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Which is the Best Baccarat Game Variation?

Last updated: 21.11.2025
Emily Thompson
Published by:Emily Thompson
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Baccarat is a top-tier online card game that you can enjoy at both online casinos and land-based ones. It's famously easy to get into, with super simple rules that even newcomers can grasp quickly. Plus, every online baccarat game comes with a pleasingly low house edge, making it a real hit with players in Zimbabwe.

The game revolves around comparing the cards dealt to the banker and the players. While you'll find it at virtually any online casino, beyond the standard version, Punto Banco, there are other exciting variations worth exploring for a great gaming experience.

What Are the Different Baccarat Game Variations Available?

Each online baccarat variant might tweak a few rules or add unique side bets, but the core gameplay stays pretty consistent. There are more baccarat variations out there than you might think, so it's good for players in Zimbabwe to be aware of what each offers to pick the best fit for their style.

Punto Banco

The most common version of online baccarat you'll find is Punto Banco. This is the version most widely played and available on pretty much every online casino site catering to players in Zimbabwe. While Punto Banco traditionally uses three dealers in land-based casinos, online play simplifies this. Here, you can bet on the Player (Punto), Banker (Banko), or a Tie (Egalite).

  • Punto (Player) Bet pays 1:1.
  • Banko (Banker) Bet pays 19:20.
  • Egalite (Tie) Bet pays 8:1.

The card values in Punto Banco are standard: Aces count as 1, face cards (10, J, Q, K) are worth 0, and all other cards are worth their face value. Getting as close to 9 as possible is the ultimate goal.

Chemin de Fer

This is one of the older baccarat variations, with historical links even to the French Napoleon era. Unlike Punto Banco, Chemin de Fer has players betting against each other, not directly against the banker. It's typically played with up to 12 players.

At the start of each round, the dealer places a bet, and other players can choose to match it fully or place a different bet. Players can essentially act as the banker and go head-to-head with others. The aim, as always in baccarat, is to get a hand total closest to 9.

Mini Baccarat

Mini Baccarat is very much like Punto Banco but, as the name implies, it's played on a more compact table, usually with 7 seats instead of the usual 14. This version requires only a single dealer, making it a faster-paced experience for players in Zimbabwe.

All of that makes Mini Baccarat online a preferred variation for millions of players, due to its fast-paced action and simplicity. As in the standard version of Baccarat, the mini version allows players to bet on the player, banker, or a tie, but also, side bets can be placed.

Baccarat Banque

Baccarat Banque is mainly popular in European casinos. It is very similar to Chemin de Fer, but it’s played with just 3 decks, which makes a huge difference from the other variations that are played with 6 or 8 decks.

  • The banker can only bet on the banker's position, whereas players can only bet on the player's position.
  • There is no tie bet option,
  • Players can make a matching bet to play against the Banker, which is something unique for this type of Baccarat casino game.

Three Card Baccarat

Three-card baccarat is among the most popular types of baccarat in Macau casinos. This variation features a single 52-card deck and in each round, the player and the banker are dealt with 3 cards, instead of the usual 2.

Card values in this variation of the baccarat table game are the same as in any other, except that 3 face cards are worth the most, making the score of 9 the second-best score to get.

An interesting rule of Three Card baccarat is when the player’s and the banker’s cards are equal, the round doesn’t end in a tie, but the hand with more face cards wins.

Which is the Best Baccarat Game Variation?

Every player has a different opinion of what the best type of baccarat game is. Punto Banco remains the standard variation, which is preferred by millions of bettors. However, mini-baccarat is gaining more popularity. This is because it’s very similar to Punto Banco but is played at a faster rate, with fewer players, and just one dealer.

Mini Baccarat is usually very suitable for beginners, as it also offers lower stake ranges. Of course, any player is free to play baccarat online and choose the variation they like the most.

Where to Play Different Variations of Baccarat Online with Real Money?

Nowadays, online casinos offer almost any type of baccarat, with Punto Banco and Mini Baccarat being a must. However, it’s always good to take a look at what types of Baccarat online game options a certain casino offers before opening an account. Players should always keep in mind that different types of baccarat are popular in different casinos.

Three Card Baccarat is very popular in Macau casinos, whereas European Baccarat is mainly played in Europe. Baccarat Chemin de Fer can be found in European and American Casinos, alongside Australian ones.

What Else to Look for When Playing Different Baccarat Variations?

When playing different types of Baccarat, players usually neglect that some key factors can help them be more successful in their baccarat journey. Let’s take a look at them.

