Baccarat is one of the oldest and most prestigious card games in the casino world, renowned for its elegance and simplicity. Its origins are debated, but most historians trace the game back to 15th-century Italy, where it was known as Baccara, meaning “zero” in Italian—a reference to the fact that face cards and tens are worth zero points in the game. From there, it made its way to France, where it became a favorite among the French nobility, earning its reputation as a game for the elite.
Today, Baccarat has shed its exclusivity and become a staple at casinos worldwide, including live casinos and online platforms. It offers a straightforward structure, making it accessible to beginners while still providing the tension and excitement that seasoned players love. The most popular variation of the game, Punto Banco, is particularly dominant in online casinos, offering simple rules and fast-paced action that appeals to a wide range of players.
Unlike many other card games, Baccarat is not about playing against the dealer. Instead, it’s a guessing game where players bet on one of three outcomes: the Player hand winning, the Banker hand winning, or a Tie. The dealer’s role is limited to dealing the cards.
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How to Play Baccarat Online
Your objective is to bet on either the “Player” or “Banker” winning the hand. There is also a third betting option, which is a “Tie”. Bets are placed before cards are dealt. Each player and the banker are dealt two cards, face up. Point values for each hand are calculated so that the dealer knows whether to give you another card or not. To have a better understanding of how the game works, we’ll relate to the hand dealt, where the player is holding 10,3 and the banker has 3,8.
Calculating Points
Each card holds a certain points value. Baccarat games do not involve joker cards. These are the point values for each card:
- 10, J, Q, K = 0
- 2, 3, 4, 5, 6, 7, 8, 9 = face value
- Ace = 1
Whenever your cards form a double-digit score, only the single-digit score is counted. So, if we look at our example above, then the player’s current score is 3 and the banker has 1.
- Player’s hand: 10 + 3 = 13 = 3 Points
- Banker’s hand: 3 + 8 = 1 Point
Nine, is the highest points total you can get. If you have a points total of eight or nine then you have a “Natural”.
Drawing Cards
Based on your points total from the first two cards, the dealer knows whether to give you another card:
- 0-5 Points – Player receives another card
- 6-7 Points – Player stands
- 8-9 Points – “Natural”
Banker’s hands follow slightly different rules to the Player’s hands. A Banker will only take another card in the following conditions:
- 1-2 Points – Always takes another card
- 3 Points – Takes another card on player’s 0-7 and 9
- 4 Points -Takes another card on player’s 2-7
- 5 Points -Takes another card on player’s 4-7
- 6 Points -Takes another card on player’s 6-7
- 7 Points -Banker always stands
- 8 or 9 Points (“Natural”) – Always stands
If we go back to our hand above then the player, showing a value of 3, will be dealt another card. The banker currently holds a value of 1. First, we deal a card to the Player, and then we deal to the Banker.
Baccarat Results
As soon as both hands have been dealt with, the final scores are added up. Whoever has the highest points total wins the hand. Once the winner is determined the bets are paid out according to the following odds:
- Tie – both hands are equal – 8:1 or 9:1
- Player wins = 1:1
- Banker wins = 19:20*
* Online casinos take a commission for placing “Banker” bets, therefore the payout is not even money.
If your bet wins, then you get paid out and if your bet loses, then you lose your bet and a new hand begins. So, Baccarat is a very simple game to play. You don’t need to remember all the calculations because, either the casino software or live human dealer will do it for you.
Play Baccarat Demo For Free and Learn
Here you can try out Baccarat and learn the ins and outs of this classic and widely popular card game.
Additional Baccarat Bets
Online Casinos offer a wide variety of betting options. Whether you’re playing random number generator games or with live dealers, you always have a few options to choose from. If you aren’t aware, then know that Baccarat is known as a rich gambler’s game. Therefore, casinos have added many betting options to the classic game. You can bet on many outcomes:
- Will all your cards be red or black?
- Are yours or the banker’s cards suited?
- Will the final combined points total of player and banker be odd or even?
- Will the final combined points total be over or under 9.5?
As soon as there are more betting options involved, the game becomes way more interesting. Your classic bets on player or banker become just a formality. The big money lies with side bets. Some side bets payout at 100:1, whereas on the lower side they payout at 3:2.
If you love playing baccarat, then you’ll love some of the different versions of the game, because they come with some additional betting options. In fact, some bets can yield some great payouts.
Dragon Bonus
Dragon Bonus or Dragon Tiger/Panda is a regular baccarat game, popular in Macau, with bonus side bets. Players can bet on either the Dragon (Player) or the Tiger/Panda (Banker) like in the classic game. Additionally, players can bet on the winning margin of points. If the hand is won by 9 points then the payout is 30:1.
- A hand is won by a margin of 9 points – 30:1
- Banker wins with a 3-card 7 – 40:1
- The player wins with a 3-card 8 – 25:1
Pairs
Players can also make bets on getting a pair in their first two cards. If your two cards form a pair then the bet pays out at 5:1. If you receive two identical cards then you form a perfect pair. Perfect pairs have a payout of 25:1.
Baccarat Variations
As baccarat is such a popular game of course there are several versions of the live games online.
Lightning Baccarat
Evolution Gaming has a very popular version called Lightning Baccarat. Just like regular Baccarat, players can bet on Player, Banker, Tie, and side bets. In this version, Evolution has added the possibility of multiplied winnings. Therefore, an extra 20% “Lightning Fee” is added to each player’s total bet.
