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Microgaming live baccarat rules

All variations played with eight standard decks of 52 cards. The decks are shuffled after every game. The games are played with a live Dealer. Each game is assigned a unique Deal Number.

1. Standard live baccarat

2. Dragon Bonus live baccarat

3. Zero Commission live baccarat

4. Lucky Pair live baccarat

Standard live baccarat rules

The Dealer deals two hands, one for the Player and one for the Banker. The objective of the game is to predict what hand will be closer to the value of nine or if the hands will tie.

There are different bet types you can bet in Baccarat. The bet types are:
Banker
Player
Tie
Banker and Tie
Player and Tie

1. The Player's first card is always dealt before the Banker's first card.
    
2. If you bet on the Banker's hand, and the hand wins, you pay a 5% commission to the House.
    
3. King's, Queen's, Jack's and Ten's have a zero point value.

Third Card Rules

1. If the Player or the Banker has a total of an 8 or a 9 they both must stand.
   Note:
   This rule overrides all others.
    
2. The Banker can get a third card, if the Player stands and the Banker's total is 5 or less.
    
3. If the Player's total is 5 or less, then the Player gets a third card.
    
4. If the Player gets a third card, use the chart below to determine if the Banker gets a third card.

The following payout rules apply:

1. If the hand that you bet on wins, you win double your original bet amount, unless you bet on a tie.
    
2. If you bet on a tie, and win, you are paid eight times your original bet amount.
    
3. If you bet on the Banker's hand, and win, the House charges a 5% commission.

Bet Types

Baccarat Hands

Other General Terms

• Clubs
• Diamonds
• Hearts
• Spades

Tie
When the Player's and Banker's point count have the same value after all cards are dealt.

Void Hand
An error was made by the Dealer and all cards dealt in a specific hand are considered void.

Dragon Bonus baccarat rules

• Player Bonus
• Banker Bonus
• Banker
• Player
• Tie
• Banker and Tie
• Player and Tie

The following general rules apply:

1. The Player's first card is always dealt before the Banker's first card.
    
2. If you bet on the Banker's hand, and the hand wins, you pay a 5% commission to the House.
    
3. King's, Queen's, Jack's and Ten's have a zero point value.

Third Card Rules

1. If the Player or the Banker has a total of an 8 or a 9 they both must stand.
   Note:
   This rule overrides all others.
    
2. The Banker can get a third card, if the Player stands and the Banker's total is 5 or less.
    
3. If the Player's total is 5 or less, then the Player gets a third card.
    
4. If the Player gets a third card, use the chart below to determine if the Banker gets a third card.

Payout Rules

The following payout rules apply:

1. If the hand that you bet on wins, you win double your original bet amount, unless you bet on a tie.
    
2. If you bet on a tie, and win, you are paid eight times your original bet amount.
    
3. If you bet on the Banker's hand, and win, the House charges a 5% commission.

Baccarat Hands

Dragon Bonus Side-bet rules

1. Dragon Bonus Baccarat has side bets for additional payouts.
    
2. The side bets are not compulsory. You can choose to place a bet on either the Banker Bonus betting area or the Player Bonus betting area.
    
3. The side bets are made at the beginning of a game, when the main bets are placed.
    
4. If the hand you placed a side bet on wins, you only qualify for bonus payouts if you have a bonus hand.
    
5. If you have a bonus hand, your payout odds relate to the point count margin your bonus hand wins by.
    
6. Dragon Bonus payouts are independent of the Dealer's hand.

Dragon Bonus Side-bet Payouts

Bet Types

Other General Terms

• Clubs
• Diamonds
• Hearts
• Spades

Tie
When the Player's and Banker's point count have the same value after all cards are dealt.

Void Hand
An error was made by the Dealer and all cards dealt in a specific hand are considered void.

Zero Commission live baccarat rules

The Dealer deals two hands, one for the Player and one for the Banker. The objective of the game is to predict what hand will be closer to the value of nine or if the hands will tie.

In Zero Commission Baccarat you do not pay a commission if the Banker's hand wins. Wins on the Banker hand pay out at odds of 1:1, except when the value of the Banker's hand equals eight. If the value of the winning Banker's hand equals eight you are paid out at odds of 1:2

There are different bet types you can bet in Baccarat. The bet types are:
Banker
Player
Tie
Banker and Tie
Player and Tie

1. The Player's first card is always dealt before the Banker's first card.
    
2. King's, Queen's, Jack's and Ten's have a zero point value.

Third Card Rules

1. If the Player or the Banker has a total of an 8 or a 9 they both must stand.
   Note:
   This rule overrides all others.
    
2. The Banker can get a third card, if the Player stands and the Banker's total is 5 or less.
    
3. If the Player's total is 5 or less, then the Player gets a third card.
    
4. If the Player gets a third card, use the chart below to determine if the Banker gets a third card.

Payout Rules

The following payout rules apply:

1. If the hand that you bet on wins, you win double your original bet amount, unless you bet on a tie.
    
2. If you bet on a tie, and win, you are paid eight times your original bet amount.
    
3. If you bet on the Banker's hand, and win, you do not pay a commission and are paid out at odds of 1:1, except when the value of the Banker's hand equals eight.
    
4. If the value of the winning Banker's hand equals eight you are paid out at odds of 1:2.

Bet Types

Baccarat Hands

Other General Terms

• Clubs
• Diamonds
• Hearts
• Spades

Tie
When the Player's and Banker's point count have the same value after all cards are dealt.

Void Hand
An error was made by the Dealer and all cards dealt in a specific hand are considered void.