Home > Rummy Types

21 Card Rummy

How To Play 21 Card Rummy?

After mastering both 10 card and 13 card rummy, you are prepared to step into the realm of advanced play. Your acquired skills make you ready to tackle the ultimate challenge in rummy - the prestigious 21 card rummy. This variant, known as the king of all rummy types, is popularly enjoyed during Indian marriages and festivals. Undoubtedly, it stands as one of the most demanding forms of rummy, requiring ample time, patience, and strategic thinking for each round. Succeeding in 21 card rummy entails keeping in mind numerous rules and tips.

This particular card game follows the points rummy format, where the fundamental rules of rummy remain consistent. Each player participates with the goal of accumulating points, which possess a predetermined rupee value and continue to accumulate throughout the game. Due to its intricate nature, 21 card rummy necessitates careful attention to grasp its intricacies upon initial exposure.

Important Terms Used in 21 Card Game

It is important that you familiarize yourself with the commonly used rummy terms while playing a game of 21-card rummy, both online or offline.

Upper Joker

The upper joker refers to the card rank that is one value higher than the wild card joker, provided that both cards belong to the same suit. For instance, if the wild card joker is the 4 of hearts, then the 5 of hearts would serve as the upper joker for the 4 of hearts.

Lower Joker

The lower joker is the card rank that is one value lower than the wild card joker, given that both cards belong to the same suit. For example, if the wild card joker is the 6 of hearts, then the 5 of hearts would be considered the lower joker for the 6 of hearts.


A tunnela refers to a group of three cards that are identical in both suit and value. For instance, if you have three cards of 5 of hearts, it forms a tunnela. It's important to note that a wild card joker cannot be utilized to create a tunnela.


A dublee is a term used to describe a pair of two cards that share identical values and belong to the same suit. This includes situations where two printed jokers are present, which can also be considered a valid dublee.

Value Cards

Value cards refer to the specific cards belonging to the same suit that serve as the upper and lower jokers relative to the wild card. Notably, there are 3 types of value cards. For example: If 9 of clubs is the wild card joker then 10 of clubs will be upper joker and 8 of clubs will be lower joker. These 3 cards (8-9-10 of clubs) are called value cards.


When you possess a Joker of the same suit, an Upper Joker, and a Lower Joker together, it results in the formation of a "Marriage" in the game. Each Marriage you successfully create will earn you a total of 100 points. It is crucial to bear in mind that, in 21 cards rummy, your score must not drop below 120 points, as falling below this threshold will lead to disqualification.

These are some of the important terms you must know before you start playing 21 card rummy games.

Understanding the Gameplay in 21 Card Rummy

Among all the rummy card games, 21 cards rummy stands out as both engaging and elaborate. To grasp the intricacies of this game and enjoy the game to the fullest, here are a few steps that you should adhere to:

  1. A 21 card rummy game typically consists of three decks, with each deck containing 53 cards and three printed jokers
  2. Picking up a card from the top of the closed deck and subsequently positioning it face-up at the bottom is commonly referred to as a wild joker.
  3. Each players are dealt 21 crads, which they need to arrange in valid sequences & sets
  4. A player can either pick a card from a closed deck or from the open deck, and discard one of the hand cards to the open deck.

21 Cards Rummy Rules

To win in a game of 21 card rummy, players are dealt a random set of 21 cards, which must be organized according to specific rules. There are numerous ways one can arrange these card to emerge as a winner and here they are:

  1. To form three pure sequences (consisting of three or more consecutive cards of the same suit without any Jokers) and utilize the remaining cards to create rummy sets and sequences in any combination. A tunnela is considered equivalent to a pure sequence.
  2. 8 Jokers in one group
  3. 8 dublees
  4. 7 dublees arranged in groups, considered as a free hand
  5. 3 tunnelas in three different groups and other cards can be arranged or clubbed
  6. in a single group or can be left as it is.
  7. 2 marriage groups in hand

How to Calculate Value Card Score And Calculation Of Maximum Loss In Points?

Value Cards Single Card Two Cards Three Cards
Lower Joker 10 30 50
Upper Joker 10 30 50
Same Suit Joker 10 30 50

Point Calculation for Marriage or Jackpot

1 Upper + 1 Same Suit + 1 Lower = 100 points

2 Upper + 2 Same Suit + 3 Lower = 300 points

3 Upper + 3 Same Suit + 3 Lower = 500 points

Calculation of Points for Different Combinations of Value Cards

2 Upper Jokers = 30 points

1 upper Joker & 1 Lower Joker = 20 points

2 Upper Jokers & 1 Lower joker = 40 points

2 Same Suit Joker & 2 Lower Jokers = 60 points

How Does The Drop Work?

