Online Baccarat for Real Money in Indian Online Casinos

Online Baccarat for Real Money in Indian Online Casinos

Baccarat is one of the most popular high-roller card games at land-based casinos. The game’s popularity is due to its dynamic nature, which makes it easy to play or quite complicated, depending on your chosen version. However, the game isn’t reserved for high rollers only at land-based casinos. You can also enjoy baccarat in India with much lower stakes from the comfort of your device. Online casino baccarat in India follows the same rules as the land-based casino version. Of course, there are variations, but the basics remain the same. 

Having said that, the intricacies that come with the game can be quite challenging. No worries, though, because we will explore everything there is to know about online baccarat. That includes how to play, the variations, the side bets, and betting strategies you can use to improve your winning chances. 

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Sukriti K. Written & published: 24.05.2023 By author Sukriti K.
Brad I. Reviewed & updated: 24.02.2024 By gambling expert Brad I.

About online baccarat

Online baccarat ranks among the popular card games that have entered the digital realm through online casinos. The online version is a virtual adaptation of the land-based baccarat game, allowing players to enjoy the excitement and thrill of the game from the comfort of their devices. But how did the game come to life?

Baccarat enjoys a rich history that goes as far back as the 19th century. Like other card games, such as blackjack, the game was played exclusively at brick-and-mortar casinos. And players often played high-stakes games. But with the rise of online gambling, baccarat is today accessible to players of all backgrounds. 

The rise of online gambling also gave birth to various game studios. As a result, several variations of baccarat online for real money have been created. They include  Punto Banco, Chemin de Fer, and Baccarat Banque. Each variation comes with its sets of rules, with slight differences in gameplay, which leads us to the game’s RTP. With different variations, the RTP is bound to oscillate over a certain range. However, baccarat often offers a high RTP, with a standard figure of 98%.

Online baccarat interface

  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface
  • Online baccarat interface

Rules of online baccarat

The game is simple to play online, with two hands involved. One for the player and the other for the banker. This game’s main objective is to have a hand with a higher total value, getting as close to 9 as possible. However, the game could also end in a tie. You must bet on one of the three outcomes to win in baccarat online for real money. Remember, in a baccarat game online, there’s no croupier. Instead, an RNG (Random Number Generator) deals the cards for the player and banker, both played by the dealer. James Bond isn’t the only one who can play baccarat. The following steps show how to play this game online. 

The game starts with you betting on the outcome. That means choosing whether the player or the banker will have the highest hand or the game will end in a tie. After placing your bet, the game will deal two cards facing up for the banker and the player. 

The values of both hands will be calculated by adding up the values of the individual cards. Whoever’s hand has a value closest to 9 wins. But the game ends in a tie if both hands have the same value. 

Note that the bets are settled based on the outcome, and if you bet on the winning hand, you will receive a payout according to the game’s odds. We’ll explore the payouts, odds, and card values later in this guide. Note that you can also bet crypto in baccarat if the online casino accepts cryptocurrency.

Baccarat Bet Types and RTP

Bet Type RTP Percentage
Banker 98.94%
Player 98.76%
Tie 85.64%
Banker Pair 89.64%
Player Pair 89.64%
Perfect Pair 91.95%
Either Pair 86.29%
Big 95.65%
Small 95.65%

Third-card rule in online baccarat

If the banker’s and player’s hands don’t total eight or nine, they can draw a third card. But the rules are different for both hands. The player will draw a third card if the hand is 0 to 5. If it’s 6 to 7, it stands. Since the player is dealt first, the banker will have a look, and if the player has a six or higher, it means the Player didn’t draw a third card. The banker will then draw a third card with 0 to 5 and stand with 6 to 7. 

However, if the player’s total is 0 to 5 and draws a third card, the banker will follow a different set of rules based on the player’s total:

  • Banker draws a card if the hand total is 0, 1, or 2. 
  • If the hand total is 3, the Banker draws unless the player’s third card is 8
  • If the hand total is 4, the Banker draws if the player’s third card is 2 to 7
  • If the hand total is 5, the Banker draws if the player’s third card is 4 to 7
  • If the hand total is 6, the Banker draws if the player’s third card is 6 to 7
  • Banker stands if the hand total is 7

Online baccarat variations


Baccarat has its roots entrenched in the French royal courts as far back as the 1400s. But after 600 years, the game has experienced multiple evolutions to give birth to new variations of the game. Today, online casinos in India offer some of the most popular forms. We explore some of these baccarat games.

