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SA Gaming Baccarat Live: Our Review, How and Where to Play

SA Gaming by SA Gaming

Live Baccarat by SA Gaming is an online live dealer baccarat game available in some of the best live casinos in Asia. It boasts an RTP of 98.94% with a $1 minimum bet and a $500 maximum wager. The game is available on both desktop and mobile and features baccarat side bets, over 12 roadmaps, and more.

SA Gaming Baccarat is a beloved fixture on almost all the best online casinos in Asia. This provider’s target audience is mostly in East Asian countries, which can be seen in the language selection and some other localization features. As our SA Gaming Baccarat review will show, however, there’s a lot more to this title.

SA Gaming Baccarat Live
  • Excitement
  • Design & Sound
  • Streaming Quality
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Live Baccarat SA Gaming Review

Game Specifications
Game nameSA Gaming Baccarat Live
Game providerSA Gaming
Game typeBaccarat
Streaming from Philippines (TL)
Bet range€1 - €500
Max win20:1
Side betsYes
Supported platforms Android Apple Tablet Windows
Supported OS Android Windows
Languages English English Indonesian Indonesian Malay Malay Mandarin Mandarin Spanish Spanish Thai Thai +1
All supported languages
  • English English
  • Indonesian Indonesian
  • Malay Malay
  • Mandarin Mandarin
  • Spanish Spanish
  • Thai Thai
  • Vietnamese Vietnamese

SA Gaming is a respected online betting software developer that’s based out of the Philippines. Even though their production reaches international platforms, their primary focus is on the local Asian market. It comes as no surprise that the majority of the existing portfolio is occupied by traditionally Asian casino games. Examples include live dealer baccarat, live sic bo and live fantan. There are over 15 baccarat live dealer tables in the SA Gaming library. Here, we’ll focus on the standard version of the classic casino game available at all SA Gaming casinos.

The entire production of the Philippine supplier was converted from Flash to HTML5, including slots and live dealer games. Though this was a noted improvement in performance, we can’t say the game looks great. The UI seems a bit dated and the stream itself is not perfect. On the bright side, the game opens up to a busy interface and contains a lot of useful tools and features incorporated for the sole purpose of making the gaming experience easier and more pleasing for the users. With over 12 different roadmaps and stats windows, players are quite informed about how things are progressing.

Interestingly, this game allows you to seamlessly switch between live table baccarat, no commission baccarat, and Cow Cow baccarat at any time. The dealer even remains the same – but the rules and payouts are affected.

Key Highlights

Option to change the language settings (English, Spanish, Malay, etc).
Advanced audio settings enabling the players to mute the sounds selectively.
Four side bets considerably broaden the player’s options.
An option to switch the table or change the table limits mid-session.
An additional in-game video that zooms in the dealer’s hands.
12 different roadmaps and detailed information on previous rounds.

How to Play Live Baccarat

SA Gaming Live Baccarat is played with 8 decks of cards, without the jokers. The game loads to a small video stream that occupies less than half of the screen. However, there is an icon to activate the full-screen mode, and also one that zooms in on the cards. The rest of the interface is divided into multiple areas. One of them is dedicated to the betting area, one to real-time statistics, one to road maps, and so on. You can play Live Baccarat 24/7 at any SA Gaming live casino.

The players have 30 seconds to place their bets and a chance to choose between a 7-seat layout and a standard one. Available bets are Player (pays even odds), Tie (pays 1:8), Banker (pays 0.95:1), and several side bets.

As always, the goal of baccarat is to predict which of the two sides will be closer to 9. Each side receives 2 cards initially, with most cards contributing face value towards the total score. However, Ace counts as 1, and all cards 10+ count as zero. As per the third card rules, a third card is sometimes drawn to get the final result. Banker bets have a slight advantage in these cases – hence the 5% commission on Banker bets.

That covers most of how live baccarat works. Note that if you switch the table to No Commission or Cow Cow, some of the above changes. Especially in the case of Cow Cow.

Live Casino Best Tips for Live Baccarat

  • Though the side bets are more interesting than the usual fare, they’re still not great for RTP. For instance, the odds for Natural side bets are much lower than industry standards.
  • The various roadmaps make this game excellent for players who rely on past round statistics.
  • Banker and Player bets are more or less identical. However, we recommend keeping your stake amount consistent. This helps with bankroll management, which is essential when you play baccarat live.

