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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

EventPT 1PT 2PT 3PT 4PT 5PT 6PT 8PT 8
Suited 7-7-72000200200200200100500
Suited 6-7-810010010010010010050200
Unsuited 7-7-750505050505030100
Unsuited 6-7-83030302530301025
Suited total of 21151010151510315
Unsuited total of 2133333323
Total of 2022222222
Total of 1922221111

Analysis — Pay Table 1 — Six Decks

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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

EventPaysCombinationsProbabilityReturn
Suited 7-7-7200800.0000160.003191
Suited 6-7-81008640.0001720.017234
Unsuited 7-7-7501,9440.0003880.019388
Unsuited 6-7-83012,9600.0025850.077553
Suited total of 211526,5680.0052990.079492
Unsuited total of 213406,2960.0810430.243130
Total of 202377,5680.0753130.150626
Total of 192364,3200.0726700.145341
All other-13,822,7200.762513-0.762513
Total5,013,3201.000000-0.026556

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

EventCombinationsProbabilityPaysReturn
Suited 6-7-8100320.0001760.017572
Any 7-7-750560.0003080.015376
Unsuited 6-7-8304800.0026360.079076
Suited total of 21109360.0051400.051399
Unsuited total of 21314,9040.0818430.245530
Total of 20213,7920.0757370.151474
Total of 19213,3440.0732770.146554
All other-1138,5600.760884-0.760884
Total182,1041.000000-0.053903

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

EventPaysCombinationsProbabilityReturn
Suited 6-7-810040.0001810.018100
Any 7-7-75040.0001810.009050
Unsuited 6-7-830600.0027150.081448
Suited total of 21101080.0048870.048869
Unsuited total of 2131,8360.0830770.249231
Total of 2021,6880.0763800.152760
Total of 1921,6400.0742080.148416
All other-116,7600.758371-0.758371
Total22,1001.000000-0.050498

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

EventPaysCombinationsProbabilityReturn
Suited 7-7-7200800.0000160.003191
Suited 6-7-81008640.0001720.017234
Unsuited 7-7-7501,9440.0003880.019388
Unsuited 6-7-83012,9600.0025850.077553
Suited total of 211026,5680.0052990.052995
Unsuited total of 213406,2960.0810430.243130
Total of 202377,5680.0753130.150626
Total of 192364,3200.0726700.145341
All other-13,822,7200.762513-0.762513
Total5,013,3201.000000-0.053054

Mr. Lucky (bonus Track Version) Chris Isaak

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

EventPaysCombinationsProbabilityReturn
Suited 7-7-7200800.0000160.003191
Suited 6-7-81008640.0001720.017234
Unsuited 7-7-7501,9440.0003880.019388
Unsuited 6-7-82512,9600.0025850.064628
Suited total of 211526,5680.0052990.079492
Unsuited total of 213406,2960.0810430.243130
Total of 202377,5680.0753130.150626
Total of 192364,3200.0726700.145341
All other-13,822,7200.762513-0.762513
Total5,013,3201.000000-0.039482

Analysis — Pay Table 5 — Six Decks

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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

Nikki
EventPaysCombinationsProbabilityReturn
Suited 7-7-7200400.0000140.002763
Suited 6-7-81005000.0001730.017267
Unsuited 7-7-7501,1000.0003800.018994
Unsuited 6-7-8307,5000.0025900.077704
Suited total of 211515,3000.0052840.079258
Unsuited total of 213234,9000.0811230.243368
Total of 202218,2000.0753550.150710
Total of 191210,6000.0727310.072731
All other-12,207,4800.762351-0.762351
Total2,895,6201.000000-0.099557

Analysis — Pay Table 6 — Six Decks

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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

EventPaysCombinationsProbabilityReturn
Suited 7-7-7200400.0000140.002763
Suited 6-7-81005000.0001730.017267
Unsuited 7-7-7501,1000.0003800.018994
Unsuited 6-7-8307,5000.0025900.077704
Suited total of 211015,3000.0052840.052838
Unsuited total of 213234,9000.0811230.243368
Total of 202218,2000.0753550.150710
Total of 191210,6000.0727310.072731
All other-12,207,4800.762351-0.762351
Total2,895,6201.000000-0.125976

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

EventPaysCombinationsProbabilityReturn
Suited 6-7-810040.0001810.018100
Any 7-7-75040.0001810.009050
Unsuited 6-7-830600.0027150.081448
Suited total of 21101080.0048870.048869
Unsuited total of 2131,8360.0830770.249231
Total of 2021,6880.0763800.152760
Total of 1921,6400.0742080.148416
All other-116,7600.758371-0.758371
Total22,1001.000000-0.050498

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

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Lucky Lucky — Pay Table 8 — Six Decks

EventPaysCombinationsProbabilityReturn
Suited 777500800.0000160.007979
Suited 6782008640.0001720.034468
Unsuited 7771001,9440.0003880.038777
Unsuited 6782512,9600.0025850.064628
Suited 211526,5680.0052990.079492
Unsuited 213406,2960.0810430.243130
Any 202377,5680.0753130.150626
Any 191364,3200.0726700.072670
All other-13,822,7200.762513-0.762513
Total5,013,3201.000000-0.070743

House Edge Summary

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

House Edge Summary

DecksPay Table 1Pay Table 2Pay Table 3Pay Table 4Pay Table 5Pay Table 6Pay Table 7Pay Table 8
12.61%5.95%6.66%6.41%7.31%8.67%9.56%8.67%
22.82%5.21%6.02%5.97%6.85%8.17%9.03%8.17%
32.77%4.65%5.5%5.52%6.39%7.7%8.54%7.7%
42.72%4.32%5.18%5.24%6.1%7.4%8.25%7.4%
52.68%4.1%4.98%5.05%5.92%7.21%8.05%7.21%
62.66%3.95%4.83%4.92%5.78%7.07%7.91%7.07%
72.63%3.84%4.72%4.82%5.68%6.97%7.81%6.97%
82.63%3.84%4.72%4.82%5.68%6.97%7.81%6.97%

Written by: Michael Shackleford