Baccarat is derived from Chemin De Fer, one of Europe’s oldest card games. It is very simple to play, in fact, there are only 3 bets that can be made. You can bet on the Bank, Player, or Tie hands.

Baccarat is played with an eight deck shoe. First, four cards are dealt, no matter how many people are at the table. The first and third cards are dealt as the “Player’s” hand, the second and fourth cards are dealt to the “Banker” hand. The object is to make a point total of 9, or as close as possible. Aces count as 1, 2 – 9 count as their face value and all 10s and picture cards count as 0.

For example:

10 & 6 = 6

Once the four cards are out, the dealer announces the point total of both hands. If either hand totals 8 or 9, it is a natural and no additional cards will be dealt. If necessary, the dealer may request that a third card be dealt, first to the “Player” hand, and then if necessary, to the “Banker” hand. The drawing of the third card is governed by the following rules:

Rules – Player

When the first 2 cards total:

1, 2, 3, 4, 5, 0 = Draw

6, 7 = Stand

8, 9 = “Natural” Stand

Rules – Banker

When the Player stands on 6 or 7, the Banker will always draw on totals of 0 through 5, and stand on 6 through 9.

When the Player does not have a Natural, the Banker will always draw on the totals of 0, 1, 2 and then observe the following rules:

Banker Has







Draws when Player’s Third Card is a







Stands when Player’s Third Card is a






Natural, Stand

Whichever hand is closest to 9 wins. Winning bets are paid even money. (1 to 1). A 5% commission (vig) is charged on all winning bank wagers. These commissions are usually paid at the end of each shoe. Tie bets are paid 8 to 1. When the Player hand wins, the shoe is passed counter-clockwise to the next person playing at the table.

Mini-Baccarat is played with the same rules, but at smaller tables and with less money. Also, the shoe is not passed around the table.

A brief look at what a baccarat table looks like: