Play Baccarat Online for Real Money in Malaysia 

December 31, 2024

The Baccarat game is an ideal gambling option if you’re looking for an entertaining card game with straightforward rules. It dates back to the 14th century and is one of the oldest games around. Its popularity has only increased with the rise of online casinos and the ease of access.

Players in Malaysia can choose from this top game in various formats and stakes to suit all bankrolls. Stay with us if you’re just starting and want to know how to play Baccarat. Our guide to the game will detail the rules and some top tips and strategies to help you play it like a pro. 

What is Baccarat Online? 

Initially, before the rise of online casinos, you could only play this game by leaving home and travelling to a land-based casino. Online Baccarat has made the game more accessible with the same gameplay mechanics. It means you can access it anytime you wish directly from the comfort of your home on PCs or out and about on mobile devices. 

Another benefit of online Baccarat Malaysia is you will have many more choices. With limited floor space, land casinos have fewer options. With online, you can play across many more titles, including a mix of table games and live Baccarat with a real-time host. Another perk of playing online is using in-game statistics and rules to help you place your stakes. 

The main benefits of playing it online include the following:

• Its simplicity appeals to new and seasoned players looking for a fun and easy card game.
• Easily access a Baccarat casino with a few clicks.
• Receive online casino bonuses to boost your balance and allow more winning chances.

To help you master the game, we want to share some standard terms used in the game.

• Baccarat: Although this is the game’s name, it also means holding the worst hand possible, which equals zero. It’s also often called Punto Banco. 
• Burning: After shuffling the deck, the dealer will remove some cards before they start using them to deal. It can be between 3 to 6 cards, depending on which variant you play. 
• Commission: Not all games charge a commission, but with many Baccarat online games, you’ll be charged 5% on your winning Bankers bets. 
• Croupier/Host/Dealer: This is the name given to the live dealers who facilitate the proceedings, and it all means the same thing. 
• Face cards: Any Jacks, Queens, and Kings are those with no value and worth zero. 
• Down Card: The card dealt face down, also known as the hole card. 
• Upcards: These are the cards in the Baccarat game that are dealt face up so both you and the dealer can see what you hold. 
• House Edge: The casino must make a profit, which refers to how the odds are built into the game to ensure they profit over the long term. 
• Natural: This is where you get dealt an 8 or 9 from the first 2 cards. 
• La Grande: The best hand in baccarat, a natural 9 dealt on your first 2 cards.
• La Petite: A natural hand totaling 8, considered the second-best hand.
• Banker: This is the hand where the banker’s side ends up with a card closest to or a 9.
• Player: While this refers to the person playing the game, it also refers to the one wager known as the Player bet. 
• Tie: This is where the player and banker bet results in the same outcome, also known as a push. 
• Monkey: A slang term for the face cards (Jacks, Queens, Kings), which have a value of zero.
• High Roller: A Baccarat player who bets significant money on each hand.

How to Play Baccarat Games 

When you take your seat at a Baccarat table, it helps to understand the basic rules. The first is the game, which involves 3 to 6 decks of 52 cards, which get shuffled and dealt with from the box, known as a “shoe.” The value of cards holds their face value except for face cards like the K, Q, J, and 10 which count as zero. The Ace counts as 1 point. 

The Baccarat rules require you to obtain a hand close to the number 9. However, the cards get added together to fix the value. The last digit plays a significant role. For example, if you had an 8 and 5, your tally would be 3 and not 13. This is because only the last digit counts. Say you had a face card (zero) and a 7 that would win as it’s closer to the required number 9. 

The three bets you can place are on the following:

• Banker Bet: It pays out at 0.95:1, but a 5% commission gets deducted from your winnings.
• Player Bet: Pays out at 1:1 with no commission.
• Tie Bet: Offers the highest payout at 8:1 but has worse odds.

The other bets are the side bets, which are harder to land and, therefore, not great odds, as shown in the table of some common ones. 

Side Bet	Payout	House Edge
Perfect Pair	25:1	13.03%
Player Pair	9:1	10.36%
Banker Pair	9:1	10.36%
Dragon Bonus	Varies	2.65% to 9.37%
Small / Big	Varies	4.35% to 5.27%

Once you have sat at an online Baccarat table, the dealer or computer will deal you and themselves 2 facedown cards. If anyone gets dealt a “natural,” which consists of a hand of 8 or 9 they will instantly win unless the banker has the same hand. This then results in a tie. 

