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The final table shows the house edge on each bet according to the number of decks.
This is a side bet rumored to be seen at the Atlantic City Hilton. There are three bets available on the total number of final player and banker cards. 4 cards pays 3 to 2, and 5 and 6 pay 2 to 1. The following table shows the probability of winning and expected value of each bet, based on six and eight decks.
Lucky Bonus is a side bet found in the commission-free baccarat game at the Pala casino in California. The bet pays 18 to 1 if the banker gets a winning 3-card six. The table below shows a player advantage of 2.34%. That is not a mistake; the bet has a player advantage. However, the player can not bet more than 10% of his banker bet on the Lucky Bonus. The house edge on the banker bet is 1.33%, for a combined house edge of 1.11%.
3-Card Six is a side bet found in the commission-free baccarat game at the Pala casino in California. The bet pays 100 to 1 if both player and banker get a 3-card six, 8 to one if one of them does, and loses otherwise. The table below shows a house edge of 13.37%.
The Dragon Bonus is a side bet found in the EZ Baccarat game at the Barona casino in California. The bet pays 40 to 1 if the banker gets a winning 3-card 7. The table below shows a house edge of 7.61%.
I have an uncomfirmed report that at some casinos in London have a side bet on a the player or banker getting a king and queen in the first two cards, called the "Royal Match." It should not be confused with the side bet of the same name in blackjack. The bet pays 75 for 1 for a suited king/queen, and 30 for 1 for an unsuited king/queen. A single bet pays for both player and banker hands, so the return column in the following table is the product of the probability, win, and 2 (for two hands). The lower right cell shows a return of 97.87%, for a house edge of 2.13%.
On January 12, 2010 I noticed an electronic baccarat game at the Bellagio, in which multiple players play against an animated dealer on a video screen. The rules looked standard, except there were a pair of pair bets (player and banker) that paid a premium for a three of a kind. As the tables below show, the probability of a Player three of a kind is 0.3036%, and 0.2835% on the Banker. However, strangely, the Player three of a kind paid more at 75 to 1 than the Banker three of a kind at 68 to 1. The following two tables, based on eight decks, show the overall house edges are 5.27% on the Player, and 8.57% on the Banker.
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Baccarat Appendix 5