Playing Baccarat

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Baccarat is one of the simplest games to play at an online casino. There really is no strategy involved other then placing your bet. In baccarat, you can bet on your hand or the dealers hand. You can also bet on a tie.

The object of the game baccarat is to bet on the hand that will be closest to 9. That seems pretty straight forward. If you have never played baccarat before and don't know the rules, it is almost impossible to tell what is going on.

Baccarat Card Values

Card values in baccarat differ from all other card games. Cards two through nine (2-9) are counted at face value, All tens (10) and face cards (Jack, Queen, King) are counted as zero (0). The ace is counted as one (1). If this is not clear, take a look at the table below.

  Card Value Example Hand  
  Ace 1 Ace + King = 1  
  2 2 2 + Ace = 3  
  3 3 3 + Queen = 3  
  4 4 4 + 9 = 3  
  5 5 5 + 6 = 1  
  6 6 6 + 3 = 9  
  7 7 7 + 3 = 0  
  8 8 8 + Jack = 8  
  9 9 9 + Ten = 9  
  Ten 0 Ten + 7 = 7  
  Jack, Queen, King 0 Jack + Queen = 0  


Breakdown of a Hand of Baccarat

  Baccarat sample hand picture  
     

Pictured above is an example hand of baccarat. Here is what happened:

1. The player placed a bet of $50 in the "player" area of the board.
2. Two cards were dealt to the player and dealer.
3. Each hand is checked to see if they have been dealt 8 or 9. Getting an 8 or 9 on the first two cards is called a natural and is an automatic win.
4. In our example hand, the player has a Queen of Spades and a Four of Diamonds. The players hand equals 4.

5. Play is then regulated to a "Table of Play" or "Tableau". There are no choices made by the player or the dealer. The Table of Play states the following for the player:

-  If the player has an initial total of 0-5, the player draws a single card.
- If the player has an initial total of 6 or 7, the player stands.

Easy enough rules for the player. The player has a total of 4 in their hand, so then draw a card. The card is a 5 of Clubs, giving the player a total of 9.

The dealer's play depends on the dealer's hand, on whether the player drew a card, and on what card the player drew:
 
- If the player did not draw a card, the dealer draws if he has 0-5, and stands if he has 6-7.
The dealer has a Queen of Diamonds and a Five of Spades for a total of 5. The player did draw a card though, so this rule doesn't apply.

- If the player drew a 2 or 3, the dealer draws if he has 0-4, and stands if he has 5-7.
In our hand, the player did not draw a 2 or 3.

- If the player drew a 4 or 5, the dealer draws if he has 0-5, and stands if he has 6-7.
OK. The player drew a 5. The dealer has a total of 5. The dealer must draw a card.

6. The dealer draws a card and it is a 6, giving the banker a total of 1.

7. Both hands are evaluated, with the closest to 9 winning. The player has a total of 9 and the dealer has a total of 1. The Player wins the bet.


Table of Play in Baccarat

I mentioned earlier about baccarat table of play. Here is a complete list of the table.

Baccarat Players Table of Play
  Players Hand Value Draw or Stand  
0-5 Draw
  6-7 Stand  


If Player or Banker have an 8 or a 9 (called a natural), the game ends. If not, continue below.

 

Bankers Table of Play
Player Draw A Card?
(Yes or No)
Value of Player's Draw Card Value of Dealer Hand Draw or Stand
  No N/A 0-5 Draw  
  No N/A 6-7 Stand  
  Yes 2-3 0-4 Draw  
  Yes 2-3 5-7 Stand  
  Yes 4-5 0-5 Draw  
  Yes 4-5 6-7 Stand  
  Yes 6-7 0-6 Draw  
  Yes 6-7 7 Stand  
  Yes 8 0-2 Draw  
  Yes 8 3-7 Stands  
  Yes Ace, 9, 10, or Face Card 0-3 Draw  
  Yes Ace, 9, 10, or Face Card 4-7 Stands  


It is important to note that you do not need to know these tables to play. The Banker deals and plays out the hands according to the tables above. I always wondered why I won or lost by playing baccarat, and thought maybe someone else did too.

