Introduction

Baccarat comes closer than most other casino games to offering the customer an even break, with house edges of just 1.17 percent for a bet on the banker hand and 1.36 percent for a bet on the player hand. Blackjack players who use basic strategy do better; as do video poker players with refined skills. But baccarat is a game with no playing strategies to master. The average baccarat player is at less of a disadvantage than average blackjack or video poker players.

At the full-scale, 14-player baccarat table, one dealer -- the "callman" -- stands up. The callman turns cards faceup after they are dealt by the bettor holding the shoe. The callman is responsible for calling out the point totals of each hand and announcing whether either hand gets another card according to the set hit/stand rules of the game. Two other dealers remain seated on either side of the callman. They are responsible for paying off winning bets and collecting losing wagers. Mini-baccarat has just one dealer, who deals the cards and combines all the responsibilities of the three dealers at the larger table -- but does it much faster.

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Banker vs. Player

Regardless of how many people are playing, only two hands are dealt. One is designated the banker hand, the other is the player hand. Any customer may bet on either hand, with the exception that the customer holding the shoe in the full-scale game must either bet banker or pass the shoe. Do not think of the bank hand as belonging to the house or the player hand belonging to the bettor. To avoid confusion, we'll refer to baccarat "bettors" or "customers" rather than "players."

Baccarat game rules explained

Baccarat’s rules are easy to understand. Baccarat doesn’t require any particular skills or tactics. It’s purely a game of chance. Baccarat requires very little involvement from the player – all he or she has to do is choose one of the following three outcomes:

       • Tie
       • Banker/dealer wins
       • Player wins

Players place their bets on the banker, player or tie sections of the table. Once their bet has been placed, the game begins. The player and dealer are given two cards each. When the player or dealer has eight or nine points, the game finishes. According to the rules, the hand with the most points (the closest to nine) wins. If neither the payer nor the dealer has eight or nine points, a final card is drawn to decide the round.

This is how the third-card rule affects both the player and the dealer.

The player:

• The player draws a third card if his two-card total is less than five.
• The player does not draw an extra card if his two-card total is less than eight or nine.

The dealer:

• When the player doesn’t draw a third card, the dealer will only draw a third card if his or her two-        card total is no higher than five.
• If the dealer’s two-card total is eight or nine, he won’t draw a card.
• If the dealer’s two-card total is seven, the dealer stands.
• If the player draws a third card, the dealer will only draw a third card if:
       ○ The dealer’s two-card total is two or less.
       ○ The dealer’s two-card total is three, and the third card of the player isn’t an eight.
       ○ The dealer’s two-card total is four, and the player’s third card isn’t a zero, a one, an eight or a
           nine.
       ○ The dealer’s two-card total is a five, and the player’s third card is a four, a five, a six or a    
           seven.
       ○ The dealer’s two-card total is six, and the player’s third card is a six or a seven.