Baccarat Casinos

Online baccarat is a card game where players bet on a Player, Banker, or Tie, aiming for a hand total closest to 9. Baccarat is a popular table game in New Zealand. You can play it online in many casinos. The game offers exciting gameplay online and can even be played by new players since it's easy to master. Additionally, to increase your winning chances, you can learn and master some effective strategies and choose between free and real money games.

✓ Relatively simple rules
✓ Practice strategies and bets in the demo version
✓ Most popular providers are Playtech, Pragmatic Play, and Evolution Gaming
✓ Suitable for players of all levels

  • Gambling Is Addictive
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Charlotte Wilson
Written by Charlotte Wilson
Oliver Singh
Edited by Oliver Singh
13 Min Read
Updated on Mar 12, 2025

Baccarat: Simple Game with Exciting Variations

Baccarat is perhaps one of the most prestigious gambling games offered by casinos. The game can be found in many online casinos, and it’s quite popular among high rollers due to the high stakes in some variations.

Baccarat is very simple. The player bets on one of two hands — the Banker or the Player. The game starts with the Banker dealing two cards for themselves and the player. The one whose hand is closer to 9 points wins. There are many variations of the game, as well. For instance, Punto Banco, the most common one, Chemin de Fer, where players take turns being the banker and have some decisions to make about drawing cards, Baccarat Banque, and others.

Online Baccarat Variations

Baccarat has been around for a very long time. This led to the emergence of different game variations and the popularity of online casinos. Today, you can find many other options in search of a more suitable game of baccarat.

Punto Banco

This is the main version of the game. Spanish title that originated in Cuba, where the game initially became very popular. If you see the name American Baccarat, it probably follows the same rules as Punto Banco. The croupier deals two cards for themselves and you. The goal is to bet on the winner, the one who collects a hand closer to 9 points. Cards from 2 to 9 have a face value, the ace is worth 1 point, and all other cards bring 0 points.

Chemin de Fer

Another popular version of Baccarat that you will often find in casinos in Europe. The terms are more related to the original baccarat played by the French nobles. When the banker loses a turn, the role of the banker is transferred to a new player. If the player's value is 5, they may draw another card or stop. If a player wins, they are paid 1:1 on their bet, and if luck is on the banker's side, they this keep the bets of the players. In this game mode, cards are dealt face-down.

Baccarat en Banque

The Baccarat Banque game is very similar to the Chemin de Fer version, but it is less common among players. The main difference is that instead of creating a new banker when the current banker loses, the banker makes the highest bet at the table. The player will remain a banker until they run out of money or all the dice and cards are used. The players can bat either on the "players" hand or the "banker" hand, yet the banker only bets on the "banker" hand.

Super Pan 9

Super Pan 9 is a mix of baccarat and traditional poker. In this variant, the numbers 7, 8, 9, and 10 are removed, the players are dealt a total of three cards, and they can even get a fourth card, all face down, including the banker, who will also be one of the players. After the banker decides whether to draw or stand, the cards are compared and counted as in the standard version of baccarat.

No Commission Baccarat (Super 6)

This variation of baccarat excludes the standard 5% commission when placing a bet on the banker's hand. The most common trade-off to compensate for the lack of commission in this situation is eliminating a specific banker's hand. For example, if the banker wins 6, instead of a usual 1:1 payout, you'll be paid 50% of the regular win.

Three Card Baccarat

Three Card is a simplified version of baccarat. Instead of being a possibility in certain situations, three cards are played as a standard draw in a variation of three-card baccarat. It is played with a single deck of 52 cards and usually has side bets. The main bet is won by counting the hand with more face cards. In the event of a tie, points are counted, and a regular win is declared.

European Baccarat

European Baccarat is the main type of baccarat you will usually find playing at online casinos in the UK and the rest of Europe. Unlike the American version, if the player has a combination of 5 in his hand, he can stop or request an additional card. The dealer also has the option to draw a third card from the deck if he wishes. However, the rest of the game resembles the American version.

How to Play Online Baccarat

Baccarat is a game with a long history. Some argue that it appeared in Italy, and the name comes from the word that means “zero.” Baccarat is interesting and full of tension and intrigue, but most importantly, it’s easy to master. Many players choose baccarat because it's not a game of skill, and the only decision you need to make, which also has a huge impact on your win, is to be a player or a banker. Therefore, baccarat is a good choice for newbies, as well as for experienced gamblers who just want to have some fun with a group of friends.

Baccarat Rules

In the beginning, bets are placed on whose hand will win (the Banker or the Player) or on a draw. Then, the croupier deals two cards face down or up (it depends on the choice of the group) for themselves and does the same for the Player. Each hand contains at least two cards but can never have more than 3. If the hand totals 8 or 9 points, it is considered natural, and the player does not draw any more cards. If the hand totals less than 5, then the player may draw another card or stop, which dictates the subsequent action of the banker. The one whose hand is closer to 9 wins.