If you hold a 6 or 7 you must stand. If you hold less than 5 cards, you must take another card, which will get dealt to you face up. If you have a hand of 5 you can choose to stand or take another card. The banker has to draw until they receive a point of under 3. 

Beginners step-by-step guide to playing Baccarat online

To start playing, you’ll first have to choose an online casino catering to Malaysian players. We have listed 2 excellent recommendations below for reliable platforms. Once you’ve chosen and registered your new player account, follow our steps to get started at the tables:

1. Choose a Baccarat table

Pick one of the online Baccarat Malaysia tables either from the live dealer or the table games lobby. We recommend starting with a table game if you’re just starting and new to the game. It has a slower pace without any time pressures on you. 

2. Decide on your wager

Next, you must choose to bet on either the banker, player, or tie, as well as the side bet options. You will have a wide choice of wagers you can place using virtual chips. Select an amount that aligns with your budget and will give you sufficient playing time. You don’t want to start high, as a few hands that don’t go your way can quickly deplete the balance. 

3. Cards get dealt

Once all the bets are in, the dealer or computer will deal the cards. Look at your cards to decide what to do next. 

4. More cards dealt

The dealer will deal more cards to players and themselves at this stage if required. 

5. Winning hand

The hand that holds the closest value to 9 will be the winner; any winnings get paid out, and it’s time to get your bets on for the next hand. 

Baccarat Table and Strategies 

At a Baccarat casino, you’ll find various tables with various features and layouts. There are 3 types of tables.

Big Baccarat Table	Midi Baccarat Table	Mini Baccarat Table
✔️ Racetrack-shaped, accommodating up to 14 players.✔️ Seated in numbered positions (1-14, omitting 13).✔️ Typically 3 dealers, with one acting as the caller.✔️ Includes areas for placing bets on Player, Banker, and Tie, chip trays, and discard racks.	✔️ Mid-sized, seating around 9 players.✔️ Similar to Big Baccarat but may have slightly higher betting limits.✔️Have some interaction with the cards, unlike in Mini Baccarat.	✔️ Comparable to a blackjack table, seating 6-7 players.✔️ The dealer manages all aspects of the game, which speeds up play.✔️ Marked spots for Player, Banker, and Tie bets.

Some of the standard features you will find on all tables include the following: 

• Set position for betting on the 3 outcomes, Banker, Player, or Tie. 
• Most tables won’t have the number 13 due to superstitions. 
• A scoreboard tracking previous results.

Main Differences Between Live Baccarat and Standard Online Baccarat Tables

There are subtle differences between the tables whether you play standard or live Baccarat Malaysia. With the live tables, you can interact with the dealers or other players in real time as these get streamed using HD video streaming. It creates a more immersive experience where you can watch the hosts shuffle and deal the cards. The pace is not ideal for beginners, as you have about 12 seconds between hands to get your bets in.

A standard table, also known as RNG (random number generator) Baccarat online, is you against the computer with no other players. You can take your time to place your bets and consider whether to take more cards or stand. Payouts are instant, and you can also read the in-game Baccarat rules to get to grips with its payouts and how to play. 

If you’re a beginner, the table game version is the best way to start, as you can learn the basics before moving on to the live Baccarat options. 

Popular Online Baccarat Strategies 

Many seasoned players use a Baccarat strategy when playing in Malaysia. However, this is not a guaranteed route to success, and we advise you to do your research and use them with caution. We want to highlight 7 top ones although there are many more, as follows:

Baccarat Martingale

This strategy is used across numerous casino games like blackjack and roulette; some players even use it on the slots. How it works is that on every losing hand, you double your bet. The principle is that hitting a winning hand will offset any losses from the previous rounds. 

However, if you start with too high stakes and a few dud hands, you can deplete your bankroll. We recommend using the 1% rule, so if you had a MYR 1,000 balance, you would start with stakes of MYR 10, and the following stake would be MYR 20, etc. As soon as you have a winning hand, you revert back to the original stake of MYR 10 and start the whole process again. 

Side with the Banker

Another strategy is to only bet on the Banker’s bet. It has a higher chance of winning and better odds in the long term. However, you must use this Baccarat strategy for many rounds to maximise it. Don’t be put off by a few losing hands. The results will even out over numerous wagers. 

