How to Play Baccarat and Win – Your Player’s Gaming Guide 2024

If you are new to online gambling or indeed the game of baccarat, then our guide is here to help you learn how to play baccarat online game options inside the best New Zealand casinos. We discuss the betting, the odds and the ways you can win with tactical strategies used by professional players.

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How to Play: Casino Baccarat Rules

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We are hitting the facts of play immediately, no build up here, so let's jump right into this with our guide on how to play baccarat.

Banker vs Player

With the game of online baccarat, any number of people can play and each person at the table is dealt two cards. Your objective is to beat the banker's hand with your two cards. The highest winning score is 9. You can bet whether you or the banker are going to win the round being played, with the additional option of betting on a possible tie.

Table Layout

There is nothing complex about the layout of the baccarat table. There are a number of different styles, but the core sections are copied throughout.

You have sectioned areas for each player taking part to place their cards in. The player sections are numbered to denote how many can take part at any one time. Above the player's number, you have an area you'll place your chips in if betting on yourself. Above this section there is a space marked Banker, this is where your bets are placed if you think the house is going to win the round. Above this is the section marked Tie to place your bets on a game draw.

The house chips are usually kept above this area with the shoe of cards to the side of the dealer.

With virtual machines, the layout is the same and your function buttons and chips are laid out along the bottom of the table.

Betting Options

There are three betting options in the game of baccarat and it's this different approach that makes it a totally unique card game. Baccarat allows you to bet for yourself, against yourself and for the banker/dealer and to bet on a tie.

The Banker Bet: The banker bet, in some casinos, comes with a commission of usually 5%. The odds are better to the dealer with the house edge being so small at 1.06%. Making the smarter bet means that if you win 5% goes to the house. This is why the game has such huge notoriety with the rich and wealthy because those commissions could be afforded to be paid out from the winnings with no major dent in the profits by the end of a game.

Player Bet: The player bet comes with a higher risk than the banker bet. The house edge on this comes to about 1.24%.

The Tie: One of the betting options that most players tend to avoid is the one for calling a tie. The odds are about 15.75%, which means that you could be waiting a long time to see this come up in a session.

Rules of Baccarat Game

The majority of online games in the category of baccarat are the virtual machines. This is because the majority of online casinos available in the NZ market hold more virtual formats than baccarat.

Here is how simple the game is to get started and play.

Virtual Baccarat

Baccarat is either available in gaming menus under the category of table games or specialty.

  • Load up the game of baccarat.
  • You will be presented with the table.
  • Chips are below the table with various values.
  • Place a wagering bet and click Deal once ready to confirm your bet and play.
  • The virtual machine will deal your first card.
  • Click Deal to reveal the Bankers.
  • The game will auto tally the scores, so you know where you stand.
  • Click Deal for your 2nd card and again to reveal the dealer's 2nd card.
  • If you beat the dealer to the higher number, you win.
  • If you cannot beat the dealer's value, then you lose.

The rules of baccarat are not just confined to how you can bet, but more importantly, it's down to knowing the values of the cards. This is not your typical card game. With blackjack and poker, cards retain a stringent value in their ranks. Baccarat tears up the rule book on this to make the game wholly different.

Card Values

With every other card game out there, there is a specific order and ranking that leads to cards have a certain value.

Typically, an Ace card can be selected as a value of 1 or a value of 11. Not in baccarat! The Ace only retains the value of 1 in this game.

When it comes to the card 10, associated with it is a face value of 10, but as no total hand can be over 9, the 10 card has a value of zero!

Next, are the power cards, the Jack, the Queen, and the King. These face cards have no value in baccarat and as such, like 10, their value is zero!

Card Values: 3rd Card Rule

As a side note to the types of betting and card values, indeed you wager your claim prior to the cards being dealt. If, however, you are in a position that your hand is at a total value of 5 and under, you are eligible to receive and additional card. Remember no total can be higher than 9. Therefore, if a player, for example, has 3 and 9, this equals a score of 12, but in baccarat, your score is 2 and you win or lose if the dealer's hand is lower or higher.

Baccarat Card Counting Strategy

In the eyes of casino baccarat rules, card counting is not actually illegal. However, do not get your hopes too high as the actually of it working is zero. It is not possible to count cards in any gaming capacity online - 1) It is unknown how many decks are in the casino's shoe and 2) Virtual games work of an algorithm program which could mean there are 1000 decks in a shoe.

