Best Live Baccarat in Australian Online Casinos

Best Live Baccarat in Australian Online Casinos

When you check the live casino section of top online casinos in Australia, you will most likely find live baccarat games. According to historians, the baccarat’s history can be traced back to the 1400s in Italy when it was created by Felix Falguiere. You can play the best live baccarat in Australian online casinos and win real money. It is one of Australia’s most popular live dealer games due to its simple rules and gameplay. Besides, some live baccarat titles can pay out massive winnings, making them even more worthwhile. 

This comprehensive guide will teach you about the live baccarat rules, its odds and payouts, variations and side bets. In addition, we provide some valuable tips and strategies you can adopt in the game to boost your chance of winning. So if you are keen on learning these and more, keep reading our best live baccarat guide. 


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Lisa C. Written & published: 08.06.2023 By author Lisa C.
Brad I. Reviewed & updated: 01.07.2024 By gambling expert Brad I.

About live baccarat 

Live baccarat is an online version that offers a similar playing experience to the real-life version. However, it differs from regular online baccarat that uses computer-based Random Number Generators (RNGs) to determine the outcome through shuffling and dealing cards. Instead, live baccarat is a physical game hosted in a provider’s studio or the lobby of a land-based casino. 

With advanced technologies like OCRs (Optical Character Readers), Game Control Units and HD Web Cameras, you can play baccarat online live and enjoy a similar experience as you are actually at the baccarat table. And the best part? Live baccarat games are immersive and interactive. You can chat with other participating players and the dealer just like you would when you play baccarat at a brick-and-mortar casino. 

Like the real-life version, live dealer baccarat games come in different variations. Some come with bonus features, while others have numerous side bet options for Aussie players. Apart from that, online baccarat live dealer games generally have higher RTP (Return to Player) than online pokies and other casino games. Some titles even have RTPs as high as 99%, which means players will get more winnings in the long run.

Rules of live baccarat

As mentioned in the introductory paragraph, live baccarat has simple gameplay, and this is because the rules are straightforward. The game’s main objective is to bet on the position with the highest baccarat value—the player or banker. This should not be confused with the participants playing the game. Instead, you are simply staking on which position designated as the Player and the Banker will have the highest card value closest to 9 (following baccarat card point value).

To help you better understand how live baccarat rules work, let’s discuss the typical gameplay of Pragmatic Play Speed Baccarat. When you load the game, you will see the dealer at the baccarat table with the deck of cards and the discard pile. To start, place your bet according to the table limit. You can stake on the banker position, player position, tie or side bets (to be discussed later).

After placing your stakes and the bet window timer runs out, the dealer will deal two cards each to the player and banker positions. The values of the cards in each position will then be added and compared, and the position with a total value closest to 9 wins.

  • Live baccarat third card draw

    In some cases, an extra card can be dealt to either the player or banker position, but the rules concerning the third card draw may vary slightly from one game variation to another. In most live baccarat games, the player and dealer position gets a third card when both have zero for an opening hand. A third card can also be dealt when neither of the two playing positions reaches eight or nine points. 

  • Live baccarat card values

    Card values in live baccarat are slightly different compared to some card games like blackjack and poker. The highest value a playing position (banker or player) can have is 9. Any value above 9 will see the first digit dropped. So if the point value is 10, the 1 is dropped, and the new value becomes 0. All cards, except 10 and face cards have their face value points, which means 1 is scored 1 point, 2 is scored 2 points and so on. On the other hand, face cards are worth zero points, while the ace card is worth 1 point. 

Live baccarat odds and payouts

Before playing casino live baccarat games, familiarise yourself with the odds and payouts. This will help you identify the risk associated with the type of baccarat bet you place and the potential amount you stand a chance to win. Nevertheless, as mentioned earlier, live baccarat games have high RTPs, offering more winnings in the long run. 

