Baccarat

Punto Banco

Playing Baccarat

Baccarat or Punto Banco is usually played in a separate casino area. The playing table is about the size of a craps table with three casino dealers and up to 12 or 14 players. There are just two principal bets to make: banker or player - Banco or Punto, plus the rarely used Standoff. Some casinos let the players deal the cards in turn and others have a casino dealer to deal the cards.

Each player, including the player dealing, may bet on either Punto or Banco but it is customary for the dealer to bet on Banco. Players may opt not to deal, passing the 'Shoe' to the next player. The shoe remains with one player as long as the Bank wins. If Punto wins, the shoe passes on to the next player. Two hands are dealt and you bet which one will win, or that they will tie. It is just like betting on Black or Red at roulette, and the payoff is even money, 1:1 (except for the standoff, which pays 8-1 or 9-1). The only difference between the Banco and Punto bet is a win on Banco will cost you 5% commission or tax levied by the casino - the in-built advantage. The reason for taxing the Banco is because it has been established that over an 8-deck cards play on average the Banco will win three to four hands more than the Punto. Each hand consists of a minimum of two and a maximum of three cards. The person dealing will put two cards, face down, tucked under the shoe, and give the player with the largest bet on Punto the other two cards, face down. The Punto player then looks at the cards and gives them back to the player who is dealing. Then the player who is dealing will turn over the cards of both hands while one of the casino dealers will announce the results and the winner. If either hand has a total of 8 or 9 (nine is the highest), then it is called a 'Natural' and no more cards are dealt. If it is not a natural, then depending on the value of each hand the casino dealer may instruct the card dealer to deal a third card. The decision when to deal a third card follows precise set rules used by all casinos. Once dealing is completed, the hand with the highest count wins. The paying casino dealers will collect the losing bets first and then pay the winning ones. The player who actually deals the cards is not responsible for the payouts. He is just like any other player, playing against the casino.

Baccarat Rules

Baccarat is played from a six-deck or an eight-deck shoe. All face cards and 10s have no value. Cards less than 10 are counted at face value, Aces are worth 1. Suits don't matter. Only single digit values are valid. Any count that reaches a double digit drops the left digit. 15 is counted as 5 and 25 is also counted as 5. To start, the players bet either on Banco or Punto or Standoff. The card dealer gives two cards each; first to the player and then the banker. The object of the game is to bet on the hand that you think will have the highest total value. A third card may be dealt to either or both the player (Punto) and the bank (Banco) based on the following three-card-rules. It is not necessary to learn these rules to play, they are compulsory decisions and therefore automatic. Only on rare occasions a mistake is made: Player's third-card-rule

• If either the player or the bank have a total of 8 or 9 on the first two cards no further cards are drawn. The resulting hand is called a natural and the hand is over.
  
• If the player's total is less than or equal to 5 the player's hand draws a third card.
  
• If the player does not draw a third card, then the bank's hand stands on 6 or more and takes a third card on a total of 5 or less. If the player does take a third card then the Bank's third-card-rule below will determine if the bank takes a third card.
  

Bank's third-card-rules

• If the bank's total is 2 or less then bank draws a card, regardless of what the players third card is.
  
• If the banks total is 3 then the bank draws a third card unless the players third card was an 8.
  
• If the banks total is 4 then the bank draws a third card unless the players third card was a 0, 1, 8, or 9.
  
• If the banks total is 5 then the bank draws a third card if the players third card was 4, 5, 6, or 7.
  
• If the banks total is 6 then the bank draws a third card if the players third card was a 6 or 7.
  
• If the banks total is 7 then the bank stands.
  

House advantage
Banker (Banco) 1.17%
Player (Punto) 1.36%
Tie (Standoff) 14.12% at 8:1 payout

Poker Chinese

Chinese 13 Card Poker

Chinese Poker is played with a standard 52-card deck. Up to four players can play.

Each poker player receives 13 cards, face down, one at a time, in rotation. A hand is dealt to all four positions even if vacant. The hand must be arranged with three cards in front, five cards in the middle, and five cards in the back, where the back hand should rank higher or equal to the middle hand, and the middle hand should rank higher than the front hand. Standard poker rankings apply. Straights and flushes do not count in the front hand except in the event of an automatic win.

Scores are kept by points. Each part of the hand is assigned one point. Each point is given a monetary value for each game.

Hands are then compared with each player, one at a time. The poker player with the higher ranking hand in the front segment wins one point. The player with the higher ranking middle hand wins one point. The player with the higher ranking back hand wins one point.

If two out of three of the players' hands ranks higher than an opponent's hand, the first player wins two points. For example, the player would win two points, minus one point (the one an opponent won) plus one point for a majority of segments win, thereby, winning two points total.

If all three parts of the player's hand ranks higher than the opponent's hand, the winner gets four points. (The player wins three points (net win), one point for winning each of the three hands minus zero points (the opponent didn't win any) plus one point for the majority of hands won, totaling four points.)

Automatic Win

There are also hands known as an "automatic win" and the player may declare the win by placing the stack of cards down on the table. However, the player must declare the automatic win before the hands are opened, otherwise the hands will play the way the player sets. The automatic win hands are as follows:

1. The Dragon Hand: Ace through King of any suit. This hand beats all other automatic win hands.
2. Any 13-card hand that has six pairs. Note that four-of-a-kind can be counted as two pairs.
3. Any 13-card hand that has suited cards in all three parts.
4. Any 13-card hand that has straights in all three parts.

A Straight Flush can be used as a Straight or a Flush for bonus hands.

Improperly Set Hands

A hand is set improperly if: Any part of the three segment hands has the wrong number of cards; or, any part of the three segment hands are set out of ranking order. Any player that sets his or her hand improperly must pay four points to all of the other players.

Eastern, Western and Mandarin Bonus Points Variations

Eastern Version point awarding Variation: The play of the poker game is the same as 13 Card Poker. In addition to the basic point system as in 13 Card Poker, bonus systems of awarding points is used for making certain hands in the front, middle and back positions. In addition to the basic point system, points can be earned on bonus hands as follows: (a) Bonus point hands in the back: (1) straight flush-five (5) points; (2) Four of a kind- four (4) points. (b) Bonus point hand in the middle: (1) straight flush - then (10) points; (2) Four of a kind - eight (8) points; (3) Full house - two (2) points. (c) Bonus point hands in the front: (1) Three of a kind - three (3) points. If a player wins two out of three hands, the player is awarded two points for their winning hands and loses one point to his opponent for a total of one point from that opponent. When a bonus hand is involved, the winning hand earns only the bonus hand points.

Western Version point awarding Variation: The play of the poker game is the same as 13 Card Poker. In addition to the basic point system, this point system awards one additional point to the poker player who wins the majority of hands. If a player beats his opponent two out of three hands, they receive a total of two points for their winning hands.

Mandarin Version point awarding Variation: The play of the game is the same as 13 Card Poker with opportunities to earn extra points. A player earns one point for each winning hand as in 13 Card Poker. Three of a kind in the front hand triples the point value. A bonus can be received which awards additional points for making certain hands in the front, middle and back positions. If a bonus hand is present, the points for that bonus hand are then added on. Two special bonus situations can occur, the "shot" and the "home run." A "shot" situation occurs when a player wins all three hands against an opponent. The regular point value for each hand is doubles and added to the total. A "home run" situation occurs, only in a four-handed game, when a player wins all three hands on the showdown against all three of their opponents. The regular point value for each hand is tripled and added to the total.