Three Card Baccarat

Three Card Baccarat is an exciting and fast-paced variation of the traditional casino game, Baccarat. Popular in Asian casinos, it has gained traction worldwide due to its simplicity and the added thrill of having three cards. In this article, Baccarat9 team explores the history, basic rules, betting strategies, tips, and etiquette for Three Card Baccarat.

Table of Contents

Welcome Bonus
+100% Up to €1,500 + 150 FS
New players. Full T&C apply. 18+.
No Deposit Bonus
150 Free Spins
New players. Full T&C apply. 18+.
Welcome Bonus
100% Up to 5 BTC + 180 FS
18+. New players only. Min deposit 20$. Max bet 5$. Bonus expiration – 7 days
Welcome Bonus
+100% up to €1000
New players. Full T&C apply. 18+.

History of Three Card Baccarat

Three Card Baccarat, like its classic counterpart, has its roots in Europe, dating back to the 15th century. The game evolved over time and was brought to Asia by European traders and colonizers. It has become a staple in many casinos throughout the continent, particularly in Macau, the gambling capital of Asia.

Basic Rules

Dealing the Cards

The game is played with a standard 52-card deck, and the objective is to have a hand with a higher value than the dealer’s. At the beginning of each round, both the player and the dealer receive three cards, face down.

Determining the Winner

In Three Card Baccarat, the card values are as follows: Aces are worth one point, 2-9 are worth their face value, and 10, Jack, Queen, and King are worth zero points. The hand’s total value is determined by adding the card values and taking the last digit of the sum. The highest possible hand value is 9.

Comparing Hands

The winner is the one with the highest hand value. In case of a tie, the hand with the highest-ranking single card wins. If there’s still a tie, the second-highest card is compared, and so on.

Betting in Three Card Baccarat

Types of Bets

There are three main types of bets in Three Card Baccarat: Player, Banker, and Tie. Players can bet on their own hand (Player), the dealer’s hand (Banker), or a tie between both hands.

Betting Strategies

While Three Card Baccarat is largely a game of chance, understanding the odds and house edge can help you make informed decisions. Banker bets tend to have a lower house edge than Player bets, making them a safer choice. However, many players enjoy the riskier Player bets for their potential higher payouts.

3-Card Baccarat
3-Card Baccarat

Three Card Baccarat Strategies and Tips

Banker vs. Player

As mentioned earlier, Banker bets usually have a lower house edge, so they can be a safer choice for conservative players. However, if you’re looking for a more exciting experience, Player bets can offer higher payouts.

Managing Your Bankroll

It’s crucial to establish a budget and stick to it when playing Three Card Baccarat. This will prevent you from chasing losses and help you maintain control over your gameplay. Set limits for both wins and losses, and be prepared to walk away when you reach them.

Reading the Table

Though Three Card Baccarat is predominantly a game of chance, observing the table’s trends and outcomes can help you make more educated bets. Look for patterns or streaks, and adjust your betting strategy accordingly.

3-Card Baccarat - How to Play
3-Card Baccarat – How to Play

Online vs. Land-Based Casinos

Pros and Cons

Both online and land-based casinos offer unique advantages and disadvantages when playing Three Card Baccarat. Online casinos provide the convenience of playing from home, with lower minimum bets and a wider variety of games. On the other hand, land-based casinos offer a more immersive experience, with the social aspect and the excitement of a live game.

Choosing an Online Casino

When selecting an online casino for Three Card Baccarat, consider factors such as licensing, reputation, game variety, bonuses, and customer support. This will ensure a safe and enjoyable gaming experience.

Welcome Bonus
  • Mostbet Casino offers a vast array of games, including slots, table games, live casino, sports betting, and esports, ensuring a diverse and engaging gaming experience.
  • Mostbet Casino is optimized for mobile devices, allowing players to enjoy their favorite games on smartphones and tablets.
  • For sports enthusiasts, Mostbet Casino provides competitive odds and a wide range of betting options, enhancing the excitement of sports betting.
  • Restricted Access in Certain Countries: Due to legal restrictions, Mostbet Casino may not be accessible in certain countries, limiting its availability to a global audience.
+100% Up to $300 + 250FS
Play Now
Pin Up
Welcome Bonus
  • Pin Up Casino offers a diverse range of games, including slots, table games, live casino, jackpot games, and tournaments, providing ample entertainment options for players.
  • The casino provides enticing bonuses, such as welcome bonuses and free spins, allowing players to boost their bankroll and enhance their gaming experience.
  • Pin Up Casino supports various currencies, including CAD, USD, EUR, and RUB, accommodating players from different regions.
  • Limited Availability: Pin Up Casino may have restricted access in certain countries, limiting the player base.
+100% up to $500 + 250FS
Play Now
Welcome Bonus
  • Wide selection of games, including Baccarat
  • Generous bonuses and promotions
  • Mobile app available for download
  • User-friendly platform
  • Secure and safe gaming environment
  • Some countries are restricted from playing
100% Up to €200 + 50 FS
Play Now
Welcome Bonus
  • Wide selection of casino games
  • Generous bonuses and promotions
  • Reputable and trustworthy gambling site
  • Multiple banking options for deposits and withdrawals
  • 24/7 customer service
  • Limited number of accepted currencies
100% Up to €1500 + 150 FS
Play Now

Safety and Security

In-Game Etiquette

When playing Three Card Baccarat in a land-based casino, it’s important to observe proper etiquette. This includes not touching your cards until the dealer instructs you to do so, placing your bets in a timely manner, and treating other players and the dealer with respect.

Protecting Your Information

In both online and land-based casinos, safeguarding your personal and financial information is crucial. When playing online, choose a reputable casino with secure encryption technology. At land-based casinos, be cautious about sharing your information and protect your chips and belongings.

Three Card Baccarat Rules
Three Card Baccarat Rules


Three Card Baccarat is an exhilarating variation of the classic Baccarat game, offering a unique twist with the addition of a third card. By understanding the basic rules, betting strategies, and maintaining proper etiquette, you can enjoy this fast-paced game in both online and land-based casinos. Remember to manage your bankroll and prioritize safety for a satisfying gaming experience.


  • What is the highest possible hand value in Three Card Baccarat?

    The highest possible hand value is 9.

  • How is the hand value determined in Three Card Baccarat?

    The hand value is determined by adding the card values and taking the last digit of the sum.

  • What are the main types of bets in Three Card Baccarat?

    The main types of bets are Player, Banker, and Tie.

  • What is the main difference between Three Card Baccarat and traditional Baccarat?

    The main difference is that in Three Card Baccarat, both the player and the dealer receive three cards instead of two.

  • Can I play Three Card Baccarat online?

    Yes, many online casinos offer Three Card Baccarat as part of their game selection.

Terence Summers port
Author Terence Summers

Baccarat expert and gambling author with more than 10 years of experience. He has developed his own approach to the game of baccarat, which he shares in his well-researched and informative articles.