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The rules of baccarat are basic and simple to follow. Once you learn it's easy to remember and you can feel completely comfortable sitting at any baccarat table or mini baccarat table at the casino, or playing online. In some casinos players can play the game for free before playing for real money.
As the player you are given the choice of either betting on the banker hand winning, the player hand winning, or a tie between the two. Two cards are dealt to the player and the banker. If the hand you're betting on wins, you win even money. Even money bets are 1 to 1, meaning if you bet five dollars, you're paid back the five plus five more, so your profit is equal to your bet. If you bet on a tie and it turns out to be one, you're paid 8 to 1.
The goal of your two-card hand is to try and have a total that is close to 9. Tens and face cards count as zero, with the exception of the ace, which is worth 1. Cards 2through 9 are worth their face value. There is really only one tricky part: although there is no such thing as a 'busting hand' as in blackjack, when your initial card total is a two digit number, the first digit is dropped. Say you are dealt a pair of sevens - the total is 14, but the count is set to 4, as the leading 1 is arbitrarily dropped.
If the first two cards of a hand total 8 or 9 the hand is declared a 'natural' and wins (unless there is a tie between two naturals). If the total is not a natural win on either hand, another card is drawn for each hand to determine the winner. Winning banker hands are usually taxed 5 percent by the casinos.

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Banker Point Value of First Two Cards: Draws when the player’s third card is: Does not draw when the player’s third card is: 0 – 1 – 2 Always draws a card. 3 0 – 1 – 2 – 3 – 4 – 5 – 6 – 7 – 9 8 4 2 – 3 – 4 – 5 – 6 – 7 0 – 1 – 8 – 9 5 4 – 5 – 6 – 7 0 – 1 – 2 – 3 – 8 – 9 6 6 – 7 0 – 1 – 2 – 3 – 4 – 5 – 8 – 9 7 Always stands. 8 – 9 Player cannot draw. Player cannot draw. At first the value of the cards might seem a little odd, but it's really simple to understand. In Baccarat you always have to keep in mind that the fist digit in a two-digit number does not count. That is why the Ten, Jack, Queen and the King count 0 and the Ace only one. This is not only the case with single card values but also with the result of two cards combined. So if you draw an eight in baccarat and a three, for instance, the value of both together would be eleven but since the first digit does not count your hand counts only one.

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