Baccarat Fibonacci

This strategy was originally developed for roulette but has been modified to suit Baccarat. It focuses on the Bankers bet, where you follow a sequence on each round. You must set yourself a minimum stake, and whenever you have a winning one, you move up a step in the sequence. If you lose, you return to the beginning. 

The sequence is:

1 – 1 – 2 – 3 – 5 – 8 – 13 – 21 – 34 – 55 – 89 – 144 – 233 – 377 – 610 – 987

For example:

• You set a limit of MYR 1 as your minimum bet
• The sequence would go MYR1-MYR1-MYR 2-MYR 3-MYR 5-MYR 8 etc.
• If you lose, start back at the MYR 1 bet and continue to repeat until your next losing hand

The James Bond

This Baccarat strategy is based on this iconic movie agent’s favourite game. You play each round with a set wager. For example, let’s say you were playing with MYR 200. You would then split up across all 3 available bets as follows:

• MYR 140 on the Banker bet
• MYR 50 on a Player bet
• The last MYR 10 gets placed on the Tie

You can, of course, modify the value in our example to suit your budget. But always set yourself a limit and don’t overspend using this strategy. 

The 1 3 2 6 System

This is similar to the Fibonacci strategy, but you increase your chips rather than the stake value. The initial chip is your base stake, and chips will be added as you win, with the sequence following 1, 3, 2, and 6, before it resets if you win again. 

For example:

You set your base stake at MYR 10

• Stage 1 would be played at 1 chip of MYR 10, and if it wins, you go to stage 2
• Stage 2 gets played with 3 chips with a value of MYR 10 for a total of MYR 30. If it wins, move to stage 3. 
• Stage 3 gets played with 2 chips at MYR 10  with a value of MYR 20 and a win resulting in moving to stage 4
• Stage 4 gets played with 6 chips of MYR 10 with a value of MYR 60 and a win resetting you back to stage 1

Using this strategy, you should focus on the Player/Banker bets as they have the highest winning chances.

Reverse Martingale

This betting system works similarly to the Martingale. However, with this one, when you win a round, instead of increasing your stake, you decrease it. Once you hit a winning hand, you start back at the original stake. 

The Player Bet

This is similar to siding with the Bankers bet, but you only place wagers on the Player here. It has similar chances of winning and also pays a slightly higher amount of 1:1 due to no commission attached. Again, once you start with this Baccarat strategy, stick to it and choose an appropriate bet size according to your budget. 

Managing your bankroll

When you play Baccarat online, our top tip is to manage your finances. Gambling can be a source of a lot of fun and entertainment, but if not handled properly, it can also cause stress. Our recommendations for effectively managing your budget should involve incorporating the following into your gameplay:

• Only spend what you can afford: The basic principle is to deposit money you could potentially lose. As gambling is a game of chance, you can’t be guaranteed to win every time you play.
• Set limits: To help you keep your spending in check, you can set limits on the amount of deposits you will make over a period of your choosing at online casinos in Malaysia. This can be daily, weekly, or monthly.
• Don’t try to recoup losses: If you have had a bad session, don’t be tempted to try to make it back. It never ends well, and it is always best to walk away from the Baccarat table and come back on another day. 
• Play for fun: Don’t see gambling as an extra income; use it as its intended purpose for entertainment. It puts additional pressure on you when playing and takes the fun out of the Baccarat game. 
• Understand the game: Don’t try to learn with real money if you don’t understand the basic Baccarat rules. There are many online free Baccarat options where you can practice at no cost before playing for real money. 

Play Live Baccarat Malaysia: Benefits and Winnings 

Players love the ease of finding and playing live Baccarat Malaysia. There is nothing like the thrill of placing your stakes and watching the action unfold in real-time. The best bet is to be able to access the Baccarat game at a time that suits you. Whatever your work or home schedule, there are no time constraints. You can access the live dealer games 24/7.

The live dealer games come from top-drawer studios such as Pragmatic Play, Evolution Gaming, and Playtech. These software developers have all been in the iGaming industry for a while and stream their live Baccarat from modern studios. If you’re wondering whether the games are fair, they are 100% reliable. 

They are tested, and the cards, shoes, and dealers are streamed in HD with multiple camera angles. You can watch them shuffle the cards, deal, and all the aspects of the gameplay to ensure complete transparency. They also have regular audits by independent testers who assess the game fairness and training of the dealers to ensure they comply with the standards expected.

