How
to Play Baccarat
Baccarat
was originally a European game, which was invented and first
played in Italy. The
game developed a large following in France and is still a major
game in Europe, with a number of casinos specializing in the
European version of the game, known as chemin de fer.
There is also another version of the game, called
baccarat en banque.
The
word "baccarat" is the French term for the Italian
word baccara (which
means zero), which refers to the value of zero given to the face
cards as well as the 10 in this game of chance.
The
t in baccarat is silent (bah-cah-rah).
The original game in Las Vegas was introduced on the
Strip in 1959. Originally
the game was played using the chermin de fer rules, in which the
gambler holding the bank plays against the other players; but,
the game was changed to baccarat in the 1960s.
In the American version of the game, which is the version
used by the Internet casinos, the casino plays against all
players, regardless of how they wager.
There
are now two styles of baccarat in American casinos: the more formal full-pit version, played at a long table with
12 to 14 players, two dealers, a croupier and one or more house
shills, and its little brother, mini-baccarat, played on a
standard sized blackjack table, with six players and one dealer.
The
rules are the same in either version of baccarat. The formal version of baccarat has more rituals, and
generally has higher playing limits.
It is typical for baccarat in a Las Vegas Strip casino to
have a minimum wager of $25 with maximum wagers of up to $4,000.
The house will usually raise the maximum wagers for high
rollers, and it is not unusual to see wagers of $10,000 or more. Many Asian high rollers prefer this game, where the casino
will cater to just about every whim.
You can eat a banquet style gourmet meal while you play
and if you like, the casino will provide you with a female
companion, known as a shill, who will play the game along side
of you as long as you wish.
More
formal dress is often required for baccarat and with the
combination of tuxedoed croupiers, a roped off pit, and higher
betting limits, many players are a bit in awe of the game.
If
you want to try your hand at this game in a land-based casino,
the mini-version is the informal way to do so.
The betting limits are much lower, with $2 to $5 minimum
wagers common and $1,000 to $2,000 maximum wagers available.
I tried my first game of mini-baccarat some years ago at
Rio. The dealer was
extraordinarily nice and a lady companion and I whiled away
several hours at this very enjoyable game.
Baccarat
is a card game with only two hands dealt.
One hand is designated the "player" hand the
other is for the "banker."
Each hand initially receives two cards.
You can bet on either the banker, the player or for a
tie. All playing
decisions are made, according to a standard set of rules, by the
baccarat dealer or croupier.
In
baccarat, aces are valued as one, and cards 2 through 9 are
valued according to their numerical values, i.e. a deuce is
valued as 2, a 5 as 5 and so on.
Tens and face cards count as zero.
If the total value of two cards is greater than 10, you
will drop the first digit.
For example, a hand of 8, 5 totaling 13 would be valued
as 3, a hand of 9, 2 and 7 would total 18, with a point value of
8. A card totaling 10 is valued as zero.
The
object of the game is to come as close to a total of 9 as is
possible. A
two-card hand totaling either eight or nine is called a natural.
If either hand has a natural, no more cards are dealt and
the play is settled. A
hand of eight is le petit
natural and a nine is le
grande natural. As
you might expect, le grande natural beats le
petit natural as nine is higher than eight.
After
the first two cards are dealt to each hand, strict rules
determine how the cards are played; nobody makes any decisions.
The rules of play are the same for baccarat,
mini-baccarat and in the e-casinos where I have played baccarat.
If,
after dealing the first two cards, either the banker or player
hand has a total of eight or nine, the natural hand wins and the
game is over.
If
both hands total eight or nine, le
grand natural wins. If
they are both equal in value, the game ends as a tie.
If
neither hand has a natural, both hands are played out according
to a set of rules printed on the land casino's baccarat layout
and available in the e-casinos.
The player's hand is always played first.
The rules for completing the player's hand are listed
below:
Rules
for Completing the Player Hand
If the P
layer's first two card total
|
The
Player's hand must do the following:
|
0,
1, 2, 3, 4 or 5
|
Draw
another card
|
6
or 7
|
Stand
|
8
or 9
|
This
is Natural - no cards are drawn
|
The
banker's hand is always played last.
Play of the banker's hand is dependent on how the
player's hand was played. If
the player hand does not draw a third card the banker hand
follows the procedures following:
Rules
for Completing the Banker Hand
When the Player Hands Stands with Two Cards
When the Banker's
first two cards total:
|
Banker
will:
|
0,
1, 2, 3, 4 or 5
|
Draw
|
6,
7, 8 or 9
|
Stand
|
Whenever
the player hand has a natural of eight or nine, the player does
not draw any additional cards and neither does the banker.
When,
according to the rules, the player hand draws a third card, the
banker hand is always played according to the rules following.
