The objective in First Person Baccarat is to predict whose hand will win by having the value closest to 9.
Game Rules
First Person Baccarat is played with eight standard 52-card decks. Card values are as follows:
- Aces are the lowest cards and are worth 1 point each.
- Cards from 2 to 9 are worth their numerical face values.
- 10s and face cards (jacks, queens and kings) are each worth 0.
Cards are burnt after each shuffle. At the start of a new shoe, one card is drawn face-up from the shoe. The number of cards to be burnt depends on the face value of the first drawn card. In this card burning procedure, 10s and face cards will have a face value of 10 and will result in 10 cards burnt. Cards are burnt by placing them in the burnt card holder.
Only the numeric value of each card is relevant in the main Baccarat game; each card’s suit (hearts, spades, clubs or diamonds) is irrelevant.
Prior to each deal, your bet has to be placed on whether the Player or the Banker will win the round by having the hand with a value closest to 9. You also have the option to bet that the round will end in a Tie, which occurs when both the Player and Banker hold hands of equal value.
Two cards are dealt each to the Player and to the Banker.
Two hands are dealt in Baccarat: one hand to the Player and one hand to the Banker.
If the Player and Banker hold hands of equal value, the round ends in a tie. The Tie bet wins, and bets on the Player and Banker push (are returned).
Each hand’s value is calculated by dropping the tens digit in a hand otherwise worth 10 or more. For example, a hand consisting of a 7 and a 9 is only worth 6 in Baccarat (because 16-10=6). Similarly, a face card plus a 9 will be worth 9.
If the Player or the Banker receives an initial two-card hand worth 8 or a 9 (a “natural” 8 or 9), no additional cards will be dealt to either hand.
If the Player and Banker receive initial two-card hands worth 0-7, the “Third Card Rule” is consulted to determine if a third card is to be dealt to either hand or both hands. The Player always goes first.
First Person Baccarat By Evolution Gaming
Player’s Hand
| Player’s initial two-card hand | |
| 0-1-2-3-4-5 | Player draws a third card. |
| 6-7 | Player stands. |
| 8-9 (a “natural”) | No third card to either hand. |
Banker’s Hand
| Banker’s initial two- card | Value of third card drawn by Player | ||||||||||
| No third card | 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | |
| 0 | D | D | D | D | D | D | D | D | D | D | D |
| 1 | D | D | D | D | D | D | D | D | D | D | D |
| 2 | D | D | D | D | D | D | D | D | D | D | D |
| 3 | D | D | D | D | D | D | D | D | D | S | D |
| 4 | D | S | S | D | D | D | D | D | D | S | S |
| 5 | D | S | S | S | S | D | D | D | D | S | S |
| 6 | S | S | S | S | S | S | S | D | D | S | S |
| 7 | S | S | S | S | S | S | S | S | S | S | S |
| 8 | S | S | S | S | S | S | S | S | S | S | S |
| 9 | S | S | S | S | S | S | S | S | S | S | S |
D – Draw; S – Stand
If the Player’s hand stands on a 6 or 7, then a Banker hand totalling 3, 4 or 5 must draw, while a Banker hand totalling 6 must stand.
Whoever gets the hand closest to a total of 9 wins.
Side Bets
| Side Bet | Description |
| P Pair | Pays if the first two cards dealt to the Player constitute a pair. |
| B Pair | Pays if the first two cards dealt to the Banker constitute a pair. |
| Perfect Pair | Pays 25:1 if two identical cards (in terms of value and suit) are dealt as the first two cards to either the Banker or the Player. Pays 200:1 if two identical cards (in terms of value and suit) are dealt as the first two cards to both the Banker and the Player. |
| Either Pair | Pays if either the Banker or the Player hand is a pair. |
| Super 6* | Pays 15:1 if Banker wins with a score of 6. Please place main bet (Player/Banker/Tie) first in order to place the side bet. |
| P Bonus | Pays when the Player wins the round on a natural 8 or 9 or by at least four points. |
| B Bonus | Pays when the Banker wins the round on a natural 8 or 9 or by at least four points. |
*This side bet is applicable to No Commission Baccarat.
Payouts
Your payout depends on the type of bet placed.
| BET | PAYS |
| Player | 1:1 |
| Banker | 0.95:1 (5% commission is charged) *1:1 0.5:1 when Banker wins with 6 |
| Tie | 8:1 |
| P Pair | 11:1 |
| B Pair | 11:1 |
| Perfect Pair | One pair: 25:1 Two pairs: 200:1 |
| Either Pair | 5:1 |
| Super 6** | 15:1 |
|
P Bonus/B Bonus | Hand Combination Odds Non-Natural hand wins by 9 points, 30:1 Non-Natural hand wins by 8 points, 10:1 Non-Natural hand wins by 7 points, 6:1 Non-Natural hand wins by 6 points, 4:1 Non-Natural hand wins by 5 points, 2:1 Non-Natural hand wins by 4 points, 1:1 Natural win, 1:1 Natural tie, Push |
Please note that any malfunction voids the game round and all eventual payouts for the round. Bets will be returned.
* Payout for Banker bet in No Commission Baccarat
** Applicable to No Commission Baccarat
Return to Player
The optimal Return to Player (RTP) percentage for First Person Baccarat is 98.76%, based on Player bet for No Commission Baccarat.
The following table displays the return-to-player percentage on the different optional side bets.
| Side Bet | Return to Player |
| B Pair | 89.64% |
| P Pair | 89.64% |
| Perfect Pair | 91.95% |
| Either Pair | 86.29% |
| Super 6** | 86.18% |
| P Bonus | 97.35% |
| B Bonus | 90.63% |
** Applicable to No Commission Baccarat
