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5 Treasures is baccarat without the annoying 5% commission, plus five side bets you can throw down for bigger payouts. The basic game hasn't changed. You're still betting on Player or Banker to hit 9. But now you can bet on stuff like three-card 7s or natural 9s for way bigger wins.
I'm breaking down how the game works, what each side bet actually pays, and which ones make sense depending on how you like to play.
Think of it as regular baccarat with the 5% commission stripped out and five bonus bets added on top of the usual Player, Banker, and Tie options. The goal's still the same: pick which hand gets closest to 9. What makes it different? Five bonus bets that pay when specific cards show up. Like if the Banker wins with a three-card 7, or you see multiple 7s in the opening deal.
The five 'treasures' are just fancy names for the side bets: Fortune 7, Golden 8, Blazing 7s, Heavenly 9, and Cover All. Each one pays on a different card combo. You can bet on as many as you want alongside your main wager. Side bets and main bets run separately. So you might lose on Banker but still cash in on Fortune 7 if it hits.
The casino drops the 5% commission on Banker wins, so you don't have to do weird math on payouts. Here's the catch: when Banker wins with a three-card 7, your main bet pushes instead of paying. That's how they make up for ditching the commission. That push rule is how the casino keeps its edge without charging commission.
If you already know how to play baccarat, 5 Treasures will feel familiar. Card values? Same. Drawing rules? Same. Hand rankings? Same. Two things changed: no commission, and those five side bets.
Regular baccarat pays 0.95:1 on Banker because the house takes 5%. 5 Treasures pays even money on Banker, but that three-card 7 push makes up for it. The house edge ends up about the same. They just changed how they take it.
The bigger distinction is the five dedicated side bets. Standard baccarat tables might offer one or two bonus wagers, but 5 Treasures builds its identity around all five. More bets mean bigger swings. If you want more action each round, you got it.
Play it like regular baccarat. The only difference is that you can add side bets before the cards come out. Here's how it works:
Side bets and main bets don't affect each other. You could bet on Player, lose that wager, but still hit a Heavenly 9 payout if a natural 9 wins the round. The two outcomes don't affect each other.
The side bets are why people actually play this version. Each bet pays on a different card combo. Rarer outcomes pay more.
Fortune 7 hits when Banker wins with a three-card 7. Three-card hand means the Banker drew instead of standing on two.
Usually pays 40:1. Exact payout depends on where you're playing. When Banker wins with a three-card 7, your main Banker bet pushes. But Fortune 7 still pays if you bet it. So while you lose the main bet payout, you can still collect on the Fortune 7 side wager if you placed one.
Golden 8 is the Player version. Pays when Player wins with a three-card 8. It pays when the Player wins with a three-card total of 8.
Usually pays 25:1. It pays less than Fortune 7 because Player and Banker follow different drawing rules, so the odds aren't the same.
Blazing 7s counts how many 7s show up in the opening four cards (two each for Player and Banker). More 7s mean bigger payouts.
The tiered payout makes it more interesting than bets that only have one way to win. You're not just hoping for one specific result; you're watching for any 7s to appear. Bigger payouts mean worse odds. That's how it works.
Heavenly 9 hits when someone wins with a natural 9. A natural is an 8 or 9 on the first two cards. Round's over when that shows up.
Some tables pay more if both hands are natural, or if the winning natural is suited. Naturals show up a lot in baccarat, so this bet hits way more often than the others. The payouts are smaller to match.
Cover All is the catch-all bet. It pays on multiple card combos from either side, all in one bet.
It hits more often than the other side bets but pays less when it does. Some people try using it to hedge other side bets. Doesn't really work once you factor in the house edge.
Main bets have pretty much the same odds as regular baccarat. Banker's still the best bet math-wise. Player's close behind. Tie sucks. Dropping the commission doesn't change this. The house just grabs its edge differently.
Side bets tell a different story. All five side bets have a worse house edge than the main game. Want bigger payouts? You're giving the house a bigger edge. That's how side bets work.
Percentages change depending on where you play. Check the paytable before you bet. One thing never changes: main bets beat side bets for long-term odds.
If you're playing for the long haul, stick with Banker. The no-commission thing doesn't change that. Banker's still got the best odds.
Treat side bets like fun money, not your main strategy. They're exciting and can hit big, but you'll bleed more cash in the long run. Side bets give the house way more edge than the main game.
Watch your bankroll with side bets. They'll eat through your money faster than regular baccarat if you're not careful with bet sizes.
Crypto baccarat tables often feature variants like 5 Treasures alongside standard and speed baccarat options. Crypto casinos are fast. Deposits and withdrawals don't take days, and they usually have more game options than traditional sites.
JB has 5 Treasures plus other baccarat variants, all with instant crypto payouts. If you want to try the side bets and actually get your money fast when you win, check it out.
Baccarat's simpler. You make way fewer decisions. Blackjack requires hit, stand, double, and split choices on every hand. In baccarat? Pick Player or Banker before the deal. That's it. The dealer handles the rest. The dealer manages all the complexity.
Banker has the best odds. That's why people who know what they're doing usually bet it. Same goes for the 5 Treasures, even without the commission. The three-card 7 push keeps the house edge where it needs to be.
Yes, 5 Treasures is available at select online casinos, including crypto casinos that feature live dealer tables. Availability varies by platform, so checking the table game selection before signing up is worthwhile.
Side bets have worse odds than main bets. Treat them like fun money, not your core strategy. They're exciting and can pay big, but you'll do better sticking to main bets long-term. If you like big swings and don't mind the risk, throw down a side bet here and there.
