Baccarat Variations
There are numerous variations of baccarat games available online, and everyone’s perception of what constitutes ‘true’ baccarat varies.
While the list of baccarat variations below may seem extensive, the reality is that most of these games share similar core mechanics. However, there are some subtle variations in the game rules for each variant that you should familiarize yourself with before playing at online baccarat tables.
Scroll down or click on the links below to navigate directly to the baccarat game you prefer:
- Punto Banco
- Chemin de Fer
- Mini Baccarat
- Baccarat Banque
- Dragon Tiger
- European Baccarat
- Macau Baccarat
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Punto Banco
Punto Banco is a highly popular version of baccarat that can often be found in casinos in the United States, United Kingdom, and Australia. One of the major differences in Punto Banco is that players bet against the dealer, similar to how players compete against the dealer in blackjack.
In this particular variation, players aim to create a hand that is as close to nine as possible, while still surpassing the value of the banker’s hand. It’s important to avoid going over nine or going bust. The card values in Punto Banco mirror those of traditional baccarat. Face cards have a value of zero, while Aces are worth one point. All other cards retain their face value.
As for the betting choices in Punto Banco, players have the option to wager on the Punto (Player), the Banco (Bank), or Egalite (Tie). Punto bets that win will pay back at a rate of 1:1, while winning Banco bets will pay back at a rate of 95:100, with a commission of 5% deducted for the house. Winning Egalite bets pay out at a rate of 8:1.
Chemin de Fer
The Chemin de Fer variation of baccarat is one of the oldest documented formats of this classic game, with instances of Chemin de Fer being found during the era of Napoleon in France. It became a popular option for those who wished to play without the bank involved. After achieving success in France, Chemin de Fer quickly made its way onto the casino floors in Britain and the United States.
Chemin de Fer is a well-known variation of baccarat that is often featured in classic James Bond movies. In this version, players place bets against each other instead of the banker. The role of the banker rotates in a clockwise manner, starting to the right of the dealer. Before each hand is dealt, the banker places a bet on the table, and each player has the option to either call ‘Banco’ by going all-in against the banker or place a different bet.
If multiple players decide to call ‘Banco’, the player to the right of the banker is designated as the ‘Banco prime’. If no players call ‘Banco’, and the bets made by the players do not cover the amount of the banker’s original wager, the bets must be covered by spectators who are observing the game. If the player bets exceed the amount of the banker’s original wager, the bank must either increase its initial bet or remove the excess wagers.
If the sum of the players’ card values is greater than the sum of the banker’s card values, the players will be paid out at a ratio of 1:1. In the event of a tie, all bets will remain on the table for the next hand. If the banker’s hand has the highest value, the banker will absorb all the losing player bets for that hand.
Mini Baccarat
Las Vegas offers a variety of popular table games, and Mini Baccarat stands out as one of the favorites. This game is a condensed version of the full game and is played with eight decks. Players can still place bets on the Player, Banker, or Tie. In Mini Baccarat, the dealer is responsible for shuffling the card shoe, unlike in Chemin De Fer and Baccarat Banque (more on that variant shortly).
In addition to the traditional bets, Mini Baccarat players have the option to place side bets on the ‘Dragon Bonus’. This bonus pays out if your chosen hand is a ‘natural’ or if the selected hand wins by four or more points. In baccarat, a natural hand refers to a two-card hand with a value of eight or nine.
Heather Ferris, a guest contributor for Casino.com, provides a helpful demonstration of how to play this exciting game in one of her Vegas Aces videos.
Baccarat Banque
Baccarat Banque, created in France as an alternative to the original Chemin de Fer, has become a popular choice for players looking for something different. This version allows players to play with a dedicated banker, making it unique. Baccarat Banque was actually the first variation of baccarat to include a banker, a feature that has remained popular in both land-based and online casinos to this day.
One of the main differences between Baccarat Banque and other variations is the number of decks used. While most other versions use six or eight decks, Baccarat Banque is played with only three decks of cards.
The gameplay is similar to Chemin de Fer, but with a twist. Instead of playing against each other, players take turns building a hand to beat the banker. Unlike other versions, the player designated as the ‘banker’ for each round is not required to cover all other player bets.
