If you’re new to this captivating card game or even a seasoned player looking to improve your skills, the casino game Baccarat can be a great game to win. Baccarat has a rich heritage that dates back centuries. It is believed that its origins date back to medieval Italy and that it gained popularity among the French nobility later on. Over the years, it has evolved into a thrilling game of chance and strategy. In Malaysia, the game is extremely popular among gamblers, especially the baccarat game’s interesting rules. 

Whether you’re a curious beginner or an avid gambler, understanding the Baccarat rules and terminology is crucial. Learning the Baccarat rules will empower you to make informed decisions and play with confidence.

Baccarat Rules

How to Play Baccarat

Step 1: Place Your Bets

Before the game begins, you need to place your bets on either the banker’s hand, the player’s hand, or a tie. You can bet on one or multiple outcomes. Once the bets are placed, the dealer will begin dealing with the cards.

Step 2: Receive Initial Cards

The dealer will deal two initial cards to the banker’s and the player’s hand (as known as a coup). 

Step 3: Third-Card Rule

Step Three: The Third-Card Rule If the total value of a player’s or banker’s initial two-card hand is eight or nine, this is known as a “natural,” and no further cards are drawn. However, according to the third-card rule, a third card may be drawn if the total value of either hand is five or less.

Step 4: Determine the Winner

After all the cards are dealt, the hand with a total value closest to nine wins the game. If you bet on the winning hand, you will receive a payout based on the bet you placed. If it’s a tie, bets on the tie will be paid out, and bets on the banker’s or player’s hand will be returned.

Step 5: Announce the Winner and Distribute the Money

  • The dealer will announce the winner and distribute any winnings.
  • Both banker and player wagers pay out at odds of 1:1, but banker wagers carry a 5% commission.
  • Even money wagers yield 8:1.

It’s important to note that Baccarat is usually played according to specific casino rules, and the dealer will handle all the card dealings and payouts. Make sure to familiarize yourself with the specific rules of the casino or online platform you are playing at before placing your bets and playing the game.

Understanding Baccarat’s Objective

The game aims to obtain a hand as close as feasible to nine. The winning hand is the one that comes closest to nine. However, it is essential to remember that a hand cannot exceed nine in Baccarat. 

Understanding the Value of Cards in Baccarat

In Baccarat rules, the value of cards is different from other traditional card games. Cards 2 through 9 are worth their face value, meaning a 2 of hearts is worth 2 points, a 7 of spades is worth 7 points, and so on. However, the value of 10s, Jacks, Queens, and Kings is zero, while the value of Aces is one.

The Role of the Banker and Player in Baccarat

You can wager on the banker’s or player’s hand in the baccarat card game. These are simply alternative names for the two potential game outcomes. 

The Third-Card Rule in Baccarat

As we mentioned before, one of the unique aspects of Baccarat rules is the third-card rule. It determines whether a third card is drawn based on the total value of the initial two cards dealt to the player and banker. The third-card rule adds an element of strategy to the game and can impact the outcome.

The dealer draws based on the third card of the player. 

  • If the player drew two or three, the dealer will draw 0-4 and stand 5-7.
  • If the player got a four or a five, the dealer gets 0-5 and stands on 6-7.
  • If the player drew a six or a seven, the dealer will draw 0-6 and stand on 7.
  • The dealer draws with 0-2 and stands with 3-7 if the player draws an eight.
  • If the player receives an ace, 9, 10, or face card, the dealer draws 0-3 and stands with 4-7. 

Differences between Baccarat and Other Casino Games

Baccarat stands out from other casino games due to its distinct rules and gameplay. Unlike games like Blackjack or Poker, Baccarat is a purely luck-based game with straightforward rules and no complex strategies to master. 

  • The baccarat game is simple, with predetermined rules, so it’s easy to learn.
  • Compared to other casino games, baccarat typically has a lower house edge (1-1.5% for banker bets).
  • A purely chance game, Baccarat requires no skill or strategy.
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The Terminology of Baccarat

Key terms and phrases you should know in Baccarat:

  • Banco: The Spanish term for “bank” or “banker” is “banco.” It refers to the player in Baccarat who controls the shoe and distributes the cards.
  • Banker Bet: One of the three available bets in Baccarat is the Banker Bet.
  • Banque: A Baccarat variant played at two conjoined tables.
  • Bankroll: The money a player plans to spend on gambling and is willing to lose.
  • Burning: The top three to six cards are discarded immediately after shuffling and before starting a new game.
  • Coup: A Baccarat round with one banker hand and one player hand.
  • Croupier: The French term for a Baccarat dealer.

Examples of Baccarat terminology in a game

  • “I’ll bet $100 on the Banker’s hand.”
  • “The Player’s hand has a total of 7, and the Banker’s hand has a total of 5, so the Player wins.”
  • “It’s a Tie! The bets on the Tie payout at 8 to 1.”

Differences between American and European Baccarat terms

The European version of Baccarat differs from American Baccarat in two key ways. Firstly, players can stand or draw when their hand totals 5. Secondly, the banker can request a third card or not.

In European Baccarat, the banker’s hand is funded by the casino. If a player wishes to cover the banker’s bet, they must call out “banco”, indicating that other players can no longer make bets during that particular round.


Understanding the basics, baccarat rules, and terminology is essential for players to enjoy and potentially succeed fully. It’s important to grasp concepts such as the third-card rule, different bet types, and the house edge. Baccarat knowledge also allows players to participate in the game with proper etiquette and customs. There are some online Malaysian casinos where you can start playing and win big. 

FAQs about Baccarat Rules

1. What is Baccarat?

Baccarat is a popular card game played in Malaysian casinos, where players bet on the outcome of the hand.

2. How do I play Baccarat?

To play Baccarat, players place bets on either the Player, Banker, or Tie hand and the hand with a total closest to 9 wins.

3. What is the third-card rule in Baccarat?

The third-card rule in Baccarat rules is a set of predetermined rules that determine when a third card is drawn for the Player or Banker’s hand.

4. What are the odds of winning in Baccarat?

The odds of winning in Baccarat depend on the bet type, with the Banker bet having the highest odds of winning.

5. Can I use a strategy when playing Baccarat?

Players can use strategies such as the Martingale or Fibonacci system in Baccarat. It is important to practice and know how to apply the strategies, or else you may lose your money.

6. What is high-stakes Baccarat?

High stakes Baccarat refers to games with higher bet limits, often attracting high-rollers and players with larger bankrolls.

7. Can I play Baccarat online?

Yes, Baccarat can be played online at many online casinos. Many Malaysian casinos allow you to play games and win money.

Peter Sears

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