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Play Online Baccarat in Australia

Home / Casino games / Play Online Baccarat in Australia

Play Online Baccarat in Australia

Discover the game of online baccarat, a classic casino favourite, now available to players in Australia. Immerse yourself in this popular table game, enjoying the convenience and experience from the comfort of your own home. Whether you're a seasoned player or new to the game, online baccarat promises both fun and the potential for real money wins.

Best Casinos to Play Online Baccarat for Real Money in Australia

When it comes to playing baccarat online for real money in Australia, choosing the right casino is key. The best casinos offer a blend of security, a wide range of online baccarat variations, enticing casino bonuses, and top-notch customer service. In our quest to find the best online baccarat experiences, we’ve evaluated numerous Australian casinos based on these criteria. Below, we present our top picks that promise an engaging and trustworthy gambling experience.

Play Online Baccarat for Free

One of the advantages of baccarat online is the opportunity to play for free at many casinos online, once you’ve created an account. This feature is particularly beneficial for those new to the game or looking to refine their strategy without any financial risk. It’s a chance to familiarise yourself with the various versions of online baccarat, understand the rules, and gain confidence before playing with real money.

However, it’s important to note that while general table games often offer a free play option, live casino versions of baccarat online usually do not. In live casino settings, players can typically join and observe online casino games after creating an account, providing a feel of the gameplay and atmosphere before committing real funds.

The Origins & Evolution of Baccarat Online

Online baccarat, with a history steeped in intrigue and elegance, is believed to have been invented in Italy during the 1400s. The game’s name originates from the Italian word ‘baccara’, meaning ‘zero’, a nod to the value assigned to the face cards and tens in the game. Initially, baccarat online was a game favoured by the aristocracy and upper classes.

Over centuries, it evolved and spread across Europe and beyond, gaining popularity in France, where it became known as Chemin de Fer. The game continued to evolve, eventually reaching the shores of Australia, where it has become a staple in both physical and online casinos. Today, online baccarat is celebrated for its simple yet sophisticated gameplay and is enjoyed by players of all levels worldwide.

Play Online Baccarat for Free

How to Play Online Baccarat

Playing online baccarat for real money is rather simple. In this game, the goal is to predict whether the Player’s or the Banker’s hand will be closest to a total of 9 points. Each hand starts with two cards, and a third card may be dealt according to the game’s rules. This straightforward yet engaging gameplay makes online baccarat a popular choice among Aussie players seeking both simplicity and excitement in their gambling experience.

Basic Rules & Gameplay

In online baccarat, cards 2-9 are worth their face value, aces are worth 1 point, and kings, queens, jacks, and 10s have no point value (zero). The cumulative value of a hand in baccarat online is calculated by summing the points of each card and then taking only the unit digit of this total. For instance, if you have a 7 and a 5, their combined total is 12, but the value considered for the hand is the second digit, which in this case is 2. If the total is a two-digit number, the first digit is dropped. Interestingly, as a player, you can enjoy the game without needing to understand all the rules since the dealer handles the gameplay.

Betting Options

Prior to commencing the game, you are required to wager on one of three potential results: the hand of the Player, the hand of the Banker, or a draw (Tie). Wagering on the Player’s hand yields an equal amount to your bet. Placing a bet on the Banker’s hand also offers an even return, but it is customary to pay a 5% commission to the casino. Opting for a Tie bet typically results in a payout of 8 to 1. The specific payout and the Return to Player (RTP) differ for each betting option, with the Banker’s hand often being the preferred choice due to its marginally more favourable odds.

Third Card Rule

The rules for drawing cards in online baccarat depend on the initial values of the player’s and dealer’s hands. If either hand has a total value of 8 or 9, no additional cards are drawn, known as a “natural” win. However, if neither hand has a natural win, the player’s hand is considered first. The player will draw a third card if their hand totals between 0 and 5, and stand if it’s 6 or 7. The dealer’s hand-drawing rules are slightly more complex and are influenced by the player’s third card. Understanding these rules can enhance the playing experience, especially when it comes to strategic betting.

How to Play Online Baccarat

Varieties of Online Baccarat

Online baccarat comes in several exciting variations. While the core principles remain the same – betting on either the Player’s hand, the Banker’s hand, or a Tie – these variations introduce different rules and features to enhance the gambling experience. Let us explore some baccarat online variants offering an enriched gambling experience for both new and seasoned players, and adding a fresh twist to the classic game.

Punto Banco

Punto Banco is the most common version of baccarat found in casinos worldwide, including online platforms. In this variation, the casino always acts as the bank, and players bet on the outcome of the Player’s hand (Punto) or the Banker’s hand (Banco). The game is played with 8 decks of standard cards. Players must place their bets before any cards are drawn, and cannot change or alter their bets once cards have been dealt.