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Baccarat Strategy

When it comes to baccarat rules and strategy is there any loophole that allows you to win the game more frequently than the dealer? Well, there are a number of baccarat game strategy techniques that have been used across a number of other casino games like roulette and blackjack. Here are some basic tips regarding the game, before we focus on the three main baccarat strategy system methods that could boost your profits.

Top Tips

  • Choose banker bet every time because the game is always in the banker's favour.
  • Do not waste any money place tie bet wagers. These are so rare, so don't fall for the high odds trap.
  • The higher the deck count the more it has an effect on the house edge, so check this before selecting the game to play.
  • Variant games come with side bets, though they are not always profitable so best avoided.
  • Get more wallop in your account wallet by claiming casino bonuses to boost your finances to help you play longer games.

Baccarat Betting Strategy

The first strategy we are exploring is the 1 - 3 - 2 - 4 Strategy.

To simply break this down and explain this, the strategy is a multiplier progression method

Your first wager will be the base value of your bet, say $1.

Bet $1 - Win - Bet $3 - Win - Bet $2 - Win - Bet $4.


Bet $1 - Win - Bet $3 - Lose - Bet $1 - Win - Bet $2.

Another progression strategy is the Martingale system and it works like this.

Bet $1 - Win - Bet $2 - Win - Bet $4 - Win - Bet $6 - Lose - Bet $1 - Win - Bet $3 - Win - Bet $4

The Martingale system is about doubling bets each time until you lose, and you start over again.

There are many systems out there that work on the principle that if you're going to lose, do it when the wager is low and if you are going to win, do it at the highest wager value.

A safer strategy would be to only increase the wager when you win.

Bet $1 - Win - Bet $2 - Lose - Bet $1 - Win - Bet $2 - Win - Bet $3 - Lose - Bet $1. You Increase one unit per win and revert back to the lower unit when you lose.

Odds and Payouts

Covering all possible payouts that are found throughout all baccarat gaming variants and with them the odds of winning against the house edge.

Player Bet

The Payout: 1 to 1

The House Edge: 1.29% with a Single Deck and 1.24% with a 6-Deck.

Outcome: You have beaten the banker to get closest to 9.

Banker Bet

The Payout: 19 to 20 (5% commission)

The House Edge: 1.01% with a Single Deck and 1.06% with a 6-Deck.

Outcome: You have lost to the banker as they came closest to 9.


The Payout: 8 to 1

The House Edge: 15.75% with a Single Deck and 14.44% with a 6-Deck.

Outcome: You and banker have drawn the same total and the game is tied as a draw.

Player Pair

The Payout: 1 to 1

The House Edge: 11.25%

Outcome: You have drawn a pair from the first two cards.

Banker Pair

The Payout: 11 to 1

The House Edge: 11.25%

Outcome: You lose to the banker as their first two cards have made a pair.

Perfect Pair

The Payout: 25 to 1

The House Edge: 17.07%

Outcome: You or the dealer have managed to land a pair with a matching suit.

Either Pair

The Payout: 5 to 1

The House Edge: 14.54%

Outcome: A pair is made by either your or banker with the first two cards.


The Payout: 1.5 to 1

The House Edge: 5.27%

Outcome: Only a total of 4 cards can be drawn in the game.


The Payout: 0.54 to 1

The House Edge: 4.35%

Outcome: At the highest point 5 or 6 cards can be drawn in a baccarat game.

FAQ: Top Baccarat Questions Answered

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How to play baccarat and win

Winning at baccarat is down to how you bet. You can bet for yourself to win, or you can bet the dealer will win. There is the option of a tie, but this is not advised. The winner is the one that comes closest to 9 as a total.

What baccarat strategy is the best?

Ultimately, the best form of strategy is practicing the game. With more virtual games than live ones, free demo games allow you to practice on the very same games the casinos provide for real money win. Using these free baccarat games means you can learn rules and strategies.

Is it possible to count cards in baccarat?

It is not possible to count cards in baccarat or any other card game. Too many decks are used, and shoes are replaced frequently to deter card counters. Even though no-one will see you counting cards, the changes happen to frequently to be of any effect.

Still not sure where to start? Check out what we have to say in our Baccarat guide:

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