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Game Rules

Full Table Baccarat (multi 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 reshuffled after 89% of the shoe has been completed. No cards are burned at the beginning of the shoe

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.

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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.

Multi-Player Baccarat:

Within the multi-player version of Baccarat, each table accommodates eight players and a dealer. The player selects their seat when entering the game, however, if this one has been chosen you will be given the next available seat. You are able to change your position on the table by exiting and re-entering the game.

The show will be placed in front of the dealer, and will then be offered to a player. If the shoe is offered to you then you will be offered a pop-up box - "You have been offered to cut the deck. By cutting the deck you accept the dealer for his hand", you are then able to select "yes" or "no". You have then accepted or declined the offer of becoming the dealer. If no player accepts to cut the deck, then the dealer will cut the deck randomly. After the cards have been cut, the dealer takes the first card from the shoe, and reveals that card. The number on the card is how many cards are to be burnt (not shown on the table). Aces are 1, face cards are worth 10. The shoe then moves to the player who accepted cutting the cards or the dealer keeps the show and deals the first hand. The yellow card is then placed back in the deck and used as a designator as to when the show is complete. Each player then begins a hand by placing a bet on the table. The player is able to place a bet with the Deal and Pass buttons as well as the betting chips are placed in front of their seat.

There are three types of bet that a player can wager on - the Player's hand (the player clicks on the first circle from the end of the table to place the wager), the Banker's hand (click on the second circle), or the Tie (click on the number above the second circle to place the wager). A combination of all three bets can also be made. The player places their amount by clicking on the Baccarat field they would like to bet on (Player, Banker, Tie).

After placing their bet on the table, the player may chose to skip the giben deal (before the first card is dealt) by pressing "Pass" or proceed with the bet by pressing the 2Deal" button. If the player does neither of these within 15 seconds then they will be automatically excluded from that particular hand. Note: if a player joins the table in the middle of a hand, they must wait until that round is over before they are able to bet on the next hand.

After every player has pressed Pass or Deal the Player and the Banker are dealt two cards. All tens and picture cards are equal to zero, aces are worth 1 and all other cards are based on their face value. If the value of the cards exceeds 9 then the value is adjusted by taking 10 from the total.

Example:
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 ask 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".

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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 also gains 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
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 has two cards (6, 7), then a two card Banker hand totaling 3, 4, 5 must draw and a Banker hand totaling 6 must stand.

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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.

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Betting limits:

$5 minimum bet.

$300 maximum bet.

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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.

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Chatting:

To begin chatting, click on the Chat button at the bottom left-hand corner of the game console. A chat window will pop-up in the top-left hand corner of the game console. You may chat with others at the table by typing in a message in the chat window and pressing Send. Your message and the messages of others will appear in the top part of the game window. The actual location depends on your seating position. If you prefer not to chat, you may close the chat window by clicking on the "x" button in the top right hand corner of the chat window. You may reopen the chat window at any time by clicking on "Chat" in the top menu bar.

Please refrain from using any language or discussing topics that others may deem offensive. Failure to comply with this rule may result in your removal from InterCasino. If you feel that someone is abusing this rule, please send an e-mail to our support team and we will look into it.

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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.

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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.

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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.