Beginner’s Guide on How to Play Baccarat

Baccarat and blackjack are similar in so many ways. The former though does not really require a strong strategy skill unlike the later. Baccarat has its charm though, as an evident that it’s been around for a long time. It’s very popular amongst high-rollers and Asian gamblers. This page will show you everything you need to know about Baccarat Online and Offline.

How to Play Baccarat

Cards in baccarat have point values like in blackjack. Face cards and tens have a value of 0, while all the other cards have a point value equal to their ranking. For example, ace is equivalent to 1 point, a two is worth 2 points and so on.

Each player will get two cards and the point value of those cards is totaled. Your score will be whatever the digit in the right total. For example, if you are dealt with a 9 and a 7, you would have a total of 16. Your score is 6 since that is the number on the right of the total. Your score in baccarat will always be a number between 0 and 9.

Just like in blackjack, you have the option to “hit” or take another card. Unlike in blackjack though, you are only allowed one hit in baccarat. You are not allowed to hit if either you or the banker has a total of 8 or 9. You receive an additional card based on whatever their score is. If you have 5 or less, you get another card unless the banker has a total of 8 or 9. Otherwise, your total stands.

Based on what the total card of the banker, he has rules about whether or not to take another card. There’s really not much an element of decision-making. The game is quite simple. The total score of cards are compared and it’s either you or the banker has the higher score, although it’s also possible that you could have a tie.


The only decision that you have to make when it comes to baccarat betting is who to place your bet on. You can either bet on the player or on the banker to win. You can also bet on the player and the banker tying.

Your winning bets pay off at 19 if you place your bet on the banker. In other words, the house is keeping a 5% commission on this bet. If you place your bet on the player, there is no house commission so the winning bets pay off at even money. If you bet on a tie, the winning bet pays off at 8 to 1, although this varies per casino. It’s considered a “push” when Bets on the player and/or the dealer is a tie and you get to receive your bet back.


As mentioned earlier, the only decision that you have to make when playing baccarat is which bet to place. Each bet has a specific mathematical house edge. Baccarat is always a negative expectation game since none of the bets offer even odds.

What does it take to have a good baccarat strategy?

Just place your bet with the lowest house edge, and never place either of the bets with the higher house edge.

Here are the following bets that you can make along with its house edge percentage:

  • The best available baccarat bet is the bet on the banker as it has 1.06% house edge. Your best bet mathematically is always bet on the banker.
  • Betting on player gives you a house edge of 1.24%. You’re only giving up 0.18%, but there’s no rational reason to give up any percentage to the house.
  • There is a house edge of 14.36% if you place your bet on a tie. It’s one of the worst bets in the casino. You’d be better off playing any slot machine or roulette.

How to Become a Better Player

Pronounced as bah-cah-rah, the game is not as complicated as it spells. If you know how to win this game, read on and take these tips by heart.

  1. Don’t make the “tie” bet

Placing a bet on tie gives you a huge house edge of approximately 14.4 percent. That means you lose 14.4 units for every 100 units wagered. Unless you’re a billionaire and you just want to waste your money, you can certainly go ahead and place your bet on tie.

  1. Placing your bet with the banker is definitely your best option

Whilst placing your bet at tie is the worst decision you can ever make, placing a bet on the banker is the smartest decision. The banker wins slightly over 50 percent of the time. There is a 5% commission taken from every win so you can never go wrong if you go with the banker.

  1. Stick with the banker until it losses

Winning streaks are higher with the banker. Keep on betting at it if you find that the banker goes on a streak. Don’t forget though that no matter how many streaks there is, it has an end. There is still a house edge in every bet you place and you can’t bet your way out of such an edge. Don’t be too aggressive with the amount of your bet.

  1. Wait one decision after a banker loss

When you lost on a banker bet, don’t immediately jump off to another bet. Wait first for the decision to be made and base your next bet on that decision. Keep in mind that if the Tie is the decision neither the Banker nor the Player loses.

  1. Mini-baccarat can be extremely dangerous

If there is a traditional baccarat where players actually deal the cards, there is a mini-baccarat version of the game. The first difference is that in mini-baccarat, the dealer deals the game, not the players.  It’s also a very fast-paced game where dealers will get of between 150 to 200 decisions. It may have lower required minimum bets, but 200 decisions even with 1.06 and 1.24 house edges can be overwhelming. Learn more about mini-baccarat here.

If you’re playing mini-baccarat, then you should utilize a Banker-only betting system. You bet Banker until it loses. Then you wait until Player loses and go back to betting Banker. This will reduce the decisions you face in half.

It helps if you try to acquire as much knowledge and information as you can before playing in the casino. Click here for more tips and information about your favorite casino games.

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