The rules of Punto Banco Baccarat are pretty simple. The first thing to note is that all cards have a fixed points value but these values are quite different from what you’ll find in Blackjack and other casino games.
The Ace is only worth 1 point; cards numbered 2 through to 9 are worth their face value; all others are worth 0 points.
Two cards are dealt to both the Player and the Banker during the first round. These cards are dealt face-down but they are turned at the end of the round, with the values then being counted.
If one of the hands shows an 8 or a 9, they are the winner and the game is over, if not then another card is drawn. Ultimately, the winning hand is the one that is closest to 9 and the winning player is the one that bets on this outcome.
There are three bets to place on a game of Baccarat. You can either bet on the Player’s hand, the Dealer’s hand, or a Tie. Although it’s much less common, there is also a variant of Baccarat known as Baccarat Banque. As with Chemin de Fer, this is simply not used on online Baccarat variants because it’s deemed to be unsuitable for virtual play. It’s also simply not as popular or as familiar as Punto Banco.
This is why Punto Banco, which is also known as North American Baccarat, has become synonymous with Baccarat. This is also true in New Zealand, where many players only recognize the Player/Banker version of the game.