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Baccarat has fascinated high-class gamblers for centuries. The game was said to have been invented in Italy by Felix Falguierein, a professional gambler, although some dispute this, saying that it is French in origin. In any case, baccarat was introduced to the French court in the 15th century, and soon became the game of the aristocracy. The name is taken from the Italian word "baccara", meaning zero, and refers to the game rule that all court cards have a value of zero. Baccarat was first played with tarot cards, and there is a legend linking it with the ancient Etruscan ritual of the Nine Gods.
Chemin de Fer, a variation of baccarat, also became popular in France. The original baccarat game evolved into what is now known as European Baccarat. The principles of play are the same in baccarat and chemin de fer, with just a slight difference in rules. In both games, the object is to score as close as possible to 9 by adding up the face values of the cards, and discarding the leftmost digit of the answer. In baccarat, the rules are more formal, and the game is always banked by the casino, although the deal passes from player to player. Players may choose to bet on the player, the banker or on a tie. Since a tie doesn't happen very often, ties win at much longer odds. read more

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.

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