The three main bets in live baccarat are banker bet, player bet, and tie bet. However, each bet has its odds, house edge and payout. Generally, the banker bet has the highest odds, 45.86% and the lowest house edge, 1.06%. This explains why its payout is usually the lowest, 0.95:1. On the contrary, the player bet has lower odds of 44.62% with a house edge of 1.24% and pays 1:1. The tie bet is the most difficult option with the lowest odds, 9.52% and highest house edge, 14.36%. However, it also pays the highest, 8:1, in most live baccarat games.

🏦 Banker Bet 45.86% odds, 1.06% house edge, pays 0.95:1
🤵 Player Bet 44.62% odds, 1.24 house edge, pays 1:1
✅ Tie Bet 9.52% odds, 14.36% house edge, pays 8:1

Side bets in live baccarat

Apart from the player, banker and tie bet, there are other bets you can place in live baccarat. These bets are generally called side bets, and they vary from one live baccarat game to the other. To place a side bet, simply place your chips on the particular side bet section of the baccarat table. Let’s discuss some of the most popular side bets available in a live baccarat online in Australia. 

  • Either pair

    This is a live baccarat side bet where you bet on either the two initial cards of the Player or Banker to be a pair. The pair does not necessarily have to be of the same suit to win this bet. For instance, you win if you place an Either Pair side bet and the player position has two Jacks of the same or different suit. Typically, the payout for this side bet with pairs of different suits is 5:1, while for the same suit is 25:1. 

  • Perfect pair

    Like the Either Pair side bet, the Perfect Pair bet in live dealer baccarat is a wager on either the player or banker position to have a pair of the same rank and suit. For example, if the Banker’s opening cards are two Jacks of spades. But you may wonder, how is it possible to have the same card of the same suit and rank in baccarat? Well, baccarat games are played using six or eight decks, so getting a Perfect Pair is not that hard. The typical payout for this bet is 25:1.

  • Player/Banker pair

    This casino live baccarat side bet is still based on having a pair. But this time, it is a direct bet on the playing position (Player or Banker) to have a pair as opening cards. So if you place a Player Pair bet but the pair shows up on the Banker position and not the Player position, you lose. As you may expect, this type of side bet has higher risk than the Either Pair bet, and it pays more, 11:1

  • Dragon bonus

    The Dragon Bonus is a side bet entirely different from the others we’ve discussed. In this side bet, you wager on the difference between the card point value of the player and the banker hand. The higher the difference, the more you win. However, most live baccarat games in Australia usually have a minimum winning difference of 4. So if you place this side bet and the difference is less than 4, you lose. 

  • Big/Small

    This is a side bet in live dealer baccarat games where you wager on the total number of cards to be drawn. For example, when you place a “Big” side bet, you wager that the total number of cards to be drawn in that game round would be five or six. This means you will need the player or banker position to get an additional card to win. On the other hand, the “Small” side bet refers to wagering on the total number of cards in a round to be four. 

  • Colour match

    You will find the “Colour Match” side bet option when playing some top live baccarat games in AU online casinos. This bet involves wagering on all the four opening cards (player and banker’s two initial cards) to be of the same colour, red or black. You don’t need to worry about the suit of the cards, but just the colour. So if you bet on the Colour Match side bet to be black, you’ll win even if the opening cards are a combination of spades and clubs. 

Live baccarat providers

There are numerous live baccarat providers in the iGaming space, some of which offer gambling services to Australian players. In fact, most of these AU live baccarat providers have multiple baccarat variations in their catalogue, leaving players spoiled for choice. Let’s talk about some top live baccarat providers in Australia.

  • Pragmatic Play


    Pragmatic Play is one of the leading live casino game providers. Established in 2015, the provider has around 20 live dealer games, including two live baccarat titles: Baccarat and Speed Baccarat. Aussies can enjoy playing these baccarat games on their desktop computers and mobile devices at the best online casinos. And the best part? Pragmatic Play live baccarat games offer HD graphics and multiple side bets. 

  • LuckyStreak


    LuckyStreak is another AU live baccarat provider that started operations in 2014. It has a live baccarat game that offers pair side bets (perfect pair, player pair, banker pair) and other features like in-game stats, game history, and multiple-player view. And unlike some live baccarat games that allow a limited number of players per game round, the LuckyStreak live dealer baccarat allows any number of players to play simultaneously. 

