Follow the Dragon: Online Baccarat in Singapore 2025

Baccarat 101: Chasing the Lucky 8

At its core, baccarat is remarkably simple, which is exactly why it appeals so strongly to players at Singaporean online casinos.

How Baccarat Works

Every round of baccarat centres around two hands: the Player and the Banker. But here’s the twist—you’re not one of those hands. Instead, your job is to guess which side will get a total closest to 9. Or, if you’re feeling daring, you can bet on a Tie.

Before any cards are dealt, you place your chips on one of these three outcomes:

• Player – Pays even money (1:1)

• Banker – Pays 0.95:1 (with 5% commission)

• Tie – Pays 8:1, but with much lower odds of winning

Card Values

Baccarat doesn’t use jokers or wild cards. It plays with standard 52-card decks. The trick is understanding how each card is valued:

• Cards 2 to 9 = face value

• 10s, Jacks, Queens, Kings = 0

• Aces = 1

If the two cards total more than 10, drop the first digit.

So, 7 + 8 = 15 → becomes 5.

That’s why 8 is so popular in Singapore—it’s the second-highest total and also our symbol of wealth and success.

The Gameplay

1. Place your bet: Banker, Player, or Tie.

2. The dealer deals two cards each to the Player and Banker.

3. If needed, a third card is drawn based on specific rules.

4. The hand closest to 9 wins.

It’s that simple.

Now, when does a third card come in? If the Player’s total is 0–5, they get one more card. But the Banker follows a more detailed set of rules, depending on the Player’s third card. Don’t worry, the dealer handles all that. You can just sit back and focus on your bets.

Payouts & Odds

Here’s a quick cheat sheet to help you decide which bet fits your play style:

While the Banker bet pays slightly less due to the 5% commission, it statistically gives you the best shot at a win. That’s why most experienced punters stick with it—slow and steady huat wins the race.

Want to fully grasp the detailed ins and outs of the game?

Explore our complete Baccarat rules here.

Baccarat Hands You’ll Actually See Online (Explained!)

Here’s a practical scenario you’ll frequently encounter online. Suppose you place a bet of SGD20 on the Player hand. The dealer reveals two cards: your Player side gets a five and a three, totalling a natural 8. Immediately, you’re in a strong position—natural hands (8 or 9) have around a 17% chance of occurring and usually mean an instant win, unless the Banker matches or surpasses your total.

Another common situation might be this: The Banker’s cards add up to seven, and the Player initially totals five. The Player then draws an additional card, for example, a two—reaching seven points as well. In this instance, the result is a tie (around a 9.5% occurrence).

We Tested Baccarat Strategies in Singapore (Results Inside!)

We decided to put popular baccarat strategies to the test, right here in Singapore, using a simulated SGD100 bankroll for each one. Here’s how they stacked up:

Martingale Strategy

We started by betting SGD10, doubling after each loss. Initially, we enjoyed some small wins. But after several losing rounds, bets escalated quickly: SGD10, SGD20, SGD40… Suddenly, we risked almost our entire bankroll in just a few minutes. We ended the test session with SGD40 left—ouch!

Paroli Strategy (Reverse Martingale)

Here, we doubled our bet after every win. We began cautiously at SGD10. When luck was on our side, the wins stacked nicely—our bankroll climbed steadily to SGD160 after just a few rounds. But after hitting a losing streak, profits dropped rapidly. We eventually ended at SGD120. A solid outcome, but a bit nerve-racking during those losing rounds.

Flat Betting Strategy

This was straightforward: we kept bets consistent at SGD10 per round. Results here were steadier but less thrilling. Our final balance hovered around SGD90. While this didn't deliver big profits, it felt comfortable and manageable, especially if you dislike roller-coaster bankroll swings.

Our Verdict?

Martingale felt risky and stressful—better suited for high-risk thrill-seekers. Paroli was exciting, offering good profit potential if luck runs your way. Flat betting suited cautious players who value stability over big payouts. Ultimately, pick the approach that matches your personal style.

Want to explore these strategies further and find the perfect one for your play style?

Check out our detailed Baccarat strategy guide here!

Baccarat vs. Other Games: Why it Tops the List for SG Punters

When you compare baccarat with other popular games like roulette, blackjack, poker, slots, or fishing games, it consistently comes out on top among Singaporean punters. Here’s our honest take on why.

Baccarat vs. Roulette

Roulette is exciting, we won't deny. Watching the ball spin keeps us on edge—but outcomes feel entirely random. Baccarat, meanwhile, gives clearer odds and predictable gameplay. With a low house edge like 1.06% on Banker bets, baccarat feels steadier and more manageable than roulette’s pure luck. Curious about roulette? You can always check out our top roulette casinos in SG.

Baccarat vs. Blackjack

Blackjack is strategic and engaging, but constant decisions like hitting or standing can become tiring fast. Baccarat provides a welcome contrast—straightforward bets, quick rounds, and less mental fatigue. The easy-going nature of baccarat perfectly suits Singaporeans who prefer relaxation over constant strategic thinking. If blackjack’s complexity appeals to you, though, visit our recommended blackjack casinos in SG.

Baccarat vs. Poker

Poker definitely has its charm, especially if you enjoy deep strategy and patient gameplay. But let’s face it, rounds can drag on. Baccarat provides continuous action without the wait. Its quick hands and simple betting structure appeal strongly to local punters looking for constant engagement. Interested in the poker room experience? Discover the best poker casinos in SG.

Baccarat vs. Slots

Slots are colourful and fun but can feel completely random, with no room for player influence. Baccarat, while still luck-based, gives you more control over your bets and strategies. Choosing how you bet—Player, Banker, or side bets—lets you feel more involved, something slots lack. Want to spin and see if fortune favours you? Try our trusted slots casinos in SG.

Baccarat vs. Fishing Games

Fishing games offer fast, chaotic fun, but outcomes can feel unpredictable, leaving you frustrated. Baccarat delivers excitement minus that frustration, with clear rules, straightforward betting, and predictable odds. For punters craving steady, less chaotic thrills, baccarat clearly wins. If you still want to try your luck at fishing games, we’ve got recommended fishing casinos in SG too!