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The rules are a touch different depending on if you're playing the "punto banco" (where the actions are pre-determined by the numbers on the cards) or "chemin de fer" (where the players involved can decide to take a third card) form of baccarat, but the principle is the same: Bet on a hand, Player or Banker, that has the highest value after all the cards are dealt. The goal in baccarat is to have the hand you're betting on, either the player or the banker, be the best hand of the two dealt. Dealt a 9 and a 7? You have 16, so your score is 6. If the player's hand is 0–5, they draw a third card. 5: Banker draws a third card if the player's third card was 4, 5, 6, or 7. Keep in mind for the advantages above given to the banker, all winning bets on banker will pay a 5% commission to the house.Betting on a Tie If the Player and the Banker finish with the same points, the game results in a Tie. Gambling problem? Call 1-800-GAMBLER (NJ/WV/PA), 1-800-9-WITH-IT (IN), 1-800-522-4700 (NH/CO) or 1-800-BETS OFF (IA). faux saint laurent bag