The challenger assigned to the higher final total wins.
Table classics / CLUB FORMAT 03Medium
Baccarat
Player versus Banker. Closest to nine takes it.
How to play
- 01
Assign one challenger to Player and the other to Banker by a random draw; swap sides after tied rounds. Deal two cards to each side.
- 02
Aces are 1, 2–9 keep their values, and 10/J/Q/K are 0. Keep only the final digit of a hand’s sum: 16 becomes 6. Either initial 8 or 9 stops all drawing.
- 03
Otherwise Player draws on 0–5 and stands on 6–7. If Player stands, Banker draws on 0–5. If Player draws, Banker follows the table below.
- 04
After drawing, the hand closest to 9 wins. There are no decisions to hit or stand and no side bets in this club format.
| Banker’s two-card total | Draw if Player’s third card value is… |
|---|---|
| 0, 1 or 2 | Any value |
| 3 | Anything except 8 |
| 4 | 2 through 7 |
| 5 | 4 through 7 |
| 6 | 6 or 7 |
| 7 | Never; stand |
If either original hand has a natural 8 or 9, neither draws. If Player stood on 6 or 7, Banker draws on 0–5 and stands on 6–7. Third-card values use baccarat values, so 10/J/Q/K = 0.
Equal totals push; swap sides and replay.
AFTER THE GAME
Cards down. Phones up.
The winner proposes the agreed collaboration share on the loser’s first qualifying prospect. Both call counters start at zero. The loser can cancel the proposed split by completing the agreed redemption challenge before its cutoff. The actual work and contribution still determine earned credit.
Read the challenge and redemption rules ↗Underlying game reference: Read the standard-game reference ↗. This club guide defines its own simplified format; the reference does not endorse the club.
