Baccarat is a game of chance and skill between you and the Banker. It is played with a single standard deck of 52 cards. There are three types of bets and the game odds are high.
The objective of the game is to predict whose hand, the Banker's or the Player's, will be closer to the value of nine. You can also bet on the possibility of a tie.
Payout Schedule
Winning hands in Baccarat depend on the hand you bet on, and whether that hand wins.
If the hand you bet on wins, the payout is as follows:
Hand Combination |
Payout |
Banker's Hand Wins |
2x the bet - 5% commission on win amount for the House |
Player's Hand Wins |
2x the bet |
| Tie |
9x the bet |
If the hand that you bet on wins, you are paid double your bet, unless you bet on a tie. If you bet on a tie, the payout is eight times the amount you bet. If you bet on the Banker's hand, and win, the House charges a 5% commission on your win amount. For example, if you bet 100 and win 200, you only pay 5% of the 100 win amount, and not of the 200 total winnings. 5% of 100 = 5, so you are paid 195.
If you bet on a hand, and the hand loses, you lose your bet. If you do not bet on a tie, and the hands tie, your bet is returned to you.
Baccarat Hands
The winning hand is the one with a value closest to nine.
The value of a hand is calculated by adding up the total of the cards. The card values are:
Card Face Value (Any Suit) |
Card Point Value |
King |
0 |
Queen |
0 |
Jack |
0 |
10 |
0 |
9 |
9 |
8 |
8 |
7 |
7 |
6 |
6 |
5 |
5 |
4 |
4 |
3 |
3 |
2 |
2 |
Ace |
1 |
If the total of a hand exceeds nine, the value of the hand is the "unit" portion of the total. For more information, see the examples below.
If the hand you bet on wins, you are paid out according to the Payout Schedule.
Example:
1. A hand consists of an Eight of Clubs and a Seven of Diamonds. The point values are 8 and 7, so the total of the hand is 8 + 7 = 15. As the "tens" portion of the total is ignored, the value of the hand is 5.
2. A hand consists of a Nine of Spades, a Two of Hearts and a Nine of Diamonds. The point values are 9, 2 and 9, so the total of the hand is 9 + 2 + 9 = 20. As the "tens" portion of the total is ignored, the value of the hand is 0.
