The player's objective is to predict if either the player's hand or the banker's hand will win, or that the game will result in a tie.


The object of baccarat is for the bank or the player to get closest to 9, all ten-value cards count as zero and aces count as one. The hand with the highest point value wins.

The highest hand is nine. A two-card total of nine is called a "natural" and cannot lose. An eight is the second-best hand and is also called a natural. If both player and bank are dealt identical hands, it's a standoff (a tie) and neither bank nor player wins.

The player and the bank are dealt a two-card hand. Following standard baccarat rules, a third card is dealt to the player and/or the banker.

Hand Values

Ace = one
Face cards and tens = zero

All other cards carry the face value of the card. If the cards in a hand total more than ten points, then subtract ten; the remainder is the baccarat point value of the hand. For example: 8+8=16, which counts as a 6; and a Jack+7=17, which counts as 7.

Third Card Rules

The following chart governs when the player and/or the bank will automatically be dealt a third card. Cards will be dealt strictly according to the table below. If either the Bank or the Player has a two-card total of 8 or 9 this is called a "Natural" and is a winning hand. If both Bank and Player finish their hands with an equal point value, the hand is "tied.


Point Value of the first two cards, and actions required:

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


Point Value of First Two Cards
Draws when the player's third card is
Does not draw when the player's third card is
Always draws a card
Always stands
Player cannot draw


Winning Wager
Odds Payout

How to play

  1. Set your bet denomination by clicking the appropriate chips in your chip tray. To lower your bet denomination, shift + left click or use the UNDO button. The amount you wish to bet is called your "in hand" value and is displayed. The default bet amount is the tables minimum bet amount.

  2. Once you have set your bet denomination, click the area(s) of the table where you wish to place bet(s). The areas are BANK, PLAYER, or TIE. The appropriate chips will appear on the table. To remove your bet(s) shift + left click the appropriate bets on the table. Those chips will disappear from the table. Click the "Clear" button to remove all chips from the table.

  3. Once you have placed your bet(s), click the "Deal" button. Both Bank and Player will be dealt two cards. The third card will be dealt according to the Third Card Rules above. The total value of the hand will be displayed at the bottom of the cards.

  4. The result of the wager will be displayed in the user information panel. If you win, your balance increases and chips are added to your chip tray. Losses are subtracted from your balance. If the game was a tie and was not bet on, then your balance remains unchanged.

  5. To play another hand, click the area of the baccarat table where you wish to place a bet. To exit the game click the "Close" button in the upper right-hand corner or choose "Exit Game" from the casino menu.

Betting Limits

Within each game there is a suite of games with various options for the player to choose the minimums and maximums of your choice.

Once the minimum and maximum has been chosen you are taken to the table of your choice.

Betting Limits are then shown on the “Table Limit” sign and can be shown by rolling your mouse cursor over the sign.

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