Game Rules
BaccaratNine is the Magic Number
Bet on Banco or Punto – the hand closer to 9 points wins the round.
Players2 – 14
Duration5 – 10 min
Deck52 Cards · 6–8 Decks
DifficultyEasy
I · Game Idea
Punto or
Banco
I
Baccarat is one of the simplest casino games. Two hands are dealt – "Punto" (player's hand) and "Banco" (banker's hand). Players bet on which hand will come closer to 9 points.
Unlike Blackjack, the player makes almost no decisions – fixed rules determine whether a third card is drawn.
II · Preparation
Before the
Game Begins
II
1
Place your bet
Players bet on Punto, Banco, or Tie.
2
Deal cards
Both hands receive 2 cards each.
3
Point values
Ace = 1, number cards = face value, picture cards and 10 = 0. Only the last digit of the sum counts.
III · Card Values
How Points
Are Counted
Are Counted
III
9
Natural
Instant Win
A hand with exactly 8 or 9 points immediately after dealing automatically wins.
0
Picture Cards
Count as 0
King, Queen, Jack, and 10 all count as 0 points.
3.
Third Card
Fixed Rules
Depending on the point total of the first two cards, a third card is automatically drawn or not.
L
Last Digit
Modulo 10
Only the last digit of the card sum counts – e.g., 7+8=15 becomes 5.
IV · Gameplay
Round by
Round
IV
1
Place your bet
Bet on Punto, Banco, or Tie before cards are dealt.
2
Deal cards
Both hands automatically receive 2 cards each.
3
Check for third card
Fixed table rules determine if a hand receives a third card.
4
Compare
Hand closer to 9 points wins.
5
Payout
Punto wins: 1:1. Banco wins: 1:1 minus 5% commission. Tie: usually 8:1 payout.
V · Variants
Variants
V
Baccarat is played in casinos worldwide under different names.
C
Chemin de Fer
French variant where players take turns being the banker.
MB
Mini Baccarat
Faster version with smaller tables and lower stakes.
PB
Punto Banco
The American standard form – fixed rules with no player decisions.
S
Super Pan 9
Variant with a reduced deck and different drawing rules.
Berlin Hold'em · Matching Decks
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