Pragmatic Play launches Hi-Lo Baccarat, a live game adding Over/Under side bets to classic baccarat gameplay.
Pragmatic Play has expanded its live casino portfolio with the launch of Hi-Lo Baccarat, a new live dealer game that gives one of casino’s most familiar card games a fresh betting twist. The release keeps the simple structure of traditional baccarat but adds extra ways for players to take part in each round through new Over/Under side bets.
The game is built around the same core baccarat format that many players already know. Players can still place the classic bets on Player, Banker, or Tie. The main difference is that Hi-Lo Baccarat also lets players bet on whether the final value of the Player or Banker hand will finish over or under 5.5 once all cards have been dealt.
This gives the game a different rhythm from standard baccarat. Instead of only choosing which hand will win, players can also make a prediction about the final hand value. For example, a player may decide that the Banker hand will finish over 5.5, or that the Player hand will finish under 5.5. These side bets are separate from the main baccarat result and add more betting variety to every round.
Hi-Lo Baccarat does not move away from the basics that made baccarat popular in the first place. The dealer still deals cards to the Player and Banker positions, and the aim is still to get as close as possible to a total hand value of nine. The game remains quick, simple, and easy to follow, which makes it suitable for both experienced baccarat players and people trying the game for the first time.
Where this version stands out is in the added Hi-Lo side betting system. Alongside the main Player, Banker, and Tie bets, Pragmatic Play has introduced four extra side bets:
These wagers are based on the final numerical value of the selected hand after all cards are dealt. This means players are not only watching which side wins, but also following the final value of each hand more closely. It makes each round feel more active without making the rules too complicated.
In standard baccarat, players usually focus on three main betting choices: Player, Banker, or Tie. The Banker bet is often seen as the strongest option because it normally has the highest theoretical return, while the Tie bet usually carries a much lower RTP but higher payout potential.
Hi-Lo Baccarat keeps those same traditional bets but adds a second layer of decision-making. The Over/Under 5.5 side bets allow players to make predictions based on the final hand totals, even if they are not only focused on who wins the round. This makes the game feel closer to a modern live casino format, where players have more choices and more moments to follow during the action.
The studio presentation also gives the game a premium feel. Pragmatic Play has designed Hi-Lo Baccarat with a gold, purple, and textured blue studio environment. The visual style is elegant and polished, fitting the feel of a high-end live casino table while keeping the screen clear and easy to understand.
Hi-Lo Baccarat is available as an HTML5 live casino game and is designed for desktop, mobile, and tablet play. This makes it accessible across different devices, so players can join the table from home or while playing on the go.
The game also supports a wide range of UI languages, including English, Indonesian, Hindi, Japanese, Korean, Spanish, French, German, Italian, Portuguese (BR), Turkish, Swedish, Dutch, Chinese, Arabic, and many more. Operator customizations include table limits, opposite betting blocking, and a maximum number of idle rounds.
The strongest theoretical RTP in Hi-Lo Baccarat is the Banker bet, which has a return to player of 98.94%. The Player bet follows closely with an RTP of 98.76%, while the Tie bet has a lower RTP of 85.64%.
| Bet Type | Return to Player |
|---|---|
| Player | 98.76% |
| Banker | 98.94% |
| Tie | 85.64% |
The side bets come with lower RTP figures than the main Player and Banker bets, but they add more variety to the game. Player Over 5.5 has an RTP of 93.42%, Player Under 5.5 has 93.24%, Banker Over 5.5 has 93.61%, and Banker Under 5.5 has 93.86%.
| Side Bet | Return to Player |
|---|---|
| Player Over 5.5 | 93.42% |
| Player Under 5.5 | 93.24% |
| Banker Over 5.5 | 93.61% |
| Banker Under 5.5 | 93.86% |
To play Hi-Lo Baccarat, players first choose their bet before the 10-second betting timer ends. They can place a standard baccarat bet on Player, Banker, or Tie, or add one of the Over/Under side bets. Once betting closes, the dealer deals the cards and the hand values are calculated according to baccarat rules.
The Player and Banker bets are settled based on which hand finishes closest to nine. The Hi-Lo side bets are settled based on whether the final value of the chosen hand is over or under 5.5. This makes the game easy to understand for regular baccarat fans while giving them something new to consider each round.
Hi-Lo Baccarat is a smart addition to Pragmatic Play’s live casino range. It keeps the speed and simplicity of traditional baccarat but adds side bets that make each round more flexible. For players who enjoy baccarat but want a little more choice at the table, this new release offers a polished and easy-to-follow live casino experience.
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