Guide to play baccarat? Baccarat Rules:

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Baccarat is perhaps the most elitist of all casino games, associated with top-drawers, high-rollers, smart dressers and beautiful casinos.

Baccarat table

This elegant card game has simple rules, that makes it even more appealing for players. Baccarat is played at a table with a special layout on it. There are several people at the baccarat table namely a croupier, two dealers and up to 14 gamblers. The croupier (1) stands in front of the table in the middle of it. He makes calls on the hands and directs players according to play procedure. The two dealers (2, and 3) stand behind the chip stack. Their duties are to pay and/or to take the players' bets depending on the results for the hand.

At the beginning of a game the dealers shuffle all eight decks of cards together. Then the croupier takes, roughly, two decks from the top and shuffles, or in other words "laces" them into the remaining cards before putting them in a covered "shoe."

The player at spot 1 (if he wants) can become the "Banker," and deal two cards for each hand. Two hands - the "Player's" hand and the "Banker's" hand - are dealt in a given round. The players must predict which of these two hands will score a point value closest to 9. If the hand scores over 9, the left digit is not counted. For example, 9 + 8 = 17, counts as 7. The hand with the highest point value wins. Suit of the cards means nothing in baccarat

Cards Value

clubs ace Aces count as 1.
clubs 2 spades 9 All pip cards are valued as numbered. 2 counts as 2 points, 9 – nine, etc.
hearts 10 spades j hearts q clubs k 10s and face cards count as 0 (zero)

Individual players do not get cards in the course of the game. They bet on whether the Player's and the Banker's hands are going to win or tie.

The Banker and the Player are each received a hand of 2 cards. In some circumstances, the third card may be dealt, but never beyond. The first card is the first Player card and goes to the croupier, while the second one is the first Banker card and goes under the corner of the shoe. The third card is the second Player card and goes to the croupier. The initial deal ends with the fourth card, the second Banker card, put under the corner of the shoe.

At this point, the croupier gives the Player cards to the player with the highest bet on the Player's side. If there is no bettor on the Player's side, the croupier simply exposes the cards.

Hands worth both 9 and 8 are called "naturals," where 9 beating 8. If the Player hand or Banker hand has a natural 8 or 9 and the opposing hand is lower, the natural hand wins.

diamonds 5 clubs 4 hearts 6 diamonds 3 clubs ace diamonds 8 and similar combinations which totals 9 or 8 are NATURAL.


How to Count Hands

clubs 2 clubs 5 = 7 the hands with the point value not exceeding 9 are very simple to calculate.

diamonds j clubs 4 = 4 Queens, 10's, Jacks and Kings are 0, so thi hand totals 4.

diamonds ace diamonds ace = 7 Ace counts as 1, therefore this hand totals 7.

clubs ace diamonds j = 1 Ace counts as 1, while all face cards are 0, therefore this hand totals 1.

diamonds 8 clubs 5 = 3 Ace counts as 1, while all face cards are 0, therefore this hand totals 1.

There are special rules for drawing a third card. These rules are slightly complicated. Have no fear, however, if you are new to baccarat; just learn the rules and trust that with a little experience the rules will be second nature to you, as they are to the croupier, who really cannot cheat in this, as observers would blow the whistle on him and he'd either be out of the casino, job hunting, or talking to a lawyer about defense strategy.

Here are the circumstances under which a third card may be dealt. The Player gets the first option for receiving a third card.

Drawing Rules

Player banker
If there is a hand with a total of 8 or 9, cards are not drawn.
  • When player/bank has a total of 8 or 9, cards are not drawn.
  • The Player's hand draws a third card when the Player's total is 5 or less.
  • If the player doesn’t draw a third card, the bank stands on 6 or more and draws on 5 or less.
  • If the player takes a third card, the bank draws a third card according to Bank's third-card-rule to the right
  • If the Banker's total is 2 or below, then the Banker draws a card, no matter what the Player's third card was.
  • If the Banker's total is 3, the Banker draws a third card unless the Player's third card was an 8.
  • If the Banker's total is 4, the Banker draws a third card unless the Player's third card was a 0, 1, 8 or 9.
  • If the Banker's total is 5, the Banker draws a third card if the Player's third card was 4, 5, 6 or 7.
  • If the Banker's total is 6, the Banker draws a third card, if the Player's third card was 6 or 7.
  • If the Banker's total is 7, the Banker stands.

You can learn a table with detailed drawing rules below. The first table (Player's Score) is for the player to get a third card. The second one describes what to do the banker with different player's third cards.

Player's Score
0-5 H (Except when banker has 8, 9)
6-9 S
H — Hit
S — Stand
Payout Table
Winner Payout
Player 1 : 1
Banker 19 : 20 (5% commission)
Tie 8 : 1
Banker's Player's third card
Score 0 1 2 3 4 5 6 7 8 9
9 S S S S S S S S S S
8 S S S S S S S S S S
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S H H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S H
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

In Baccarat you can bet on Player, Banker or Tie. If you bet on the Player and win, you will get 1 to 1. A winning bet on the Banker pays out 1 to 1 as well, but you must pay a 5% commission back to the house. This commission is collected at the end of play, not after an individual hand. The commission is taken because the Banker has a statistical edge over the Player. The Tie bet pays out 8 to 1 but a tie has the lowest odds.