As in regular Baccarat, Mini Baccarat involves just a few decisions, how much you want to bet and whether to be on the BANK, the PLAYER or on the TIE bet. In betting on the BANK, the casino will collect 5% commission on money won. The commission is paid at the conclusion of each Shoe. A winning TIE bet pays 8 to 1.
In Mini Baccarat, six or eight decks of cards are used. And just as in Baccarat, the cards are shuffled by the Dealer and placed in the Shoe. However, all cards in Mini Baccarat are dealt by the Dealer. The game starts with four cards dealt from the Shoe, forming two hands, one called the PLAYER'S hand, the other the BANKER'S hand. The initial four cards are dealt alternately from the Shoe. The first and the third cards dealt are placed face down for the PLAYER'S hand. The second and fourth cards are placed face down until the PLAYER'S hand is called. At this time, the second and fourth cards shall be placed face up for the BANKER'S hand.
As in the game of Baccarat, if the point count of either hand is 8 or 9, it is called a "natural," and no additional cards are drawn. The cards are dealt according to fixed rules. There are no options regarding drawing the third card for either PLAYER'S or BANKER'S hand. No more than one additional card will be drawn to each hand. The dealer announces the point count of the PLAYER'S hand and the BANKER'S hand and draws additional cards if appropriate. All bets must be placed before the dealer calls "no more bets" and the cards are dealt. The hand closest to 9 wins and shall be paid at odds of 1 to 1. If both the PLAYER'S and BANKER'S hand result in identical totals, the TIE bet wins, but the PLAYER'S and BANKER'S hand neither wins nor loses.
Any card from 2 to 9 shall have its face value, Ace equals 1, Deuce is two. All tens and face cards, or any combination of them have no value. When the total of the cards exceeds 9, the first digit of the total is dropped, because in the game of Mini baccarat all hands must be a single digit number from 0 to 9. So: 9 + 5 = 4, Jack + Ace = 1.
These charts describe the fixed rules governing the drawing of additional cards.