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The Joys of Mini-Baccarat

It’s fun, it’s easy, and it’s one of the best bets in the house

“You don’t have to know anything about cards and you don’t have to be a high roller,” is the way one Atlantic City pit boss put it when he was explaining the game of mini-baccarat to me some 28 years ago. And you know what? He was absolutely right.

In fact, even if you’re clueless about mini-baccarat, I’ll show you how to play like a pro in the time it takes you to read this article.

Why Play Mini-Baccarat?

Ok, you’re probably thinking to yourself, “What’s the big deal about this relatively obscure casino game?”

Here’s the scoop. You can get a return close to 99% of all the money you bet on mini-baccarat, and you don’t have to be an Einstein to play.

If you’re a ป๊อกเด้ง ไฮโล slot player, take a look at the slot returns summarized in Casino Player’s “Slot Chart” and tell me the number of times you see any denomination slot machine in any casino jurisdiction return 99%?

 

I’m waiting.

If you’re having a hard time finding any, don’t be surprised, because most slot machines pay less than 99%. The point is that mini-baccarat offers slot players a better value.

 

How about you table game players, scoffing at your fellow players who play the machines? If you’re playing blackjack using “intuition” to guide your playing strategy decisions, guess what? You’re lucky if you get back 98% of the money that you’re betting. And you “roll dem bones” crapshooters who love to make a few bets on the numbers or on the hardways along with your pass line wager-you’re also in for a surprise. Your overall return ain’t close to 99%. Ditto for the roulette, Let It Ride, keno, Pai Gow Poker, Caribbean Stud, Three Card Poker, and unskilled video poker players. Nothing comes close to that 99% return you’ll get for playing mini-baccarat which, remember, requires little to no effort to master.

 

How to Play

 

How simple is it to play mini-baccarat? It’s as easy as picking heads or tails in a coin flip. Only instead of heads or tails, in mini-baccarat you must pick either the Bank Hand or the Player Hand.

 

Now tell me that’s not easy.

 

Where do you find mini-baccarat tables in a casino? Not in the baccarat pits, where the high rollers play the traditional game of baccarat (a la James Bond), but on the main casino floor next to the blackjack tables.

Nowadays, mini-baccarat tables come in different shapes and sizes. Some are semi-circled like blackjack tables and others are rectangular, sort of like a smaller version of the regulation-size tables you see in the baccarat pits. Don’t let the size or shape confuse you. They all have the same rules and the table minimums are usually more in line with what you’d find with the other table games on the main casino floor.

 

Mini-baccarat is a card game dealt with six or eight decks of cards. The objective of the game is to guess which of the two dealt hands-Bank or Player-will have the higher total. The hand closest to 9 is the winner. If you guess right, you win and the casino will pay you 1 to 1 (bet $5 and you win $5). If you guess wrong, then you lose your bet. In the event both hands tie, it’s a push and you don’t win or lose.

 

All the cards in mini-baccarat count their face value, except for 10s and picture cards, which count as zero, and the Ace, which counts as 1. So, if the Bank Hand had a 3 and 4, the total of the hand is a 7. If it contained a 2 and 10, it would total 2 (remember that 10s count as zero).

Just like 21 is the highest hand in blackjack, 9 is the highest hand in mini-bac. You can’t bust in mini-baccarat like you can in blackjack. If the cards in the Bank or Player Hand total more than 9, then the count is adjusted by subtracting 10. So a hand that contains a 5 and 7 equals 2 (12 minus 10). Another quick way to adjust your total if it exceeds 9 is to just ignore the first digit in the total. In the above example, a 5 and 7 equals 12. If you ignore the first digit (the 1), your adjusted total is 2.

 

Try these sample hands to see how easy this is.

 

Answers:

 

  1. 5 + 3                  1. 8

 

  1. Queen + Ace       2. 1

 

  1. 9 + 10                3. 9

 

  1. 6 + Jack             4. 6

 

  1. 8 + 8                  5. 6

 

  1. 10 + 5 + 9           6. 4

 

  1. 7 + 3 + King        7. Zero

 

 

 

Why You Won’t Feel Intimidated When You Play

 

Most recreational casino players feel uneasy playing blackjack or craps because they’re afraid if they make a mistake, it will upset other players or, worse, cause them to lose. Or they feel intimidated by the dealer, the fast pace of the game, the confusing playing rules, and the stress of having to learn and make the right play in seconds.

 

Well, put all this behind you, because when you play mini-bac, you don’t have to be concerned about any of the above.

