Baccarat is one of the most popular casino games in Asia, and you can now enjoy it from your phone or computer through Bull99. From the basic rules to advanced strategies, everything you need to know is right here.
If you've ever been to a casino in Genting Highlands or watched an action film where the lead sits at a green table with a 007 vibe, chances are the game being played was baccarat. In Malaysia, baccarat is more than just a casino game — it's become part of the nightlife and entertainment culture enjoyed across all walks of life.
One of the reasons baccarat is so popular is the simplicity of its rules. Unlike poker, which takes years to master, or blackjack, which demands memorising strategy charts, baccarat essentially asks you to choose one of three options: Banker, Player, or Tie. That's it. The dealer handles everything else.
At Bull99, baccarat is available in two main formats: standard online baccarat (played against audited RNG software) and live baccarat with real dealers via high-quality video streaming. Most Malaysian players prefer the live format as it closely replicates the feel of a real casino, complete with interaction between the dealer and fellow players.
Bull99 offers several baccarat variants, including Punto Banco (the most popular standard version), Speed Baccarat for players who prefer a faster pace, and VIP Baccarat with higher betting limits for experienced players. All tables are operated by world-class game providers, guaranteeing fairness and transparency in every round.
Among all table games in a casino, baccarat has one of the lowest house edges — just 1.06% for Banker bets and 1.24% for Player. That means for every RM 100 wagered, you can expect to lose an average of just RM 1.06 over the long run. Compared to slots, which can carry a house edge above 5%, baccarat is the smarter choice mathematically.
Baccarat is played with eight standard decks of cards (52 cards per deck). The goal is to predict whether the Banker hand or the Player hand will score closest to 9.
Card Values:
When the total point value exceeds 9, only the last digit counts. For example, if you hold a 7 and an 8 (total = 15), your hand value is 5. If you hold a 6 and a 4 (total = 10), your hand value is 0 (known as "Baccarat").
How the Game Plays Out: Two cards are dealt to the Banker hand and two to the Player hand. Based on the game's fixed rules, a third card may be drawn by either hand. As a player, you don't need to make any decision about the third card — everything is determined automatically according to baccarat rules. Your only role is to choose which hand to bet on before the cards are dealt.
There are three main bet types in baccarat. Understand each one before you sit down at the table.
All tables are operated by professional dealers with HD video streaming. Choose your table based on your preferred betting limit.
One of baccarat's most distinctive features is the tradition of following "roads" or patterns from previous round results using a scoreboard or road map. At Bull99, every live table comes with a real-time updated scoreboard.
While mathematically each round is independent and past patterns offer no guarantee of future outcomes, many experienced baccarat players still use the road map as a guide to track "momentum" and decide when to place larger bets.
Sample scoreboard below: B = Banker wins, P = Player wins, T = Tie.
No strategy guarantees a 100% win rate, but the right strategy can help you play longer and make more controlled decisions.
This is the simplest and most recommended strategy for beginners. Just bet on Banker every round. Even with the 5% commission on Banker wins, the 1.06% house edge still makes it the best bet statistically over the long run. It may not be the most exciting approach, but it works.
This strategy structures bet sizes in a sequence of 1, 3, 2, 6 units. Start with 1 unit. If you win, the next bet is 3 units. Win again, drop to 2 units. Win once more, move up to 6 units. If you lose at any stage, return to 1 unit. This approach keeps losses in check while maximising gains during a winning streak.
Wager the same amount each round and set a profit target. For example, if you start with RM 500 and aim to win RM 200, stop once your balance reaches RM 700. Resist the urge to keep playing after hitting your target. Discipline is everything.
Many Asian baccarat players use road map patterns to guide their betting. If Banker wins three times in a row, some stick with Banker. Others switch to Player assuming the trend is about to turn. Keep in mind — each round is mathematically independent, but pattern-based strategies can help you stay focused and disciplined.
While the 1:8 odds may look attractive, the 14.36% house edge on Tie means it heavily favours the casino over the player. An occasional Tie bet for fun is fine, but don't make it your main strategy. Your bankroll will last much longer by sticking to Banker and Player.
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Choose the variant that best suits your playing style and budget.
One of Bull99's key strengths is a platform fully optimised for smartphones. Whether you're on Android or iOS, the live baccarat experience on Bull99 is seamless – uninterrupted HD video streaming, easy-to-tap betting buttons, and a clearly displayed road map even on smaller screens.
You can play on your lunch break at the office, while waiting at a mamak, or from the comfort of your couch. Depositing is simple — use Touch 'n Go eWallet, GrabPay, Boost, ShopeePay, DuitNow, or FPX via Maybank2u and CIMB Clicks. Funds are in within minutes, and you're ready to jump straight to your favourite baccarat table.
No special app needed – Bull99 runs fully through your phone's web browser. That means no risk of files or updates eating into your phone's storage. Everything is lightweight, fast, and secure.
We built this platform with the Malaysian player experience as the priority, not just platform profit.
Our video streaming technology ensures you never miss a moment at the table. High resolution and low latency, even on a standard internet connection.
All Bull99 dealers are trained professionals who are experienced and friendly. Some tables feature dealers who speak Bahasa Malaysia for added comfort.
Every round of baccarat at Bull99 is conducted under independent audit oversight. Cards are shuffled automatically and monitored through multiple cameras to ensure complete fairness.
From RM 5 for beginners to RM 50,000 for VIP players – Bull99 has a table for every bankroll size. No pressure to bet beyond your means.
Bull99 members are eligible for weekly cashback and reload bonuses that can be used at the baccarat tables. Check your promotions page regularly to stay updated on the latest offers.
Review your betting history anytime through the History section in your Bull99 account. Analyse your win and loss patterns to keep refining your strategy.
When you play baccarat or any other game at Bull99, all your personal information and financial transactions are protected with 256-bit SSL encryption. We do not sell or share your data with any third party without your consent. Data collected is used solely for account verification, payment processing, and service improvement. You have the right to request access, correction, or deletion of your personal data at any time. For more information, please refer to Privacy Policy our full
Answers to the most frequently asked questions from both new and experienced baccarat players.
Baccarat and all casino games at Bull99 are for entertainment purposes only. Never play with money you cannot afford to lose. If you find it hard to stop playing, please use the deposit limit or self-exclusion features in your account settings. For further assistance, visit the Responsible Gaming us or contact our support line: 1800-88-8181. The Bull99 platform is for players aged 18 and above only.
Register your Bull99 account today, claim your welcome bonus, and start at a low-limit table to get comfortable. Thousands of Malaysian players already enjoy live baccarat at Bull99 every day – come join them.