  • Vivo Gaming

    Vivo Gaming

    Founded in 2009, Vivo Gaming is a live casino provider that operates legally in Australia. The operator has over 20 live dealer baccarat tables that offer 24/7 streaming. These live baccarat games are hosted in different studios and are available in multiple languages. Vivo Gaming also has a Speed Baccarat game with Chroma Key broadcasting.

  • ViG

    Visionary iGaming (ViG) has been around since 2008, and it is one of the top live baccarat providers in Australian real money casinos. The live baccarat games from this provider feature HD video streaming with multiple camera angles. Besides that, it has several side bet options besides the main player, banker and tie bet, and it uses standard-size playing cards like the physical versions found in land-based casinos. 


Live baccarat tips and strategies

Baccarat is a game of chance, so winning in many game rounds in a row is almost impossible. You cannot influence the cards to be drawn by the dealer in any way, but you can use strategies like card counting to know when to place a bet. Nevertheless, there are some baccarat betting tips and techniques you can adopt to improve your chances of winning, although nothing is 100% guaranteed. Let’s discuss a few of these strategies you can adopt when you play live baccarat.


Bankroll and money management

Like every casino game, you should have a defined bankroll before playing live baccarat. Once you do, you can create a budget for playing the game and then spread your bankroll to cover more bets, but avoid the urge to bet your entire bankroll in one go. This is because you have a slightly higher chance of making some wins when you place more bets on a game. But regardless, only play online baccarat live dealer games with the money you can afford to lose. The pieces of advice in this regard are as follows: Set aside money you are willing to risk for your bankroll; Create a budget with your bankroll to cover a higher number of bets; Never bet your entire bankroll at once; Avoid chasing a losing streak when playing.


Bet on options with a lower house edge

House edge matters a lot in casino games, including live baccarat games. A lower house edge means that the risk of a bet is technically lower. For instance, the banker bet has the lowest house edge in live baccarat compared to side bets like the Super 6. You should avoid placing all your bets on high house edge outcomes like the tie bet, as their odds of winning are lower. So you are recommended to avoid tie bets and high house edge side bets, understand the odds of each bet before staking on them, and place live baccarat bets according to your risk level.


Adopt betting strategies

Like in roulette and other high roller casino games, you can use betting strategies (Martingale, Fibonacci, Paroli, Labouchere) to improve your winning potential. However, most of these strategies are based on unlimited bankroll, which is unrealistic. Nevertheless, if you can split your bankroll to cover a larger number of bets, you may find some success using these betting strategies for live baccarat. But ensure you read reviews of each strategy to know how it works.


We’ve extensively discussed live baccarat games in Australian online casinos, and it is undoubtedly one of the most popular live dealer games for Aussies. It is simple to play, with the main objective being to bet on which playing position (banker or player) will have a total card value point closest to 9. Besides, many AU live baccarat games also offer side bet options like Either Pair, Perfect Pair and Colour Match, and you can use some strategies to improve your chances of winning. But remember, not every live casino provider is legal in AU. So when you want to play the best live baccarat games in Australian online casinos, ensure they are from legitimate providers.

Live baccarat FAQ

Is live baccarat available in Australia?

Yes. Top online casinos in Australia partner with legitimate developers like Pragmatic, ViG, LuckyStreak and Vivo Gaming to feature a range of live baccarat games.

How to play live baccarat?

Simply load the game and place your bets on your preferred position, the player, banker or tie. The playing position with a total card value point closest to 9 wins.

How much can I win in live baccarat?

It depends on the type of bet you place and the baccarat variation. However, in most live baccarat games, the player bet pays 1:1, the banker bet pays 0.9:1, and the tie bet pays 8:1.

Which baccarat bet has the best odds?

The banker bet has the best winning odds, at 45.86%.

Can I play live baccarat on a mobile device?

Yes. Top Australian live baccarat providers design their games to be mobile-friendly. This means you can play their live baccarat games on smartphones and tablets.