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Rules for Playing Baccarat The object of baccarat is to reach a point total of 9. Aces count as one, 2 through 9 as their face value, and tens and picture cards count as zero.
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. Following standard baccarat rules, a third card is dealt to the player and/or the banker.
The player closest to 9 wins and is paid even money (1 to 1). 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.
All winning wagers for the banker and the player pay even money. A 5% commission (vigorish) is charged on winning banker bets.
Card Values
Ace = one point.
Picture cards and tens = zero.
All other cards carry the point value stated on the card.
If the cards in a hand exceed ten points, subtract ten, and the remainder is the baccarat point value of the hand. For example: 7+6=13, counts as a 3 and 4+6=10, counts as 0.
Third Card Rules
The following baccarat rule chart governs when the player and/or the bank 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. |
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.
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