In Punto Banco, tens, court cards, and any combination of cards totalling ten count as zero (Baccarat). An Ace counts as one, while all other cards retain their face value. The game aims to get as close to a total of 9 as possible. A minimum of two and a maximum of three cards are dealt to each hand.

Players have the option to bet on the Bank (Banco), against the Bank (Punto/Player), or on a Tie (Egalite). A winning Bank bet pays at odds of 19-20, while a winning Player bet pays even money (1-1). If both hands have the same total, it results in a tie, and any Bank or Player bets are deemed a stand-off. Tie bets pay at odds of 9 to 1. The game adheres to a strict set of drawing rules with no optional drawing.

All wagers must be within the table’s minimum and maximum limits. The game’s integrity is maintained by ensuring fair and open gambling, with any ambiguities in the rules resolved in the player’s favour.


Mini-Baccarat is a popular variant, favoured for its simplified rules, lower stakes, and a more rapid pace of play. While it follows the same fundamental rules as Punto Banco, Mini Baccarat is distinguished by its use of eight decks of cards and its accommodation of up to seven players at a time. The game is conducted on a smaller table, which contributes to its faster pace.

The objective in Mini Baccarat is to achieve a hand total as close to nine as possible. The game begins with the dealer drawing two cards for both the player’s and banker’s hands. A natural is declared if either hand totals eight or nine, in which case no more cards are drawn. If there is no natural, additional cards are drawn according to predetermined hit/stand rules.

Players in Mini Baccarat can place three types of bets: on the Banker’s hand, the Player’s hand, or a Tie, with bets placed before the dealer announces “no more bets.” Winning bets on the player’s or banker’s hand pay even money, but winning bets on the banker’s hand incur a 5% commission. Tie bets offer an 8 to 1 payout. The game strictly adheres to the “Player Rules” and “Banker Rules” for drawing additional cards, ensuring a straightforward and engaging gameplay experience.

Varieties of Online Baccarat Mini-Baccarat

Speed Baccarat

As its name implies, Speed Baccarat significantly quickens the pace of the game, with each round taking a mere 27 seconds, nearly half the time of the standard 48-second round. This rapid pace is achieved as soon as bets are placed, with the cards being drawn swiftly and winners announced almost immediately. This variant, primarily provided by Evolution Gaming, is designed for those who prefer a more dynamic and exhilarating gameplay experience.

Speed Baccarat maintains the traditional rules and card values of baccarat, utilising eight standard 52-card decks. The aces are counted as 1, number cards hold their face value, and face cards and tens count as zero. The game continues until the cut card is dealt, followed by a reshuffle or a shoe swap.

The layout of Speed Baccarat allows players to customise their view, focusing either on the dealer or the betting options, enhancing the user experience. The game includes standard bets on the banker, player, or a tie, with side bets also available. The rapid nature of the game, however, offers limited time for strategic betting. This version of baccarat appeals to players who enjoy a fast-paced, high-energy gambling environment, enhancing the overall excitement of the baccarat experience.

No Commission Baccarat

No Commission Baccarat, also known as Commission-Free Baccarat, alters the traditional payout structure by removing the customary 5% commission on Banker bets. This modification affects how winnings are paid out, especially in the case of the banker’s hand winning with a total of six, where the wager pays at 1 to 2, rather than the full amount. This version of the game maintains the fundamental objective of achieving a hand closest to nine.

Played with a standard 52-card deck without jokers, using eight decks in total, the game follows the regular baccarat rules for card values and hand rankings. Unique to this variant is the player-dealer position, which rotates every two hands in a clockwise manner around the table. The player-dealer is responsible for collecting losing wagers and paying winning ones but cannot win or lose more than their original wager. Uncovered wagers are returned to the respective players if the player-dealer’s wager is exhausted.

The game offers three betting options: the Player line, the Banker line, and the Tie Bet. Each player must place their wagers within the table limits before the round begins. The dealer then deals two cards each to the player and banker positions, with the possibility of drawing additional cards based on standard baccarat rules. In the event of a tie, the Tie Bet pays at 8 to 1. This variant’s distinctive feature is the no-commission structure, making it a popular choice among players who prefer a simplified payout format and a unique twist in the gameplay.

Play Live Baccarat Games Casinos

Live Baccarat Games

Live Baccarat games are hosted by live dealers and streamed in high definition, bringing the authentic casino vibe directly to players. Among the popular live baccarat variants, Lightning Baccarat stands out. This version, introduced by Evolution Gaming, adds high-payout RNG multipliers to the traditional baccarat game. In each game round, 1-5 cards are randomly struck by lightning, receiving multiplied payouts if the player wins on a hand containing these cards.

