• The banker and the player each draw two cards.
• If either the player or banker draw a total of 8 or 9, the hand automatically stands.
• If the player's total is 6 or 7, the player stands. If the player stands, the banker hits on a total of 5 or less. If the player's total is 5 or less, the player automatically hits and the banker gives the player a third card.
• If the player receives a third card then the banker draws a third card according to the following:
Banker's hand totals 0,1,2: Banker always draws a third card.
Banker's hand totals 3: Banker draws if Player's third card is 1-2-3-4-5-6-7-9-0 (not 8)
Banker totals 4: Banker draws if Player thirds 2-3-4-5-6-7
Banker 5: Banker draws if Player thirds 4-5-6-7
Banker 6: Banker draws if Player thirds 6-7
Banker 7: Banker stands.
• Once the final cards are dealt, the one with the total closest to 9 wins.
• A tie is possible and in this case all bets are returned
• There are only three baccarat betting options available, 'player', 'banker' and 'tie'
The following table shows when cards are drawn by either the player or banker hands. Use this guide when you play baccarat online as an easy reference.
| Banker's Score | Player's Third Card | |||||||||
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | |
| 7 | S | S | S | S | S | S | S | S | S | S |
| 6 | S | S | S | S | S | S | H | H | S | S |
| 5 | S | S | S | S | H | H | H | H | S | S |
| 4 | S | S | H | H | H | H | H | H | S | S |
| 3 | H | H | H | H | H | H | H | H | S | H |
| 2 | H | H | H | H | H | H | H | H | H | H |
| 1 | H | H | H | H | H | H | H | H | H | H |
| 0 | H | H | H | H | H | H | H | H | H | H |