Bankroll Management

Bankroll management is always the first thing for a player to look for when playing baccarat online, especially when playing online baccarat with real money and higher stakes.

It may be tempting to take bigger when trying new variations of the baccarat card game, but this could end up breaking the bank. So, it’s a must to follow a certain bankroll management strategy that will guarantee less risk.

Don’t Rush Into a New Strategy without knowing the rules

Each type of Baccarat game online has some differences in rules. So, if a player happens to try a new variation of the baccarat table game without knowing the rules, he risks jumping into very frustrating situations.

For example, in Three Card Baccarat, the highest possible combination is 3 face cards, making 9 the second-best score to get, which may come as a surprise for an unprepared player.

Live Dealer Baccarat or Standard Baccarat Table Game

Players can choose between playing live dealer or standard baccarat table games, which is another thing to consider when trying new types of baccarat. Live dealer tables usually allow players to observe the game first and then start playing, giving extra time to get to know the game in detail.

Conclusion

The Baccarat online game has a lot more variations than most players know about. These variations have the same basic rules. But, some factors make the difference, like how many players can play, whether the player can place the banker bet or not, and also the number of decks and dealers that participate in the game.

Another thing to be considered is that in different variations, there are different side bets that players can place.

Overall, Baccarat is a very simple game, which features a few rules that players should follow to be successful, and moving from variation to variation should not be a problem, as the differences are minor. Still, it’s good to know what the types of baccarat are to not jump into something completely new.

FAQ

What kind of game is baccarat?

Baccarat is one of the most popular card games, known for its straightforward rules and elegant gameplay. While it has several variations, the core of Baccarat involves comparing the values of cards dealt to two hands: the "Banker" and the "Player." It's a game of chance that's easy to pick up, making it a favourite among casino enthusiasts in Zimbabwe and globally.

Which baccarat is the most popular?

The most widely recognised and played variation of Baccarat is Punto Banco, which is considered the standard version of the game. In Punto Banco, players can place bets on the Banker, the Player, or a Tie. Recently, Mini Baccarat has also seen a surge in popularity, especially in online casinos. It's very similar to Punto Banco but is played at a faster pace with fewer participants, making it ideal for quick gaming sessions.

How to play mini baccarat?

Mini Baccarat is a streamlined version of Punto Banco, designed for faster play. The rules are essentially the same as the standard game, but it's typically played with up to 7 players instead of 14. Additionally, only one dealer is required for Mini Baccarat, which contributes to its quicker pace. This makes it an excellent choice for players who enjoy the thrill of Baccarat but prefer a more dynamic and less crowded table experience.

What is the difference between baccarat and mini baccarat?

The main differences between standard Baccarat (Punto Banco) and Mini Baccarat lie in the number of players and dealers, and consequently, the game's pace. Punto Banco typically accommodates up to 14 players and uses 3 dealers, while Mini Baccarat is played with fewer players, usually 7, and requires only 1 dealer. Both variations offer the same betting options: on the Banker, the Player, or a Tie, with identical rules for drawing and standing.

What is punto banco?

Punto Banco is the most common and widely recognised type of Baccarat game. It's played with up to 14 players and typically involves 3 dealers. In this variation, players can place one of three types of bets: on the Banker (Banco), which usually pays 19:20 (due to a commission), on the Player (Punto), which pays 1:1, or on a Tie (Egalite), which offers a higher payout of 8:1. The game's outcome is determined by fixed rules, making it a game of pure chance.

How to play punto banco?

Playing Punto Banco is remarkably simple, making it an excellent choice for both new and experienced casino players. The game involves placing a bet on one of three outcomes: the Banker's hand winning, the Player's hand winning, or the two hands resulting in a Tie. Once bets are placed, the dealer handles all card draws according to a set of predetermined rules, so players don't need to make any further decisions during the hand. It's all about predicting the outcome!

How to play chemin de fer?

Chemin de Fer is a classic Baccarat variation that offers a more interactive experience compared to Punto Banco. Unlike the standard game, players in Chemin de Fer bet against each other, not against the house, and one player takes on the role of the banker. The game can be played by up to 12 players, and the objective remains the same: to achieve a hand value as close to 9 as possible. This version allows for more strategic decisions regarding drawing additional cards.

What does chemin de fer mean?

The term "Chemin de Fer" is French for "railroad" or "iron road," which is believed to refer to the speed of the game. Originating from French Baccarat, this version is distinct because players compete against each other rather than against the casino (the banker). Typically played by up to 12 players, the role of the banker rotates among the participants, adding a unique dynamic to the gameplay that differs significantly from the fixed rules of Punto Banco.

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