Mini Baccarat Online – Rules and How to Play this Variant

Mini Baccarat is an enjoyable and simplified version of the Baccarat game played on a pretty small table. Although it’s fast-paced, it has simple gameplay and great side bets and bonuses. The Dragon Bonus is the most popular feature in this game, and it allows you to win based on how many points your selected hand achieves.

Mini-Baccarat is played using 8 decks of cards, and up to seven players can play at once. It’s a popular variation at both brick-and-mortar and online casinos, and it features dynamic gameplay that follows the same rules as Punto Banco. It is the most straightforward of all casino table games, where you can gamble on the Player, the Banker, or the Tie.

The game’s objective is to gather the point count closest to the number nine. It provides the same thrills as the other variants, but it is a low-stakes game that allows players of different budgets to participate. If the tie is accurately predicted, players receive the highest reward, with an 8:1 payout. Keep reading to learn how to play Mini Baccarat and more exciting things about this version.

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How to Play Real Money Mini Baccarat Online?

Mini Baccarat table

Mini Baccarat is a basic card game played with six or eight decks of cards in which you must determine who will win or if a tie will happen. The game requires you to make two decisions:

How much do you want to wager, and whether you want to gamble on the Player, Banker, or Tie bets.

If you wish to bet on the Player or Banker’s hand, make your stake in the “Banker” or “Player” sections. Also, there may be other players, but you are not competing with them.

  • Players place their bets on one of three betting spots at the start of each round.
  • Like in Baccarat, the dealer will shuffle the cards and then place those in the shoe on the left side of the table.
  • When the dealer calls that no more bets would be accepted, two hands with four cards are created, the Player’s hand and the Banker’s hand.
  • The Player’s hand is given the first and third cards, while the Banker’s hand is given the second and fourth cards.
  • Then the dealer announces and reveals the winning point count for the Banker, Player, or tie.
  • Whoever has the closest value to the number 9 is declared the winner, and winning bets are awarded.

The tie bet wins if both the Player’s and Banker’s hands have the same value, but the Player’s and Banker’s hands do not win or lose. No additional cards are drawn if either hand’s point is 8 or 9 (a natural). If the bank hands miss natural, the Player always draws the third card on 0, 1, 2, 3, 4, and 5 & stands on 6, 7, 8, and 9. If the Player stands on 6 or 7, the Banker will always draw on 0 to 5. Alternatively, Banker stands on totals ranging from 6 to 9.

Mini Baccarat chips

Card Values and Mini Baccarat Rules

Cards dealt in the Mini-Baccarat are according to fixed regulations, and neither the Banker nor the Player hand can draw a third card. Each hand will get no more than one more card.

Eight decks of cards are involved in this game, with any card from 2 to 9 having its face value and Ace equaling one point. All tens, face cards like kings, queens, jacks, and any combination are worthless. When the total of the cards crosses nine, the first digit of the total is removed because all Baccarat hands must be a single digit between 0 and 9, with the relatively close number to nine wins.

Mini-Baccarat is played according to standard terms so that you can wager on the Player, the Banker, or a tie. However, there are several basic rules to be aware of that most casinos follow:

Player Rules

Card Values For Player Action to Take
1, 2, 3, 4, 5, 0 Draw a Card
6,7 Stands
8, 9 Natural Stands

Banker Rules

Banker Having Banker Draws When Player’s 3rd Card is Banker Does Not Draws When Player’s 3rd Card is
3 0, 1, 2, 3, 4, 5, 6, 7, & 9 8
4 2, 3, 4, 5, 6, 7 0, 1, 8, 9
5 4, 5, 6 or 7 0, 1, 2, 3, 8, 9
6 6 or 7 0, 1, 2, 3, 4, 5, 8, 9
7 Stands
8, 9 Natural Stands

Bets & Payouts

There are three betting places for the Player, Banker, and Tie bets on the Mini Baccarat table. These bets are placed before the dealer announces ‘no more bets,’ and the cards are drawn. Due to the fast-paced nature of the rounds, Banker is your best bet. So because the Banker’s hand is usually dealt last, there is a 51% probability that the banker hand wins. It has a 1.06% house edge and pays 1:1. The Player bet has a 1.24% house edge and pays even money.

The Tie bet is the most lucrative for players, with a 14% house edge and an 8:1 payout. But that’s not all there is to Mini-Baccarat bets. The Dragon Bonus is an extra side bet offered in this version, which we’ll go over in more detail below. Like in many other games of Baccarat, a minor commission of 5% is deducted from any bets won on the Bank hands, but no commission is deducted from the player-win.

