Last Updated: January 20, 2019

# Lucky Lucky

## Introduction

Lucky Lucky is a side bet based on the player's first two cards and the dealer's up card. As far as I know, it is the first side bet to be based on the player's first two cards and the dealer's up card. Aces may be counted as one or eleven points.

Through the years I have seen four pay tables, which I refer to on this page as numbers 1 to 4. Pay table 1 was the original one and seen at casinos all over the United States and Canada. Pay table 2 was a double-deck version, omitting the pay for a suited 7-7-7, which is impossible in a double-deck game. Pay table 3 came along around 2014 as an apparent effort to increase what was a low house advantage for a side bet. Pay table 4 can be found at Internet casinos using Felt Gaming software.

Since it came out, there have been many imitators. Fortune Blackjack, for example, is the same the same thing with a different name and one change to the pay table.

The following table shows the various pay tables.

### Lucky Lucky Pay Tables

Event PT 1 PT 2 PT 3 PT 4 PT 5 PT 6 PT 8 PT 8
Suited 7-7-7 200 0 200 200 200 200 100 500
Suited 6-7-8 100 100 100 100 100 100 50 200
Unsuited 7-7-7 50 50 50 50 50 50 30 100
Unsuited 6-7-8 30 30 30 25 30 30 10 25
Suited total of 21 15 10 10 15 15 10 3 15
Unsuited total of 21 3 3 3 3 3 3 2 3
Total of 20 2 2 2 2 2 2 2 2
Total of 19 2 2 2 2 1 1 1 1

## Analysis — Pay Table 1 — Six Decks

Following is my analysis of pay table 1 using six decks. The lower right cell shows a house edge of 2.66%, which is quite low for a side bet.

### Lucky Lucky — Pay Table 1 — Six Decks

Event Pays Combinations Probability Return
Suited 7-7-7 200 80 0.000016 0.003191
Suited 6-7-8 100 864 0.000172 0.017234
Unsuited 7-7-7 50 1,944 0.000388 0.019388
Unsuited 6-7-8 30 12,960 0.002585 0.077553
Suited total of 21 15 26,568 0.005299 0.079492
Unsuited total of 21 3 406,296 0.081043 0.243130
Total of 20 2 377,568 0.075313 0.150626
Total of 19 2 364,320 0.072670 0.145341
All other -1 3,822,720 0.762513 -0.762513
Total   5,013,320 1.000000 -0.026556

## Analysis — Pay Table 2 — Two Decks

Following is my analysis of pay table 2 using two decks. The lower right cell shows a house edge of 5.39%.

### Lucky Lucky — Pay Table 2 — Two Decks

Event Combinations Probability Pays Return
Suited 6-7-8 100 32 0.000176 0.017572
Any 7-7-7 50 56 0.000308 0.015376
Unsuited 6-7-8 30 480 0.002636 0.079076
Suited total of 21 10 936 0.005140 0.051399
Unsuited total of 21 3 14,904 0.081843 0.245530
Total of 20 2 13,792 0.075737 0.151474
Total of 19 2 13,344 0.073277 0.146554
All other -1 138,560 0.760884 -0.760884
Total   182,104 1.000000 -0.053903

## Analysis — Pay Table 2 — One Deck

Following is my analysis of pay table 2 using one deck. The lower right cell shows a house edge of 5.05%.

### Lucky Lucky — Pay Table 2 — One Deck

Event Pays Combinations Probability Return
Suited 6-7-8 100 4 0.000181 0.018100
Any 7-7-7 50 4 0.000181 0.009050
Unsuited 6-7-8 30 60 0.002715 0.081448
Suited total of 21 10 108 0.004887 0.048869
Unsuited total of 21 3 1,836 0.083077 0.249231
Total of 20 2 1,688 0.076380 0.152760
Total of 19 2 1,640 0.074208 0.148416
All other -1 16,760 0.758371 -0.758371
Total   22,100 1.000000 -0.050498

## Analysis — Pay Table 3 — Six Decks

Following is my analysis of pay table 3 using six decks. The lower right cell shows a house edge of 5.31%.

### Lucky Lucky — Pay Table 3 — Six Decks

Event Pays Combinations Probability Return
Suited 7-7-7 200 80 0.000016 0.003191
Suited 6-7-8 100 864 0.000172 0.017234
Unsuited 7-7-7 50 1,944 0.000388 0.019388
Unsuited 6-7-8 30 12,960 0.002585 0.077553
Suited total of 21 10 26,568 0.005299 0.052995
Unsuited total of 21 3 406,296 0.081043 0.243130
Total of 20 2 377,568 0.075313 0.150626
Total of 19 2 364,320 0.072670 0.145341
All other -1 3,822,720 0.762513 -0.762513
Total   5,013,320 1.000000 -0.053054

## Analysis — Pay Table 4 — Six Decks

Following is my analysis of pay table 4 using six decks. The lower right cell shows a house edge of 3.95%.

