How to Play Baccarat – Baccarat Game Rules & Strategy

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Written by Dmytro Sipko | last updated 17 November 2025

More users want to learn how to play baccarat. While its objective is simple enough: score 9 and win, the baccarat game has more rules that make it so interesting to play.

How to play baccarat?

Table of content

What Is Baccarat

The game of baccarat, also known as baccara, derives its name from the word “zero” in French and Italian. Its origins date back to the 19th or even the 15th century. In the modern era, the game has a solid fan base among Aussie punters, with many online houses offering it as a live or completely digital experience.

Baccarat rules

Just like poker and blackjack, the baccarat card game has several winning combinations, a bit of luck involved, and a slight house edge to keep things interesting.

The baccarat game goal is to land a card combination that is 9 or close to this number.

Players have three ways of achieving victory that we’ll cover later.

​How to Play Baccarat

To make it easier for neophytes, we want to guide them through a step-by-step process that shows how to play baccarat at a casino and what happens during each stage. This way, beginners will better understand and follow the game when their turn comes.

Join the game Join the game

To play, users must join a digital or live table at one of the OZ pokies. Since nearly all of them carry entries with the punto banco or American rule set, finding a good option will be easy. Plus, RNG-based titles will allow them to practice without monetary risks.

Place the bet Place the bet

Unlike the rules of blackjack, the guidelines of baccara support three betting options: player, banker, and tie. Yes, people can bet their money on the dealer’s hand, which many newcomers find shocking. Depending on where users wish to play, the minimum bets can be as little as $0.50 or as much as $1 in video offers.

Get the cards Get the cards

The croupier gets four cards, 2 for themselves and 2 for the player, face up. If both hands equal zero (K+J / 10 + Q), the dealer adds one additional card for each box. A punter can also get an extra one if their current hand equals 0-5. If one has 8-9, they don’t get more, and the round finishes at this stage.

Witness the results Witness the results

In all scenarios, the side with a hand close to or equal to 9 wins. Depending on where the bettor placed their money, they can win or lose the wager, with ties having the lowest statistical odds. After the deal has played out, punters decide to stay for more or call it a day.

Main Baccarat Rules

While getting a 9 is a cardinal rule of baccarat, the game has additional provisions that users must comprehend to enjoy it fully. First, we want to discuss card combinations and how they work differently from blackjack and poker. In baccarat, the hands are calculated with the following values of cards:

  • Aces have a value of 1.
  • Kings, Queens, Jacks, and 10s are worth 0.
  • 2-9 cards retain their value based on the number.

If one of the participants goes over 9 on the first draw, only the rightmost digit is counted. For example, when a croupier draws a five and a 7, the total hand is 2, not 12. In this scenario, the dealer gets a single card from the deck. If it’s another 7, they land a natural and win the match.

Baccarat game rules offer flexibility and winning opportunities for all player categories and let them manage their betting behaviour freely.

As mentioned, gambling at a baccarat table offers more options. Depending on where players decide to place their bets, they can enjoy the following payouts:

  • A 1-1 on the punter's hand.
  • An 8-1 on ties.
  • 1-1 on a croupier's hand with a 5% house commission.

A 5% payment to the club may feel like a lot, but it balances out with a lower edge. During game sessions, account holders can land an 8 or a 9 hand, which is called a natural. When both sides of the table don’t have this alignment, additional cards (1 per side) can be drawn out of the deck, until there’s a tie or somebody’s closer to 9.

Basic Baccarat Strategy Guidelines

The baccarat card game has several universal rules that even complete newcomers can use to feel comfortable at the betting table. These tips work in both digital and live settings, making them invaluable for those seeking to improve their baccara game.

  • Avoid tie bets. Despite having high payouts, this option has an edge of around 14%, making it impractical in the long run.
  • Focus on banker wagers. These bets have the lowest edge at about 1.06%, resulting in more frequent victories than with player wagers, which is better for consistent winning.
  • Master the basics. Before hitting the tables, users should memorize card values and comprehend how hands are calculated.
  • Set a win/loss limit. To have a working baccarat strategy, it’s important to restrict how much a person is willing to lose or get before taking a break.
  • Manage the play sessions. As with all pokie games, it’s vital to set aside time for baccarat sessions and quit once it runs out.

Baccarat odds

This popular card game has different winning odds for its three available hands: player, banker, and tie. We decided to make a simple baccarat odds table instead of writing extensively about each option to make it easier for aspiring enthusiasts.

PlayerBankerTie
Chance: 44.62%Chance: 45.86%Chance: 9.52%
Edge: 1.24%Edge: 1.06%Edge: 14.36%

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Why Knowing Baccarat Rules is Important

While the core rules of this game are undeniably important, many experienced punters sometimes ignore a crucial element of these pokie offers: having fun. We urge all our readers to follow this tip and enjoy a pleasant experience at the baccarat table. This is necessary if users wish to foster good betting habits and stay in the game.

FAQ

How do you play baccarat?

In online pokies, people can play baccarat via video and live entries. RNG-based offers allow placing bets using virtual or real money on their victory, the dealer’s, or a tie. Afterward, the software croupier starts dealing cards until one side wins or a tie is drawn.

How to win at baccarat 100%?

There’s no foolproof way to win at this game all the time. Like all pokie offers, it has a house edge which makes it impervious to any betting system or playing strategy. The best thing users can do to increase their odds is to gamble responsibly and manage their bankroll.

What is the best baccarat strategy?

While no one method guarantees winnings, many experts advise betting on banker hands. Statistically, they have the lowest house edge and can result in many won wagers in the long run. This method seems to be the most popular among beginners and seasoned veterans.

Dmytro Sipko photo
Dmytro Sipko Head iGaming Expert
I have over 10 years of experience in the gambling industry. At Pokiesworld, I handle in-depth analysis of brands and bonus promotions.