Baccarat - The Rules on the Third Card

A key difference between baccarat and blackjack is that players have a choice as to how the hands are played in blackjack while in baccarat the choices are governed by certain set rules. In blackjack, a player can ask for additional cards if deemed that the value of the initial hand is no match to that of the dealer's. Baccarat doesn't give players that option. Instead, there are rules that govern when the player's hand or the banker's hand will get a third card.

Like the rest of the rules of baccarat, the rules on the third card are also easy. We'll mention each rule of baccarat on the third card below. You may go over them a few times if you wish. Here are the rules that govern the dealing of the third card.

Take note that the rule for the player hand is different from the rules that apply to the banker hand. Let's deal with the baccarat player hand first. The player's hand will receive an additional card (i.e. third card) if the initial hand has a total of zero, one, two, three, four, and five. If the player's hand has an initial total of six or seven then it stands.

Here are the rules for the third card for the banker hand. If the player doesn't take a third card the banker takes a third card if the initial total of zero to five and stands on six or seven.

If the player takes a third card and gets a two or three the banker takes a card on a total of zero to four and stands on five to seven. If the player gets four or five the banker takes a third card on a zero to five total and stands on six or seven. If the player gets a six or seven third card the banker draws on a zero to six total - stands on seven. If the player draws an eight then banker draws on zero to two and stands on three to seven. If a player gets a face card, an Ace, nine, or ten then banker draws on zero to three - stands on four to seven.

These rules apply after the following said cases apply. These rules also imply that neither the player hand nor the banker hand take an initial value of eight or nine. If either of the two hands get an eight or nine, no other cards are dealt and both hands stand.

These rules on the third card may require some practice. These rules are a characteristic of baccarat that makes it unique.