### Lucky Lucky — Pay Table 4 — Six Decks

Event Pays Combinations Probability Return
Suited 7-7-7 200 80 0.000016 0.003191
Suited 6-7-8 100 864 0.000172 0.017234
Unsuited 7-7-7 50 1,944 0.000388 0.019388
Unsuited 6-7-8 25 12,960 0.002585 0.064628
Suited total of 21 15 26,568 0.005299 0.079492
Unsuited total of 21 3 406,296 0.081043 0.243130
Total of 20 2 377,568 0.075313 0.150626
Total of 19 2 364,320 0.072670 0.145341
All other -1 3,822,720 0.762513 -0.762513
Total   5,013,320 1.000000 -0.039482

## Analysis — Pay Table 5 — Six Decks

Following is my analysis of pay table 5 using six decks. The lower right cell shows a house edge of 9.96%.

### Lucky Lucky — Pay Table 5 — Six Decks

Event Pays Combinations Probability Return
Suited 7-7-7 200 40 0.000014 0.002763
Suited 6-7-8 100 500 0.000173 0.017267
Unsuited 7-7-7 50 1,100 0.000380 0.018994
Unsuited 6-7-8 30 7,500 0.002590 0.077704
Suited total of 21 15 15,300 0.005284 0.079258
Unsuited total of 21 3 234,900 0.081123 0.243368
Total of 20 2 218,200 0.075355 0.150710
Total of 19 1 210,600 0.072731 0.072731
All other -1 2,207,480 0.762351 -0.762351
Total   2,895,620 1.000000 -0.099557

## Analysis — Pay Table 6 — Six Decks

Following is my analysis of pay table 6 using six decks. The lower right cell shows a house edge of 12.60%.

### Lucky Lucky — Pay Table 6 — Six Decks

Event Pays Combinations Probability Return
Suited 7-7-7 200 40 0.000014 0.002763
Suited 6-7-8 100 500 0.000173 0.017267
Unsuited 7-7-7 50 1,100 0.000380 0.018994
Unsuited 6-7-8 30 7,500 0.002590 0.077704
Suited total of 21 10 15,300 0.005284 0.052838
Unsuited total of 21 3 234,900 0.081123 0.243368
Total of 20 2 218,200 0.075355 0.150710
Total of 19 1 210,600 0.072731 0.072731
All other -1 2,207,480 0.762351 -0.762351
Total   2,895,620 1.000000 -0.125976

## Analysis — Pay Table 7 — One Deck

Following is my analysis of pay table 7 using one deck. The lower right cell shows a house edge of 5.05%.

### Lucky Lucky — Pay Table 7 — One Deck

Event Pays Combinations Probability Return
Suited 6-7-8 100 4 0.000181 0.018100
Any 7-7-7 50 4 0.000181 0.009050
Unsuited 6-7-8 30 60 0.002715 0.081448
Suited total of 21 10 108 0.004887 0.048869
Unsuited total of 21 3 1,836 0.083077 0.249231
Total of 20 2 1,688 0.076380 0.152760
Total of 19 2 1,640 0.074208 0.148416
All other -1 16,760 0.758371 -0.758371
Total   22,100 1.000000 -0.050498

The following table is an analysis of pay table 8 with six decks.

### Lucky Lucky — Pay Table 8 — Six Decks

Event Pays Combinations Probability Return
Suited 777 500 80 0.000016 0.007979
Suited 678 200 864 0.000172 0.034468
Unsuited 777 100 1,944 0.000388 0.038777
Unsuited 678 25 12,960 0.002585 0.064628
Suited 21 15 26,568 0.005299 0.079492
Unsuited 21 3 406,296 0.081043 0.243130
Any 20 2 377,568 0.075313 0.150626
Any 19 1 364,320 0.072670 0.072670
All other -1 3,822,720 0.762513 -0.762513
Total   5,013,320 1.000000 -0.070743

## House Edge Summary

Following is a summary of the house edge by pay table and number of decks.

### House Edge Summary

Decks Pay Table 1 Pay Table 2 Pay Table 3 Pay Table 4 Pay Table 5 Pay Table 6 Pay Table 7 Pay Table 8
1 2.61% 5.95% 6.66% 6.41% 7.31% 8.67% 9.56% 8.67%
2 2.82% 5.21% 6.02% 5.97% 6.85% 8.17% 9.03% 8.17%
3 2.77% 4.65% 5.5% 5.52% 6.39% 7.7% 8.54% 7.7%
4 2.72% 4.32% 5.18% 5.24% 6.1% 7.4% 8.25% 7.4%
5 2.68% 4.1% 4.98% 5.05% 5.92% 7.21% 8.05% 7.21%
6 2.66% 3.95% 4.83% 4.92% 5.78% 7.07% 7.91% 7.07%
7 2.63% 3.84% 4.72% 4.82% 5.68% 6.97% 7.81% 6.97%
8 2.63% 3.84% 4.72% 4.82% 5.68% 6.97% 7.81% 6.97%

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