  • No Commission Baccarat

    Later, we’ll discuss the 5% commission deducted from the banker wins and why this is so. However, you can escape this 5% commission by switching to the No Commission Baccarat version. In this variant, the Banker bet pays even money, except when the Banker wins with a total of 6. In such a case, the payout is 1:2. The main goal of this variation is to offer attractive offs to players, especially those who prefer to back the Banker. 

  • Mini Baccarat

    From the game’s title, Mini Baccarat is a simplified version of the regular Punto Banco baccarat. The game is played on a smaller table, but the most significant difference is that players can place lower stakes. The version follows the same rules as in the standard baccarat game. However, the game is often fast-paced. The simplified rules and smaller tables make Mini Baccarat more accessible to novice players and those who prefer a more casual gaming experience.

Online baccarat odds and payouts

Now that you know the different baccarat variations and how to play them, it’s time to learn the different odds and payouts. As we mentioned, you can bet on three outcomes when playing baccarat; the player, banker, and tie bet. Each bet has its odds and payouts as follows:

  • Player bet 

    As the name suggests, this is a bet on the player’s hand getting as close to nine as possible. It pays even money (1:1), meaning if you wager 1 rupee, you will receive 1 rupee in winnings. The odds of winning this bet are 44.63% leaving the house edge at 1.29% when playing with a single deck and 1.24% when playing with six and eight decks. 

  • Banker bet 

    This bet is placed on the banker’s hand winning, and unlike the player bet, it’s pretty lucrative. The payout is set at 9:20, but remember, there’s a 5% commission if this bet wins. The commission serves as a means for the casino to generate revenue and maintain the sustainability of the game. It contributes to the overall profitability of the casino while allowing players to enjoy the excitement and potential rewards of baccarat.

    Therefore, if you bet 1 rupee on the banker, you will receive 0.95 rupees in winnings. The house edge when placing this bet is 1.01% when playing with a single deck, but it goes higher when playing with six and eight decks to stand at 1.06%. 

  • Tie bet 

    When you place this bet, you predict that the banker’s and the player’s hands will have the same value. This is the most lucrative bet, although it comes with the lowest odds of 9.15% compared to the banker and player bets. The payout for a successful tie bet is 9:1 or 8:1. 

Online baccarat card values

You now know you need a hand close to 9 to win in baccarat. But what do you know about how to calculate the card values? Unlike other online casino card games, baccarat face cards have little to no value. The Ace is worth a point, and 10, queen, king, and jack are worth zero. All other cards are worth their face value. 

Live baccarat


livedealerThere’s more to online baccarat than just playing solo at your home. How about playing the game with other online players worldwide? Of course, that would be great, and that’s what live baccarat offers. When playing this game at a baccarat online casino, you experience the same feeling as you would at a land-based casino. This version aims to replicate the atmosphere of a land-based casino. You get the convenience of online gambling with the excitement of playing at a physical baccarat table. Here’s a detailed overview of live baccarat in online casinos. 

  • Live streaming

    Instead of meeting on a physical floor, game providers stream the action live and in HD from their studios. Sometimes, the providers stream the action from an actual land-based casino. To ensure players get the best immersive gambling experience, these studios use multiple high-definition cameras to capture the gameplay. That includes a camera for the dealer, the cards, and the baccarat table. 

  • Professional croupier

    Unlike RNG baccarat, where a computer algorithm deals the cards, live baccarat games have real-life, professionally trained dealers to manage the game. Furthermore, these games offer a real-time chat service that allows players to interact with the dealer, creating a social and engaging environment. With the cameras angled at the dealer, you can see them shuffling, dealing the cards, announcing the results, and guiding players through each hand. 

  • Game variations

    Like online baccarat offers an array of variants, the live version also comes with a stream of options. Some of the most popular options include Speed Baccarat, Squeeze Baccarat, and Multi Seat Baccarat, among others. Remember, each variation may have slight rule differences or unique features, catering to different player preferences. Players can choose the variation that suits their style and enjoy the corresponding gameplay.

  • Multiplayer experience

    Instead of playing against a computer algorithm, why not up the stakes and take the game to a real opponent? With live baccarat, you can play with other online players worldwide. And if you don’t fancy the idea of playing against strangers, some online casinos with baccarat games offer private tables where you can invite your best friends for a more personalised gaming experience. Furthermore, you can use the real-time chat service to interact with them. 

