Baccarat Variations

Baccarat Variations

The most popular variation of Baccarat is Punto Banco, which is what we’ve discussed in this article thus far. You may also see mini-Baccarat which uses the exact same rules but on a much smaller scale. This is likely the Baccarat variation that you’ll see in land-based and online casinos. Even Punto Banco has its own variation: EZ Baccarat.

EZ Baccarat

This is also known as Easy Bac, No Commission Baccarat, or Dragon 7. All rules follow those of standard Baccarat; the only difference lies in the bet payouts. In standard Baccarat, winnings from betting on the Banker’s hand will always pay a 5% commission to the house. In EZ Baccarat, however, that commission doesn’t exist!

You’re probably wondering why any casino would let go of their commission, and how they make money without it. Well, players have a higher tendency to flock towards a game where they’re not forced to pay a commission. The casino makes up for this loss of income by setting up two side bets:

  • Dragon 7
  • Panda 8


    The Dragon 7 side bet pays out when the Banker wins on a three-card hand totaling 7. When this happens, bettors who have put their money on the Banker will have their bets “pushed”. This simply means that these bettors get their bets back – no wins, no losses. All other bettors (i.e. those that bet on Player or Tie) lose their bets. Bettors who made this side bet are rewarded at a 40:1 payout.

Types of Baccarat


    The Panda 8 side bet, on the other hand, pays out when the Player’s hand wins on a three-card hand with a total value of 8. In the same way as Dragon 7, bettors who put money on the Player to win will have their bets pushed, while all others will lose. Those who bet on Panda 8 will win on a 25:1 payout.


There are also a few other types of Baccarat that are popular in certain parts of the world. For example, one previously mentioned and associated with James Bond is Chemin-de-fer, which is commonly played in France.

There are also a few other types of Baccarat that are popular in certain parts of the world. For example, one previously mentioned and associated with James Bond is Chemin-de-fer, which is commonly played in France.

Chemin de Fer, type of Baccarat

Gameplay in Chemin de fer is a little more complicated than the standard Baccarat, which is why it’s not so popular in other casinos around the world. It starts with a shoe of 6 decks and players are betting against each other instead of against the house.

The round starts with one player being designated as the Banker, while all the others are called “punters”. The Banker is the first to wager the maximum amount that he is willing to bet. Betting then goes around the table clockwise with the remaining punters choosing their respective bet amounts – provided it does not exceed the Banker’s bet amount. There are a few possible scenarios in the betting round:

  1. One punter “goes bank”, meaning he will play against the Banker’s entire bet with a matching wager all on his own. When this happens, no other players will wager in the current round.
  2. If no one “goes bank”, punters will take turns choosing their wagers going clockwise around the table.
  3. When all punters have placed a bet and the total is less than the Banker’s wager, observing bystanders then have a chance to place their own bet until the Banker’s stake is matched.
  4. If the punters’ total stake exceeds the Banker’s bet, the Banker can either increase his wager or return the excess bets in reverse order.

After the betting round, the game begins with the Banker dealing two cards each to himself and the Player. The punter with the highest bet amount acts as Player on behalf of the other punters. From here, the rules of Chemin de fer and standard Baccarat are pretty much the same when it comes to drawing a third card.

If the Player’s hand wins, all punters will receive their wagers back plus a matching amount from the bank. The role of the Banker is then passed onto the next player in counterclockwise order. On the other hand, if the Banker’s hand wins then all wages go into the bank and the Banker remains. He may, of course, choose to withdraw and thus the next Banker is any of the remaining players willing to stake an amount equal to the current bank total. If no one volunteers, the new banker is then the next player in the counterclockwise position and the bank resets to the new Banker’s choice of wager amount.

In the event of a tie, the next round skips over the betting and all wagers remain the same.

In this casino version of Baccarat, the rules of the betting round are very similar to those in Chemin de fer. The only difference is that the Dealer is always the same person (employed by the casino, like in standard Baccarat). In other adaptations of this game, the Banker may also be ascertained as the player who is willing to wager the most. In this case, the Banker only changes the position once all the cards in the three-deck shoe have been dealt out.

Another main difference is the number of hands in play in Baccarat Banque. Where in other Baccarat variations there is one hand each for the Banker and Player, in Baccarat Banque there are three hands!

A hand is given to the Banker as usual while the Player gets two hands. Betting rules differ depending on the casino, but it’s always either one of two options:

  1. Bettors can choose either of the two Player hands to wager on.
  2. Bettors sitting at either side of the table can only bet on the Player hand that is given to their side.

In both cases, active bettors and bystanders cannot bet on the Banker hand.