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Baccarat (pronounced
bah-ca-rah) is the French version of an
Italian game that was introduced in France
in the late 15th century. Easy to learn
and fun to play, Baccarat is a game to be
enjoyed by everyone, even though it is often
considered the most glamorous game in the
casino.
Object of the Game
The player's objective is to correctly predict
which of the two hands (Player or Banker)
will have a point total closest to 9.
This version of Baccarat uses eight decks
of cards. The deck is reshuffled after each
hand. Baccarat requires no intervention by the
player. Although the rules for determining when
a hand receives a third card may appear complicated,
the Banker will always be responsible for accurately
executing these rules. The player need only
sit back and have fun.
The Bets. The main game is a wager
on the Player's hand or the Banker's hand:
-
Player - Pays even money.
-
Banker - Pays even money minus
a 5% commission which is collected on
winning bets.
-
Tie - Pays 9 to 1 if the Player
and Banker point totals tie.
Select a chip denomination and then click
in the designated betting areas to place a
bet. Place your bet in the Banker
circle to bet on the bank's hand,
or in the Player circle
to bet on the player's hand. To bet on a tie
between the player and banker hand, place
your bet in the Tie area.
Please be aware of the bet limits displayed
on the table.
The Deal.
The player is dealt the first and third cards
while the second and fourth cards are dealt
to the bank. Specific rules (see the following
pages) dictate whether a third card is drawn
for the player or the bank. The player's hand
is completed first.
The Cards.
Aces count as 1. All face cards and tens count
as 0. All other cards are counted at face
value. Each hand's point total is the last
digit of the sum of their cards. So for example:
| 4
+ 3 = 7. |
This hand's point
total is 7. |
| Q + 5 = 5.
|
This hand's point total is
5. |
| K
+ J = 0. |
This hand's point
total is 0. |
| 2 + 10 + 4 =
6. |
This hand's point total is
6. |
| K + 5 + 6 =
11. |
This hand's point total is
1. |
| 8 + 4 + 7 =
19. |
This hand's point total is
9. |
The winner of the game is the hand whose
point total is closest to 9. In the case of
a tie, only a Tie bet wins.
Bets placed on the Player
or Banker hand are stand-offs
and they are neither won nor lost.
See the following page for the rules regarding
drawing a third card...
Rules for Drawing a Third Card
When the player's
first two cards total:
| 0-1-2-3-4-5
|
Player draws a card |
| 6-7
|
Player stands |
| 8-9
|
Natural, banker cannot
draw |
When banker's first
two cards total:
| 0-1-2
|
Banker draws unless
the player shows a natural 8 or
9. |
| 3
|
Banker draws when
the player's third card is 1-2-3-4-5-6-7-9-10.
Banker stands when the player's
third card is an 8. |
| 4
|
Banker draws when the player's
third card is 2-3-4-5-6-7.
Banker stands when the player's
third card is an 1-8-9-10. |
| 5
|
Banker draws when the player's
third card is 4-5-6-7.
Banker stands when the player's
third card is an 1-2-3-8-9-10. |
| 6
|
Banker draws when the player's
third card is 6-7.
Banker stands when the player's
third card is an 1-2-3-4-5-8-9-10. |
| 7
|
Bank stands. |
| 8-9
|
Natural, player cannot draw |
Payouts
A successful wager on:
-
Player: Pays even mone (1:1).
-
Banker: Pays even money minus
a 5% commission which is collected
on winning bets. For example, if the
player wins $20 betting on the Banker
hand, a $1 commission is collected
and the player receives $19.
-
Tie: Pays 9:1 if the Player
and Banker totals are equal.
If both hands tie, it is considered
a stand-off and any bets made on the Player
or Banker
hand are neither won nor lost. If the
player has made a Tie
bet, he or she is paid 9:1 on the bet.
A Tie bet is always lost if the player
and banker hand totals are not equal.
In Baccarat, you must first decide what
bets you would like to place. You have
the option of betting on the Player's
hand, the Banker's hand, and/or a Tie.
To place a bet on the Player
hand, left click your mouse inside the
circle designated as "Player" near the
center of the Baccarat table. To place
a bet on the Banker
hand, left click within the circle designated
as "Banker". To place a Tie
bet, left click in the area labelled "Tie".
Each time you left-click inside one of
these betting areas, you will place a
chip of the selected denomination on the
table -- adding to any chips that might
already be there. To remove your current
bet amount from the table, right-click
inside the appropriate betting areas.
You can change the denomination of the
chips you will be adding or subtracting
from your bet by selecting one of the
chips on the left side of the screen above
the status panel. The chip with that is
highlighted represents the amount by which
you will change your bet.
For example: If you
wish to place a $25 bet, make sure the
$25 chip is selected by clicking on it.
The $25 chip should now be highlighted.
You can then left-click in any of the
betting areas to place a $25 bet. If you
left-click a second time in the same betting
area, you will add another $25 chip to
your bet for a total of $50. You could
then select the $5 chip and click in the
betting area to increase your bet to $55.
Right-clicking in the betting area peforms
the opposite function by removing the
amount from your bet.
Once the minimum bet has been placed,
the Deal button will
illuminate to indicate that it may now
be clicked to start the deal. Once the
Deal button has been
clicked, the game will begin and you can
no longer add to or remove from your bet.
You may also notice that the Deal
button may be illuminated, but
you do not have a bet placed on the table.
In this case, clicking on the Deal
button will quickly and automatically
start the deal by using the same bet used
for the previous hand. If, for example,
you wagered $10 on the previous hand,
you may find that the Deal
button is enabled even though you have
not placed a new bet on the table. Clicking
the Deal button will
then start the next deal with the same
$10 starting bet. If you do not have sufficient
funds to repeat your previous bet, or
this is your first hand of Baccarat during
this session, then clicking the Deal
button with no bet will start
the next deal using the currently selected
chip amount as your bet.
Playing the Game
Baccarat requires no intervention
by the player once the cards have been
dealt. There are specific rules that
dictate whether the player or banker
receives a third card, but these rules
are carried out entirely by the dealer.
The player does not need to be familiar
with the "third card" rules.
For the player's convenience, the history
panel located in the lower right region
of the screen records the outcome of
each hand dealt. The history panel has
three columns marked P ,
T , and B ,
representing the Player hand, Ties,
and the Banker hand respectively. When
the Player hand wins, a marker is placed
in the P column. Likewise
a marker is placed in the B
column when the Banker hand
wins and in the the T
column when the hands tie. The most
recent outcome is at the top of the
list. Although the panel shows at most
the results of the last seven hands,
the numbers at the bottom of the history
panel keep a running count for each
column. Note that these statistics are
cleared whenever you return to the casino
lobby.
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