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Last Updated: October 24, 2016

Baccarat Side Bets

Dragon Bonus



The "Dragon Bonus" is a popular pair of side bets in mini baccarat. The following two tables show the possible outcomes of both the banker and player Dragon Bonus bets, based on eight decks. The lower right cells show a house edge of 2.65% on the player Dragon Bonus and 9.37% on the banker Dragon Bonus.

Dragon Bonus — Player

Event Pays Combinations Probability Return
Win by 9 30 18,409,431,764,992 0.003683 0.110492
Win by 8 10 34,097,645,543,424 0.006822 0.068217
Win by 7 6 89,590,261,473,280 0.017924 0.107543
Win by 6 4 141,238,897,317,888 0.028257 0.113027
Win by 5 2 166,169,165,987,840 0.033244 0.066489
Win by 4 1 186,780,352,174,080 0.037368 0.037368
Natural win 1 812,685,054,124,032 0.162589 0.162589
Natural tie 0 89,325,908,267,520 0.017871 0
Loss -1 3,460,101,558,850,300 0.692242 -0.692242
Totals 4,998,398,275,503,350 1 -0.026517

Dragon Bonus — Banker

Event Pays Combinations Probability Return
Win by 9 30 15,390,342,909,952 0.003079 0.092372
Win by 8 10 28,305,092,784,128 0.005663 0.056628
Win by 7 6 79,517,099,278,336 0.015909 0.095451
Win by 6 4 119,200,072,366,080 0.023848 0.095391
Win by 5 2 157,275,882,332,160 0.031465 0.062931
Win by 4 1 201,147,167,287,296 0.040242 0.040242
Natural win 1 812,685,054,124,032 0.162589 0.162589
Natural tie 0 89,325,908,267,520 0.017871 0
Loss -1 3,495,551,656,153,850 0.699334 -0.699334
Totals 4,998,398,275,503,350 1 -0.093731

The final table shows the house edge on each bet according to the number of decks.

Dragon Bonus House Edge

Number
of decks
Player
House Edge
Banker
House Edge
4 2.70% 9.42%
6 2.67% 9.39%
8 2.65% 9.37%

4-5-6



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.

4-5-6 Side Bet — 6 Decks

Total
Cards
Probability Pays Return
4 0.378925 1.5 -0.052688
5 0.303540 2 -0.089380
6 0.317535 2 -0.047395

4-5-6 Side Bet — 8 Decks

Total
Cards
Probability Pays Return
4 0.378868 1.5 -0.05283
5 0.303444 2 -0.089668
6 0.317687 2 -0.046939

Big and Small



The Big and Small are side bets found at Internet casinos using Playtech software.

The Small bet is the same as the 4 bet above, paying 3 to 2 if the total Player and Banker cards equals four. Based on six decks, the probability of winning is 37.8925% and the house edge is 5.26875%.

The Big bet pays if the total Player and Banker cards equals five or six and pays 0.54 to 1. Based on six decks, the probability of winning is 61.1075% and the house edge is 4.35445%.

Either Pair



The Either Pair bet can be found at Internet casinos using Playtech software. It pays if the first two cards of the Player or Banker form a pair. A win pays 5 to 1. The following table shows the probability of winning and expected return under for six and eight decks. They use six at Playtech.

Either Pair

Decks Probability Exp. Ret.
6 0.142439 -0.145365
8 0.143817 -0.137099


Perfect Pair



The Perfect Pair bet can be found at Internet casinos using Playtech and Evolution Gaming software. The two software companies follow different rules, as follows.

Playtech Rules

Under the Playtech rules, the Perfect Pairs bet pays if the first two cards of the Player or Banker form a suited pair. A win pays 25 to 1. The following table shows the probability of winning and expected return under for six and eight decks. They use six at Playtech. The following table shows the probability of winning and expected return for six and eight decks.

Perfect Pair — Playtech Rules

Decks Probability Exp. Ret.
6 0.031896 -0.170716
8 0.033450 -0.130294


Evolution Gaming Rules

The Evolution Gaming rules are the same as the Playtech rules, except if both the Player and Banker hands are equal in both rank and suit (but not necessarily to each other), then the bet shall pay 250 to 1, instead of 25 to 1. Eight decks are used instead of six. The following table shows the probability and contribution to the return of all possible outcomes. The lower right cell shows a house edge of 6.62%.

