Hi-Lo Baccarat

Hi‑Lo Baccarat enhances the classic baccarat experience by introducing Over/Under side bets. Instead of predicting only the winning hand, players can also bet on the final numerical value of the Player and Banker hands. The familiar Player, Banker, and Tie main bets remain in place, while four specialised side‑bet options add a fresh layer of excitement to each round.

A luxurious studio environment and a high return‑to‑player rate make Hi‑Lo Baccarat an appealing choice for players seeking a new twist on a well‑known classic.

Game Information

• Provider: Pragmatic Play Live
• Release Date: 25 June 2026
• Betting Time: 10 seconds
• RTP: 98.94%
• Minimum Bet: €0.20
• Maximum Bet: €5,000

Game Objective

The core gameplay follows traditional baccarat rules. The player selects a Player, Banker, or Tie bet, after which two cards are dealt to each hand. If the initial two‑card total is 8 or 9, the round ends immediately; otherwise, a third card is drawn according to standard baccarat drawing rules. The hand closest to nine wins.

Special Features

Hi‑Lo Baccarat stands out with its numerical Over/Under side bets, which are settled only after all cards have been dealt.

In baccarat, side bets typically relate to pairs, card colours, or the winning outcome, but Player Over/Under 5.5 and Banker Over/Under 5.5 bets are unique because they are based solely on the final hand value. A player can win a side bet even if their main bet loses.

Example

The Player hand receives 3 + 2 = 5, and the third card raises the total to 7.

The Banker hand finishes the round with a total of 4.

• Player Over 5.5 → wins (final value 7)
• Player Under 5.5 → loses
• Banker Over 5.5 → loses (final value 4)
• Banker Under 5.5 → wins

Even if the Banker wins the round, Player Over 5.5 can still pay out. It gives the game a more strategic twist, as players can read the numbers on the table instead of focusing only on which side comes out on top.