How to Play Baccarat


Objective: The objective of Baccarat is to bet on the outcome of the game, predicting whether the Player (Punto), the Banker (Banco), or both will have a hand with a total value closest to 9.

Card Values:

  • Face cards and 10s: Worth 0 points.
  • Aces: Worth 1 point.
  • Number cards: Worth their face value.


  1. Bet Placement: Players place bets on Punto, Banco, or a Tie before the cards are dealt.
  2. Dealing Cards: The dealer deals two cards each to the Player and the Banker. The cards are dealt face up.
  3. Scoring: The sum of the card values determines the score. If the total is more than 9, only the last digit is considered. For example, if a hand has a 7 and an 8, the total is 15, but the score is 5.
  4. Natural Win: If either the Player or Banker is dealt an 8 or a 9, it’s a “natural win,” and no more cards are drawn.
  5. Additional Cards: If neither the Player nor Banker has a natural win, a third card may be drawn based on specific rules:
    • If the Player’s total is 0-5, they draw a third card.
    • If the Player stands, the Banker draws a third card if their total is 0-5.
  6. Determining the Winner: The hand with the highest total wins. If the Player wins, those who bet on Punto win; if the Banker wins, those who bet on Banco win. If it’s a tie, those who bet on a Tie win.

Important Notes:

  • The casino often charges a commission on Banker wins (commonly 5%) due to the Banker’s slightly higher chance of winning.
  • Baccarat is a game of chance, and strategies are limited due to fixed drawing rules.

Remember that specific rules can vary between casinos, so it’s essential to check the rules where you’re playing. Baccarat is known for its simplicity, making it a great game for beginners to enjoy in casinos.