XXXtreme Lightning Baccarat

XXXtreme Lightning Baccarat

RTP: 90.45% - 98.68%
Max win: 500,000x
Provider: Evolution
Release year: 2023
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XXXtreme Lightning Baccarat is a successor to the highly popular Lightning Baccarat, adding more multiplier cards and higher multipliers for an increased chance of scoring big wins. It’s played with a live dealer over a video stream and offers potential winnings of up to ₹5 crore.

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XXXtreme Lightning Baccarat

XXXtreme Lightning Baccarat By Evolution Review

Quick Facts

  • RTP: 90.45% – 98.68%
  • Maximum win: 500,000x (or ₹5 crore)
  • Time per round: 40 seconds
  • Betting range: ₹100 – ₹2 lakh
  • Release date: October 2023
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The Game in Short

Like traditional Baccarat, the objective in XXXtreme Lightning Baccarat remains the same – predict whether the ‘Player’ side or the ‘Banker’ side will be dealt a card value closest to 9. Additionally, you can bet on the result being a tie or bet if the cards dealt to the ‘Player’ or ‘Banker’ will form a pair.

In every game round, the ‘Player’ and the ‘Banker’ are dealt two cards. The game may also introduce a third card based on the values of the first two. All the card values are added together and compared. Any total value exceeding 10 is reduced by 10. For example, if the ‘Banker’ cards sum up to 13, the actual value is 3.

Special Features

What sets XXXtreme Lightning Baccarat apart from the classic game is the addition of 4 to 8 multiplier cards that can boost your winnings. These cards carry win multipliers that range from x2 to x10.

In a game round, it could be that the following cards are selected:

  • 3 of diamonds with an x2 multiplier
  • Ace of clubs with an x2 multiplier
  • Queen of diamonds with an x2 multiplier
  • 2 of spades with an x3 multiplier
  • 9 of clubs with an x5 multiplier
  • 7 of hearts with an x10 multiplier

If you win your bet and the 9 of clubs is included, your payout would be boosted by x5.

XXXtreme Lightning Baccarat gameplay 2

If several multiplier cards are included in the winning bet, these would multiply each other.

For instance, if you win a tie bet where the ‘Banker’ is dealt 9 of clubs and Queen of diamonds (total value of 9) and the ‘Player’ is dealt 3 of diamonds and 7 of hearts (total value of 9), the payout would be boosted by x200 (5 * 2 * 2 * 10).

Compared to traditional baccarat, this makes it possible to win huge amounts. But there is a catch. On every bet in XXXtreme Lightning Baccarat, you must pay a 50% fee. So, the chances of the heavily increased payouts come at the cost of paying more to participate in each game round.


The paytable in XXXtreme Lightning Baccarat is as follows:

Type of BetMinimum PayoutMaximum Payout
Tie2.85:1₹5 crore
Banker Pair8:1800:1
Player Pair8:1800:1

The minimum payout indicates what you would get paid if no multiplier cards are applied to the winning bet. On the other hand, the maximum shows the payout while winning with a full set of multiplier cards, all of which have a multiplier of x10.

For instance, the most cards you can win with for the Player or Banker bet is three as either side will either be dealt two or three cards. If all three of the winning cards have an x10 multiplier, the original 1:1 payout is multiplied by x1000, resulting in a 1,000:1 payout.

The tie bet can pay significantly more than all other bets as both the cards for the Banker and Player are considered. It could receive a x1,000,000 multiplier if you win with six cards, all of which have the x10 multiplier.

However, the game has a maximum win limit of ₹5 crore. Thus, you would never get paid more than this. If you bet the minimum of ₹100 on a game round, the highest possible multiplier to your bet would be 500,000:1.

RTP (Payout Percentage)

The RTP in XXXtreme Lightning Baccarat varies between different bets and is as follows:

Type of BetRTP
Banker Pair90.45%
Player Pair90.45%

Depending on the bet you place, you would be expected to win ₹90.45 – ₹98.68 for every ₹100 spent (on average, in the long run).

Compared to other live dealer games, the RTP for the Player and Banker bet is considered high, as the average RTP tends to range from 95% – 97%.

The tie and pair bets have a lower than average RTP, although higher than what you would find in classic baccarat, making XXXtreme Lightning Baccarat a more profitable choice for these kinds of bets.

Fun Factor 

Just like its predecessor, I find XXXtreme Lightning Baccarat to be quite an interesting game. Coming from someone who normally doesn’t play Baccarat due to its overly simple gameplay and low payouts, this version combats that with its random multiplier cards. It’s still Baccarat, but it’s much more exciting as you have more things to pay attention to and above all, huge potential payouts to hope for.

Compared to the original Lightning Baccarat that the game is based on, I really appreciate the fact that XXXtreme Lightning Baccarat guarantees at least 4 multiplier cards game per round as opposed to just 1. This means the chances of getting an increased payout are substantially increased. Of course, it comes at the cost of having to pay more on each game round as the fee in Lightning Baccarat is 20% and the fee in XXXtreme Lightning Baccarat is 50%. But I can live with that.

All in all, I like the game and would recommend trying it out – especially if you’re already a fan of Baccarat. Being hosted by Evolution Gaming, it is available on pretty much all online gambling sites.


In traditional Baccarat, famous strategies such as Martingale, Paroli, and D’Alembert can be applied to the Player and Banker bets which have a close to 50% chance of winning while paying out 1:1. 

In XXXtreme Lightning Baccarat, these strategies don’t work that well. Even if the chance of winning a Player and Banker bet remains the same, you must pay a 50% fee on every game round and instead of winning 1:1, you will often find yourself winning more.

Of course, the aforementioned strategies could still be applied, but they wouldn’t be working as intended.

In XXXtreme Lightning Baccarat, strategies more come down to the RTP of the different bets. If you want to have the highest chance of profiting from your session, the best strategy is to only bet on ‘Player’ as this bet has the highest RTP. You would want to stay away from the Tie and Pair bets as these could quickly make your balance drop due to their low payout percentages.

In fact, there is never any reason to bet on the Pair options unless you want to add them to make the gameplay more exciting. The Tie bet, on the other hand, you may want to include for its potential of enormous payouts as this can pay substantially more than the ‘Banker’ and ‘Player’ bets.

Compare Lightning Baccarat With XXXtreme Lightning Baccarat

To help you decide whether Lightning Baccarat or XXXtreme Lightning Baccarat is the right game for you, here is a quick comparison:

FeatureLightning BaccaratXXXtreme Lightning Baccarat
RTP88.35% – 98.76%90.45% – 98.68%
Max win500,000x500,000x
Lightning fee20%50%
Multiplier cards1 – 54 – 8
Multiplier valuesx2 – x8x2 – x10

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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