Mini Baccarat gameplay

Mini Baccarat Side Bets: The Dragon Bonus

The Mini Baccarat variation includes an extra side wager known as the Dragon Bonus. It does not affect the drawing rules or the commission layout. This bonus is available to players in two ways:

  • If the chosen hand for which the Dragon Bonus wager is made is natural.
  • Second, if the chosen hand wins by four or more points.

This side bet is available on both the Player and Banker’s hands and pays the same odds. In the event of a natural tie, the dragon bonus pushes. If the winning hand is not natural, the side bet payout is determined by the winning margin, as follows:

Win Points                Payout
9 Points 30:1
8 Points 10:1
7 Points 6:1
6 Points 4:1
5 Points 2:1
4 Points 1:1

According to house processes, this side bet is paid out after settled regular bets. The house will instantly erase lost bets and reward winning Banker and Player wagers.

Tips and Strategies to Win at Mini Baccarat

Mini Baccarat is a fast-paced table game in which the cards dealt are face-up. Dealers in this game frequently complete 150 to 200 decisions every day. Although the stake minimum is far lower than in other versions, playing so many rounds quickly might lead to a losing streak.

When playing Mini-Baccarat, the best strategy is to gamble on the Banker bets till it loses. When the Banker loses, switch to the Player, and when the Player loses, switch back to the Banker. It will decrease the number of decisions you have to make in half, lowering your chance of losing.

A way to increase your games winning odds is opting for online casinos with mobile casino offers or app sign up bonuses. You will get a grasp of the game without using up your real funds, increasing your chances of winning real money afterwards. Some Mini Baccarat casinos on our list provide $10 no deposit, $20 no deposit, or even higher. Free spins no deposit are another way to accumulate funds without breaking the bank; picking the right real money Android casino app to play with $20 can help you win even as a beginner.

Software Providers and Variations of Mini Baccarat

The live streaming casino version of Mini-Baccarat is provided by renowned platforms like Playtech, Play’n Go, NetEnt Live Gaming, and Evolution Gaming. These software providers guarantee gamers enjoy a seamless playing experience at mobile baccarat apps, identical to a real casino table. Each offers its unique take on the baccarat experience, unique graphical designs, and other features.

The rules and gameplay are also basically the same. The only noticeable change is the card size, which is much more prominent in a couple of the versions. Aside from that, the changes are mainly stylistic.

There are three popular game variations: Punto Banco, Baccarat Banque, and Baccarat Chemin De Fer. Punto Banco is nearly identical to Mini-Baccarat. It, too, has the dealer handling everything while the players only place bets. In Baccarat Banque, one of the players will serve as the dealer for the game’s duration instead of Chemin De Fer, where all players have a chance.

Differences Between Mini and Midi Baccarat

Midi baccarat rules are similar to Mini baccarat rules but with one interesting twist. Instead of giving the cards face up, the dealer will deal the four cards face down, then push the Player cards to the person with the highest bet at the table and the Banker cards to the Player with the highest Banker bet. In both versions, the goal of the game is to acquire the point count closest to 9 on whichever hand the player bets on.

The commission is collected when each successful Banker bet is paid in both Baccarat versions. The objective of both games is to guess which hand will have the highest value.

Overall, the primary distinction between Mini Baccarat and Midi Baccarat is found in the game styles. The dealer handles and reveals all cards in Mini-Baccarat, but in Midi Baccarat, the Player with the highest stake (on either the player or banker wagers) does so.

Mini Baccarat bets


Mini-Baccarat is an attractive and straightforward game to play. As the name implies, this game has a smaller table that seats up to seven punters. The card game moves fast because of the small table and the dealer handling everything. The rules are also simple: the dealer gives the cards to the Player and the Banker’s hand, announces the action, and the closest number to nine wins. There are no distractions from other players during the rounds to worry about. Instead, you may focus just on placing your wagers. Winning bets (Player and Banker) payout at even money. Those that place and win tie bets will receive the highest prize. You will be rewarded 8:1 if you correctly predict that there will be a tie.

It is a game with seven seats on average for individuals to sit and enjoy. It’s exciting, you shouldn’t take wild swings, and you can chat with the other participants in relative peace. When you’re ready to try your luck with Mini-Baccarat, sign up at our top recommended online casinos. The DraftKings live dealer section provides this variant in a brick-and-mortar casino format, while Mini Baccarat at the FanDuel blackjack section is up for play in a video format. Both are attractive table games, with high odds and huge payouts via the Dragon Bonus side bet.

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