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Last Updated: November 27, 2016

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. Since it came out, there have been many imitators.

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.

The following table shows the various pay tables.

Lucky Lucky Pay Tables

Event Pay Table 1 Pay Table 2 Pay Table 3 Pay Table 4 Pay Table 5 Pay Table 6
Suited 7-7-7 200 to 1 n/a 200 to 1 200 to 1 200 to 1 200 to 1
Suited 6-7-8 100 to 1 100 to 1 100 to 1 100 to 1 100 to 1 100 to 1
Unsuited 7-7-7 50 to 1 50 to 1 50 to 1 50 to 1 50 to 1 50 to 1
Unsuited 6-7-8 30 to 1 30 to 1 30 to 1 25 to 1 30 to 1 30 to 1
Suited total of 21 15 to 1 10 to 1 10 to 1 15 to 1 15 to 1 10 to 1
Unsuited total of 21 3 to 1 3 to 1 3 to 1 3 to 1 3 to 1 3 to 1
Total of 20 2 to 1 2 to 1 2 to 1 2 to 1 2 to 1 2 to 1
Total of 19 2 to 1 2 to 1 2 to 1 2 to 1 1 to 1 1 to 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


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
1 n/a 5.05% n/a n/a n/a n/a
2 n/a 5.39% n/a n/a n/a n/a
4 2.72% 5.51% 5.35% 4.02% 10.00% 12.63%
5 2.68% 5.53% 5.32% 3.98% 9.96% 12.60%
6 2.66% 5.54% 5.31% 3.95% 9.92% 12.57%
8 2.62% 5.56% 5.28% 3.91% 9.88% 12.54%



Written by: Michael Shackleford