Baccarat Rules

Baccarat is a popular card game in casinos worldwide, known for its simple rules and thrilling gameplay. It’s a game of chance that requires no technical skill to play, making it accessible to gamblers of all levels.

The Fundamental Rules of Baccarat

Game Objective

The goal in Baccarat is to predict which of two hands (Player or Banker) will achieve a total point value closest to 9, or if the game will result in a tie.

Card Values

  • Ace: 1 point
  • 2-9: Face value (e.g., a 7 is worth 7 points)
  • 10, Jack, Queen, King: 0 points

The Set-Up

Baccarat is played with several standard decks of cards, usually six or eight, shuffled together and placed in a dealing machine known as a “shoe.”

Playing the Game

Betting Options

Players can bet on three outcomes:

  • Player’s hand wins
  • Banker’s hand wins
  • Tie (both hands have the same value)


Two cards are dealt face up to both the Player and the Banker from the shoe. In some cases, a third card is dealt to either or both hands based on the third card rules.

Third Card Rules

  • Player’s Hand: A third card is drawn if the total is 0-5, and stands at 6 or 7.
  • Banker’s Hand: The decision to draw a third card depends on the Banker’s initial total and the Player’s third card value.

Banker’s Third Card Rule:

  • If the Banker’s total is 2 or less, the Banker draws a card, regardless of the Player’s third card.
  • If the Banker’s total is 3, they draw a third card unless the Player’s third card is an 8.
  • With a total of 4, the Banker draws if the Player’s third card is 2-7.
  • A total of 5 prompts the Banker to draw a third card if the Player’s third card is 4-7.
  • If the Banker has a total of 6, they draw a third card if the Player’s third card is 6 or 7.
  • With a total of 7, the Banker stands.

Determining the Winner

  • The hand with the closest total to 9 wins the round.
  • If both hands have the same total, the game is a tie.

Betting and Payouts

  • Winning bets on the Player or Banker are paid 1:1. However, Banker bets typically incur a 5% commission to the house.
  • Tie bets usually pay 8:1 or 9:1, depending on the casino.


Understanding the rules of Baccarat is straightforward, making it an appealing game for many casino visitors. With its blend of luck and strategy, Baccarat continues to be a favorite among players seeking a game that is easy to learn but challenging to master.

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