Lightning Baccarat: How the Multipliers Work, the 20% Fee and a Free Demo

Lightning Baccarat does to baccarat what Lightning Roulette did to the wheel. Evolution takes a standard game and, in every round, strikes between one and five random cards with lightning, each carrying a multiplier of 2x, 3x, 4x, 5x or 8x. Win with a hand that includes one of those cards and your payout is multiplied. The catch is a 20% Lightning Fee on every bet, which is the price of those multipliers.

The live version runs in Evolution’s black-and-gold Art Deco studio and can only be played for real money. The First Person version below uses the same idea on an RNG table, so you can see how the Lightning Cards work for free.

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Lightning Baccarat game details

How Lightning Baccarat works

The baccarat itself is standard: two hands, Player and Banker, dealt under normal Punto Banco rules, with the hand closest to nine winning. Before the deal, the game randomly selects one to five Lightning Cards and gives each one a multiplier. If a winning hand contains a Lightning Card, the win is multiplied.

Because the multipliers are paid for by the 20% fee, base payouts on Lightning Baccarat are adjusted compared with standard baccarat. The game’s paytable shows exactly what each bet pays at the casino you’re using.

Is Lightning Baccarat worth the fee?

It depends on what you want from the game. Standard baccarat is one of the lowest-edge games in a casino, with the Banker bet at about 1.06%. Lightning Baccarat trades some of that efficiency for excitement: most rounds pay less than standard baccarat, and a few pay far more. If you want the best long-run value, play standard baccarat and bet Banker or Player. If you want the thrill of the occasional multiplied hand, Lightning is the more entertaining table. Compare the RTP figures in the game’s help screen before you decide.

Lightning Baccarat vs other Lightning games

The Lightning format started with Lightning Roulette, where random numbers carry multipliers up to 500x. Lightning Baccarat’s card multipliers are smaller, but they land on far more winning hands. For the basics of the classic game, start with First Person Baccarat or our baccarat guide.

FAQ

18+ only. Free demos use play money. If you play for real money, set a limit first. Responsible gambling.