• Cards 2 through 9 are worth their face value.
• 10s, Jacks, Queens, and Kings are worth zero points.
• Aces are worth one point.

The value of a hand is determined by adding the values of its cards. If the total exceeds 9, only the last digit of the total is used. For example, a hand consisting of a 7 and an 8 would have a value of 5 (since 7 + 8 = 15, and the last digit is 5).

• Baccarat is typically played with eight decks of cards shuffled together.
• The game begins with players placing their bets on either the Player hand, the Banker hand, or a Tie.
• Two cards are dealt to both the Player and the Banker hands.
• If either hand has a total of 8 or 9, it is considered a "natural," and the game ends with that hand declared the winner.
• If neither hand has a natural, additional cards may be drawn based on specific rules (outlined below).

• Player Hand: If the Player's initial total is 0-5, the Player draws a third card. If the total is 6 or 7, the Player stands.
• Banker Hand: The Banker follows a more complex set of rules based on the Player's third card (if drawn). These rules are typically managed by the dealer in live or online games:
  • If the Banker’s total is 2 or less, the Banker draws a card.
  • If the Banker’s total is 3, the Banker draws a card unless the Player’s third card is an 8.
  • If the Banker’s total is 4, the Banker draws a card if the Player’s third card is 2-7.
  • If the Banker’s total is 5, the Banker draws a card if the Player’s third card is 4-7.
  • If the Banker’s total is 6, the Banker draws a card if the Player’s third card is 6 or 7.
  • If the Banker’s total is 7, the Banker stands.

• Player Bet: Pays 1:1 if the Player hand wins.
• Banker Bet: Pays 1:1 minus a 5% commission if the Banker hand wins.
• Tie Bet: Pays 8:1 or 9:1 if both hands have the same total.