Learn How to Play Baccarat: Best Learn at Fun88

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how to play baccarat

How to Play Baccarat

Baccarat is a beautiful and elegant card game that has found its way into the digital realm of online casinos. With its origins in France, baccarat has gained popularity worldwide as a game of chance and strategy. In most virtual adaptations, players are presented with a virtual table and two central hands, the Player and the Banker. The game’s objective is to predict which hand will have a higher total value—either the Player’s or the Banker’s hand or if it will result in a tie.

how to play baccarat

The value of each hand is determined by the sum of the card values, with numbered cards worth their face value, face cards (King, Queen, and Jack), and tens worth zero. Only the rightmost digit is considered if a hand’s value exceeds nine. Players place their bets on the anticipated outcome, and once the bets are placed, the cards are dealt. The virtual dealer handles the cards’ distribution and the game’s resolution. 

Baccarat Card Values and Point Calculation

In online baccarat, card values are essential for determining the point total of each hand. Numbered cards retain their face value, while face cards and tens are worth zero. If the total exceeds nine, only the rightmost digit is considered. Mastering these values is critical to winning in baccarat.

baccarat card values

How to Play Baccarat: Card Values

Baccarat card values play a crucial role in determining the point total of each hand. So before playing, remember these values:

  • numbered cards (2 to 9) retain face value,
  • face cards (King, Queen, Jack) and tens are worth zero,
  • and aces hold a value of one.
card values

When calculating a hand’s total value, only the rightmost digit is considered if the sum exceeds nine. Familiarizing yourself with these card values is essential for strategic decision-making in how to play baccarat.

How to Add Up Points

When it comes to adding up points in baccarat, it is a straightforward process. Simply sum up the card values in a hand. Remember the card values mentioned earlier. Only the rightmost digit is considered if the total card in hand exceeds nine.

how to add up points

For example, a hand with a 7 and a 5 would equal 2 (7 + 5 = 12, rightmost digit is 2). Understanding this point calculation system is vital to playing and strategizing effectively in online baccarat.

Baccarat Third Card Rules

The third card rule in baccarat determines when an additional card should be dealt to the Player and the Banker’s hand. These rules apply after the initial two cards have been dealt. Here’s a summary of the third card rules:

Player’s Third CardThe Banker Draws
When Their Hand is
The Banker Stands
When Their Hand is
2 or 30-45-7
4 or 50-56-7
6 or 70-67
Ace, 9, 10, or a Face card0-34-7

Types of Baccarat Bets

types of baccarat bets

In baccarat, you can place different bets to excite the game. Here are the main bet options:

  • Player Bet – You bet on the Player’s hand to have a higher total value than the Banker’s hand. If the Player wins, you get paid even money (1:1).
  • Banker Bet – You wager on the Banker’s hand to have a higher total value. If the Banker wins, you receive a payout, usually minus a small commission (typically 5%).
  • Tie Bet – You predict that the Player and Banker hands will have the same total value. A winning Tie bet typically pays out at higher odds (e.g., 8:1 or 9:1) but has a higher house edge.
  • Pair Bet – You bet the Player or Banker’s hand will have identical cards. Winning Pair bets usually offer higher payouts. To explain further, Pair bets in baccarat are optional side bets where you wager that either the Player or the Banker’s hand will have a pair of identical cards. Here’s how to pair bets work:
  • Player Pair: You place a bet on the Player’s hand to be dealt a pair of cards with the same rank (e.g., two 7s or two Queens). If the Player hand forms a pair, you win the Player Pair bet and receive a payout, typically higher than the regular bet payout.
  • Banker Pair: You bet on the Banker’s hand to be dealt a pair of identical cards. If the Banker’s hand achieves a pair, you win the Banker Pair bet, and the payout is similar to the Player Pair bet.

Pair bets in baccarat provide an additional opportunity to win and add excitement to the game. It’s important to note that pair bets are independent of the leading Player and Banker bets. You can place a pair bet alongside your regular chance or play only the pair bet if desired. Remember that pair bets typically have higher house edges than the main bets, so it’s essential to consider the odds and potential returns before making these additional wagers.

