- Player win: commonly pays 1 to 1.
- Banker win other than 6: commonly pays 1 to 1.
- Banker win with 6: commonly pays 1 to 2.
- Tie: pays the posted price, commonly 8 to 1 or 9 to 1.
- Player and Banker bets normally push on a tie.
- Optional Super 6, pair, and other side bets use separate paytables.
Always read the approved layout and rules. “Super 6” is used for more than one commercial configuration.
Card Values
Baccarat values cards as follows:
| Card | Baccarat value |
|---|---|
| Ace | 1 |
| 2 through 9 | Face value |
| 10, Jack, Queen, King | 0 |
Only the last digit of the total counts. A hand containing 8 and 7 totals 15, which becomes 5. The highest possible baccarat total is 9.
The Main Bets
Player
The Player bet wins when the Player hand finishes closer to 9 than the Banker hand. A standard winning Player wager normally pays even money.
Banker
The Banker bet wins when the Banker hand finishes closer to 9. In Super 6, a winning Banker hand normally pays even money except when the final Banker total is 6, which pays half.
Example:
- Bet: $40 on Banker
- Final result: Banker 6 beats Player 4
- Profit: $20
- Original wager returned: $40
- Total returned: $60
Tie
The Tie bet wins when both hands finish with the same total. Banker and Player bets normally push. The Tie price varies and must be read from the table.
Initial Deal and Naturals
Two cards are dealt to Player and two to Banker according to the approved dealing procedure. If either hand has a two-card total of 8 or 9, it is a natural. Drawing normally stops, and the higher natural wins. Equal totals create a tie.
Super 6 does not change natural-hand rules.
Player Third-Card Rule
After the initial deal, Player acts first under a fixed rule:
- Player draws on totals 0, 1, 2, 3, 4, or 5.
- Player stands on 6 or 7.
- Naturals 8 or 9 stop normal drawing.
The player at the table does not choose whether to draw.
Banker Third-Card Rule
If Player stands, Banker normally draws on 0 through 5 and stands on 6 or 7.
If Player draws a third card, Banker follows the standard baccarat chart:
| Banker total | Banker action after Player’s third card |
|---|---|
| 0, 1, or 2 | Draws |
| 3 | Draws unless Player’s third card is 8 |
| 4 | Draws if Player’s third card is 2 through 7 |
| 5 | Draws if Player’s third card is 4 through 7 |
| 6 | Draws if Player’s third card is 6 or 7 |
| 7 | Stands |
The dealer applies this automatically. Players do not make strategy decisions during the hand.
The Gambling Regulatory Authority of Singapore’s Non-Commission Baccarat with Super Six rules provide an official example of the game, dealing procedure, settlement, and paytable. A property’s current approved rules remain controlling.
Why Banker 6 Pays Half
In standard commission baccarat, a winning Banker wager commonly pays even money minus a commission, often 5%. Super 6 removes the routine commission collection and instead reduces one specific result: Banker winning with 6.
The half-pay is not a dealer choice and not a penalty added after the hand. It is part of the published wager price.
Two-card and three-card Banker 6
In the common main-wager rule, a Banker win with a final total of 6 pays half whether the 6 was made with two cards or three cards. Some optional side bets distinguish a two-card Banker 6 from a three-card Banker 6, so players must keep the main Banker payout and the side-bet paytable separate.
Settlement Examples
Banker wins with 7
- Player total: 5
- Banker total: 7
- $50 Banker wager profit: $50
Banker wins with 6
- Player total: 4
- Banker total: 6
- $50 Banker wager profit: $25
Player wins
- Player total: 8
- Banker total: 7
- $50 Player wager profit: $50
Tie
- Player total: 6
- Banker total: 6
- Banker and Player wagers normally push
- Tie wager pays the posted amount
A tie is not a Banker 6 win, because Banker did not beat Player.
The Super 6 Side Bet
The optional Super 6 side bet usually wins when Banker wins with a final total of 6. It is separate from the main Banker bet.
Possible approved structures include:
- one fixed payout for any Banker win with 6;
- different payouts for two-card and three-card Banker 6;
- progressive or linked enhancements;
- different qualifying rules under a similarly named product.