Rules for Completing the Banker
Hand
When the Player Hand Receives a Third Card
When the Banker's
first two cards total:
|
The
Banker draws only when the Player's third card is:
|
The
Banker stands only when the Player's third card is:
|
0,
1 or 2
|
1
2 3 4 5 6 7 8 9 10
|
|
3
|
1
2 3 4 5 6 7 9 10
|
8
|
4
|
2
3 4 5 6 7
|
1
8 9 10
|
5
|
4
5 6 7
|
1
2 3 8 9 10
|
6
|
6
7
|
1
2 3 4 5 8 9 10
|
7
|
|
1
2 3 4 5 6 7 8 9 10
|
No
more than three cards are ever drawn for either hand.
When both hands have completed their draws, the hand
closest to nine wins. The dealer pays those who bet on the winning hand.
In the event of a tie, all bets on banker and player are
pushes, neither winning nor losing. Banker and player bets are even-money wagers, paid 1 to 1,
although a 5% commission is taken from winning banker hands.
Tie bets are paid at 8 to 1.
Odds
are some of the most favorable in the casino.
Using the elaborate rules determining standing and
drawing, the banker hand always has a slight edge over the
player hand. Banker
hands win 50.7% of the time and player hands 49.3% of the time,
when the tie bets are excluded.
If
both hands paid even-money, a smart player would only play
banker and enjoy a 1.4% advantage over the casino.
However, the 5% "tax" the casino charges on
winning banker bets
evens the field. With
this house vig, the house has a 1.17% advantage over banker bets
and 1.35% over player bets.
These odds are just about the lowest of all casino wagers
except for line bets with odds in craps which only give the
casino an edge of 0.80%.
Tie
bets usually pay off at 8 to 1.
I have found a few land-based casinos which pay at 9 to 1
for ties, but none on the Internet that do.
At any rate, the question is strictly academic for us as
we will we never wager for a tie. With an 8 to 1 payoff, the house edge is 14.5%; with a 9 to 1
payoff the edge is still a healthy 4.5%.
Here
are some examples of baccarat hands.
Hand
No. 1
Player
hand: 10-7 = 7
Banker
hand: 5-2 = 7
Under
the rules neither player nor banker can draw with a two-card
total of 7. This is
a tie.
Hand
No. 2
Player
hand: 4-2 = 6
Banker
hand: 10-king = 0
Player
must stand with a total of 6.
Banker draws a card and gets a 3.
Player wins 6 to 3.
Hand
No. 3
Player
hand: 2-2 = 4
Banker
hand: king-5 = 5
Player
must draw a card. Player
draws a 7 and now has 2-2-7 = 1.
Even
though Banker would win by standing, it still must take a card
according to the rules. Banker
draws a 7 and now has a hand of king-5-7 = 2.
Bank wins 2 to 1.
Hand
No. 4
Player
hand: 3-4 = 7
Banker
hand: 10-3 = 3
The
player will stand with a 7.
Banker draws and gets an ace.
Banker has 10-3-A for a 4.
Player wins 7 to 4.
Hand
No. 5
Player
hand: jack-8 = 8
Banker
hand: 4-3 = 7
The
player has a natural and wins automatically without banker
having a chance to improve his hand. When a player or banker hand shows either an 8 or 9 with the
original two cards, the game is over.
Draws to an 8 or 9 are not naturals.
Hand
No. 6
Player
hand: ace-2 = 3
Banker
hand: 3-queen = 3
Both
hands start off equally, but it is too early to declare a tie.
Player draws first and receives a 9 for an ace-2-9 or 2.
The banker would love to stand with his total of 3 but is
not allowed to. Banker
draws an 8 for a 3-queen-8 hand worth 1.
Player wins 2 to 1.
Hand
No. 7
Player
hand: 10-4 = 4
Banker
hand: 6-9 = 5
Player
must draw a card. He
draws a 9 for a 10-4-9, valued as 3.
Banker, with a 5 doesn't draw a card and stands with a 5.
Banker wins 5 to 3.
Hand
No. 8
Player
hand: 4-ace = 5
Banker
hand: 3-king = 3
Here
the player would like to stand with a total of 5 versus a banker
3. But, since the
rules of play are always followed, player draws and gets a 10.
With a 4-ace-10, his hand is still valued at 5.
Banker draws and gets a 6 for a 3-king-6 or 9.
Banker wins 9 to 5.
Hand
No. 9
Player
hand: 4-10 = 4
Banker
hand: king-jack = 0
Again
the player would prefer to stand and take a chance on banker
improving his hand. But
the rules must be followed.
Player draws a card and gets a 10, for a 4-10-10 or 4. Banker draws to his zero and gets a 5. The result is banker wins 5 to 4.
Hand
No. 10
Player
hand: 8-queen = 8
Banker
hand" 9-jack = 9
Both
hands have naturals. Le
grande natural beats le
petit natural. Banker
wins 9 to 8.
Even though I have given you some examples of how different
hands are played, you don't have to know anything about these
rules to successfully play the game.
There are no complicated strategies to learn, cards to
count or any additional rules to learn.
Many baccarat players like to write down every decision
on score keeping cards supplied by the casinos.
In land-based casinos, there are often electronic
displays showing the outcomes of the last 30 or so baccarat
plays.
The above was taken from the book -
Baccarat Attack Strategy.
Click
Here for Access to Baccarat Attack Strategy
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