Baccarat
Baccarat is a gambling card game. It is believed to have been introduced into France from Italy during the reign of Charles VIII of France (ruled 1483-1498), and it is similar to Faro and to Basset. There are three accepted variants of the game:
baccarat chemin de fer (railway),
baccarat banque (or a deux tableaux), and
punto banco (or
North American baccarat).
Punto banco
is strictly a game of chance, with no skill or strategy involved; each
player's moves are forced by the cards the player is dealt. In
baccarat chemin de fer and
baccarat banque, by contrast, both players can make choices, which allows skill to play a part.
Baccarat (pronounced bakðra) is a simple game with only three
possible results - 'Player', 'Banker' and 'Tie'. The term 'Player' does
not refer to the customer and the term 'Banker' does not refer to the
house. They are just options on which the customer can bet.
Baccarat Rules
The object of baccarat is to obtain a hand with a point total closest to 9. Aces count as one; 2 through 9 as their face value; tens and picture cards count as zero. If the value of the hand is ten points or more, subtract ten, and the remainder is the baccarat point value of the hand. For example: 7+6=13=3 and 4+6=10=0.
Place your wager on the banker's hand and/or on the player's hand and/or on a tie. The player and the banker are then each dealt a two-card hand. In certain cases, a third card is dealt to the player or the banker or both (Third Card Rules). Cards are dealt from a shoe that holds 6 decks of cards. The decks are shuffled each round..
The player closest to 9, wins.
If you bet on the player and the player wins, you are paid 2 for 1 winnings on your bet.
If you bet on the banker and the banker wins, you are paid 2 for 1 minus 5% bank commission (vigorish).
If both the player's hand and the banker's hand have equal totals, the game result is a 'tie'. If you have placed a bet on the tie' field, your payoff is 9 for 1. Non-tie bets are returned to you if a tie occurs.
Third Card Rules
The following baccarat rule chart governs when the player and/or the banker will automatically be dealt (i.e. "draws") a third card in the baccarat game:
Player
| 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. |
Banker
| Point Value of First Two Cards: | Draws when the player's third card is: | Does not draw when the player's third card is: |
| 0 - 1 - 2 | Always draws a card. | |
| 3 | 0-1-2-3-4-5-6-7-9 | 8 |
| 4 | 2-3-4-5-6-7 | 0-1-8-9 |
| 5 | 4-5-6-7 | 0-1-2-3-8-9 |
| 6 | 6-7 | 0-1-2-3-4-5-8-9 |
| 7 | Always stands | |
| 8-9 | Player cannot draw. | Player cannot draw. |
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