What Is Baccarat
Baccarat is a simple-to-play card game that is popular among high rollers due to its low house edge. Being one of the top 5 most-played casino games, it’s very commonly available in all casinos around the world including online casinos.
Baccarat is similar to blackjack in the sense that both games’ objective is to get as close as possible to a certain number. But baccarat has much simpler gameplay. At a glance, a baccarat game appears to be a totally luck-based game since everything is automated by the dealer.
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Unlike blackjack, there is nothing much the players can do to influence the cards in baccarat. There is no need for players to make decisions while playing. Just place your bets on the baccarat table, sit back and let the dealer handle everything including deciding the winner like playing roulette or slot machines.
However, like any other casino game, there are odds involved. So, there are strategies and tactics that you can master to increase your chances of winning.
How To Play A Game Of Baccarat
The objective in baccarat is to get as close as possible to 9. Baccarat has only 2 hands, either the player or banker regardless of how many gamblers are playing on the table. As a gambler, you are not playing for any hands. Instead, you only need to place your bets. Either on the banker or the player to win.
After the betting phase, the dealer will draw a pair of cards for the player’s hand. Then draw another pair of cards for the banker’s hand. The hand with the closest value to 9 wins the round. So, whoever bet on the winning hand, wins the bet.
That is why baccarat is a favourite among beginners. As long as you bet between player or banker, that is practically a 50% chance of winning!
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When To Draw The Third Card In Baccarat
Most baccarat games end with just 2 cards. But each hand can hold up to 3 cards. So when to draw the third card? Every casino has its own rules on how the banker or the player draws a third card. In most casinos, it’s common that the player must stand when the card value is either 6 or 7.
Hence, when the player hand value is less than 5, the third card is drawn. If the value is exactly 5, then the player has 2 choices. Either stand or draw the third card. In case you are wondering who gets to decide when that happens, it’s normally the gambler who bets the most on the player’s hand who decide for that round.
As for bankers, usually if the banker’s hand value is less than 3, a third card will be drawn. If the banker’s hand has a value of 6 or higher, then the banker must stand.
These unique baccarat rules may be confusing for beginners. But fret not because all this will be calculated and determined by the dealer. You do not need to remember all these rules in great detail. This is one main benefit of playing baccarat, everything is automated!
Calculating Baccarat Hand Total Value
Each hand’s value is scored with a total of between 0 to 9 only. The total point is calculated by adding up the points for each card in the hand. In terms of card values, all 10s and face cards value is zero while ace has the lowest value of only 1. Cards from 2 to 9 retain their face values.
Whichever hand has a total value of 8 or 9, will be considered a natural win. No more cards will be drawn if any hand obtained a natural win.
These are some examples for better illustration in calculating the total points:
- If there’s a 3 and a 5, the total point is 8 (a natural win).
- If there’s an ace and a 5, the total point is 6.
- If there’s a 4 and a 6, the total point is 0.
So, it’s a very straightforward calculation. But for total points beyond 10, you only need to count the points based on the number after 10. The first digit will be ignored, taking only the second digit into consideration.
- If you have a total of 13, that’s just a total of 3.
- If you have a total of 19, that’s just a total of 9 (a natural win)
- If you have a total of 25, that’s just a total of 5.
Again, you do not need to worry about making calculation mistakes. The dealer will calculate, then determine the winning hand and lastly, handle the payouts.
How To Bet In Baccarat
The betting phase occurs before the dealer draws any cards. You have a few betting options, either player bet, banker bet or a tie bet. Then, there are also additional side bet options depending on the casino. Such as betting whether there will be a pair on the player or on the banker.
It is often advised to not bet on a tie. It has a very lucrative payout, a whopping 8 to 1. But the house edge for it is very high that it has the lowest chance of winning. Hence, tie bets should never be played as part of any baccarat strategy at all.
Payouts In Baccarat
Baccarat has slightly different payouts than other casino games. You get different payouts for each winning hands:
- When the player wins, you get 1:1
- When the banker wins, you get 1:1 but there’s normally a 5% commission
- When the tie bet wins, you get 8:1
The side bets tend to have very lucrative payout as well. But it’s highly advisable not to bet on it because the winning odds are really low.
How To Win In Baccarat
Now we will cover some of the common tactics to win and grow your bankroll in baccarat. Among the most common baccarat tactics is to bet more often on the banker. In baccarat, between the player bet and the banker bet, banker has the lowest house edge. Hence, it’s the best bet which offers a higher chance of winning streaks. That’s why there is a 5% commission on the payout when the banker wins.
Sometimes, you may find some casinos (especially online baccarat) which offer a lower commission on banker’s bets. Any reduction in commission will lead to a reduction in house edge. That means all the more reason to continuously bet on banker if there’s such an attractive offer.
Another popular tactic in baccarat is using the Martingale system. In layman terms, Martingale system involves doubling down your bets each time you lost. Keep doubling down until you finally win. With a 50% chance of winning, you will win eventually. Then all your previous losses can be recuperated this way.
Just note that some casino does not allow the use of Martingale system. That occurs when the casino implements a maximum bet amount rule. It stops gamblers from continuously doubling down their bets. Also, this tactic generally requires a deep pocket to absorb the losses before finally hitting a win.
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