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Lucky Ladies Blackjack Explained With Payouts

The Lucky Ladies side bet is a popular optional bet available to Blackjack players

In this article, we aim to give you a detailed explanation of what the Lucky Ladies side bet in Blackjack is, the potential payouts, rules and where you can play it online.

What Is Lucky Ladies in Blackjack?

The Lucky Ladies side bet applies to the first two cards a player receives and wins if those cards total 20 points. Any two-card combination that adds to 20 qualifies, but certain combinations attract higher payouts.

For example, a 20 made of two cards of the same suit pays more than a 20 made of unsuited cards. The exact payouts depend on the casino or game rules.

Side bets are placed in addition to the main blackjack wager and are settled separately from the main hand. The Lucky Ladies bet is resolved before the player begins their turn.

Lucky Ladies Blackjack Rules

The Lucky Ladies side bet has its own specific rules but does not change the main blackjack game. It applies only to the player’s first two cards and is resolved separately from the primary hand.

Some of the rules that apply to the Lucky Ladies side bet are:

  • There must be a standard blackjack bet. You cannot make a Lucky Ladies side bet without playing the main blackjack game.
  • Depending on the table rules, the minimum wager on the Lucky Ladies side bet may need to be at least equal to the table's minimum bet.
  • If a table offers the Lucky Ladies bet, any applicable payouts must be settled before the main game continues.
  • The potential payouts differ depending on which cards made the 20.
  • No Lucky Ladies side bet can be made after the initial hand has been dealt.

Lucky Ladies Blackjack Payouts

One of the most notable features of the Lucky Ladies blackjack side bet is the range of possible payouts. These vary by casino but typically run from 4:1 up to 1,000:1 depending on the specific cards.

Below are the typical payouts for the Lucky Ladies side bet:

  • Lucky Ladies & dealer has blackjack: Both of your cards are Queen of Hearts and the dealer draws a blackjack. This awards a payout of 1,000:1.
  • Lucky Ladies: Both of your cards are Queen of Hearts; it awards a payout of 125:1.
  • Matched 20: Two cards of the same rank and suit. This awards a payout of 25:1.
  • Suited 20: Two cards of the same suit but different ranks; it awards a payout of 19:1.
  • Any 20: Two cards of any rank and suit. This awards a payout of 4:1.

For comparison, a standard blackjack hand that equals 21 typically pays 3:2. The Lucky Ladies side bet is resolved solely by the cards dealt, so no skill or strategy can improve the odds of winning it.

Play Lucky Ladies Blackjack Online

You can try your hand at the Lucky Ladies blackjack side bet online at the UK's leading casino, Clover Casino, alongside a wide range of slot games

Don't have an account with us? Do not fret. Our registration process is relatively straightforward. Simply click the Join button and follow the prompts. 


**The information provided in this blog is intended for educational purposes and should not be construed as betting advice or a guarantee of success. Always gamble responsibly.