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Most Popular Baccarat Variants You Can Play at The Casino

All players agree that baccarat is a casino classic. It’s quick to grasp, simple to play, and easy to enjoy. Plus, it’s available at most well-known land-based and online casinos. If you’ve never played it, it’s high time you tried this famous game. This article will explore different baccarat game variations, explain their rules and gameplay, and help you find the perfect one for you.

List of Online Baccarat Casinos With Great Variations

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Wild Casino

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Ignition Casino

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  • 300+ games
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Cafe Casino

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  • Accepts cryptocurrencies
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25 casinos found based on your search.

Baccarat Variations

Image of Baccarat Variations

Since its appearance in the 1400s, baccarat has had plenty of time to evolve and change. As a result, casinos today offer a wide variety of baccarat variations.

The following paragraphs will highlight the most popular ones and discuss how they work.

Top 5 Baccarat Variations To Try

  1. Chemin de Fer
  2. Punto Banco
  3. Mini Baccarat
  4. Baccarat Banque

Chemin de Fer

Image of Chemin De FerChemin de Fer is one of the oldest baccarat variants still played today.

It typically requires eight to twelve players with six standard card decks. It follows the regular baccarat game rules, with the dealer dealing two banker and two player cards; the hand closest to nine wins. The players can bet on either of them winning or a tie.

The hand values are calculated the same way as in a standard baccarat game — cards from 2 to 9 are taken at face value, jacks, queens, kings, and 10s are worth zero points, and the ace is worth 1 point. The second digit is ignored in all hands that total a two-digit number — so a 15 total becomes a 5, and an 18 becomes an 8.

The major difference between Charmin de Fer and traditional baccarat lies in the bank. Here, players take turns holding the bank instead of the casino.

The player in the banker position places a bet before each hand, and the rest of the players can “go all in” against the banker or place a different bet. Players who choose to go all in have to announce that bet by calling Banco!

More than one player can call Banco! during a single hand. If that happens, the one sitting to the banker’s right has priority over the others and gets the title Banco Prime. This player plays the hand on behalf of all players who bet on the player.

If no player calls Banco!, they all bet at their discretion. However, the sum of their bets must cover the banker’s wager. Whenever the players’ cumulative bet falls short of the banker’s wager, the viewing players can chip in to increase it. The bank raises or removes the excess wager when the players’ bets total more than the banker’s wager.

The outcome of Chemin de Fer is decided when the dealer draws all cards.

  • If the two-card hands don’t total 8 or 9 (Natural win), there are a few rules regarding the third card draw.
  • The player’s hand always draws on 0 to 4, stands on 6 and 7, and can both draw or stand on 5.
  • The banker’s hand rules are more complex — you can find them in the table below.

The player’s hand win pays out 1:1, and banker’s hand win absorbs all the players’ bets. The bets remain on the table if the game ends in a tie.

Punto Banco

Image of Punto BancoPunto Banco is another baccarat variation that enjoys a great deal of popularity in today’s casinos. It was originally introduced in the US in the 1950s, also known as American Baccarat.

Punto Banco plays with six to eight standard card decks and 12 to 14 players. It has traditional betting options:

  • Player
  • Banker
  • Tie

Nevertheless, they’re called Punto, Banco, and Egalite in this variant. The players don’t bet against one another like in Chemin — they bet against the dealer.

The game features the basic baccarat rules we outlined above. The player’s hand draws a third card if it totals 0 to 5 and stands if it totals 6 to 7. The banker’s hand draws a third card if:

  • It totals 0, 1, or 2.
  • It totals 3, and the player’s total is less than 8.
  • It totals 4, and the player’s total is between 2 and 7.
  • It totals 5, and the player’s total is between 4 and 7.
  • It totals 6, and the player’s total is 6 or 7.

In addition, the banker always stands on 7, 8, or 9, and on 6 when the player’s two-card hand totals in 6 or 7. Punto wins usually pay out 1:1, Banco wins pay out 95:100, minus a 5% commission to the house, and Egalite wins pay out 8:1.

Mini Baccarat

Image of Mini BaccaratMini Baccarat is an optimized version of this casino classic.

Mini Baccarat features a smaller table that seats up to seven players and uses eight standard card decks. The dealer handles all the action, so all players have to do is place bets and enjoy. The gameplay is fast and straightforward.

Mini Baccarat shares all its rules with the traditional version of this game. The dealer deals four cards and divides them between the player’s and banker’s hands. All cards are face-down until it’s time to bet. The dealer reveals the second card in each hand, and the players proceed to bet according to standard rules.

