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How to Play Mini Baccarat

John Ford | February 20, 2024 | Updated on: February 20th, 2024

Mini baccarat is a compact version of baccarat played on a smaller table. This game is played with eight (8) decks of cards, allowing up to seven (7) players at a time. It’s a fast-paced game where the dealer shuffles and deals, leaving no room for player decisions on drawing or standing. Instead, predetermined rules dictate when each hand receives additional cards, adding an element of suspense to the game.

We cover the rules of the game in detail below. If you already know how to play, Café Casino offers the best mini baccarat options and a welcome bonus of up to $ 2500 to get you started.

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Mini Baccarat Games - How to Play Mini Baccarat

How to Play Mini Baccarat – Mini Baccarat Rules

Mini baccarat is a fast-paced and exciting casino game derived from traditional baccarat. Here’s a breakdown of how to play, focusing on the Player and Banker rules:

Basics Rules

  • Played with 8 decks of cards.
  • Face cards and 10s have a value of 0.
  • Aces have a value of 1.
  • Only the rightmost digit of the total hand value matters (e.g., 8 + 7 = 15, but only 5 counts).
  • The objective of the game is to bet on the hand (Player/Banker) that gets closest to 9.


  • Players place bets on either the Player’s hand, Banker’s hand, or a Tie.
  • Bets cannot be placed on both Player and Banker simultaneously.


  • Dealing: Two cards are dealt face down each to the Player and Banker.
  • Card Drawing: Based on specific rules (explained below), the Player or Banker may receive a third card.
  • Winning Hand: The hand closest to 9 wins. In case of a Tie, players receive their bets back.

Player Rules

  • Player draws a third card if their initial total is 0-5, unless the Banker has a natural 8 or 9.
  • Player stands on 6, 7, 8, or 9.
  • No decision-making involved; rules dictate drawing or standing automatically.

Banker Rules

  • Banker draws on 0, 1, or 2, unless the Player has a natural 8 or 9.
  • Banker stands on 7, 8, or 9.
  • Drawing rules are slightly more complex compared to the Player.

Mini Baccarat Table Layout

Mini Baccarat Table Layout

Compared to its larger cousin, regular baccarat, mini baccarat tables prioritize smaller-scale, faster gameplay with lower betting limits. However, the core rules and excitement remain the same.

While the fundamentals remain the same, understanding the table layout is crucial for navigating the betting options.

At the heart of the table lie three dedicated betting areas: Player, Banker, and Tie. Players choose whether to back the Player’s hand or the Banker’s hand or predict a draw. Some tables offer additional side bets, like wagering on the presence of pairs or specific point values in the hands.

Seating is typically arranged around the table, usually accommodating 7-14 players. Interestingly, the number 13 is often absent due to superstitious beliefs. Opposite the players lies the dealer’s domain, equipped with a card shoe, discard tray, and chip rack to manage the game flow.

Bet limits are clearly displayed to guide players, and a separate commission box collects the 5% fee charged on Banker wins. A designated card reading area ensures everyone has a clear view of the dealt hands.

Mini Baccarat Odds

In Mini Baccarat, the odds are primarily associated with the different bets players can make. Here are the key betting options and their corresponding odds:

Player Bet

  • Odds: Even money (1:1)
  • Description: Betting on the Player hand to win. If the Player hand wins, you receive a payout equal to your wager.

Banker Bet

  • Odds: Even money with a 5% commission on winnings
  • Description: Betting on the Banker hand to win. If the Banker hand wins, you receive a payout equal to your wager, but a 5% commission is deducted from the winnings.

Tie Bet

  • Odds: 8 to 1
  • Description: Betting that the Player and Banker hands will tie in total points. If a tie occurs, you receive a payout of 8 times your wager.

Midi Baccarat Vs Mini Baccarat

Both midi and mini baccarat offer exciting variations on the classic game, but key differences can influence your playing experience. Here’s a breakdown to help you choose:

Aspect Midi Baccarat Mini Baccarat
Table Size: Medium-sized table Smaller table
Number of Players: Around 9 players Around 7 players
Dealer Handling: Dealer handles cards Cards often dealt face-up
Game Pace: Moderate pace, influenced by players Faster pace, dynamic gameplay
Betting Limits: Higher limits Lower limits, more accessible

House Edge in Mini Baccarat

The house edge in mini baccarat is relatively low compared to other casino table games, making it an ideal casino game for players. The house edge is a statistical advantage that the casino has over the players, and it is expressed as a percentage of the initial bet. In mini baccarat, like in a regular baccarat game, the house edge varies depending on the type of bet.

Banker Bet House Edge

The Banker bet has the lowest house edge in mini baccarat. On average, the house edge for the Banker bet is around 1.06%. This is because, in addition to the natural odds of the game, a 5% commission is usually charged on winning Banker bets. Despite the commission, the Banker bet remains the most favorable option for players due to its lower house edge.

Player Bet House Edge

The Player bet has a slightly higher house edge compared to the Banker bet. The house edge for the Player bet is approximately 1.24%. While it doesn’t involve a commission like the Banker bet, the slightly higher house edge makes it a slightly less favorable option.

Tie Bet House Edge

The Tie bet has the highest house edge among the three main bets in Mini Baccarat. The house edge for the Tie bet is typically over 14%, making it a riskier choice. While the potential payout for a winning Tie bet is higher, it is less likely to occur, resulting in a higher house edge.

Mini Baccarat Strategy

Mini baccarat is a game largely based on chance, and its simplicity makes it approachable for players of all levels. While there is no guaranteed winning strategy, here are some tips that players often consider when playing mini baccarat:

1. Stick to the Basics

Focus on the basic bets – Player, Banker, or Tie. These are straightforward and have different house edges.

2. Banker Bet Advantage

The Banker bet tends to have a slightly lower house edge compared to the Player bet. Although a 5% commission is applied to Banker wins, it’s often considered a favorable bet in the long run.

3. Manage Your Bankroll

Set a budget for your gaming session and stick to it. Consider how much you are willing to risk and avoid chasing losses.

4. Avoid the Tie Bet

Although the tie bet pays more than both the Player and Banker hand it has a much higher house edge. It’s generally considered a riskier bet, and many experienced players avoid it.

5. Bet Consistently

Choose a betting strategy that suits your risk tolerance and stick to it. Whether you prefer flat betting or a more progressive approach, consistency can help manage your bankroll.

Mini Baccarat FAQs