LIVE BACCARAT - RULES

Baccarat Rules

The Object of the Game of Baccarat

The object is to predict which of the two hands (Player or Banker) will have a point value closest to 9.

How to Play the Game

The Bets
Bets are placed on the baccarat table in one or more of the three rectangles immediately in front of you. The rectangle closest to you is for the Player hand. The rectangle next closest to you is for the Banker hand. The rectangle furthest away from you is for a tie.

Each bet must be made in accordance with the minimum and maximum table limits, which vary from table to table. Players must place and confirm their bets before the end of the betting period, which ends when the croupier announces "No more bets."

The Play

The croupier initially deals out four cards. The first and third cards are dealt to the Player portion of the table immediately in front of the croupier; the second and fourth cards are dealt to the Banker portion of the table immediately in front of the croupier. The cards are dealt face up.

Once the initial four cards are dealt, the two hands are evaluated according to their relative counts. Certain counts will require the croupier to deal a third card to the Player hand and/or to the Banker hand.
After all cards have been dealt, the hand which has a point value closest to 9 is the winner.

The Cards

Face cards (Jacks, Queens, and Kings) and Tens are worth 0, while Aces are worth 1. All other cards are counted at face value. The point value of each hand is the last digit of the sum of the cards. For example, a hand of Jack, 4, and 9 has a point value of 3 (since 0 + 4 + 9 = 13).

Rules for Taking a Third Card at Baccarrat
Under certain circumstances, a third card is dealt to the Player hand and/or to the Banker hand.

Player

When the Player's first two cards total 0, 1, 2, 3, 4, or 5, and the Banker hand has a point value of 7 or less, the Player gets a third card. Otherwise, the Player does not get a third card.

Banker

Whether the Banker gets a third card depends on what the value of the Player's third card (if any) is.

If the Player does not get a third card, and the Player hand has a point value of 7 or less, and the Banker's first two cards total 0, 1, 2, 3, 4, or 5, then the Banker gets a third card.

If the Player does get a third card, then the Banker gets a third card when:

the Banker's first two cards total 0, 1, or 2; or
the Banker's first two cards total 3 and the Player's third card is not an 8; or
the Banker's first two cards total 4 and the Player's third card is 2, 3, 4, 5, 6, or 7; or
the Banker's first two cards total 5 and the Player's third card is 4, 5, 6, or 7; or
the Banker's first two cards total 6 and the Player's third card is 6 or 7.

Payouts

If the Player has a point value closest to 9 then a bet on the Player pays off at one to one.
If the Banker has a point value closest to 9 then a bet on the Banker pays off at 0.95 to one.
If the Player and Banker point values are equal, a bet on Tie pays at eight to one and a bet on Player or Banker pushes. In all other cases, the bet is lost.