How to Play Baccarat Online for Real Money? Earn with Fun88

Here’s a Beginner-friendly guide on how to play Baccarat Online. See the example of real money gameplay at Fun88 India with less betting rates and high returns.


Introduction to Baccarat Online

Baccarat is a casino game that has been around for a long time. It can be considered one of the legendary casino games as it is capable of making boring situations exciting because of its fast-paced nature. Thus, when you finally grasp the basics of Baccarat after reading this article, you will be able to enjoy this casino game and become a pro player in time.

When Baccarat made its way online, people came together in various online game rooms to bet and earn real money. Playing Baccarat online requires skills and an understanding of the insights of the game. Fun88 provides interesting game rooms that have some of the best deals to play Baccarat online. As a rookie, using Fun88 you will learn how to play Baccarat online from scratch!

How to Play Baccarat Online for Real Money – 3 Steps Guide

Now that you have gained an understanding of the rules and conditions of the games, let us help you play Baccarat online using 3 simple steps.

Step 1: Register at Fun88 & select Live Casino

  • In order to play Baccarat online as a beginner, we recommend you to make an account at and click on the “Join Now” button at the top right corner.


  • After Fun88 register, you need to click on the three dashes available at the top left side of your screen, and select “Live Casino”.

Step 2: Select Sexy Gaming Room to Play

  • Fun88 gives you 7 cool gaming rooms to play online in Baccarat. However, the room you want to select is the “Sexy Gaming” room. You will then be taken to the 7 rooms available, select the “Sexy Gaming” room.


  • Once done, you need to click on “Baccarat” and select which dealer you wish to play with by clicking on “Play”.

Note: The reason Sexy Gaming room is good for beginners is that it has the lowest bet amount. The minimum betting amount is ₹20 which can go up to ₹5,000.

Step 3: Place a bet with a minimum of ₹20

  • As the game is live, you will need to wait for a new betting round to begin. You can then place a ₹20 chip (recommended for a beginner) on whom you want to bet – Player, Banker, or Tie. Remember to confirm your bet by clicking on the “confirm”.


  • After the betting time ends, the dealer will then deal the cards to reveal whether you won the bet or not.

Important rules to play Baccarat online – One must know

Before we learn any game, a proper understanding of the rules is very important. Here, we have broken down the rules of playing Baccarat into the simplest steps and have divided this section into 3 parts for a better understanding.



Cards 2 to 9

Have their respective face value.
All ace cards


10, Joker, King, and Queen


The Objective and Basics of the Game

  • Like other casino card games, the pack of cards in Baccarat has its own values ranging from high to low.
  • The cards numbered 2 to 9 have their respective face values in the suit. Example: the 4 of spades card’s value is 4.
  • All Ace cards of each suit have a value of 1.
  • The King, Queen, Joker, and number 10 cards in the suits have 0 values.
  • The main motive of the game is to bet on any of the three on the Baccarat table: Player, Banker or Tie.
  • The objective of the game is to get a sum of 9 or a number closer to the number 9 through the cards that have been dealt.
  • If the cards sum up to more than the number 9, then you drop the first number. For instance, if the cards sum up to 14, then the 1 is dropped and the value is 4.
  • Thus, the game of Baccarat is purely based on Luck.

Note: Suits refers to Clubs (♣️), Diamonds (♦️), Hearts (♥️), and Spades (♠️) in a pack of cards.

Baccarat Gameplay


  • The game of Baccarat starts with you placing your bets, that is the casino chips, on the Player, Banker, or Tie. These bets are placed by you to predict which side will get 9 or the value closer to nine.
  • The dealer will then deal 2 cards on the Banker and Player side of the table.
  • Let’s say if the cards on the Player’s side are 3 of hearts and 4 of spades, the player would have the total value of 7 because 3+4 makes 7.
  • As for the cards on the Banker side, let’s say that they are 7 of hearts and 3 of spades, that would sum up to 10. However, the number 10 is more than 9 so we drop the 1 and what remains is 0, or in other words “Baccarat”.
  • In this scenario, the bets put on the Player wins.

Third Card Rules of Baccarat

Before we understand the Third Card Rules, it is important to take note that the rules for the Player side differ from that of the Banker side. However, when either side’s cards sum up to the value of 8 or 9, then nobody draws a third card as these values are considered to be “natural”. A third card in the Baccarat game will be drawn by the dealer when:


Player Side:

  • When the Player’s first two cards sum up to the value of 0, 1, 2, 3, 4, or 5, then a third card is drawn.
  • When the Player’s first two cards sum up to the value of 6 or 7, then no cards are drawn and the cards are held as they are.

Banker Side:

  • When the Banker’s first two cards sum up to the value of 3, a third card is drawn when the Player’s third card is any value between 0-9, excluding the value 8.
  • When the Banker’s first two cards sum up to 4, a third card is drawn when the Player’s third card is 2, 3, 4, 5, 6, or 7. If the Player’s third card is 1, 8, 9, or 0, then the Banker’s cards stand in place.
  • When the Banker’s first two cards sum up to 5, a third card is drawn when the Player’s third card is 4, 5, 6, or 7. If the Player’s card is 1, 2, 3, 8, 9, or 0, then the Banker’s cards stand in place.
  • When the Banker’s first two cards sum up to 6, a third card is drawn when the Player’s third card is 6 or 7. So, the Banker’s card stands when the Player’s third card is 1, 2, 3, 4, 5, 8, 9, or 0.
  • Lastly, if the Banker’s first two cards sum up to 7, the Banker’s cards stand.

