off” or tie and neither wins.

Play Baccarat: The Card Values

Aces are worth 1 point and face cards and 10’s are worth 0 points. All other cards are worth their face value. If the cards in a hand total more than 10, a player must subtract 10 points; the amount that remains is the baccarat point value of the hand. Example: 8+8=16. This is 6 in baccarat. A Jack+7=17.

baccarat card values

Baccarat Third Card Rules

The following chart governs when a player and/or banker will automatically be dealt (i.e. “draws”) a third card in Baccarat. If the point value of the first 2 cards is an 8 or 9, it’s a natural. If the player/dealer is dealt a natural, the game ends and a third card is not dealt to anyone.

Player

point Value of First Two Cards Action Required
0-1-2-3-4-5 Draws a third card
6-7 Stands
8-9 “Natural hand”, no further draw

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

Payouts

Winning Wager Odds Payout
Banker (receives 5% commission) 1-1
Player 1-1
Tie 8-1

We also have a concise guide to Baccarat Strategies to help you master the game. And once you’re a master, then head over and take a look at our listings of the best casino jackpot reviews. This’ll help you sort out the better casinos to play in.