Baccarat is such a popular card game that even variants have variants. For example, punto banco is one of the most common variants out there and there are lots of games based on it, mini baccarat being the most popular one. This game is particularly popular in Asian casinos, especially in countries like China, and offers faster gameplay.

More importantly, you can still get the same big payouts and there is no need to re-learn the rules: If you know how to play baccarat (or live baccarat), you already know how to play mini-baccarat too. And if you don’t, don’t worry: We prepared this online baccarat casino guide to teach you everything you need to know.

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Rules of mini baccarat

Mini baccarat rules are exactly the same as regular baccarat. The same goes for mini baccarat scoring: There is no difference. So, why is it called mini baccarat? Well, this is because:

  • Mini baccarat is played on a smaller table.
  • The banker is always the dealer, this never changes.
  • The player cannot touch the cards.
  • Stakes of mini baccarat games are usually quite low: It is awfully hard to find high stakes mini baccarat This variant is designed to offer a faster game pace and lower bet limits.

However, the main rules are exactly the same: Mini baccarat is still being played between a player and a banker, and there are three betting options you can use: player wins, banker wins, and tie.

(While there can be some mini baccarat side bets or mini baccarat bonus bets in some games, these options will always be available.) The goal is to reach 9 points in total or beat the opponent’s point. Each card has a different point in mini-baccarat:

  • Aces are worth 1 point
  • Face cards and 10s are worth 0 (zero) point
  • All other cards are worth their face values

9 is the highest point you can get and if the total is higher than this, the left digit is removed. So, for example, if you get 8 and 4, the total is 12. However, since it is higher than 9, we remove the left digit: This hand is actually worth 2 points. Note that card scoring is always the same in all baccarat variants (i.e. baccarat chemin de fer, baccarat banque, super pan 9, etc.) and it never changes.

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How to play mini baccarat?

The basic baccarat pattern is the same: When the game starts, the banker gives 2 cards to the player and gets 2 cards for himself. If any of the sides get 9 points, the game ends at this point. If not, a third card can be drawn by both parties.

However, unlike blackjack, there are mini baccarat drawing rules and this can force the player and the banker to draw or to stand. The tables below show these drawing rules:

Player Drawing Rules

Player's first two cards


Player can draw a third card
Player can stand
Player cannot draw a third card

Banker Drawing Rules

Banker's first two cards


Banker must draw a third card
Banker stands if the player’s third card is 8. Otherwise, he draws.
Banker stands if the player’s third card is 0, 1, 8, 9. Otherwise, he draws.
Banker stands if the player’s third card is 0, 1, 8, 9. Otherwise, he draws.
Banker stands if the player’s third card is 0, 1, 2, 3, 4, 5, 8, 9. Otherwise, he draws.
Banker must stand

Note that we assume there are no baccarat side bets in use. When the drawing phase ends, both sides compare their hands to determine the winner. Mini baccarat payouts are the same too: You get 1:1 pay for the “player wins” and “banker wins” outcomes.

The “tie” outcome pays 8:1. Likewise, mini baccarat game odds (and mini baccarat house edge) is no different: “Banker” still has the highest winning chance, and the overall house edge of the game is 1.17% on average.

Mini baccarat strategies & systems

Mini baccarat dragon bonus: what is it?

Dragon bonus is a side bet in mini baccarat: It pays up to 30:1 if you win the game with a natural 9 (with your first two cards) or with a large margin. Mini baccarat dragon odds are not great: The house edge of this side bet is 2.65% for the player and 9.37% for the banker.

Should you play mini baccarat at casino?

  • The rules are the same
  • There are lots of side bets
  • You can use the same strategies
  • The banker is always the same person
  • The player cannot touch the cards

Mini baccarat online FAQ

It is a regular baccarat game played on a smaller table. Unlike regular baccarat, the banker is always the dealer, and the plater cannot touch the cards.
Yes, like all card games in a casino, mini-baccarat has table limits too. These limits will be different at every table, but they are usually lower than regular baccarat.
In regard to rules, there is no difference. The table is smaller, the banker is always the dealer, and the player never touches the cards: These are the only differences.
In midi baccarat, the player can touch the cards. Other than that, the rules, payouts, patterns, and house edge rates are exactly the same – there is no difference.
Betting on the banker is the best strategy you can use: This option has the lowest house edge. In addition, we recommend staying away from the side bets, as they increase the house edge.

Join a mini baccarat tournament today & win big

With the right mini baccarat tournament strategy, you can win really big: Check our tips and tricks above. We already picked the best online baccarat casino sites for you so all you need to do is choosing one & registering today.

In addition to mini-baccarat, you can also try lots of different variants such as three card baccarat, baccarat squeeze, and no commission baccarat. No matter which one you pick, we are sure that you will have fun and start winning in no time: Good luck!