Utilizing the drop option can be an important strategy if you aim to play safely in the game. However, it's important to understand how the drop option functions. After each round, every player is presented with an opportunity to voluntarily withdraw from the game. The type of drop selected depends on whether the player has drawn a card from the open deck or the closed deck. There exist two types of drops to choose from:

  1. First drop: If a player chooses to drop out of the game without picking any cards from either the discard or draw pile during the initial round, it is referred to as the first drop. This decision results in a loss of 30 points for the player.
  2. Middle drop: When a player opts to drop out of the game after picking one or more cards from the discard or draw pile, it is known as a middle drop. This choice entails a loss of 70 points for the player.

Drop Points Calculation

Drop points refer to the points that a player forfeits during the course of the game. The following chart outlines the specific number of points deducted when a player chooses to drop, along with an accompanying example for clarity.

First Drop 40
Middle Drop 80
Max Point Earned (without value cards) 160
Max Points with Value Cards 300
Max Points lost by player in Wrong Show 120

Tricks & Tips To Win 21 Cards Rummy

Once you have grasps the rules and terminology of 21 cards rummy games, there are additional strategies and techniques that can greatly enhance your chances of winning the game effortlessly. Here’s a few crucial tricks of the trade below, which will aid you in achieving victory in your next game.

Knowing the rules:

To successfully make a valid declaration in 21 cards rummy, it is crucial to learn the specific rules that governs the game. Elements such as tunnelas (sets of three identical cards) and dublees (pairs of identical cards) play a significant role in simplifying the gameplay and offering additional options for forming combinations. Familiarizing yourself with these elements will provide you with more flexibility and strategic possibilities in the game.

Arranging the cards:

Upon receiving the dealt cards, the foremost priority is to organize them in desired combinations. This strategic step enhances your ability to keep track of the cards you require to pick or discard. By doing so, you increase your chances of creating valuable combinations and minimize wastage of time in the process.

Create pure sequence at the earliest:

The crucial first step of winning a 21 card rummy is creating pure sequences at the earliest. Examine the cards in your hand and strive to merge consecutive cards of the same suit. This approach sets a solid foundation for your gameplay and increases your chances of achieving a successful declaration.

Keep the smart cards:

There are specific numbers that helps forming various combinations. Keep them with you! For example, if you possess the 6 of a particular suit, it can be paired with 4 and 5, or alternatively with 5 and 7, or even with 6, 7, and 8. These versatile cards facilitate the formation of diverse combinations and are commonly referred to as smart cards.

Related Posts





FAQ Section

1. What is the difference between 21 card rummy and other rummy variants?

21 card rummy is more complex and challenging compared to other rummy variants. It involves three decks of cards, three printed jokers, and additional combinations like tunnelas and dublees.

2. How many cards are dealt to each player in 21 card rummy?

Each player is dealt a total of 21 cards in 21 card rummy.

3. What is the significance of upper jokers and lower jokers in 21 card rummy?

Upper jokers and lower jokers are additional cards in the same suit as the wild card joker. They can be used to form combinations and sequences.

4. How are value cards used in 21 card rummy?

Value cards are specific cards in the same suit as the wild card joker. They act as the upper and lower jokers and have point values associated with them.

5. What is the maximum number of points that can be earned in a marriage or jackpot combination?

The maximum number of points that can be earned in a marriage or jackpot combination is 500 points.

6. Can a player drop out of the game in 21 card rummy?

Yes, players have the option to drop out of the game voluntarily. It can be done in the first round (first drop) or after picking one or more cards (middle drop).

7. What are some tips for winning in 21 card rummy?

Some tips include arranging cards strategically, creating pure sequences early on, keeping smart cards, and understanding the specific rules and combinations of 21 card rummy.

Please note that these FAQs are based on the provided content and may vary depending on the specific rules and variations of 21 card rummy.

🔥 Free ₹250 on Signup 🔥 23485 games played in the last 24 hours 99% withdrawals processed within 1 minute 💪 ₹2750456 won in the last 12 hours💰