Baccarat Variations – You may not be familiar with the many variations of baccarat games available online, and the concept of what constitutes ‘true’ baccarat varies from person to person.
Although the list of baccarat variations below may seem extensive, the truth is that most of these games are similar in their core game mechanics. Instead, there are subtle changes in the game rules of each variant that you should familiarize yourself with before visiting the online baccarat tables.
Baccarat Variations
Scroll down or click on the links below to go directly to the baccarat game of your choice:
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Punto Banco is one of the most popular Baccarat variants, commonly found in America, Britain and Australia. A major change in the dynamic game at Punto Banco is that players bet with the dealer, similar to how players play against the dealer at a blackjack table.
In this exception, players must try to make a hand equal to nine and higher than the banker’s hand before it goes over nine. The card values at Punto Banco are similar to classic baccarat. Face cards are worth zero, while Aces are worth one point. All other cards are given their face value.
Regarding betting options in Punto Banco, players can bet Punto (Player), Banco (Bank) or Eagleite (Tie). A winning punto bet pays 1:1, while a winning banco bet pays 95:100, minus a 5% house commission. A winning Egalite bet pays 8:1.
The Chemin de Fer version of baccarat is one of the oldest recorded formats of this classic game, with examples of the Chemin de Fer dating back to the French Napoleonic era. It was the most popular option for those who want to play without a gaming bank. After its success in France, Chemin de Fer soon found its way to places in Britain and America.
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Chemin de Fer is one of the most popular baccarat variants. This is a version you may have seen in the old James Bond movies, where the players bet each other instead of the bankers. Players take turns as bankers, shown clockwise to the dealer’s right. Before each hand is dealt, the banker places a bet on the table and each player can choose to call ‘banco’ by going all in against the bank or by betting separately.
If multiple players call ‘banco’, the player to the banker’s right is labeled ‘banco prime’. If no player calls ‘banco’, and the other players’ bets do not match the size of the banker’s original bet, the bets must be settled with the players watching the action. If the player’s bet is worth more than the banker’s original bet, the banker must increase their original bet or issue an additional bet.
If a player’s total is greater than the bank’s after all cards have been dealt, players are paid at a 1:1 ratio. If the result is a tie, all bets are left on the table for the next hand. If the banker’s hand is the highest value, all bets of the losing player are deducted by the banker of that hand.
Mini Baccarat is one of the most popular table games you will find in Las Vegas. This is a shortened, modified version of the full game, played using eight decks. Players can still bet on Player, Banker or Tie. In Mini Baccarat, the dealer is solely responsible for changing the card shoe, unlike Chemin De Fer and Baccarat Banque (more on those exceptions soon).
Baccarat Card Game
In addition to Player, Banker and Partnership bets, Mini Baccarat players can side bet on the ‘Dragon Bonus’. The Dragon Bonus pays out if your selected hand is ‘natural’ or if the selected hand wins by at least four points. A natural hand in baccarat is a two card hand worth eight or nine.
Guest contributor Heather Ferris demonstrates how to play in one of her Vegas Aces videos:
Backert Bank was designed in France as a popular alternative to the original Chemin de Fer. It gave players the opportunity to play with a dedicated bank. In fact, Baccarat Banque was the first of the baccarat variations to feature a banker that is still played both land-based and online today.
Unlike many other types of baccarat, bank baccarat is played with only three decks of cards. This is a big difference compared to the six or eight decks used in Punto Banco and Chimin de Fer.
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The game is similar to Chemin de Fer, except that players don’t play alone and instead take turns to make a hand to beat the banker. Additionally, the player designated as ‘banker’ for each round is not obliged to place the bets of all other players.
If you’re new to Baccarat and want an easy version from day one, be sure to give Dragon Tiger a spin. It is designed as a two-card variation of Baccarat. We do not mean that the banker and the player are dealt two cards. One card is given to ‘Dragon’ and one card is given to ‘Tiger’. It is up to you to decide whether the Dragon or the Tiger will have the highest value card.
It is said to have originated in the Far East and the dragon tiger, making it one of the most attractive baccarat varieties. A winning bet on Dragon Tiger pays out at 1:1 odds, with a house edge of 3.73%. Combined bets pay out at odds of 8:1 but this bet carries an incredible house edge of 32.77%. Additional side bets can be placed on the odds of a good combination at odds of 50:1 or on whether the card will be high or low (a number higher or lower than seven).
This is also a good time to compare the differences between European baccarat games and American baccarat games, such as Punto Banco. European types often give players the option to stand hands or draw another card of up to five value. The banker can also decide whether to take the third card or not.
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In European baccarat, the banker’s hand is specially covered. Once the banker’s bet amount has been covered by the bettors, all other players are not given the opportunity to bet.
Macau is now considered the capital of the world, surpassing Las Vegas in terms of annual revenue in the last few years. This autonomous region on the coast of mainland China has its own version of Baccarat that attracts millions of tourists to its resorts every year. In fact, Baccarat is the main driver of income in the city.
Macau Baccarat is designed to work in the same way as Punto Banco. Players play heads with the dealer, trying to make a hand of nine from two or three card hands. In terms of revenue, Las Vegas slot machines are said to make up about four-fifths of the city’s gambling profits. Meanwhile, in Macau, Baccarat accounts for nearly nine-tenths (88%) of total gambling revenue – a clear demonstration of its appeal to the ‘Vegas of the East’.
There is a big difference between commission and non-commission baccarat games. Commission paying tables force players to pay the house 5% of their winnings on each successful bankroll bet.
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No-Commission baccarat tables pay winning banker bets at a ratio of 1:1 instead of 95:100 – significantly reducing the house edge on this popular bet.
Some on the internet are known to offer ‘continuous’ baccarat tables. These games offer continuous betting, with a high potential payout.
For example, some baccarat tables have a progressive bet known as ‘triple match return’. This is known to eat into the game’s Return to Player (RTP) percentage, but if you’re someone who enjoys fighting for big wins it might float your boat.
A three match return bet requires you to use 3 – 3 – 3 diamonds. If this happens when you place a bet on the progressive side, you will win the jackpot amount shown.
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You also have to decide whether you want to play traditional baccarat games online or hosted in real time by live dealers. Live games are often presented in the same way as brick-and-mortar games. The only difference is that they are online and later some procedures may be different. This brings up the old saying, everyone is different. They all have different policies and procedures but, in general, the core baccarat gameplay remains the same.
The biggest call you can make is the speed of your baccarat play. Live dealer games with lots of human players at your table will often slow hands down by the hour. This is because the dealer has to give each player time to play and place bets. If you’re pressed for time, online baccarat games powered by independently verifiable random number generators (RNGs) can provide you with a reliable alternative if you’re not looking for an authentic world-based experience.
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