How to Play Mini Baccarat

With an enhanced design and new high-definition cameras, enjoy the most immersive Live Mini Baccarat experience around.

Live Mini Baccarat is a simple game to play, but every hand brings its own unique thrills, and the opportunity to maximise your winnings with side bets. Enjoy the excitement and glamor of playing Mini Baccarat in a real casino – wherever you are.

Live Mini Baccarat - Basic Rules

The aim of Baccarat is simply to get a hand with a points total closest to nine. Aces count as one, number cards two to nine as their face value, and tens and picture cards count as zero.

If the value of a hand is ten points plus, then subtract ten points for the final baccarat point value of the hand. For example, 7+6=13=3 and 4+6=10=0.

For each round, place your wager on the Banker’s hand, on your hand or on a tie. You and the Banker are then each dealt a two-card hand. In certain cases, a third card is dealt to the player or the Banker or both (Third Card Rules – see below). Cards are dealt from a shoe that holds eight decks of cards.

The player closest to nine wins.

If you bet on your hand and win, you are paid 2 to 1 winnings on your bet.

If you bet on the Banker and the Banker wins, you are paid 2 for 1 minus 5% bank commission (referred to as vigorish).

If both your hand and the Banker’s hand have equal totals, the game result is a ‘tie’. If you have placed a bet on the ‘tie’ field, your payoff is 8/1.

See the bottom section of this page for the theoretical return to player (RTP) for Live Mini Baccarat.

Live Mini Baccarat Payouts

Bet TypePayout
Banker 2:1
Player 2:1 minus 5%
Tie 8:1

Third Card Rules

The following baccarat rule chart governs when the player and/or the Banker will automatically be dealt a third card in the game:


Point Value of First Two Cards 
0-1-2-3-4-5 Draws a card.
6-7 Stands.
8-9 ‘Natural hand’, no further draw.

If the player stands, then the Banker hits on a total of five or less. If the player does hit, then use the table below to determine if the Banker hits or stands.


Point Value of First Two CardsDraws 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.

Important note: If either the player and/or the Banker has a total of eight or nine, they both stand. This rule overrides all other rules.

Side bets

In addition to the Player, Banker or Tie bets, side bets can be placed.

The rules of the Side bets are as follows:

  • The Player Pair, Banker Pair and Either Pair side bets win if the first two cards drawn by the dealer form a pair on the respective position.
  • The Perfect Pair side bet wins if the first two Player or Banker cards form a pair of the same suit. For example, a pair of seven of Diamonds.
  • The Big side bet wins if the total number of cards dealt between Player and Banker is five or six.
  • The Small side bet wins if the total number of cards dealt between Player and Banker is four.

Side bets are not associated with the main game bets. For example, you can bet on the Player main bet position and Banker Pair side bet, and vice versa.

Baccarat Side Bets Payouts

Side Bet TypePayout
Player Pair 11:1
Banker Pair 11:1
Perfect Pair 25:1
Either Pair 5:1
Big 0.54:1
Small 3:2

Egalite Extra Side Bet

Egalite Extra is a side bet, that allows you to bet that the Player and Banker hands will form a specific Tie with an equal score.

  • The bet wins if the hands result in a Tie of the same specific score. If the result of the hand is not a Tie, or a Tie of a different score, all Egalite Extra bets are lost.
  • It is possible to bet on Egalite Extra betting position without placing a main bet.
  • Player can choose to place one or more bets on the specific score Tie hands offered by the Egalite Extra side bets.

Egalite Extra Side Bets Payouts

Individual EgalitesPayout
0 150:1
1 215:1
2 220:1
3 200:1
4 120:1
5 110:1
6 45:1
7 45:1
8 80:1
9 80:1

Game RTPs

The theoretical percentage return to player (RTP) in Live Mini Baccarat differs across bet types:

Bet TypeRTP
Banker 98.94%
Player 98.76%
Tie 85.64%
Side Bets: 
Player Pair/Banker Pair 89.64%
Perfect Pair 86.67%
Either Pair 86.29%
Big 95.65%
Small 94.72%
Egalite Extra 87.55-93.61%

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