Tuesday 28th May 2024

Demystifying Baccarat Card Values: A Comprehensive Explanation

November 14, 2023 by John
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Baccarat, an elegant and straightforward card game, has captured the hearts of internet casino enthusiasts worldwide. While it’s known for its simplicity, the card values in baccarat can sometimes seem mystifying to newcomers. In this comprehensive article, we will demystify baccarat card values and provide you with a clear understanding of how they work in this classic casino game.

The Basics of Baccarat Card Values

In baccarat casino, the goal is to form a hand with a total value as close to 9 as possible. The card values in baccarat are straightforward:

  • Numbered Cards: Cards 2 through 9 are worth their face value. For example, a 5 of hearts has a value of 5 points.
  • 10s and Face Cards: Cards 10, Jack, Queen, and King are worth 0 points. These are collectively known as “tens” in baccarat.
  • Aces: Aces are worth 1 point.

Card Total Calculation

The total value of a baccarat hand is calculated by adding the values of the individual cards. However, there’s a catch: if the total value of a hand exceeds 9, only the second digit of the total is used. For example:

  • If you have a 7 of spades and a 6 of diamonds, the total is 13. In baccarat, you would only consider the second digit, so the total value of the hand is 3.
  • If your hand consists of 4 clubs and a 9 of hearts, the total is 13, which, when considering only the second digit, becomes 3.

This rule makes it impossible for a baccarat hand to have a value higher than 9, providing a unique and simple scoring system.

Player and Banker Hands

In baccarat, two primary hands are dealt: the player’s hand and the banker’s hand. The objective is to bet which hand will have a total value closer to 9. Let’s explore the rules for drawing additional cards, as they can affect the final values of the hands.

  • Player’s Hand Rules:
    • If the player’s initial hand total is 0-5, they must draw an additional card.
    • If the player’s initial hand total is 6 or 7, they stand and do not draw a third card.
    • If the player’s initial hand total is 8 or 9, it’s called a “natural,” and no additional cards are drawn. The player’s handstands.
  • Banker’s Hand Rules:
    • The banker’s actions depend on the player’s hand and the banker’s initial hand:
    • If the player stands (with a total of 6 or 7), the banker will draw a third card if their total is 0-5.
  • If the player draws a third card (with a total of 0-5), the banker’s action depends on the value of their initial hand:
    • If the banker’s total is 7, they stand.
    • If the banker’s total is 6, they draw a third card if the player’s third card is 6 or 7.
    • If the banker’s total is 5, they draw a third card if the player’s third card is 4, 5, 6, or 7.
    • If the banker’s total is 4, they draw a third card if the player’s third card is 2, 3, 4, 5, 6, or 7.
    • If the banker’s total is 3, they draw a third card if the player’s third card is anything except an 8.
  • If the banker’s total is 2, they always draw a third card.

These rules may seem complex, but in practice, they are automatically followed by the dealer or the game software, leaving you with the simple task of placing your bets.

Tie Bets and Payouts

In baccarat, you can also bet on a tie, meaning the player and banker’s hands will have the same total value. While tie bets offer higher payouts, they come with a much higher house edge, making them a riskier option. If a tie occurs, the payout is typically 8:1 or 9:1, depending on the casino.


Baccarat card values are fundamental to understanding the game and making informed betting decisions. With a clear grasp of the values of numbered cards, 10s and face cards, and aces, as well as the rules for calculating hand totals and drawing additional cards, you’re well on your way to enjoying this classic card game with confidence.

The beauty of baccarat lies in its simplicity, and now that you’ve demystified its card values and rules, you’re ready to experience the elegance and excitement of the game. Whether playing in a land-based casino or trying your luck at an online baccarat table, your newfound knowledge of baccarat card values will serve you well on your gaming journey.