A player can win the Super 6 side bet while receiving only half on the main Banker wager. The side-bet payout does not restore the main wager to even money; it is an additional wager with its own cost.
Pair and Other Side Bets
Player Pair, Banker Pair, Lucky 6, Dragon Bonus, and other optional bets may appear on the same layout. Their rules and house edges are independent from the three main wagers.
Before betting, confirm:
- which cards are evaluated;
- whether only the first two cards count;
- the exact “to 1” or “for 1” payout wording;
- whether the bet remains active on a tie;
- whether a minimum main wager is required;
- whether the version is fixed or progressive.
Rule Variations to Check
“Super 6” does not guarantee every detail. Check for:
- Tie paying 8 to 1 or 9 to 1;
- main Banker 6 payout stated as 1 to 2 or equivalent;
- different Super 6 side-bet prices;
- two-card versus three-card Banker 6 categories;
- commission on any special wager;
- number of decks and cut-card procedure;
- squeeze, midi, electronic, or fully automated dealing;
- irregularity and misdeal procedures;
- maximum payout or progressive rules.
The table layout, help screen, and approved house rules form the practical contract.
Dealer Procedure
A dealer must:
- close betting before cards are exposed;
- deal in the approved sequence;
- announce totals accurately;
- apply natural and third-card rules without player choice;
- identify a Banker win with 6 before paying;
- pay the main Banker wager at half and settle side bets separately;
- push Banker and Player wagers on a tie;
- follow correction and surveillance procedures for mispays or disputed cards.
Half-pay errors are easy when the table is busy. Clear announcements, chip-cutting standards, and supervisor verification reduce mistakes.
From the Casino Side
Super 6 improves table speed because dealers do not calculate and track ordinary Banker commission after every winning hand. The tradeoff is a payout exception that must be applied perfectly.
Operational controls should cover:
- approved felt and paytable;
- training on two-card and three-card Banker 6;
- separate settlement of main and side wagers;
- chip and payout calculations for odd amounts;
- player explanations that avoid calling the game “commission-free” without mentioning half-pay;
- surveillance review of disputed settlements;
- accurate game coding in table-management and rating systems.
Common Misunderstandings
“No commission means Banker always pays even money.”
No. Banker wins with 6 normally pay half.
“Players decide whether to draw.”
No. Baccarat uses fixed drawing rules.
“Banker 6 half-pay applies on a tie at 6.”
No. A tie pushes the main Banker and Player wagers under normal rules.
“The Super 6 side bet is included with Banker.”
No. It is a separate optional wager.
“A two-card 6 and three-card 6 always pay differently.”
The main Banker half-pay commonly treats both the same. Some side bets distinguish them.
“No commission automatically improves the player’s odds.”
Removing commission does not create a free advantage when another outcome is paid short.
Player Checklist
Before buying in:
- read the Banker 6 payout;
- read the Tie payout;
- identify every optional side bet;
- ask whether the Super 6 side bet distinguishes card count;
- confirm minimum and maximum wagers;
- keep the side-bet budget separate;
- do not chase a Banker 6 because it has not appeared recently;
- remember that the scoreboard records history, not the next result.
Hard Truth
Super 6 removes the visible commission calculation, not the casino’s mathematical price. The cost is concentrated in one Banker result.
FAQ
Does Banker 6 always pay half?
In the common Super 6 main wager, yes, when Banker beats Player with a final total of 6. Read the exact approved rules for the table.
What happens if both hands total 6?
The result is a tie. Banker and Player wagers normally push, and the Tie wager wins.
Can Banker make 6 with three cards?
Yes. The final total, not the number of cards, controls the common main-wager half-pay.
Is the Super 6 side bet required?
No. It is normally optional.
Are third-card rules different from regular baccarat?
Usually no. The major variant is the Banker payout, while standard drawing rules remain.
Which main bet is best?
That depends on the exact approved rules and payouts. Banker and Player are normally far less expensive than Tie and many side bets, but Super 6 changes the relative cost of Banker compared with commission baccarat.