Perfect Pair — Evolution Gaming Rules

Event Pays Combinations Probability Return
Two perfect pairs 250 2,101,008 0.000285 0.071176
One perfect pair 25 244,747,776 0.033166 0.829138
No perfect pairs -1 7,132,734,336 0.966550 -0.966550
Total 7,379,583,120 1.000000 -0.066235


Lucky Bonus



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 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%.

Lucky Bonus — 8 Decks

Event Pays Combinations Probability Return
Banker win on 6 18 269232304455680 0.053864 0.969547
All other -1 4729165971047680 0.946136 -0.946136
Total 4998398275503360 1 0.023411

3-Card Six



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%.

3-Card Six — 8 Decks

Event Pays Combinations Probability Return
Two three-card 6 100 11932746197248 0.002387 0.238731
One three-card 6 8 347224932859904 0.069467 0.555738
All other -1 4639240596446200 0.928145 -0.928145
Total 4998398275503350 1 -0.133676


 

Lucky Six



Lucky Bonus is a side bet found in the commission-free baccarat game at the Marina Bay Sands in Singapore, known there as Nepal Baccarat. The bet wins if the Banker has a winning total of six. It pays 20 to 1 if the Banker hand is composed of three cards, and 12 for two cards. The following table shows the probability and contribution to the return for each possible outcome, based on eight decks. The lower right cell shows a house edge of 16.68%.

Lucky Six — Eight Decks

Event Pays Combinations Probability Return
Winning 3-card 6 20 83,058,367,551,488 0.016617 0.332340
Winning 2-card 6 12 186,173,936,904,192 0.037247 0.446961
Other -1 4,729,165,971,047,680 0.946136 -0.946136
Total 4,998,398,275,503,360 1.000000 -0.166836

 

Super 6



The Super 6 is a side bet on a winning Banker total of 6 played on what I call the U.K. variant of commission-free baccarat. This side bet can be found at some Internet casinos with a live dealer feature.

The Super 6 pays 12 to 1 on a winning Banker total of six. The following table breaks down the odds. The lower right shows a house edge of 29.98% (ouch!).

Super 6

Event Pays Combinations Probability Return
Winning Banker 6 12 269,232,304,455,680 0.053864 0.646365
All other -1 4,729,165,971,047,680 0.946136 -0.946136
Total 4,998,398,275,503,360 1.000000 -0.299772


Dragon 7



The Dragon Bet is a side bet found in the game EZ Baccarat. 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%.

Dragon 7

Event Pays Combinations Probability Return
Banker win on 3-card 7 40 112633011329024 0.022534 0.901353
All other -1 4885765264174340 0.977466 -0.977466
Total 4998398275503360 1 -0.076113


For information on counting the Dragon 7 bet, visit my page Card Counting the Dragon Side Bet in EZ Baccarat by Eliot Jacobson.

Panda 8

The Panda 8 is a side bet found in some EZ Baccarat games. The bet pays 25 to 1 if the player gets a winning 3-card 8. The table below shows a house edge of 10.19%.

Panda 8

Event Pays Combinations Probability Return
Win 25 172,660,763,262,976 0.034543 0.863580
Lose -1 4,825,737,512,240,380 0.965457 -0.965457
Total 4,998,398,275,503,360 1.000000 -0.101876

For information on counting the Panda 8 bet, visit my page Card Counting the Panda 8 Side Bet in EZ Baccarat.

Royal Match

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%.

Royal Match — 8 Decks

Event Pays Combinations Probability Return
Suited K/Q 75 256 0.002966 0.444856
Unsuited K/Q 30 768 0.008897 0.533828
All other 0 85296 0.988137 0
Total 86320 1 0.978684

Bellagio Bet

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.