 

Visualize yourself walking into your favorite casino and taking a seat at a mini-baccarat table. You place some cash on the green felt layout; the casino dealer counts it and gives you the equivalent amount in casino chips. You look down at the green felt layout and directly in front of you is a clearly labeled area for you to place your wager on either the Bank Hand or the Player Hand. You decide to make a minimum wager on the Bank Hand, so you place a red chip there. Believe it or not, that’s all you need to know to play the game.

When you play mini-baccarat, it’s just you against the dealer, just like in blackjack. There could be other players, but you’re not playing against them. How you bet has no bearing on the outcome of their hand. And since there aren’t any complicated rules or playing strategies to memorize, you can’t make a “dumb” playing mistake or bet incorrectly or do something that will get your fellow players upset. In other words, you will never feel intimidated when you play mini-baccarat. If anything, you’ll find the atmosphere downright friendly.

 

Mechanics of Playing

Unlike at the traditional baccarat tables, where players deal the cards, with mini-bac, the casino dealer does all the dealing. In fact, the dealer does everything (all you do is make a bet and collect your winnings).

 

Here’s how the game is played.

Once all players have made their bets, the dealer will deal two cards face down to the Player Hand and another two cards face down to the Bank Hand. The dealer places the cards for both hands in the designated Player and Bank hand areas in the center of the layout. These two hands are the only hands that are dealt. Think of them as community hands in which all players have their bets riding on one or the other hand.

Now the excitement begins. The dealer faces the cards and announces the total or score for each hand (for example, the dealer will say “Players have 5 and Bank has 7”). Sometimes the game ends right then and there with the hand that has the higher score declared the winner. Other times, one or both hands will be required to draw a third card.

Now don’t panic, because you don’t have to make the decision whether or not one or the other hand should draw a third card. There are rigid casino rules that determine which hand should get a third card, and the dealer is paid to know them. He makes all the decisions. These rules are summarized in Table 1. Just keep in mind that it’s not necessary to learn them in order to play mini-baccarat.

Table 1

 

Third Card Drawing Rules

Rule #1

 

If either hand totals a natural 8 or 9, the round is over and both hands must stand (i.e. neither hand draws a third card). If neither hand has a natural, then the Player Hand must act first.

Rule #2

 

If the initial two-card Player Hand totals 5 or less, the Player Hand must draw a third card. If the total is 6 or 7, the Player Hand must stand.

Rule #3

 

If the Player Hand stands, the rules for the Bank Hand are the same as the Player’s (Bank Hand must draw a third card on totals of 5 or less and stand on 6 and 7).

Rule #4

 

If the Player Hand draws a third card, the Bank Hand must stand or draw according to the following chart:

 

P L A Y E R   3rd C A R D

B   0 1 2 3 4 5 6 7 8 9

A 0 D D D D D D D D D D

N 1 D D D D D D D D D D

K 2 D D D D D D D D D D

3 D D D D D D D D S D

H 4 S S D D D D D D S S

A 5 S S S S D D D D S S

N 6 S S S S S S D D S S

D 7 S S S S S S S S S S

 

 

D=Draw  S=Stand

What Makes Mini-Bac “Fun”

 

If you glance at the table, you’ll see that the third card draw rules for the Player Hand are not the same as the third card rules for the Bank Hand. This difference results in the exciting outcome of most hands. For example, suppose the following cards were dealt to the Player and Bank Hands:

 

Player Hand: 2+3=5

 

Bank Hand: Ace+2=3

 

At this stage of the game, the Player Hand is beating the Bank Hand by a score of 5 to 3. Players who wagered on the Player Hand wish the game would end right there, because the Player Hand would be declared the winner. But check Rule #2 in Table 1. It states that the Player Hand must draw if the initial two-card Player Hand totals 5 or less. So in our example, even though the Player Hand is ahead, it must draw a third card.

So what’s the big deal you ask? Suppose the draw card was a 6. This would give the Player Hand a final score of 1, and in the time it took for the dealer to face that draw card, the Bank Hand has taken the lead. But all is not lost for Player Hand bettors. Rule #4 states that if the Player Hand draws, you need to check the table to determine if the Bank Hand draws. You look across the top and find the value of the third card that was given to the Player Hand (in our example, it was a 6). Go down the first column to a Bank hand of 3. Where the row and column intersects you find the letter D (which means Draw). In our example, the Bank Hand must therefore take a card.

Suppose the draw card was an 8, which now gives the Bank Hand a final score of zero (Ace+2+8=0). The Player Hand, which was in the lead, then fell behind, finally ends up victorious with a final score of 1 over 0.

Do you see why mini-bac is not only easy to play but exciting? In fact, when third-card draws are involved (which they often are), the excitement escalates, as the lead can change several times …