TL;DR — Key Summary (50-Second Read)
In baccarat, two hands are dealt: Player and Banker. The hand closest to a total of 9 wins. Aces count as 1, tens/faces count as 0, and 2-9 retain pip value. Hands over 9 drop the tens digit.
Card Values in Baccarat
| Card | Numeric Value in Baccarat | Example Combination | Total Value |
|---|---|---|---|
| Aces | 1 point | Ace + 6 | 7 points |
| 2 through 9 | Face value (2-9) | 5 + 3 | 8 points (Natural Win) |
| 10s, Jacks, Queens, Kings | 0 points | King + 9 | 9 points (Natural Win) |
| Totals Exceeding 9 | Drop tens digit | 7 + 8 = 15 | 5 points |
The Third Card Rule Simplified
If either Player or Banker has an 8 or 9 on their initial two cards, it is a 'Natural' and the round ends immediately.
If Player has 0 to 5, Player draws a third card. If Player stands on 6 or 7, Banker draws on 0 to 5 and stands on 6 or 7.
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Frequently Asked Questions (FAQ)
What is the highest possible hand in baccarat?
A Natural 9 is the strongest possible hand in baccarat.
Do I have to calculate third-card rules myself?
No! In live dealer baccarat, the professional dealer and automated software manage drawing rules flawlessly.
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