The object of Baccarat is to get a hand with a point value as close to 9 as possible. Aces count as one; 2 through 9 as their face value; tens and face cards all count as zero. If the value of the hand is ten points or more, subtract ten, and the remainder is the baccarat point value of the hand. Place your bet on the banker’s hand, the player’s hand and/or on a tie. Both are then dealt two cards. If you bet on the player and the player wins, you are paid 2 to 1. If you bet on the banker and the banker wins, you are paid 2 to 1 minus 5% bank commission . If both hands are equal, it is a tie and if you bet on the “Tie” field, you are paid 9 to 1.

Third Card Rules
The following baccarat rule chart shows when the player and/or the banker will automatically be dealt a third card in the baccarat game:

Player

Point Value of First Two Cards:
0 – 1 – 2 - 3 – 4 – 5 Draws a card.
6 – 7 Stands.
8 – 9 “Natural hand”, no further draw.

Banker

Point Value of First Two Cards: Draws when the player’s 3rd Card is: Doesn’t Draw When
Player’s card is:

0-1-2 Always draws a card
3 0 thru 9
4 2 thru 7 0,1,8 or 9
5 4 thru 7 0 thru 3, 8 or 9
6 6 or 7 0 thru 5, 8 or 9
7 Always Stands
8-9 Player can’t draw Player can’t draw


The most important rule to remember is that if either the player or the banker or both have a total of 8 or 9, they both must stand. This rule overrides all other rules of the game.