Baccarat is an immensely popular casino card game. The goal of this game is to bet on the winning side. The three bets in Baccarat are the Banker’s bet, the Player’s Bet, and the Tie bet.

Basic rules of the game

The game begins with the player placing his bets on Banker's hand, Player's hand or Tie. Dealer deals two hands on the table:

  • The Banker’s Hand
  • The Player’s Hand

Once the dealer places two cards on each part of the table, it’s time to calculate the points and determine the value of each hand.

Note that the Tens (Cards with number 10) and the face cards (A,K,Q,J) are all counted as zero points. The other cards are worth their face value and Ace is counted as one point.

Also, if the value of your hand is a two-digit number, only the second-digit is counted.

For example, 

  • The Banker gets  {10-Spades}{7-Hearts}
  • The Player gets  {9-Hearts}{3-}

Here the banker is the winner because 0+7= 7 points, while the Player’s hand is of only 2 points (9+3 = 12 points, but since we only use the second-digit, it becomes of just two points)

If in the first two cards dealt, the point total is 8 or 9 for either the Player or the Banker, this is called a natural win and the game is over. Bets that have already been placed are cashed out.

The Player hand is completed first. A total of 8 or 9 for the Player will get no additional cards. The Player stands on totals of 6 or 7. On any other total, 0-5, the Player draws a third card, unless the banker has 8 or 9, in which case the bank hand wins with no further draw


In the game of Baccarat, - Sometimes no one wins.

If the Player and the Banker have the same points, the game results in a Tie. In this case, the bets to the Banker and the bets to the Player are returned (no one wins, and no one loses) and only the bets on the Tie are paid.

In Baccarat, no decisions are made by the player or the dealer for how cards are played. If a winning hand is not reached in the initial draw, the dealer must draw a third card for both hands based on the rules. The player hand is always dealt first.


For Player:

Player’s Hand Third Card Draw Rules
0-5 Must Draw
6 or 7 Must Stand
8 or 9 “Natural” (both hands stand)

For Banker:

Banker’s Hand Third Card Draw Rules
0-2 Must Draw
3-6 Depends on Player’s Third Card
7 Must Stand
8 or 9 “Natural” (both hands stand)

The table above depicts that if the banker’s first two cards total 0, 1 or 2 a third card is drawn. If its two cards total seven it must stand. The only other possible totals are 3, 4, 5, or 6 and the decision to whether or not a third card is drawn is determined by the player’s third card.

The following table depicts the rules for when the banker must draw based on the player’s third card:

When Banker’s
First Two Cards Total :
Banker Draws
When Player’s Third Card Is :
Banker Stands
When Player’s Third Card Is :
3 1-2-3-4-5-6-7-9-10 8
4 2-3-4-5-6-7 1-8-9-10
5 4-5-6-7 1-2-3-8-9-10
6 6-7 1-2-3-4-5-8-9-10
7 Stands Stands
8-9 Natural (Player can''t draw) Natural (Player can''t draw)

Download Rulebook

Download Rulebook


Download PDF download-icon

Other Games