Baccarat is one of the most popular table games at live casinos. Online baccarat games come in a few variations but the most popular version is Punto Banco. Unlike other card games, Baccarat is not played against the dealer. Instead, a dealer is just present to deal cards and chat with players. If you ever wanted to learn how to play Baccarat online then read our guide below for rules and strategy.
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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.
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”.
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.
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.
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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 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
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.
As baccarat is such a popular game of course there are several versions of the game online.
Lightning Cards and Payout Multipliers
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.
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, 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.
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 center 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 center.
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.
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 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.
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