Player Pair — 8 Decks

Event Pays Combinations Probability Return
Three of a kind 75 15173295632640 0.003036 0.227672
Pair 9 358201033380864 0.071663 0.644968
Loser -1 4625023946489860 0.925301 -0.925301
Total 4998398275503360 1 -0.05266

Banker Pair — 8 Decks

Event Pays Combinations Probability Return
Three of a kind 68 14171102634240 0.002835 0.192789
Pair 9 359203226379264 0.071864 0.646773
Loser -1 4625023946489860 0.925301 -0.925301
Total 4998398275503360 1 -0.085739


Color in Majority



This is a set of three side bets I noticed at a live dealer Internet casino. The odds are adjusted at each betting opportunity, as the shoe is dealt. The following table shows the odds at the beginning of an eight-deck shoe and converted to a "to one" basis. Why "more black cards" pays more than "more red cards," I have no idea. The odds are exactly the same on both.

Color in Majority

Event Pays Combinations Probability Return
More red cards 1.5 1,892,467,242,879,610 0.378615 -0.053463
More black cards 1.53 1,892,467,242,879,610 0.378615 -0.042104
Equal red and black cards 2.87 1,213,463,789,744,120 0.242771 -0.060476


All Red/Black



This is a set of two side bets I noticed at a live dealer Internet casino. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the beginning of an eight-deck shoe with odds converted to a "to one" basis. There is no bet available for a mixture of red and black cards, but I include it in the table for informational purposes. Why "all black" pays more than "all red," I have no idea. The probability is exactly the same for both.

All Red/Black

Event Pays Combinations Probability Return
All red cards 22 186,891,927,234,688 0.037390 -0.140030
All black cards 24 186,891,927,234,688 0.037390 -0.065250
Mixed red and black cards 4,624,614,421,033,980 0.925219


First Two Banker/Player Cards Same Suit



This is a set of two side bets I noticed at a live dealer Internet casino. It pays if the first two Player or Banker cards are the same suit. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the return table for either bet assuming a win of 2.87 to one, which is the initial setting for the Player bet.

First Two Player Cards Same Suit

Event Pays Combinations Probability Return
Win 2.87 21,424 0.248193 0.712313
Loss -1 64,896 0.751807 -0.751807
Total 86,320 1.000000 -0.039494


For some strange reason, the win for the first two Banker cards starts at 2.86, as opposed to the 2.87 for the Player. This increases the house edge from 3.95% to 4.20%.

Total Points Over/Under 9.5



This is a set of two side bets I noticed at a live dealer Internet casino. It pays based on the sum of the final Player and Banker points (so a maximum of 18). The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the begging of an eight-deck shoe. The pays were converted to a "to one" basis.

Total Points Over/Under 9.5

Event Pays Combinations Probability Return
Under 9.5 points 1.23 2,141,179,778,831,870 0.428373 -0.044728
Over 9.5 points 0.66 2,857,218,496,671,490 0.571627 -0.051099


Total Points Odd/Even



This is a set of two side bets I noticed at a live dealer Internet casino. It pays based on whether the sum of the final Player and Banker points will be odd or even. The odds are adjusted at each betting opportunity as the shoe is dealt. The following table shows the odds at the begging of an eight-deck shoe. The pays were converted to a "to one" basis.

Total Points Odd/Even

Event Pays Combinations Probability Return
Total points odd 0.92 2,500,277,749,981,180 0.500216 -0.039586
Total points even 0.91 2,498,120,525,522,180 0.499784 -0.045412


Natural Wins



There are various side bets on Banker and Player natural hands. I list those I know of in my page on Baccarat Natural Hand Side Bets.

Matching Dragon



Information on this bet has been moved to my page on the Matching Dragon.

Lucky 8



For information on this side bet, please see my page on Lucky 8.

Rabbit Play



For information on this side bet, please see my page on Rabbit Play bet.

Quik



For information on this side bet, please see my page on Quik Baccarat bet.

Power 8's



For information on this side bet, please see my page on Power 8's bet.

Lucky Max



For information on this side bet, please see my page on the Lucky Max bets.

One Up



For information on this side bet, please see my page on the One Up bet.

Egalities



Egalitie bets are on a specific tie, like a 7-7 tie. These are commonly found in the United Kingdom. You can find information about them in my Egalite bets page.




Go back to baccarat
Go to baccarat appendix 1
Go to baccarat appendix 2
Go to baccarat appendix 3
Go to baccarat appendix 4
Go to baccarat appendix 6
Go to baccarat appendix 7


Written by: Michael Shackleford