Baccarat Game Rules
Baccarat is a classic card game involving two hands: Player and Banker. The game uses 8 standard decks of cards without jokers. The main objective of the game is for the players to predict whether the Player or Banker hand will achieve a score closest to 9.
Gameplay
At the start of a new shoe, the dealer draws and reveals a card to set the number of “burn” cards based on the drawn card’s face value, with 10 or face cards resulting in 10 cards burned.
During each round, the first 4 cards are dealt to the hands in the sequence: Player-Banker-Player-Banker. Depending on the score of each hand from its initial 2 cards, one or more hands may receive a third card. Refer to the section “Third Card Rules” below.
Each card is assigned a point value as follows:
- Aces count as 1 point.
- Cards 2 through 9 are worth their face value.
- Tens and face cards (Jack, Queen and King) are worth 0 points.
The score of a hand at any given moment is computed by summing the points of the individual cards, and dropping the leftmost digit if the total is greater than 9. For instance, if Banker has an “8” and a “9”, the total is 17 and the score becomes 7.
After all the cards are dealt, the final scores of the two hands are compared and the hand with the higher score wins. When both hands have the same score, the result is a Tie and all bets on Player and Banker push.
Whenever the “cut” card is drawn, it signals the final round of that shoe. After the final round, the decks are reshuffled and a new shoe will be used for the next round.
Third Card Rules
If either the Player or Banker hand has a score of 8 or 9 points from its initial 2 cards, the hand is referred to as a “natural”. No further cards will be dealt and both hands will stand.
Rules for Player
- The Player hand will receive a third card on a score of 5 or less from the initial 2 cards.
- The Player hand will stand on a score of 6 or 7 from the initial 2 cards.
Rules for Banker
If the Player hand stands with a score of 6 or 7 points from its initial 2 cards, the Banker hand will receive a third card on a score of 5 or less from its initial 2 cards.
If the Player hand has received a third card, the Banker hand will either stand or receive a third card according to the following table:
| Score from Banker’s First 2 Cards | Banker Receives Third Card when Player’s Third Card Has Point: | Banker Stands when Player’s Third Card Has Point: |
| 0, 1, 2 | 0, 1, 2, 3, 4, 5, 6, 7, 8, 9 | – |
| 3 | 0, 1, 2, 3, 4, 5, 6, 7, 9 | 8 |
| 4 | 2, 3, 4, 5, 6, 7 | 0, 1, 8, 9 |
| 5 | 4, 5, 6, 7 | 0, 1, 2, 3, 8, 9 |
| 6 | 6, 7 | 0, 1, 2, 3, 4, 5, 8, 9 |
| 7 | – | 0, 1, 2, 3, 4, 5, 6, 7, 8, 9 |
Betting Modes
The game offers 2 betting modes: Traditional “Baccarat” and “No Commission Baccarat”. Players can switch betting mode with the use of an in-game toggle button.
The game rules for both betting modes are identical, with the only difference in the payout for the Banker bet type. Refer to the section “Bet Types and Payouts” below for further details.
Bet Types and Payouts
This game offers the following bet types and payouts:
| Bet Type | Payout |
|---|---|
| Player Player has a higher score than Banker | Player Win 1:1 Tie Push |
| Banker Banker has a higher score than Player | “Baccarat” Banker Win 0.95:1 (5% commission deducted) Tie Push |
| “No Commission Baccarat” Banker Win with a Score of 6 1:2 Other Banker Wins 1:1 Tie Push | |
| Tie Player and Banker have the same score | 8:1 |
| Player Pair (P. Pair) The first 2 cards dealt to Player form a pair *Max Round Availability: 60 | 11:1 |
| Banker Pair (B. Pair) The first 2 cards dealt to Banker form a pair *Max Round Availability: 60 | 11:1 |
| Any Pair The first 2 cards on either Player or Banker form a pair (same card ranks) *Max Round Availability: 50 | 5:1 (Pays once if both Player and Banker have pairs from their respective first 2 cards) |
| Perfect Pair The first 2 cards on either Player or Banker form a perfect pair (same card ranks and suits) *Max Round Availability: 50 | 25:1 (Pays once if both Player and Banker have pairs from their respective first 2 cards) |
| Player Natural (P. Natural) Player has 2 cards and a score of 8 or 9 *Max Round Availability: 50 | 7:2 |
| Banker Natural (B. Natural) Banker has 2 cards and a score of 8 or 9 *Max Round Availability: 50 | 7:2 |
| Player Bonus Player wins with a natural (8 or 9) or by a score difference of 4 points or more | Non-natural Win Score difference of 9 – 30:1 Score difference of 8 – 10:1 Score difference of 7 – 6:1 Score difference of 6 – 4:1 Score difference of 5 – 2:1 Score difference of 4 – 1:1 Natural Win 1:1 Natural Tie Push |
| Banker Bonus Banker wins with a natural (8 or 9) or by a score difference of 4 points or more | Non-natural Win Score difference of 9 – 30:1 Score difference of 8 – 10:1 Score difference of 7 – 6:1 Score difference of 6 – 4:1 Score difference of 5 – 2:1 Score difference of 4 – 1:1 Natural Win 1:1 Natural Tie Push |
| Lucky Six Banker wins with a score of 6 *Max Round Availability: 50 | 2-card Banker Hand 12:1 3-card Banker Hand 20:1 |
| 2 Cards Lucky Six Banker wins with a score of 6 and a 2-card hand *Max Round Availability: 50 | 22:1 |
| 3 Cards Lucky Six Banker wins with a score of 6 and a 3-card hand *Max Round Availability: 50 | 50:1 |
*Max Round Availability – The bet type becomes unavailable after the specified number of rounds in the shoe.
Disconnection Policy
If a player is disconnected from a game round, the round will continue until completion. All confirmed bets remain valid and will be settled as the round concludes. The player can review the bet details in the “Bet Record”.
Error Handling
In the event of an unexpected issue in the game, system or procedure, the game round will be temporarily paused while the dealer informs the supervisor. If the issue can be resolved quickly, the round will resume and continue as usual. If an immediate resolution is not possible, the round will be cancelled, and all bets will be refunded.
Supplementary
The “Limit” values for Player and Banker refer to the maximum difference allowed between their respective bet amounts. In other words, a bet on Player will adjust and increase the Banker limit by the same amount, and vice versa.
The maximum RTP of the game is 98.94%.
In case of any discrepancy or inconsistency between the English version and its translations in other languages, the English version shall prevail.