The live setting of these games enhances player engagement and trust, as they can interact with the dealers and watch the action unfold in real time. Other popular live baccarat variants include Live Baccarat Squeeze, where the ritual of ‘squeezing’ the cards is central to the game, and Live Speed Baccarat, which replicates the fast-paced nature of its online counterpart.

Baccarat Strategy, RTP & Statistical Insights

Baccarat combines elements of chance and strategy, and it has distinct probabilities and Return to Player (RTP) metrics that savvy players can utilise to maximise their chances of success. Understanding these statistics and incorporating them into gameplay can significantly enhance a player’s baccarat experience.

Return to Player (RTP) & House Edge

In Baccarat, RTP is a crucial factor that indicates the potential return a player might expect over time. It’s closely linked to the house edge, which is the casino’s average profit from each game.

  • Banker’s Hand: The RTP for betting on the Banker’s hand is remarkably high at 98.94%, reflecting the Banker’s slight statistical advantage. Despite the house taking a 5% commission on winning Banker bets, this remains the most favourable bet in terms of RTP.
  • Player’s Hand: Slightly less favourable, yet still attractive, is the Player bet with an RTP of 98.76%. There’s no commission on the Player’s bet, making it a straightforward option with a near-even payout.
  • Tie Bet: The Tie bet, though offering an enticing 8:1 payout, comes with a significantly lower RTP of 85.64%. The long odds reflect the infrequent occurrence of a tie, making this a higher risk choice.
Baccarat Strategy, RTP & Statistical Insights

Strategic Considerations

Understanding these probabilities helps in developing a baccarat strategy. While the game predominantly hinges on chance, astute players can leverage strategic considerations to refine their gameplay. A thorough understanding of the game’s odds, familiarity with different betting systems, and an awareness of the rules across various baccarat variants are instrumental in shaping informed betting decisions. This strategic approach not only aids in bankroll management and loss minimisation but also elevates the overall gambling experience, infusing it with greater engagement and the potential for more rewarding outcomes. For instance:

  • Banker’s Bet: Given its higher chance of winning (approx. 45.86%) and favourable RTP, betting on the Banker’s hand is often recommended, especially for players seeking consistent, albeit smaller, wins.
  • Player’s Bet: With a slightly lower winning probability (approx. 44.62%) but no commission, the Player’s bet is also a viable strategy, particularly for those looking to avoid the commission of the Banker’s bet.
  • Tie Bet: Due to its low probability of winning and high house edge, the Tie bet is generally considered a less advisable option for strategic play. However, players who enjoy high risk and potential high reward might find it appealing.

In addition to RTP and house edge, other statistical factors such as minimum and maximum bets can influence strategy. The limits vary across casinos but are important to consider for bankroll management.

  • Minimum Bets: Typically lower in online casinos than their brick-and-mortar counterparts, allowing players to engage with less financial commitment.
  • Maximum Bets: Set by casinos to limit exposure to large wins from high rollers. It’s crucial for players to know these limits, especially if employing strategies like betting systems that require increasing bet sizes.

Frequently asked questions

Can I play online Baccarat for free in Australia?

Yes, many online casinos in Australia offer the option to play Baccarat for free. This is ideal for beginners or those looking to practise their strategy without financial risk.

Are there different versions of online Baccarat available?

Absolutely. Online casinos typically offer various versions of Baccarat, including Punto Banco, Chemin de Fer, Baccarat Banque, Mini-Baccarat, and Speed Baccarat, each with its unique rules and gameplay style.

What are the betting options in online Baccarat?

In online Baccarat, you can bet on the Player’s hand, the Banker’s hand, or a Tie. The payouts and RTP (Return to Player) differ for each option, with the Banker’s hand usually offering slightly better odds.

What is the Return to Player (RTP) in online Baccarat?

The RTP varies: betting on the Banker’s hand typically offers an RTP of 98.94%, the Player’s hand has an RTP of 98.76%, and a Tie bet offers an RTP of 85.64%.

Is online Baccarat a game of chance or skill?

Online Baccarat is primarily a game of chance, but understanding the odds and making strategic bets can enhance your playing experience.

What is the ‘Third Card Rule’ in online Baccarat?

This rule determines whether the Player or Banker should receive a third card, based on their initial hand totals. It’s a predefined set of rules that varies slightly between the Player’s and Banker’s hands.

What strategies can I use in online Baccarat?

While Baccarat is largely based on luck, common strategies include betting consistently on either the Banker or Player hand, considering the odds and RTP for each bet type, and managing your bankroll effectively.

Written by

Nathan Harper

Nathan Harper


Nathan is one of the most knowledgeable casino writers we've ever seen. He has seen everything there is to see within the online casino industry and therefore specializes in anything we throw at him.

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