Cards from 2 to 9 bring a respective number of points, while one and higher are worth 0. The player also can’t go over 9 points. For instance, if they have a hand with a pair of nines (18 points in total), 10 points are deducted from the score.

Baccarat Odds and House Edge

Understanding the house edge is crucial to making informed betting decisions when playing Baccarat. The game is often played with different numbers of decks, and this directly impacts the probabilities and house edge for each bet.

Player house edge Banker house edge Tie house edge
In an 8-deck shoe 1.06% 1.24% 14.36%
Single deck 1.01% 1.29% 15.57%
A shoe with six tiers 1.06% 1.24% 14.44%

The Best Online Baccarat Strategies

In the opinion of our experts, enjoying and, at the same time, controlling the situation is the best strategy while playing baccarat. Usually, many gamblers play in accordance with how they feel, and rely on their intuition and luck. There's nothing wrong with this approach, but there are also strategies for baccarat online that you can try out. For example, baccarat players can attempt strategies like card counting, which is one reason the game leaves blackjack behind. Apart from that, baccarat features 1:1 bets so that you can apply the following betting systems.

  • Martingale. This strategy implies doubling the bet every time you lose, but once you win, you return to the original bet. Some gamblers also use anti-martingale, where you double up after you win.
  • D’alembert. According to this system, you first need to set a betting unit, which is a certain bet amount (let’s say $1). Every time you lose, you increase your bet per unit, and you decrease it per 1 unit when you win.

Baccarat Software Providers

Kiwi players can play baccarat online in many casinos. Most online gambling platforms offer RTG games, including baccarat, which allows you to play the game with a computer, as well as live dealer games, which reflect the atmosphere of land-based casinos with real croupiers and players. Here is the list of best developers of such games, that provide smooth and exciting gameplay for you.

Playtech

Playtech is one of the olds of the industry. The provider applies modern technological solutions to each game, making them stand out from other products in the industry. The developer offers many baccarat options, including games with live dealers from all over the world. All games by Playtech are known for their high quality, customisable table views, VIP tables, and high-quality dealer streams. Some of Playtech's most popular baccarat tiles include Prestige Baccarat, VIP Baccarat, and Mini Baccarat.

Pragmatic Play

Cutting-edge games and a solid software platform make Pragmatic Play the top choice among online casino operators worldwide. Though the provider is known for offering a wide choice of pokies, it also develops baccarat games, including RNG variations and live dealer games. You must've certainly played in Speed Baccarat, No Commission Baccarat, Live Baccarat, and other titles by Pragmatic. Besides, all games by Pragmatic can also be played on any device, including mobile phones and tablets.

Evolution Gaming

Evolution Gaming is the industry leader in live dealer games. Besides, it also offers multiple baccarat variants with live courtiers from all over the world. It develops such baccarat titles as Live Baccarat, Lightning Baccarat, and No Commission Baccarat. The quality of the game streams is impressive, with multi-camera angles, top-tier pictures and nice and professional dealers. The gameplay also offers side bets and interactive UI to make the gambling experience of the player even more engaging

Baccarat Pros & Cons

Baccarat is a popular card game in many online casinos. Let's highlight its main pros and cons to see what to expect from playing the game.

Pros
  • Has many variations
  • Offered in many online casinos
  • Has live version
  • Low house edge
Cons
  • Comission on banker wins

BetPokies' Top Tips for Mastering Baccarat

In baccarat, there's not much depending on your skills, since it's a game of odds and luck. However, our author, Charlotte Wilson, has prepared some tips you should remember while playing baccarat.

  • Never bet against a streak in baccarat, especially when one side (Player or Banker) has won several hands in a row. Streaks can last longer than expected, and betting against them too early can lead to significant losses. If you want to bet against a streak, wait until it's over.
  • Avoid side bets. While side bets offer large rewards, they have a much higher house edge, meaning they occur less frequently and are less likely to result in a win. Instead, it’s better to stick with the Banker or Player bets, which have better odds and a lower house edge, giving you a higher chance of winning over time.
  • Do not increase your bets after a losing hand. You should build your winnings gradually rather than risking more money in an attempt to recover losses. By increasing bets only when you're ahead, you protect your bankroll and avoid the emotional trap of trying to recoup losses, which can quickly lead to even bigger losses.
While there are tips that may help you get bigger winnings in baccarat, I also want to emphasise the importance of responsible gambling. From my personal experience, I think it's important to know when to stop. For instance, you should take a break if you feel like the shoe is ugly or when the general vibes at the table are bad. Also, do not get influenced by other players at the table, and it's better not to play if you are feeling emotional and all over the place, as you may lose control and spend much more money than you expected. A key to a great play is remembering that you are playing for fun and not for money, so do not do anything that can ruin fun for you.