Dragon Tiger
If you’re brand new to Baccarat and you’re looking for an easier version to start playing right away, give Dragon Tiger a try. It was created as a simplified variation of Baccarat where only two cards are dealt. Not to the banker and player, as in traditional Baccarat, but one card to the ‘Dragon’ and one card to the ‘Tiger’. It’s your decision to make whether the Dragon or the Tiger will hold the card with the highest value.
Dragon Tiger is a baccarat variation that is said to have originated in the Far East. It is considered one of the more difficult variations to find. When placing a winning bet on Dragon Tiger, the payout is at odds of 1:1, with a house edge of 3.73%. However, if you decide to bet on a Tie, the payout increases to 8:1, but the house edge becomes a massive 32.77%. In addition to these bets, there are also side bets available. You can place a bet on the likelihood of a Suited Tie, which pays out at odds of 50:1. Another side bet is whether a card will be Big or Small, with “Big” meaning over seven and “Small” meaning below seven.
European Baccarat
Now is the perfect moment to analyze the distinctions between European Baccarat games and American Baccarat games, like Punto Banco. European versions usually provide players with the choice to stay with their current hand or to draw another card as long as the total value remains below five. Additionally, the banker has the decision to take a third card or not.
One significant difference in European Baccarat is that the casino solely covers the banker’s hand. Once the players’ wagers have covered the value of the banker’s bet, no further bets can be placed by the remaining players.
Macau Baccarat
Macau has assumed the title of the world’s casino capital, surpassing Las Vegas in terms of annual revenue several years ago. This self-governing region located off the coast of mainland China showcases its own interpretation of Baccarat, an immensely popular game that draws millions of tourists to its opulent resorts each year. Baccarat, in fact, is the main catalyst behind the city’s casino earnings.
Macau Baccarat operates in a similar manner to Punto Banco, pitting players against the dealer in a one-on-one match with the objective of building a hand as close to nine as possible using two or three cards. When considering the city’s gambling revenue, it is estimated that Las Vegas slot machines contribute around 80% of the total. In contrast, Baccarat in Macau accounts for nearly 90% (88%) of the overall gambling revenue, illustrating its irresistible allure in the ‘Vegas of the East’.
Other Things to Consider at the Baccarat Tables
Commission vs non-commission Baccarat tables
The distinction between commission and non-commission Baccarat tables is significant. Commission tables require players to pay 5% of their winnings to the house for each successful Banker bet.
On the other hand, non-commission Baccarat tables pay out on winning Banker bets at odds of 1:1 instead of 95:100, thus significantly reducing the house edge on this popular wager.
Progressive Baccarat games
Certain online casinos offer unique Baccarat tables that feature a progressive element. With these games, players can make a progressive wager that holds the potential for a significant payout.
One example of a progressive bet is the ‘Triple Match Return’ option available on select Baccarat tables. While this bet may slightly reduce the game’s return to player (RTP) percentage, it presents an exciting opportunity for those who enjoy chasing big wins.
To participate in the Triple Match Return bet, players must receive a hand consisting of three diamonds. If this rare occurrence happens after placing the progressive side bet, they have the chance to win the displayed jackpot amount.
Live dealer vs standard online Baccarat games
You also need to consider whether you want to play traditional online Baccarat games or the ones that are hosted in real-time by live dealers. Live casino games are generally dealt with in a similar way to games played in a physical casino. The only distinction is that they are online and therefore some procedures may vary. This raises the timeless saying that every casino is unique. They all have different policies and processes, however, the core gameplay of Baccarat remains unchanged.
When it comes to playing Baccarat, one of the key decisions to make is how fast you want the gameplay to be. If you opt for live dealer games with other players at your table, you can expect the pace to be slower as the human dealer needs to allow each player enough time to make their moves and place their bets. However, if time is of the essence, you may consider trying online Baccarat games that are handled by independently verified random number generators (RNGs). While they may not provide the same authentic feel as a land-based casino, they can offer a viable alternative on your desktop or mobile device.
Did you know?
In addition to the different types of baccarat, players also have the chance to enjoy games like Prestige Baccarat on live baccarat tables, where they can watch action replays of their winning hands. Another option is Grand Baccarat No Commission, where the casino doesn’t take a commission on Banker wins.