Baccarat Odds


There are three different bets that can be placed while playing baccarat.

- Betting on yourself (player) pays 1:1 (one to one). A bet of a $100 will win you $100.

- Betting on the banker pays 1:1 minus 5% commission. A bet of $100 will win you $95. The 5% is to offset the house advantage that the casino is giving up by allowing you to bet on the banker.

- Betting on TIE pays 8:1. A $100 bet will win you $800.

Do you know your blackjack from your baccarat?

Quiz created by Paddy Power casino

Baccarat Casino Bonuses

You will find that most online casinos offer the game of baccarat. However, you may not realize that about 95% of the casino bonuses out there make Baccarat an Excluded Game or No Rollover Game. The difference between those being that you can place wagers on a No Rollover game; the wager doesn't count towards the bonus requirements.

You may ask yourself why this is the case. The answer is that Baccarat is very close to a 50/50 bet with very little house advanage. The second reason is that people have placed "No Risk" bets in the past. In baccarat, this means placing a bet on Player and Banker at the same time. The purpose of this is to get through the wagering requirments without really risking that much.

The casino bonuses below are the only ones I could find that offer Baccarat as a game that can be played with a bonus and have a fairly reasonable wagering requirement. If you place "No Risk" bets, you can probably expect your account to be banned. Otherwise, enjoy playing the game!

Casino Software Cashable? Percentage Max Bonus Min Deposit Bonus Code
Lucky Red Casino RTG Sticky 55% $1,000 $20 OTHERGAMES55
42x Rollover for Baccarat, All Blackjack and 21 games, Video Poker, Craps, Sic Bo and Roulette.
25x for All Other Games, No Excluded Games!
This is a Redeposit bonus that can be used multiple times. This requires that you make at least deposit before requesting this bonus.
 
All Star Slots RTG Sticky 55% $1,000 $20 OTHERGAMES55
42x Rollover for Baccarat, All Blackjack and 21 games, Video Poker, Craps, Sic Bo and Roulette.
25x for All Other Games, No Excluded Games!
This is a Redeposit bonus that can be used multiple times. This requires that you make at least deposit before requesting this bonus.
 
SpinUSA Casino Media Live Cash 100% $250 $25 (see below)
This is a Live Casino that offers live blackjack, live baccarat and live roulette dealers. You will place bets via webcam and you will see the dealer turn over the cards, spin the ball, and asks for bets or action. However, the bonus is offered for the casino games that don't have live dealers (wagers on live dealers can be placed but don't count for rollover) (slots, video poker, casino poker games and baccarat). Before you receive the bonus, you need to play the bonus 20 times ($250 x 20 = $5000 of wagers placed).
 
AC Casino Betsoft Cash 200% $1,000 $25 ALLGAMES-CASH200
80x Rollover on All Games (Baccarat, Slots, Keno, Blackjack, Other Blackjack games, Pontoon, Video Poker, Three Card Poker, Casino Poker games, Red Dog, Pai Gow Poker, Craps, Roulette and War). Max Withdrawal 5x Bonus Amount: receive $1,000 bonus - Max Withdrawal $5,000.
No risk bets (example - betting on both Player and Banker in Baccarat) will result in you getting banned.
 
Planet Casino BetOnSoft Cash 100% $200 $25 Planet1
30x Rollover on Slots, Keno and Scratchcards - 60x Rollover on Three Card Poker and Roulette -
120x Rollover on Baccarat - 600x Rollover on Video Poker - 1200x Rollover on Blackjack games. Bonus can be used 3 times.
 
Golden Cherry Rival Sticky 50% $444 $30 CHERRY1
40x Rollover on Baccarat, Slots, Keno, Three Card Poker, Let 'em Ride, Red Dog, Pai Gow Poker, War - 160x Rollover on Blackjack and Video Poker. Excluded Games - Roulette and Craps

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