Mini Baccarat
Rules, Drawing Table, and Glossary
Mini Baccarat is a comparing-card game. You bet on whether the Player hand, Banker hand, or a Tie will finish closest to 9. The cards are then dealt automatically according to fixed rules.
Free play-money practice only. No real-money wagering, deposits, prizes, or cash-out.
Rules
How a Round Works
1. Choose a Bet
Bet on Player, Banker, or Tie. These labels name the two hands; they do not mean you are playing one hand yourself.
2. Deal Two Cards
Player and Banker each receive two cards. If either hand has a natural 8 or 9, the round ends immediately.
3. Apply Drawing Rules
Any third cards are dealt automatically. There are no hit or stand decisions in Baccarat.
4. Compare Totals
The hand closest to 9 wins. Only the last digit counts, so a card total of 15 becomes a Baccarat total of 5.
Card Values
Ace
Aces count as 1.
2 through 9
Number cards count at face value.
10, Jack, Queen, King
All 10-value cards count as 0.
Last Digit Only
Totals wrap after 9. For example, 7 plus 8 equals 15, so the hand total is 5.
Payouts on This Table
Player
Pays 1 to 1 when Player wins.
Banker
Pays 0.95 to 1 after the standard 5% commission.
Tie
Pays 8 to 1 when the final totals match.
Push on a Tie
If the result is a Tie, Player and Banker wagers are returned.
Drawing Rules
When Third Cards Are Dealt
The game handles this table automatically. It is included so you can understand why a third card did or did not appear.
Player Rule
| Player Two-Card Total | Action |
|---|---|
| 0 through 5 | Draw |
| 6 or 7 | Stand |
| 8 or 9 | Natural: both hands stand |
Banker Rule When Player Draws
| Banker Total | Banker Draws When Player Third Card Is |
|---|---|
| 0, 1, or 2 | Any value |
| 3 | Anything except 8 |
| 4 | 2 through 7 |
| 5 | 4 through 7 |
| 6 | 6 or 7 |
| 7 | Stand |
If Player stands on 6 or 7, Banker draws on totals 0 through 5 and stands on 6 or 7.
Bet Comparison
Player, Banker, or Tie?
Baccarat has no card-play decisions after the bet. Banker and Player are the main even-money choices, while Tie is a much higher-variance wager. Previous results do not change the odds of the next independently dealt round.
Glossary
Baccarat Terms
Banker
One of the two dealt hands. A winning Banker bet pays after a 5% commission.
Player
The other dealt hand. It is a label, not necessarily the person using the game.
Natural
A two-card total of 8 or 9. No third cards are dealt when either side has a natural.
Shoe
The group of decks used to deal rounds. This game uses an eight-deck shoe.
Commission
The 5% deducted from Banker winnings, producing a 0.95-to-1 profit.
Push
A returned wager. Player and Banker bets push when the round ends in a Tie.