  • Big and Small Bets – These are side bets based on the number of cards dealt. The “Big” bet wins if the total is five or six cards, while the “Small” bet wins if it’s four cards or less.

Other Side Bet Option in How to Play Baccarat

side bet options
  • Dragon Bonus – Dragon Bonus is a popular side bet option in some online baccarat games. It adds an extra layer of excitement to online baccarat by allowing you to win larger payouts based on the point spread potentially. However, it’s important to note that this side bet has a higher house edge than regular bets. So, it’s advisable to consider the odds and potential risks before placing Dragon Bonus bets in online baccarat games.
  • Super Six – Super Six is a baccarat variant offering an additional betting option with a different payout structure. It’s important to note that the Super Six bet carries a higher house edge like the Dragon Bonus due to the increased odds, so it’s essential to consider the risks and potential returns before placing this side bet.
  • Dragon 7 – The Dragon 7 bet involves predicting that the Banker’s hand will win with a three-card total of 7. 
  • 4-5-6 Bet – this side bet option is occasionally available in online baccarat games. It predicts that the number of cards dealt between the Player and Banker’s hands will be 4, 5, or 6.
  • Banker and Player Insurance Bets – The Player Insurance bet is a gamble on a pair, such as two 7s or two Queens, arising from the Player’s initial two cards. The Player Insurance bet wins and pays out at a higher payout rate, usually between 11:1 and 12:1, if the Player’s first two cards form a pair.

On the other hand, when the first two cards dealt to the Banker form a pair, then the same principle applies. The banker insurance bet wins with the same ratio of payout as the Player insurance bet.

Use of Betting Systems in Online Baccarat

The use of betting systems in baccarat is a common practice among players looking to establish a structured approach to their wagers. While betting systems cannot guarantee consistent wins or alter the inherent odds of the game. 

betting systems

Here are some popular betting systems used in Live Baccarat with their basic descriptions:

Martingale System

This system involves doubling your bet after each loss, with the aim of recovering previous losses and making a profit when a win occurs.

Paroli System

The Paroli system is a positive progression strategy where you increase your bet after each win. The idea is to capitalize on winning streaks and maximize profits.

Fibonacci System

The Fibonacci system is based on the Fibonacci sequence, where each subsequent bet is the sum of the previous two bets. The aim is to recover losses gradually and turn a profit.

1-3-2-6 System

This system is a positive progression strategy where you increase your bet in a specific sequence: 1 unit, 3 units, 2 units, and 6 units. After a win, you go back to the beginning of the sequence.

These systems are meant to provide structure to betting patterns, but they cannot overcome the inherent house edge. It’s essential to use these systems with caution, set betting limits, and understand the risks involved. Ultimately, responsible bankroll management and understanding the game’s rules and odds are key to enjoying Live Baccarat.


Yes, learning how to play baccarat is generally considered easy. Baccarat is known for its simple rules and minimal player decision-making, making it accessible to players of all skill levels.

Baccarat is often considered easier to learn than many other casino table games at Fun88. While baccarat is considered easier to learn, it’s important to note that mastering strategies and developing a deeper understanding of the game may take time and experience.

As with any casino game, learning how to play baccarat starts with knowing the basic rules, observing the gameplay, and gradually expanding your knowledge and skills is recommended.

Learning to play baccarat does not guarantee that a player will win consistently. Baccarat, like other casino games, is based on chance and luck. Even if a player understands the rules, strategies, and odds, the outcome of each hand is ultimately determined by random card distribution.

The best bet for the lowest house edge in baccarat is typically the Banker bet. The Banker bet has a slightly lower house edge than the Player bet and the Tie bet. 

The specific house edge percentages can vary depending on the baccarat variation and the casino you’re playing at. Still, generally, the Banker bet has an advantage of around 1.06%, the Player bet has an advantage of about 1.24%, and the Tie bet has a significantly higher house edge.


Online baccarat offers a sophisticated and immersive experience, bringing the elegance of the casino directly to your screen. Whether you’re a seasoned player or new to the game, online baccarat allows you to test your luck and strategic thinking. So, if you’re ready to indulge in the excitement of baccarat, try it and let Fun88 reveal your fate!

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