Mini Baccarat player’s hand drawing rules are the same as in Punto Banco. The player draws on 0 to 5 and stands on 6 and 7. Banker’s hand rules are slightly different. Banker draws:

  • On 3 when the player’s hand totals 0 to 9.
  • On 4 when the player’s hand totals 2 to 7.
  • On 5 when the player’s hand totals 4 to 7.
  • On 6 when the player’s hand totals 6 and 7.

The banker stands:

  • On 7,8, or 9.
  • On 3 when the player’s third card is an 8.
  • On 4 when the player’s third card is a 0,1, 8, or 9.
  • On 5 when the player’s third card is 0,1, 2, 3, 8, or 9.
  • On 6 when the player’s third card is 0,1, 2, 3, 4, 5, 8, or 9

This baccarat variant allows players to make extra cash on side bets. Mini Baccarat side bets feature is called Dragon Bonus. It pays out if the hand you’ve bet on is a natural or if it’s higher than the opposing hand by four points. natural wins pay out 1:1, natural ties result in a push, and non-natural outcomes differ in payouts, as shown below.

Baccarat Banque

Image of Baccarat BanqueBaccarat Banque is the most popular variation in European casinos.

Baccarat Banque originated in France, where it was played on two conjoined tables, earning the nickname Baccarat à Deux Tableaux. It seats 10 to 12 players and uses three standard card decks.

Baccarat Banque’s gameplay and rules are similar to those featured in Chemin de Fer. One of the players acts as a banker and bets on the banker’s win. However, they don’t play against the other players like in Chemin, but against the house. They also don’t hold the bank — the casino does.

Another difference between Chemin de Fer and Baccarat Banque is that the players don’t take turns being the Banker. The player with the highest bet remains the banker until the entire card shoe is played.

  • The banker sits in the middle of the table, splitting it into two parts.
  • The dealer, sitting opposite the banker, deals three cards — two player cards for each part of the table and one banker card.
  • The players bet on one or both player’s hands, and the banker bets on the banker’s hand.
  • Players can go all in, betting on one or both player’s hands.
  • The dealer collects the bets and deals the second card for each hand at the table.

Naturals like 8s or 9s automatically win, while other totals allow players and the banker to draw additional cards.

The drawing rules are the same as the ones in Chemin de Fer. The players act before the banker. After their actions take place, the player’s hand totals are individually compared to the banker’s, and they win or lose.

The player’s hands never compete against each other.

What Baccarat Version Should You Play?

Image of Baccarat Variations to Play

Baccarat is an all-around fun game, so playing any of its variants can be exciting. The ultimate choice depends on you and your preferences.

You might like Mini Baccarat the most if you’re not a high roller or on a tight budget. This game can be found in most online casinos and features relatively low stakes. The minimum bets it offers are as low as $5, depending on the casino.

You won’t be worried about minimum betting limits if you’re a high roller. However, your winning chances might interest you as you’ll risk more money. Consider a few factors when choosing the variation to play to maximize your winning odds. The most important one is the baccarat house edge. 

Standard baccarat house edge sits around 1.06%. However, the number of decks in play and the commission casinos can affect it. Strive to play variations that play with six decks to the edge low. Moreover, avoid playing too many side bets, as they can significantly boost the edge.

Commission baccarat games can also lower the game’s RTP. However, the no-commission games RTP might not be better, depending on the game’s payout rules. Many casinos remove the 5% commission on the banker’s bets but lower their payouts from 1:1 to 0.5:1 to offset their loss. To that end, your best option is to find a no-commission baccarat game that pays our 1:1. 


Baccarat is a straightforward and entertaining casino game with numerous variants.

Most of them feature the same basic rules, but differ in the number of decks they use, players they seat, and banker requirements. These differences make the game more or less exciting and affect its house edge. Consider each one and try playing different variations to find your favorite.


What’s the best baccarat variation? There’s no correct answer to this question. All baccarat variations have their pros and cons. You should think about your needs and preferences and play free-mode baccarat online games to find the one that suits you best.
What’s the best baccarat variant for beginners? Most beginner players start their journey by playing Mini Baccarat. This game features simple rules, fast gameplay, and low stakes.
What’s the best bet in baccarat? The banker’s hand features the best winning odds in baccarat. It wins around 45.8% of the time. When compared to the player’s 44.6% and tie’s 9.8%, it seems like the best option. However, these odds may change depending on the rule modifications and payouts the game you’re playing features, so have that in mind.

About the Author

Author Hi all! My name is Jayson Peter, and I am the Chief Editor here at Casino USA. I have always been a huge fan of casinos, but I noticed that there are not a lot of websites out there that discuss the gambling industry in enough detail, so that’s how the idea for was born. With my extensive knowledge of the industry and the help of my team, I am ready to give you an insight into the exciting world of casino gambling in the United States.