Baccarat Rules Chart

A Baccarat rules chart might be especially useful if you're the sort of player who prefers to have everything in front of you for easy access. What we want to provide you here is the opportunity to have all of the rules for the game in front of you in a simple chart style for easy reference. While the rules aren't difficult to master on their own, keeping them straight with the rules of other casino games and the fact that the odds might alter depending on the number of decks or general Baccarat game regulations can be tough.

Author: Austin Coleman

Published: 6 June 2023

Online Baccarat Rules Image

Baccarat Rules Chart Per Hand

The essential rules to remember are how the two hands are dealt and what causes them to be struck (or not). The first thing to note on any Baccarat rules chart of this type is that any hand with a score of eight or nine terminates the game immediately, and a winner is selected. However, things become a little more tricky after that. It begins by examining the player's total. If the player's total is five or fewer, he or she hits. If the player stands, the banker must also hit if he has a total of five or fewer. If the player hits, the banker's hit is determined by a sophisticated Baccarat rules chart. That's what we're going to flesh out now.

When Does The Banker Hit?

There are five hand groupings for looking at when the banker hits after the player has hit. These groupings are based on the value of the player's third card. The following chart will sort this out but assume that the banker is standing if he does not hit.

  • Grouping A: Player's third card is an 8. The dealer hits on totals of two or less.
  • Grouping B: Player's third card is a 9, 0, or 1. The dealer hits on totals of three or lower.
  • Grouping C: Player's third card is a 2 or 3. The dealer hits with totals of four and below.
  • Grouping D: Player's third card is a 4 or 5. The dealer will hit with totals of five or less.
  • Grouping E: Player's third card is a 6 or 7. The dealer hits the most often here with any total of six and lower.

This Baccarat rules chart covers the most difficult aspects of the baccarat game to memorize. However, there is still much more to learn.

Banker's Total Player's Third Card
0 1 2 3 4 5 6 7 8 9
7 Stand Stand Stand Stand Stand Stand Stand Stand Stand Stand
6 Stand Stand Stand Stand Stand Stand Hit Hit Stand Stand
5 Stand Stand Stand Stand Hit Hit Hit Hit Stand Stand
4 Stand Stand Hit Hit Hit Hit Hit Hit Stand Stand
3 Hit Hit Hit Hit Hit Hit Hit Hit Stand Hit
2 Hit Hit Hit Hit Hit Hit Hit Hit Hit Hit
1 Hit Hit Hit Hit Hit Hit Hit Hit Hit Hit
0 Hit Hit Hit Hit Hit Hit Hit Hit Hit Hit

Charts For The Odds On The Bets

For each of the four bets, you must know two pieces of information: the house advantage with eight decks and the house advantage with one deck. It is 1.06% and 1.01% for the banker bet. It's 1.24% and 1.29% with the player bet. The tie bet has a 14.36% and a 15.75% payout, while the pair bet has a 10.36% payout and a monstrous 29.41% payout. Using these charts will assist you in keeping all of the critical information that you require in front of you as you play. This is significant because it saves you from having to learn a slew of numbers and rules for nothing because there is no penalty for utilizing a Baccarat rules chart at the tables.

How to Play Baccarat

The basic rules of baccarat run like a red thread through all game variants. While things like the number of decks used and the ability to cut the shuffled cards before they are dealt may differ in the baccarat rules of each variant, the following rules of the game of baccarat remain the same.

Number of cards in a hand

It doesn't matter whether there are three or just two hands on the table, each of these hands always contains only two cards to begin with. Whether a third card is added can either be decided by the player or the player's representative or is determined by punto banco baccarat rules. Whether these are dealt face down or face up and with or without the help of a palette depends on the game variant. However, the cards are drawn from the shoe at all times.

The value of the cards as well as the hand

No matter which game variant is played, the value of the cards and the number of points in the hand, the baccarat rules are always the same. The number cards 2 to 9 have a face value, which means their value corresponds to the given number. The Face Cards like Jack, Queen and King have a value of 0, whereas the Ace has a value of 1. To calculate the hand's score, the values ​​of the cards are added together.

If the total is more than nine, then the score is the number on the right of the total. 9 is considered the highest possible point in baccarat, and when it is reached with two cards, that hand is referred to as Le Grande or Natural. 

Rules of Baccarat in Online Casinos

As far as baccarat rules are concerned, there is basically no difference between local and online casinos. In order to be able to play baccarat properly, however, it is important to first pay attention to which game variant is offered and with which baccarat game rules. This must always be observed, regardless of whether the game is played online or in the casino. Baccarat is very diverse and the rules of the game can differ slightly not only from country to country but also from casino to casino.

However, this difference is less common in online casinos, as they often only offer certain game developers. In this way, baccarat players can concentrate on one developer and use their baccarat in various online casinos without having to deal with possible rule deviations again and again. Online baccarat tips also include advice that players can study before playing to find out which bet gives the player more chances of winning at a particular game developer.

While this is not possible in a local casino, the house edge in baccarat is very small compared to other games of chance. In addition, players in the casino may also enjoy learning about the baccarat rules of a game variant other than punto banco. In turn, this will not really be possible in online casinos, since many baccarat variants are technically far too difficult to implement:

  • Pay attention to which variant is offered in the casino;
  • In baccarat, the casino house edge is smaller than in other games;
  • In the online casino usually only Punto Banco is offered;
  • There are usually no benefits to betting on a tie.


Even if baccarat is very multifaceted with its different game variants, there are baccarat rules that always remain the same. This includes the value of the cards and the calculation of the number of points in a hand. The rules of the baccarat game always state that the hand with the highest total wins. With a score of 9 points, a hand almost always wins, with a 0, on the other hand, a hand almost always loses. It is rather unlikely that this will lead to a tie.

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