Betting options & pay-outs at the Baccarat game

Now let us look into the betting options and Pay-outs of the Baccarat game. Here mentioned is an explanation of the game pay-out options in simple words. Understanding this will help you choose your betting strategies wisely.

Betting Option


Player Hand Bet


Banker Hand Bet


Tie Bet


Player Pair Bet

Banker Pair Bet






Any Pair


Perfect Pair


To understand the Pay Outs let us refer to the table above. Before that, we must understand that the odds of betting in Baccarat are not 50%-50%. Instead, the odds of the Banker winning are 45.86% and the odds of the Player winning are 44.62%. 9.52% are the odds of there being a Tie.

  • The Pay-out for the Player Hand Bet is 1:1. Meaning that the Player won the bet by getting a card with a value of 9 or closer to 9.
  • Similarly, the Pay-out for the Banker Hand Bet is 1:0.95, meaning that the Banker won the bet by getting a card with a value of 9 or closer to 9.
  • A Tie in the game of Baccarat is considered to be rare. It means that both, the Player and the Banker Hands have the same total.
  • the other bets mentioned in the table, excluding “Big” and “Small”, are known as side bets. Side Bets usually have a high pay-out rate.
  • The Player Pair and Banker Pair bets refer to the bet made on whether the Player or Banker will get a pair of cards, for example, 2 cards with the number 4 regardless of the suit, etc.
  • Any Pair Bet refers to whether a pair is created from the Banker and Player cards, respectively. Similarly, a Perfect Pair Bet refers to the bet made on whether the Banker or Player will have a pair of cards from the same suit.
  • Lastly, “Big” and “Small” on the table refer to whether the total number of cards on the table drawn is more (Big) or less (Small) than the value 4.

Real Money Gameplay of Baccarat Online at Fun88

Let us look at 2 examples of the Baccarat Gameplay at Fun88 India “Sexy Gaming” room.

Gameplay I – 2 Cards drawn

Round 1

  • The game begins with bets placed on either the Banker or Player, while the dealer deals the cards face down.


  • Here, the player has placed a 20-chip, that is ₹20 bet on the Banker before the timer ends.

Round 2

  • After the timer ends, the cards are revealed. Whichever side gets the number 9 or a value closer to 9, wins the bet.


  • Let us take a closer look at the gameplay in the image above. The cards dealt on the Player’s side are 10 ♣️ and 4 ♠️. On the Banker’s side, we have the cards 4 ♣️ and 5 ♦️.
  • Here, the Banker wins the bet as the sum of the cards on the Banker’s side sums up to 9 and the Player’s side sums up to 4. This is a natural win for the Banker.

Gameplay II – 3rd Card drawn

Round 1

  • The next round for Baccarat begins immediately. Thus, you need to place your bets again. You can also increase the amount of the bet placed.


  • This time, the player has placed the bet on the Player before the timer ends.

Round 2

  • The dealer deals with the cards and reveals the total value


  • The showdown of the gameplay in the image above shows that the Player’s side has the cards Ace ♥️ and 4 ♦️. Whereas the Banker’s side has the Q ♠️ card and the J ♣️ card, whose face values are 0.
  • Here, the total value of the Player and Banker sums up to 5 and 0, respectively. Thus, a third card needs to be drawn.

Round 3

  • The dealer deals with a third card to determine the winner of the bet. The third card is the last number of cards that can be drawn in a Baccarat game.


  • In the final third card showdown, the Player’s and Banker’s third cards are revealed to be a 2 ♣️ card and a J ♠️ card, respectively.
  • Here, the third card gives the Player a total of 7 while the Banker still remains 0. This indicates that the Player won the bet.

5 Bonus Tips to Earn More Real Money Fast at Baccarat Online

Know more baccarat winning strategies to win more real money playing baccarat at Fun88 India.

  1. Easy User Interface and Rules: When it comes to playing online, this can be difficult to understand the rules of the game if the interface of the game room is too technical. Thus, it is advisable to use a game room that has an easy-to-play interface that comes with easy basic rules for beginners. This way, it will be easy for you to grasp the game quickly and make money.
  2. Active Game Room: Besides the aforementioned point, it is also important to choose a game room that is active. This means you need to choose a room where there are many people playing. It is because more people would bet their money on the game and if you win the bets, you will have already won.
  3. Less Betting Rate: This goes without saying, it is always better to go for a game room that allows less betting rates. Like Sexy Gaming at Fun88 allows bets to be made with a minimum of 20 INR. Similarly, there are other gaming rooms on Fun88 that offer great deals.
  4. More Pay-Out Rate: Just as choosing an active gaming room with less betting rate is important, choosing a room with a more Pay-out rate is important. This means, that choosing a room that gives out more winning money than taking betting money, would be more profitable to you.
  5. Less House Edge Commission: Commission Rate or House Edge refers to the amount of money reduced from the winning money which is returned to the casino. This tip goes hand-in-hand with the aforementioned tip. Less House Edge would again be profitable to you. It is advisable to refer to come up with betting strategies to avoid high house commission rates.

Discover top 5 online betting sites to play baccarat and many more live casino games to to earn more real money.


If you have made it so far to read this, you must have gained most of the basic knowledge you need on how to play Baccarat online. However, do not let these overwhelm you. As a beginner, just keep in mind that besides all the technical rules of the game, the most important one is to have fun. Playing card games like Baccarat, in casinos or among friends, serves as a good way to pass time. So, with our guide, you can now play Baccarat online using Fun88. Happy Gaming!

Sharing is caring!

Related Posts