Keluaran Hk

Keluaran Hk and Baccarat

Baccarat is an elegant game played in the high-limit section of casinos. The baccarat table is about the size of a craps table and can seat 12 to 14 players. A unique feature of baccarat is that the players take turns dealing the cards. Another baccarat privilege is the right to mangle the cards, a fresh shoe is dealt every time anyway. The game is entirely of luck and is similar to betting on the toss of a coin. In Las Vegas the minimum to play baccarat usually ranges from $100 to $1000. The minimums are not as high in Atlantic City, starting at $25. (Editor’s note: Most online casinos have a minimum of $10, as opposed to $1 or $2 for other table games like blackjack)

The Rules

Baccarat is played with eight decks of cards. Each numbered card less than ten is worth its face value, aces are worth 1, and tens and face cards are worth 0. The suit does not matter.

Play begins by all players betting either on the ‘player’, ‘banker’ or a tie. I put player and banker in quotes because that is the correct terminology but they do not necessarily represent the dealer or the actual players.

After all bets are down the dealer gives two cards each to the player and the banker. The score of the hand is the right digit of the total of the cards. For example if the two cards were an 8 and a 7, then the total would be 15, and the score would be a 5. The scores will always range from 0 to 9 and it is impossible to bust.

A third card may or may not be dealt to either or both the player and the dealer depending on the following rules.

If either the player or the banker has a total of an 8 or 9 they both stand. This rule overrides all other rules.

If the player’s total is 5 or less then the player hits, otherwise the player stands.

If the player stands, then the banker hits on a total of 5 or less. If the player does hit then use the following chart to determine if the banker hits (H) or stands (S).


Score Player’s Third Card

0 1 2 3 4 5 6 7 8 9

7 S S S S S S S S S S

6 S S S S S S H H S S

5 S S S S H H H H S S

4 S S H H H H H H S S

3 H H H H H H H H S H

2 H H H H H H H H H H

1 H H H H H H H H H H

0 H H H H H H H H H H

The score of the player and dealer are compared, the winner is the one which is greater. Winning bets on the banker pay even money less a 5% commission, winning bets on the player pay even money, and winning bets on a tie pay either 8 to 1 or 9 to 1 depending on where you play. Regardless of whether the tie pays 8:1 or 9:1 it is a very bad bet and should be avoided.

You may wonder how the dealer collects the 5% commission on winning banker bets. If they did so after every hand it would involve a lot of change and slow down the game. To avoid this during the course of play the dealer will pay even money to winning banker bets and consider the 5% an IOU. As the dealer plays through an eight-deck shoe he will keep track of the commissions every player owes. At the end of the shoe or when a Keluaran Hk player wants to leave mid-shoe the dealer will collect on the commissions. Make sure you don’t run out of money with outstanding commissions. (Editor’s note – the dealer’s 5% commission is automatically collected at online casinos)

The House Edge

Except for the tie bet, baccarat is one of the best bets in the casino. The following table shows the house edge on all available bets.

Bet House Edge

Banker 1.06%

Player 1.23%

8:1 Tie 14.18%

9:1 Tie 4.57%

Mini Baccarat

Mini baccarat follows the same rules as that played on the big table but is played on a smaller blackjack size table. The dealer always handles the cards and thus the game is very fast paced. Without the atmosphere of the big table, mini baccarat can become boring quickly in my opinion.

Commission Free Baccarat

Beware this version of baccarat in which a winning banker bet pays even money with no commission. The catch is that a winning bet on the banker with a total of 6 only pays 1:2 odds. The house edge on the banker bet is 1.62%.