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18+ | T&C's Apply | Responsible Gambling is advised. Casino, Betting and all forms of gambling is an entertainment form that comes with a considerable risk of losing your money. Never play with more than you can afford to lose.
But don’t let that stand in your way. Baccarat is a classic game that’s played all over the world, and it’s a favorite among high-rollers with lots of money. It’s also different from other card games in ways we’ll explain soon.
Does that sound interesting? Then continue reading this comprehensive baccarat guide with tips, strategies, and a breakdown of the baccarat rules.
On This Page
On the following page, we’ll walk you through the game of baccarat and explain everything you need to know before you start playing. We have outlined a round of baccarat and share our tips on how to play baccarat as well as a section about responsible gaming.
- How To Play the Baccarat Game
- Baccarat Rules (for the player and the house)
- Baccarat Strategy
- Play Baccarat Online in India
- Play Baccarat Responsibly
If you find this guide useful, we also recommend casinos where you can play baccarat and we have produced similar guides on other casino games too if that would interest you.
But enough small talk, let us get into the nitty-gritty.
How to Play the Baccarat Game
Baccarat is a card game that you play against a dealer (called the bank) and not other players, but the rules are rather unique.
You see, what makes baccarat different from most other card games is that your goal is not to get the best hand. Instead, your goal is to bet on which hand you think is going to win – yours or the banks. A game can also end in a tie, but you’re normally not allowed to bet on that outcome.
The hand that ultimately wins a round is the hand that gets closest to 9 points. This is possible because almost half of the cards are worth 0. Let us explain.
- Ace is worth 1 point in baccarat.
- Cards 2 – 9 are worth the number on the card.
- 10 and all the face cards are worth 0.
In other words, your goal is to get 9 points using the cards at hand, based on their value which we explained above. In baccarat, 8 decks of standard cards are typically used. Also, you can’t get more than 3 cards during each round, but more about that in a second.
Before you start playing, you have to bet money on which hand you think is going to win, then you can start playing. If you bet on the player’s hand and win, you’ll be paid double of your wager. If you bet on the dealer’s hand and win, you will be paid 95% of your wager. This can differ a bit from game to game, but that’s the general rule of thumb.
A round of baccarat starts with the player and the dealer getting 2 cards each. All cards are dealt face up. If one of the players gets a hand worth 8 or 9 it’s called a neutral and that hand wins. . If both hands have the same value, it’s a tie and the wager is paid back to you.
If neither hand has won after the first two cards have been dealt, you move on to the next part of the game. This part involves a third card being dealt and it follows strict, predetermined rules. Since you’ll be playing as a player, you don’t really have to understand the rules in detail, although it’s good to know about them so that you can follow along. The Baccarat rules are as follows:
- If the player has a hand worth 5 points or less, he gets another card.
- If the player has a hand worth 6 or 7, the player does not get another card.
The dealer’s rules are a bit more complicated.
- If the bank’s hand is worth 5 or less, he will get a new card as long as the player didn’t already get a third card.
- If the player got a third card worth 2 or 3 and the bank’s two cards are worth 4 or less, he gets a new card.
- If the player’s third card was worth 4 or 5, the bank gets a new card but only if his hand is worth less than 5.
- In case that the player’s third card was worth 6 or 7, the bank takes a new card as long as his hand is worth 6 or less.
- If the player got a third card worth 8, the bank will only get a new card if his hand is worth 2 or less.
- If the player’s third card is a 9, 10, J, Q, K or A, the bank will take get a new card as long as his hand is worth 3 or less.
Now, we understand that this can seem overwhelming and complicated but there is no need to worry. As mentioned, since you won’t be dealing the cards, you don’t have to memorize the exact rules. It’s up to the dealer to handle that.
Baccarat is a game of chance which means there aren’t any real strategies that can be used to improve your chances of winning. In most cases, you win a little more by betting on the player’s hand and therefore, that can be a smart move. However, in the end, it won’t affect the outcome of the game.
What you should do is try to find a table with the least amount of decks. Generally speaking, 8 decks with 52 cards each are used when playing baccarat, but there are certain expectations and versions of the game where fewer decks are used.
And, no matter what people tell you, you can’t count cards when playing baccarat. The only game where that works is blackjack. Just remember that counting cards is not allowed and considered cheating at most casinos.
Play Baccarat Online in India
If you’re interested in playing baccarat we suggest that you do so at a live casino with real dealers. Even though it’s possible to play baccarat as a video slot that’s completely automatic, the experience is more authentic when played at a live casino.
Fortunately, most of the online casinos recommended on this site offer live casinos with great dealers, so we recommend you pick one of those.
Lastly, to tie the knot together we wanted to share some baccarat trivia.
In the original version of Ian Fleming’s book, Casino Royale about agent James Bond, the game they play and the story revolved around is baccarat. It wasn’t until Hollywood adapted the story to the big screen that the game was changed to Texas Hold’em. The reason for the switch is that Texas Hold’em is a more well-known game that people can relate to.
Play Baccarat Responsibly
Whether you’re playing baccarat or another type of casino game such as slots, blackjack, etc. it’s important that you’re responsible. You see, whenever you’re playing games with real money, there are certain risks involved and it’s your task to avoid these risks by playing in a good and safe manner.
Now, even though the responsibility is ultimately yours, we do want to help you out as much as you can. The idea of this site is to educate Indian casino players on where it’s best to play but also how one stays safe while playing.
The first step of being responsible is to only use safe and licensed online casinos and sportsbook and the easiest way to ensure that you are, is to rely on our recommendations. We only recommend sites that we would feel comfortable using ourselves and many of them we actually do use.
In terms of risks, there are two things to keep in mind.
First, whenever you’re playing for real money there is a risk that you’ll lose whatever money you wager. Therefore, you have to set a budget and be very strict with it. Never play for money you can’t afford to lose and don’t spend more than necessary on each bet. It’s usually better to play more rounds of a game using smaller bets than playing a few with big bets. Another important rule is to never chase your losses. Everyone loses at times when playing and it’s something we just have to accept.
Second, you have to be aware of the risks of getting addicted to gambling. It’s more common than you would think and can happen to anyone regardless of social status, economic situation, etc. If you ever feel like you’re losing control over your gambling, you should stop immediately and reach out for help if needed.
There are several organisations in India that are working on helping people with a gambling addiction. You can read more about these organisations and Responsible Gambling in our complete guide on the topic.