Lightning Cards and Payout Multipliers
In every Lightning Baccarat game round, 1 to 5 random lightning cards are drawn from a virtual 52-card deck. Furthermore, these cards each feature random payout multipliers (from 2x to 8x). If you have a winning hand and one or more of these lightning cards match, then the winnings are multiplied according to the cards that match.
However, if you have three matching Lightning Cards and a winning hand, then all cards are multiplied by each other. So, potentially you can have a payout multiplied by as much as 8x8x8 for a max multiplier of 512x. If you have a winning bet on a Tie and 6 matching Lightning Cards, then the multiplier can jump up to 262,144x. So, winnings can keep on multiplying up to a max win cap of 5,00,00,000 Rs. As you can see this version has the possibility for some huge wins.
XXXtreme Lightning Baccarat
Evolution Gaming’s XXXtreme Lightning Baccarat is a twist on the classic Lightning Baccarat game. While traditional Baccarat allows players to bet on Player, Banker, Tie and side bets, this version takes it up a notch. An additional 50% fee is added to each player’s total bet, This makes its so you can reap some potentially massive rewards. You can play at 1Win Casino.
Lightning Cards and Mega Multipliers
Every game round in XXXtreme Lightning Baccarat features between four to eight random Lightning Cards. Each of these cards is assigned a random Lightning Multiplier, which can go up to 10x. If a player’s winning hand contains one or more of these Lightning Cards, their winnings get multiplied based on the card’s value. Whean and if a player manages to get three matching Lightning Cards, their total winnings can be multiplied by 1000x.
If a player places a winning bet on a Tie and it matches with six Lightning Cards, they could be looking at a multiplier of a staggering 2,850,000x! However, to ensure fairness, all winnings have a cap set at cap of 5,00,00,000 Rs. plus the initial bet.
First Person XXXtreme Lightning Baccarat
XXXtreme Lightning Baccarat is about the experience. Set in a mix of baccarat and evolutions lightning type of studio. Another alternative for those who prefer a different immersive experience is the First Person version of the game. From the first person version you can switch to the live version with a click on the ‘GO LIVE’ button. You are then transported directly to the live dealer XXXtreme Lightning Baccarat game.
Dragon Tiger
Deriving from the popular Asian version of Baccarat, Dragon Tiger replaces the regular Player/Banker roles. In this game 2 cards are drawn, one for Tiger and one for Dragon. Whoever has the highest card is the winner. Additionally, many side bet options are added to create more entertainment at the live tables. Side bet options include Black/Red, Big/Small, and Suit. Moreover, you can place bets separately for both Tiger and Dragon. If a 7 is drawn, then all corresponding side bets are deemed as a loss. There is also a Lightning Dragon Tiger by Evolution if you want Multipliers.
Andar Bahar
Many online casino games originated in India. One such game is Andar Bahar. Although it’s not really a Baccarat game variation, there are similarities. A dealer deals a card to the centre of the table and then starts drawing cards, one at a time, to Andar and Bahar. Players need to bet on who will be the first to be dealt a card with an identical value to the card in the centre. Moreover, Andar Bahar features several side bet options: Suits and Big/Small bets for the middle card, and the number of cards dealt in the game round, betting options.
Golden Wealth Baccarat
An exciting live baccarat game featuring win multipliers that can boost your winnings. In Golden Wealth Baccarat, 5 random golden cards are selected out of a deck of cards.
Each golden card features a win multiplier between 2x- 8x. If you bet on a winning hand that features one or more golden cards then your win is multiplied accordingly. A maximum win multiplier of 512x is obtainable if your winning hand features three golden cards, each with an x8 multiplier.
Fortune 6 Baccarat
One of the many brand-new side bets available in this game is referred to as Fortune 6. So, the name comes from there. In this version, it is of course possible to play the primary main game same as standard baccarat with the typical payouts and third card regulations: Banker 0.95:1, Player 1:1 and Tie 8:1.
So let’s focus on the fresh new feature in this title the side bets. Five new side bets in Fortune 6 Baccarat are: Fortune 6, Player 6, Banker 6, Player Fortune Pair and Banker Fortune Pair.
Knockout Baccarat
Knockout Baccarat Live is developed by Ezugi. So, if you already are a fan of Ezugi Baccarat, then this is for you. The game resembles live Baccarat in essence, but it has a twist. It has 7 side bets that provide various fresh winning opportunities.
The additional betting possibilities are simple to understand and really increase the thrill of a live casino game that is already quite engaging. And for seasoned Baccarat players who are tired of simply having the conventional betting possibilities, these extra side bets make for a good Baccarat title. The game is multi-seat so just grab a seat and start playing, no need to wait for one to open up.
Baccarat Playing Tips
Now that we’ve learned the basics of playing online baccarat, it’s time to give it a try. Before you start playing with real money here are some winning tips:
- Above, you can find a list of all our top casino sites. So, pick a casino and go play their free baccarat games.
- You should always bet on the banker because a lot of side bets are related to the banker’s cards. Therefore, make your bets work together to multiply your winnings.
- Do not play with bonuses because you risk having your winnings confiscated by the casino.
As always play responsibly and within your limits.
Baccarat FAQ
The most popular are Punto Banco or No commission Baccarat.
The best potential for high payouts are Lightning Baccarat and Golden Wealth Baccarat due to potential very high multipliers.
Yes, bonus features being added multipliers such as you can find in Lightning Baccarat, Prosperity Tree Baccarat and Golden Wealth Baccarat.
All online casinos offer Baccarat games. Pick a casino that offer the gameprovider that made the version you want to play or try.
