After you place your bet, the Player will be dealt two cards; then the Banker is dealt two cards. These two cards will add up to a point total between 0 and 9. The object of the game is to bet on the side that will have the higher point total. A Tie will occur if the Player and Banker both have the same point total. Only the singles column will count towards the point total. If the Player receives two 9’s, the total of those two cards is 18, but the point total for baccarat will be 8. All 10’s and face cards value are 0 points.
The game may be over after the first 2 cards are dealt with by both Player and Banker. If either the Player or Banker gets a two-card point total of 8 or 9, it is said to be a Natural 8 or Natural 9. Neither Player or Banker are allowed to take a third card and the point totals are compared to determine the winner of the hand. If both receive a Natural 8 or both receive a Natural 9, the hand is a Tie. If one receives a Natural 9 and one receive a Natural 8, the Natural 9 is higher so that hand will win.
Determining Who Gets a Third Card
The Player’s decision if fairly simple. The Player always acts first and only draws a third card if his point total is 5 or less. That means the Player will not draw a card if the point total is 6 or 7.
If the Player does not take a card, the Banker must draw a card if he has 5 points or less. This means that if both the Player and Banker have a point total of 6 or 7, neither will take a card and the point total is compared.
When the Player Takes a Third Card
Here is where it can get a little confusing. When the Player decides to take a third card, the Banker must decide whether to take a third card or not. This will depend on the Player’s three-card point total.
No matter what, the Banker will have to draw a third card if the Banker’s two-card point total is 0, 1 or 2. Also, the Banker will always stand and not take a third card if the Banker’s two-card point total is 7.
If you bet on the Player and win, you will win 1 to 1 on your bet. If you bet on the Banker and win, you will win 1 to 1, but you will owe 5% commission to the House. Why? Because the Banker always acts last and has about a 5% edge over the Player because of this fact. In the case of a Tie, the Player and Banker bets will be a push. If you bet on the Tie, you will either win 8 to 1 on your bet or 9 to 1 on your bet depending on where you are playing. A non-tie will result in a loss on your bet.