  • Mobile compatibility

    Online gambling was a preserve of those who had access to a desktop. But thanks to the evolution of technology, mobile devices such as smartphones and tablets have levelled the playing field. And with the advent of mobile devices, game studios have been forced to adapt and develop mobile-compatible games to keep up with the demand. Live baccarat is available on these devices, and players can enjoy a smooth gaming experience thanks to an optimised user interface. 

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Side bets in online baccarat 

Side bets are the proverbial two sides of a coin. They can offer the worst or best payouts. Furthermore, online casinos are sometimes known to create unique side bets. And while they offer massive payouts, they have low odds or a high house edge. We’ve listed some of the most popular types to help you navigate the different side bets available in baccarat. 

  • Either Pair

    If you place an Either Pair bet when playing a baccarat game online, you’re hoping that the player or the banker receives a pair in the first two cards dealt in the game. You will lose this bet if neither hand has a pair. The payout for the bet depends on the online casino and the game rules. The typical payout is 5:1, while the house edge is 14.54%.  

  • Perfect Pair

    The Perfect Pair side bet in online baccarat is based on the belief that the banker or player will be dealt a pair of identical cards that is in suit and rank in their first two cards. The payout here is higher than in the Either Pair bet, at 11:1, while the house edge is 17.07%. 

  • Dragon Bonus

    In a Dragon Bonus bet, you bet on the margin of the win between the banker’s and the player’s hand. Players must place this bet before the game starts by adding chips to the marked areas on the table, and it is based on the point difference between the two hands. Since there’s a point difference, there are different payouts. The maximum payout is 30:1 when you win by 9 points. However, if you win by 3 points or fewer, you lose the bet. The house edge when placing this bet is 2.65%. 

  • Big and Small bets

    This is one of the simplest side bets in baccarat. The bet is based on the total number of cards dealt in a specific round. If you place a wager on Big, you’re hoping that the total number of cards dealt is 5 or 6. But if you wager on Small, you’ll win if only four cards are dealt. The payout for the Big bet is 0.54:1, while the house edge is 4.35%. On the other hand, the Small bet pays out 1.5:1, with a house edge of 5.27%. 

  • Super 6

    This is another popular side bet in online baccarat. The Super 6 bet will win if the banker’s hand has a total of 6 points. This bet offers higher odds compared to the standard banker bet. But if the banker wins with any other bet, the Super 6 bet loses. Regarding payouts, Super 6 rewards you with 12:1, with a house edge of 29.88%. 

  • Quik (a combined-value bet) 

    This is a simple bet; all you need to do is predict the combined total of the banker and player points. The highest payout when playing this bet is 50:1, and this is if the combined value is 0. However, you lose the bet if the total points are 4 to 14. The house edge is 8.155%. 

  • Panda 8

    This side bet is common in the EZ Baccarat online game. If you place this bet, you’re hoping that the player achieves a total of 8 with three cards. However, the bet will lose if the player wins with any other total or if the banker wins. The payout for this bet is 25:1, while the house edge is 10.19%.

  • All Black

    As the name suggests, the bet focuses on the colour of the cards dealt. In this specific bet, players wager on all cards dealt in a specific round being black. The payout is quite lucrative, with a successful wager resulting in a 24:1 bet at a 13.76% house edge. 

Online baccarat providers

Baccarat may have evolved into different variations thanks to the emergence of game providers. However, as you may have challenges finding the best variation, finding a game provider with top online baccarat games can also be challenging. We dug deep to find the best options, and your job is now to choose. 

  • evolution

    Evolution

    Evolution is known for live dealer games, offering at least ten versions of live dealer baccarat. One version exclusive to the developer is Lightning Baccarat, which follows the Punto Banco rules. However, there’s a significant addition, and that’s a multiplier. Before the dealer deals the cards, a random multiplier will appear, and it will choose between one to five cards. The cards are randomly attached to a multiplier of 2x, 3x, 4x, 5x, or 8x. If the lightning card is among your winning cards, the payout will be multiplied by that value. Another exciting aspect of this game is the multiplier compounds. That means if you get two or three multiplier cards in a single hand, the multipliers will be multiplied before they are applied to the payout. 

