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Baccarat
Baccarat is a card game that is dealt from a shoe that holds 6 or
8 decks of cards. Two hands are dealt by the house dealer, the "banker"
hand and the "player" hand. Before the hands are dealt, bets may be
placed on the banker hand, on the player hand, or on a tie.
Winning bets on banker or player are paid 1:1, but a commission of
5% is charged on bank bets making the net odds on such bets 0.95 to
1. If there is a tie, bets on the banker or player are returned. Some
casinos pay out on tie bets at 8:1, while others pay tie bets at 9:1,
so this may vary from casino to casino. If there is a tie, bets on
the banker or player are returned. Once a bet has been placed, there
are no opportunities for further decisions -- both the banker hand
and the player hand are dealt according to fixed rules, resulting
in final hands of either two or three cards for each.
The object of baccarat is to obtain a hand with a point total closest
to 9.
Aces count as one; 2 through 9 as their face value; tens and picture
cards 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. For example:
8+6=14=4 and 3+7=10=0.
An initial hand with a value of 8 or 9 is called a "natural." If either
hand is a natural, the game ends. Otherwise play continues, first
with the player hand and then with the banker hand, according to the
following rules.
Rules for the Player hand:
If the player's first two cards total 6 or more, then the player stands
without drawing a card. If the player's first two cards total 5 or
less, the player must draw one additional card.
Rules for the Banker hand:
If the banker's first two cards total 7 or more, then the banker stands
without drawing a card. If the banker's first two cards total 0, 1,
or 2, then the banker must draw one card. If the banker's first two
cards total 3, 4, 5, or 6, then whether the banker draws is determined
by the whether the player drew, and if so the value of the player's
draw card, as shown by the table below:
|
Banks
Total
|
Players Draw Card
|
|
|
N
|
0
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9
|
|
9
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
|
8
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
|
7
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
|
6
|
-
|
-
|
-
|
-
|
-
|
-
|
-
|
D
|
D
|
-
|
-
|
|
5
|
D
|
-
|
-
|
-
|
-
|
D
|
D
|
D
|
D
|
-
|
-
|
|
4
|
D
|
-
|
-
|
D
|
D
|
D
|
D
|
D
|
D
|
-
|
-
|
|
3
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
-
|
D
|
|
2
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
|
1
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
|
0
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
D
|
|
|
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