Payouts & RTP

When it comes to the payouts, this particular game is a mixed bag. The main bets are all industry-standard, as are most of the side bets. However, some options trail behind – such as the Player/Banker natural. That’s why we recommend staying away from a lot of the side bets, exciting as they might seem.

Live Baccarat SA Gaming Payouts
Banker/Player Pair11:1
Banker/Player Natural7:2 (3.5:1)
Lucky 612:1/20:1

The best way to illustrate why baccarat side bets are bad for long-term profits is to look at the RTP. While the main Banker/Player wagers boast a solid return of 98.94%, tie wagers trail behind at 85.64%. As for the others, check out the list below.

  • Banker/Player Pair: 89.64%
  • Banker/Player Natural: 85.25%
  • Lucky 6: 83.32%

New to Live Baccarat?

Special Features

We’ve already talked at length about the several stats screens, which are important SA Gaming Live Baccarat features. It displays roadmaps, the percentage of winning side bets, and a lot of other info. At the bottom of the screen, you can find audio and language settings, rules, and so on.

Of course, there is also a decent number of Sa Gaming Baccarat side bets. Let’s quickly go through them.

  • Player/Banker Pair: a classic Baccarat side bet that wins if the chosen side receives a pair with its first two cards. Can be placed independently of the main bet.
  • Player/Banker Natural: wins if the side gets a natural win. A natural win is when the card pile wins by getting a score of 8 or 9 with its first two cards.
  • Lucky 6: a creative side bet that wins if Banker wins with a total of 6. Interestingly, this instantly removes the commission on Banker bets, turning the game into a no-commission variant. This side bet pays more if Banker wins with 3 cards instead of 2.

Though these can be used to spice up the gameplay, we advise caution. If you play SA Gaming Live Baccarat for real money, using them too much can drain your bankroll quickly.


  • The UI language can be changed at any time in the options menu. Options include English, Filipino, Cantonese, Mandarin, Thai, Vietnamese, Hindi, Indonesian, Malay, Spanish.However, all SA Gaming Live Baccarat tables are in English. While you can’t change the language the dealers use, SA Gaming offers a choice of pre-recorded automatic messages. If you chose this option, the stream’s studio sounds will be muted and replaced. There are several languages to choose from for this function, including English, Mandarin, Cantonese, Thai, Indonesian, and Hindi.

Our Verdict of Live Baccarat from SA Gaming

SA Gaming live games suite is one of the top choices for Asian players.

They come with lovely croupiers and lots of handy functions, which can be somewhat distracting if you’re not playing in full-screen mode. We can’t call the interface modern or good-looking, but it’s certainly practical.

Those bettors who find these circumstances convenient may enjoy SA Gaming Live Baccarat to the fullest, both on mobile and desktop.

The biggest disadvantage in this game is the side bets. While a steep house edge is unfortunately industry standard for these, SA Gaming made the problem even worse. This is especially true for the Natural side bets.

However, if you just want to stick to main bets at the best Asian live casinos, it’s an undeniably well-made game.

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No. While the rules are made to favor the house (as in every casino game ever), everything plays out exactly as you see it on screen. SA Gaming owns several remote gambling licenses, which require a strict vetting and testing process.
Absolutely! No self-respecting software provider would not allow you to play baccarat on mobile in this day and age. The interface is fully optimized for mobile screens and controls, including both portrait and landscape modes.
Yes, actually. You can play SA Gaming Live Baccarat for free here, on the provider’s official website. The offer is limited to 30 minutes per session and has different table limits. Still, it’s a great way to try the game out before committing any of your hard-earned cash.
The Lucky 6 bet was introduced in Live Baccarat by SA Gaming in March 2021, years after the game’s release. Essentially, this side bet wins if the Banker side wins with a total point value of 6. It pays 12:1 if this happens after the first 2 cards, and 20:1 if the third card is drawn.
In terms of RTP value, the Banker and Player bets are far ahead of tie and any side bets. The banker has a slight advantage as well, even if you consider the 5% commission on banker wagers. However, the difference is almost negligible, and betting on Player is perfectly viable as well.
The highest payout in this game is 20x your stake. To win it, you have to wager on Lucky 6 and have the Banker side win with 3 cards.

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