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Mini Baccarat – Rules, Payout & Strategy

Recently updated on December 1st, 2020

Mini Baccarat GuideIf you’re tired of the full-sized version, then mini baccarat games might be on the cards for you. This pint-sized game features the same rules as punto banco, but at a faster pace.

In this guide, we’ve compiled the rules, bets, payouts, house edge, strategies, and everything else you need to know. And our favorite online casinos currently offering this baccarat game.

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Game Objective

Your aim for this card game is to get a total of nine before the dealer. The dealer is known as the banker, while you will be the player. What makes it “mini” baccarat is that there’s only space for seven players at the table.

At the start, you will place a bet – on a tie, player, or banker hand – on the table. After that, it’s a matter of following the rules.

Mini Baccarat Rules

Mini Baccarat Rules

Like normal baccarat, numbered cards carry their face value, aces count as one, and face cards are zero. Cards are drawn face-up, which adds to the overall speed of the game.

When added together, you subtract ten for a value over nine, e.g., 7 and 4 equals one. With that in mind, these are the drawing rules you’ll follow:

Banker handBanker will always draw when the Player’s third card isDoes not draw when the Player’s third card is 
8 or 9Natural – No Draw


How to Play Mini Baccarat

Essentially, you play mini baccarat just like other versions and draw the cards from the shoe. In virtual baccarat, everything will be automated, while live games depend on a dealer.

  1. Beginning with your bets, you’ll place your chips on the designated areas, including side wagers.
  2. Then, you’ll receive your starting hand face-up and see if the winning hand is a natural eight or nine.
  3. If there’s no natural, you’ll draw a third card or stand on a seven while the dealer draws.
  4. When all cards have been dealt out, you’ll find out which is the winning hand.
  5. After that, you’ll receive a payout and go to the next round if you want to.

Bets, Payouts & Odds

Part of what makes mini baccarat a great version is the side bets, predicting either the points margin or card combinations.

Side Bets

Player or Banker Wins byPayout
9 points30:1
8 points10:1
7 points6:1
6 points4:1
5 points2:1
4 points1:1


Side Bet NameRTPHand is
Player Pair89.76%Any pair of equal cards
Banker Pair89.76%Any pair of equal cards
Perfect Pair86.97%Identical cards of the same suit
Either Pair86.29%Either the banker or player’s hand will be a pair
Big95.65%Bet on the total number of cards dealt out being five or six
Small94.72%Bet that only four cards are dealt out in the round


Mini Baccarat House Edge

  • Bet on the Banker – 1.17%
  • Player Wins – 1.36%
  • Tie – 14.12% at an 8:1 payoff
How to Play Mini Baccarat

Mini Baccarat Strategy

While you can typically use a betting strategy with any baccarat variant, it’s not recommended for mini baccarat. Progression betting systems are especially disregarded because your losses stack up faster in the casino game.

Still, you could take the odds on something other than the banker bet; it’s not against the terms and conditions. Plus, there’s always the other side bets you can test out for a little extra cash.

Playing Mini Baccarat for Real Money

Once you’re comfortable with the rules, payouts, and house edge, you can easily play mini baccarat at virtual or live dealer tables. This is one of the easiest games to learn, plus you can earn more cash at a fast pace.

More Baccarat Information