What Is No Commission Baccarat? Definition & Rules
No Commission Baccarat is a variant of the classic card game baccarat where the house does not take the standard 5% commission on winning Banker bets, instead adjusting the Banker payout to 0.95:1 on winning hands excluding a three-card 7.
This modification simplifies payouts and appeals to players who prefer straightforward betting without deductions. For example, a $10 Banker bet that wins pays $9.50 instead of $10 minus commission. Players benefit from understanding this rule change as it alters the game’s house edge slightly compared to traditional baccarat, making it important for informed betting decisions in live dealer or online formats available to Australian players.
Core Rules and Payouts
In No Commission Baccarat, players bet on Player, Banker, or Tie, with two cards dealt to each hand following standard drawing rules. Player wins pay 1:1, Tie pays 8:1 or 9:1 depending on the table, but Banker wins pay 0.95:1 except when the Banker hand is a three-card total of 7, which pushes or pays 1:1 in some versions.
Key Difference from Standard Baccarat
The removal of commission eliminates the 5% deduction on Banker wins, though the adjusted payout balances the odds. This results in a house edge of approximately 1.06% on Banker bets overall.
House Edge and Player Impact
The Banker bet remains the optimal choice with the lowest house edge at around 1.06%, slightly higher than standard baccarat’s 1.06% due to the three-card 7 adjustment, which occurs infrequently. Player bet house edge is 1.24%, and Tie is over 14%.
Australian players encounter this variant in live dealer games at licensed offshore operators, where understanding the payout tweak helps manage expectations on returns. Responsible play involves recognising the built-in house advantage across all bets.
| Bet Type | Payout | House Edge |
|---|---|---|
| Banker | 0.95:1 (exc. 3-card 7) | 1.06% |
| Player | 1:1 | 1.24% |
| Tie | 8:1 | 14.4% |
| Banker 3-card 7 | Push or 1:1 | N/A |
