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Game Rules
Baccarat (single player)
Rule Authority:
InterCasino Baccarat is played and programmed with Atlantic City Gaming rules.
Authority: New Jersey Casino Control Commission.
Rule Exceptions: The cards are shuffled after each hand.
Premise:
At the start of each game two hands are dealt in Baccarat; The Banker's hand and the Player's hand. Before each deal the player is able to place a wager on whether the Player's or the Banker's hand is closet to a total of 9. The player is also able to opt in to wager on a tie (both the banker's and player's hands total the same amount). There are 8 decks of 52 cards used.
How to Play
Betting:
Your chips are first stacked by denomination ($1, $5, $25, $100, $500) at the bottom of the gaming window. The player then selects the amount they want to wager on a given hand by clicking on the chip of the denomination they would like to use.
The player then places their bet on the Baccarat table by clicking on one of the bet fields. The player can also specify a bet that is not equal to an existing chip denomination by clicking on a different chip denomination after placing the last chip on the table. For example, placing a $25 chip and then a $5 chip would make the total of the bet $30.
The player is also able to withdraw their entire wager simply by clicking on the right mouse button. The total of the bet being played will appear in the "Bet" section just below "User". The player may repeat their last bet by clicking on the shortcuts that are summarized below. If the player places a wager that is below the table bet limit, the bet will automatically be put to the minimum bet limit.
Dealing:
After pressing the Deal or Pass button, the Player and Banker are then dealt two cards. All ten and pictures cards are worth zero, aces are worth one, and all other cards are worth their face value. If the value of the cards is higher than 9, then the value is adjusted by taking 10 from the total.
| Hand | Hand Total |
|---|---|
| 9+7=16 | 6 |
| 5+5+5=15 | 5 |
| 10+9=19 | "Natural" 9 |
As soon as the first two cards are dealt to both the Player and the Dealer, a third card may be dealt although the player does not as for a third card. All cards that are additional are subject to the "Third Card Rule", and no hand receives more than three cards. When both the Player and the Banker's hand equals the same total the hand is called a tie. If the value of either the Player or the Banker's hand is 8 or 9 (known as a "natural") after receiving their first two cards then no more cards shall we dealt. However, if the value of the Banker's hand on the first to cards is between 0 and 7 then the Player's hand shall we drawn in accordance to the "Thirds Card Rules".
Third Card Rules:
If the Player's two cards total:
| Player's Hand | Draw? |
|---|---|
| 0-5 | Player's hand must draw |
| 6-7 | Player's hand must stand |
| 8-9 | "Natural" (both hands stand) |
After the Player's Hand acts on a third card draw, the Banker's Hand receives a third card according to these rules:
| Banker's Hand | Draw? |
|---|---|
| 0-2 | Banker's hand must draw |
| 3-6 | Third card to Player's hand determines draw or stand |
| 7 | Banker's hand must stand |
When the Banker's two cards total between 3-6:
| Banker's Hand | Banker's hand draws when Player's third card is: | Banker's hand does not draw when Player's third card is: |
|---|---|---|
| 3 | 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 | Banker's hand must stand | Banker's hand must stand |
| 8-9 | "Natural" - Bank stands | "Natural" - Bank stands |
If the Player's hand stands on two cards (6,7), then a two card Banker hand totalling 3,4,5 must draw and a Banker hand totalling 6 must stand.
Payoffs:
| Wager and Result | Payoff |
|---|---|
| A winning Player hand wager | 1 to 1 |
| A winning Banker hand wager (5% commission on winnings for the House) | 1 to 1 |
| A winning Tie wager | 8 to 1 |
If the player bets on the winning hand then you are paid one to one. However, if the player bets a tie they are able to win 8 times the amount you originally bet. Note: if the player backs the Banker's hand, the House charges a small percentage.
Betting Limits:
$5 minimum bet.
$300 maximum bet.
Setting your table bet limit:
You are also able to set your table limit to below the maximum specified limit by selecting Bet Options on the Game Menu. The Modify Table Bet Limit will then appear, and to reduce the maximum type in the new limit in the appropriate box. Then click OK to complete this update. Please be aware that you can only modify your table bet limit once a week (Friday 12:00 AM EST), and using the Modify Table Bet Limit affects the limit for ALL games and not just your current one.
Numeric Keyboard Shortcuts:
| Keyboard Entry | Action |
|---|---|
| 0 | Repeat last bet |
| Enter | Deal |
| 1 | Bet on Player Hand |
| 2 | Bet on Banker Hand |
| 3 | Bet on Tie |
| Up Arrow | Increase bet by $1 |
| Down Arrow | Decrease bet by $1 |
| "Shift + Up Arrow" | Increase bet by $10 |
| "Shift + Down Arrow" | Decrease bet by $10 |
| Del or . | Remove bets |
For keyboards without keypads, you must use the "Fn" key plus the shortcuts above (e.g. 'Fn' + Enter). Please note that these keyboard shortcuts are given as a suggestion only. Some computers may function differently, and the shortcuts may not work on some computers.
Statistics:
You are able to view a list of the previous winners, which is displayed on the left hand side of the screen. The hand of the Banker is indicated by a B, the Player's by a P, and a tie is indicated by a dash '-'. Consecutive wins by either player are displayed in the same column, and a new column is created when either the Banker or Player starts a new winning streak. A tie is considered part of the same winning streak, and so is included in the same column as the previous winner.
Note: You are able to turn on and off the sound, voice and animation at anytime by clicking on the Options button that is located on the lower left-hand area of the console. The setting is turned on is the box is checked and off when it is unchecked, you must exit and re-enter the game to re-activate the animation feature.
References:
If you want to find further information on Baccarat, please consult the following references:
- Patrick, John. John Patrick's Baccarat : How to Play and Win at the Table With the Fastest Action and the Highest Stakes, Lyle Stuart, 1997.
- Stuart, Lyle. Lyle Stuart on Baccarat, Barricade Books, 1997.
- Tamburin, Henry. Reference Guide to Casino Gambling, Research Services Unlimited, 1993.
- Tamburin, Henry and Rahm, Richard. Winning Baccarat Strategies, Research Services Unlimited, 1983.
