Lightning Baccarat

Lightning Baccarat

RTP: 88.35% - 98.76%
Max win: 513x - 500,000x
Provider: Evolution
Release year: 2020
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Lightning Baccarat is an exciting twist on a card game that was created in the 15th century. It offers fast game rounds, a lovely design and a random multiplier feature that can result in crazy payouts. It’s very similar to Golden Wealth Baccarat.

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Lightning Baccarat By Evolution Review

Quick Facts

  • RTP: 88.35% – 98.76%
  • Maximum win: 513x – 500,000x
  • Time per round: 40 seconds
  • Betting range: ₹100 – ₹2 lakh
  • Release date: 2020
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The Game in Short

Lightning Baccarat plays similarly to traditional Baccarat where the goal is to guess which of two sides will end up with a card value closest to 9. You can either bet on the Player side, the Banker side or a Tie. The game is not too different from Andar Bahar, but it is a bit more complicated. 

The Player and the Banker will always receive two cards each. However, depending on what these cards show, they may also receive a third one. Any value above 10 is subtracted by 10, so should the Banker get a total card value of 13, it would actually be 3. 

What makes Lightning Baccarat unique from the traditional game is that one to five lightning struck cards are randomly added to the screen on every game round. Each of these cards will be assigned a win multiplier of x2, x3, x4, x5 or x8.  


Whenever you win with such a card, the multiplier applies to your payout. For instance, let’s say you bet on the Player. The 8 of spades is then assigned a win multiplier of x8. Now, if the Player wins the game round and is dealt the 8 of spades, your payout will be 8 times higher than it normally would. 

The big highlight of the game is that multipliers can multiply each other. So, if a hand is won with three cards that have an x2, x5, and x8 multiplier on them, your payout would be boosted by a total of x80.

To make up for the increased payouts compared to traditional baccarat, a lightning fee of 20% is charged on each bet.

Lightning Baccarat is more or less identical to Golden Wealth Baccarat, which is a less volatile successor of the game that guarantees 5 multiplier cards on each game round.

Fun Factor 

I like this game quite a lot and it’s all because of its level of excitement. Normally, Baccarat doesn’t float my boat; I never play it when gambling online. However, with the randomness of the lightning cards and the potential to win much more than you would in traditional Baccarat, I find this particular game to be plenty of fun. 

The lovely design and social atmosphere also add to the experience. While some dealers could show a bit more enthusiasm, they are much more interesting than they are on most traditional Baccarat tables that can be found in live dealer casinos. On those, the dealers are usually silent, but in Lightning Baccarat they regularly talk. Then you also have a chat which players occasionally use.

While I wouldn’t rate the game a 5 out of 5, I definitely recommend players trying it out. 


To me, a big reason for playing Lightning Baccarat is the game’s payouts. A Player or Banker bet can pay up to 513 times your bet amount, while a Tie bet has the potential to pay over 1.3 million times your stake. This payout would occur if you win on a tie when a total of six cards are dealt and all of these cards have an x8 multiplier assigned to them. 

You wouldn't get paid the full amount for such a hit though. There is a condition in the game that states that no round can pay more than ₹500 lakhs. Since the minimum bet is ₹100, the maximum payout in Lightning Baccarat is capped at 500,000 times your bet amount. Nevertheless, it is really cool that the game can pay such enormous amounts.

Personally, I don’t make use of the tie bet too much. I do include it for the chance of winning huge, but I tend to bet less on this position. This is because the RTP is significantly lower than for Player and Banker bets. It’s 94.51% while Player and Banker come with an RTP of 98.76% and 98.59% respectively.

With that said, the high RTP of the Player and Banker bet is something that speaks in favor of Lightning Baccarat. This is one of the higher RTPs that you will find in casino games, which means that your chance of making a profit is just about as good as it gets. 

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Strategies in Lightning Baccarat revolves around the game’s RTP which is different for different bets. Let me break it down to you:

Bet OptionRTPPays
Player98.76%2x – 513x
Banker98.59%2x – 513x
Tie94.51%6x – 500,000x
Player Pair88.35%10x – 577x
Banker Pair88.35%10x – 577x

Player Pair and Banker Pair are two side bets that should be avoided at all cost because of their RTP which is absolutely terrible. You can include them if you find the game to be more entertaining with them, but expect to lose a lot more money. 

The optimal strategy in Lightning Baccarat is to only bet on Player as this side has the highest RTP. Since a Player and Banker bet is the exact same thing, there is no reason to ever bet on the Banker. You may wonder why the RTP is slightly lower for the Banker. It’s because a 5% commission is charged on this bet.

Betting on Tie is not a great strategy in terms of chances of making a profit, but it is the only way to get paid more than 513 times your bet amount. So, if you’re feeling lucky and want to end the day with a massive win, it’s worth placing a bet on this position. 

Mattias Fröbrant is a passionate iGaming journalist renowned for his comprehensive reviews of over 300 gambling sites in India. With a remarkable 17-year gambling experience and a background working for industry giants like Betsson Group, Mattias has earned recognition as a leading expert in the Indian online gambling field.

At GamblingBaba, Mattias’s commitment to providing accurate and easily digestible information shines through meticulously researched reviews, guides, and news articles. His strong belief in honesty and transparency ensures that readers receive the most reliable insights on the Indian gambling landscape.

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