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  • microgaming

    Microgaming

    The baccarat version from this popular game developer offers clear-cut visuals and a simplistic design suitable for beginners. Furthermore, the game follows the standard rules, with one deck of 52 cards. The game also offers a wide array of betting limits(about $2 to $500) without fancy features or gimmicky gameplay that may distract you from the game. Note that this game doesn’t come with a side bet. 

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  • Play’n GO

    Play’n GO

    Smooth animations characterise the online baccarat version by Play’n GO. Plus, the developer focuses on Mini Baccarat, a version with a smaller table, allowing for lower stake limits. The game uses six decks instead of the standard eight, but all decks have 52 cards. Similar to the Microgaming version, there are no side bets, but the RTP remains at 98.76%. 

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  • Pragmatic Play

    Pragmatic Play

    This game developer is also popular among players thanks to its Speed Baccarat version. As the name suggests, the game is played at a fast pace. The betting times are only 15 seconds, and the team draws the cards faster, thereby shortening the round even further. Furthermore, the game gas side bets that live casino players can take advantage of. 

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Online baccarat tips and tricks 

From the description of the game, baccarat is a game of chance. However, this game has an element of strategy and logic, and players can use the rules and cards to their advantage. Combining the two approaches will see you use different betting strategies to help you win. While you cannot control much of baccarat’s gameplay, you can control your bet and approach. 

When talking about strategies, you’re basically looking at two types of systems: pattern and betting systems. The former prioritises the order of the cards in a shoe, while betting systems focus on minimising losses, especially when in an unlucky period. The following baccarat strategies aim to improve your winning chances. 

1

Baccarat pattern systems

One of the biggest mistakes novice baccarat players make is betting on the banker only. There’s a solid reason for this: the banker has a better chance of winning statistically. But the difference between the player and banker winning is small, especially when using eight decks of cards. With such a big number of cards shuffled in the shoe, there’s a chance of hitting on the player or banker’s winning streak.

2

Break the doubles

This strategy is common among advanced baccarat players to slash the house edge. It is based on the belief that there is a pattern in baccarat where certain outcomes tend to occur more frequently than others. The idea is to capitalise on the occurrence of consecutive winning or losing outcomes and adjust your bets accordingly. 

Start by observing the outcomes of the game, focusing on whether there are consecutive wins or losses. Once you encounter three consecutive wins or three consecutive losses, you assume that a change in the streak is likely to occur.

If there are three consecutive wins, you bet on the Banker in the next round. If there are three consecutive losses, you bet on the Player in the next round. Continue following this pattern, adjusting your bets based on the streaks you observe during the game. 

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Conclusion 

Online casino baccarat in India offers a diverse and thrilling gaming experience for players seeking the excitement of this iconic card game. With a wide range of variations, such as Mini Baccarat, No Commission Baccarat, Chemin de Fer, and Baccarat Banque, players can explore different rules and strategies, ensuring something for everyone. Understanding the rules, payouts, and odds associated with each bet is crucial for maximising your chances of success. Whether you are a seasoned baccarat player or new to the game, online casino baccarat in India provides a convenient and accessible platform to enjoy this classic casino game from home. So, dive into the world of online casino baccarat in India and experience its elegance and excitement. Place your bets, challenge your luck, and immerse yourself in the captivating world of baccarat.

Online baccarat FAQ

Is online baccarat available in India?

Yes. Online baccarat is available in India on online casino sites. However, check your preferred site for valid licensing and whether the site offers different variants of the game.

How to play baccarat online?

The basics of baccarat are betting on the banker, the player, or a tie. And your bet is a prediction of whose hand will come closest to 9. Once you master the basics, you can advance to more complex side bets such as Player Pair and Panda 8, just to mention a few.

How much can I win in online baccarat?

The amount you can win in online baccarat depends on your bets and the game's payout rates. Wins can range from small amounts to significant payouts, depending on your wager and the outcome. You can win 9:1 on a Tie bet and way more on side bets.

Which baccarat bet has the best odds?

The banker bet offers the best odds statistically. This bet offers a slightly lower house edge of 1.01% to 1.06% compared to the player’s bet, with a house edge of 1.24% to 1.29%.

Can I play baccarat on a mobile device?

Yes, you can play baccarat on a mobile device. Many online casinos offer mobile-optimized versions of their platforms, allowing you to enjoy baccarat games on smartphones and tablets through web browsers or dedicated mobile apps.