A few of the benefits of Baccarat with live dealers include the following:

• Variety of games: There are numerous benefits to playing Baccarat online. You will find countless games with slightly different rules or payouts, wagers to suit cautious or new players, and high stakes for high rollers.
• Bonuses and promotions: One of the top perks of joining an online casino and playing live games is the bonus boosts you can claim. You can receive deposit bonuses or free chips to enhance the experience, bankroll, and winning chances.
• VIP/Loyalty programs: When you play online Baccarat, many online casinos in Malaysia offer their loyal players a chance to earn extra rewards. The more you pay and play, the higher you will climb the program’s tiers. You will receive no deposit bonuses, cashback on your losses, higher deposit and withdrawal limits, and personalised VIP customer support. 
• Mobile compatibility: As more and more Malaysian players use their mobile devices, they can play from anywhere. The mobile-friendly platforms have the same features and bonuses as the desktop sites, and with some, you can download an app with a few taps and quicker access.
• Low minimum bets: Minimum wagers can be high if you play at a traditional casino. With online, they offer lower and way more betting options to suit more budgets. 

Where to Play Online Baccarat in Malaysia 

There are many excellent gambling hubs in Malaysia that offer players live Baccarat games. However, many pose as reliable but instead are not trustworthy platforms. To confirm a site is safe to play at, undertake these few basic checks as follows:

• Gambling licence: By far, the most crucial factor for you to check and confirm. Do not go near a site without one. It should be from trusted regulators who oversee Malaysian casinos like the Malta Gaming Authority, Curacao, or PAGOR.
• Bonuses: We’ve mentioned how lucrative the casino bonuses can be. Look at the promotions page to see what is available for you. Also, check if they offer you live dealer bonuses to play Baccarat online. 
• Range of casino games: Check if there are enough Baccarat titles and what other gaming options are available. 
• Payment methods: If you have a preferred way to pay when gambling, check the payments page to see your options. Also, check the minimum deposits required to ensure it suits your budget. 
• Customer support: Sometimes, when we play games, things can go wrong. You may have a problem depositing or an issue with a game. Therefore, you’ll have to reach out to the support team. You’ll also want to check how you can reach them. Methods should include live chat, email, or social media, and 24/7 is always the best. 

Premium Online Baccarat Platforms for Malaysian Players

To help you make wise decisions when choosing gambling platforms, we want to showcase 2 sites we have vetted and tested for reliability. 

Nextbet

This platform caters to Malaysian players, and you can play and transact in MYR. There are 2 bonus opportunities for new players. The first is for slot players, and the second caters to live casino games. The bonus consists of the following: 

• 1st Deposit: 100% up to MYR 600.
• 2nd Deposit: 68% up to MYR 400

After making your deposit, you must message the team on live chat or email, letting them know your deposit amount and that you want to claim the live dealer bonus. Ongoing promotions include weekly fiat or crypto bonuses, daily rebates on Playtech live games, cashback, and live dealer insurance bonuses. 

Support is available to contact around the clock. The site is licensed and regulated by Curacao, which ensures you can gamble confidently. You can also bet on sports and enjoy thousands of games, including slots, blackjack, roulette, and online poker Malaysia.

Dafabet

Another premium site for playing online Baccarat Malaysia is Dafabet. This site also offers sports betting and offers thousands of games. You can claim a 100% welcome bonus of up to MYR 1,2000 or 100% cashback of up to MYR 100 on your first day of playing if luck isn’t on your side. 

You can also claim numerous ongoing offers, including:

• Daily 10% cashback on Microgaming games
• Pragmatic Play daily cash drop tournaments on the Baccarat table. 
• 10% cashback up to MYR 650 on your daily Jeju Speed Baccarat gameplay
• On the 15th day since your first deposit, you can get a MYR 450 daily deposit bonus.

Licensed by the Curacao e-gaming authority, this site has an excellent reputation, is a VIP club with many perks, and has a downloadable version of the Malaysian online casino website via the app. 

Conclusion to Baccarat Online

Whether you already have been playing online Baccarat Malaysia or are ready to get started, our guide has covered all the essentials. Use our tips and Bacarrat rules on how to play to master this simple and highly entertaining card game.

If you’re ready to start, Nextbet is our top site recommendation for the finest Baccarat casino. Sign up with a few simple steps and claim your bonus to boost your balance and extend your gameplay. Ready to get going? Click here to play now and enjoy the Baccarat game!