How To Play 21 Card Rummy: Meaning, Rules, Scoring And More

How To Play 21 Card Rummy: Meaning, Rules, Scoring And More

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There are many different variations of rummy. In this article, we, at GetMega, will explain about 21 card rummy and how to play 21 card game online. We have separate articles on the basics of a rummy card game and on the different versions of the rummy. Click here to read them on our blog.

GetMega Rummy is an amazing platform that lets you play rummy with friends & family with real money. Sounds fun, isn't it? Download the GetMega rummy app now!

What is 21 card rummy?

21 card rummy is considered one of the most challenging versions of Indian rummy and is widely played in Indian marriages and festivals. It originated from points rummy. Each round needs time, patience, and strategizing. If you are a beginner, then 21 card rummy may be a bit too difficult and we recommend that you start with the basic rummy card game.

How to play a 21 card rummy game?

21 card rummy is played by 2-6 players using 3 decks of 53 cards each (52+1 joker).

How to play 21 card rummy game

As the name says, 21 cards are dealt with each player. The 21 cards rummy rules are quite similar to basic Rummy, especially with stock and discard pile, and picking and discarding cards. However, there are additional rules of Dublee, Tunnela, upper and lower jokers.

Also, in 21 rummy, the cards must be melded with specific rules to win a round. As you got familiar with how to play 21 cards games, let learn about rules and scoring.

Certain terms of 21 card rummy rules

Cut Jokers: After dealing the cards to all the players in 21 card game, the topmost card from the stockpile becomes the Cut Joker. For example, if 4♥ is the top card then, then 4 of all suits can be used as jokers to form sequences and sets.

Upper Joker: The card one rank above the Cut Joker and of the same suit as the Cut Joker is the Upper Joker. In our example, 5♥ is the Upper Joker

Lower Joker: Similarly the card of the same suit and one rank below the Cut Joker becomes the Lower Joker. In our example, 3♥ is the lower Joker.

Marriage: 1 Cut Joker, 1 Lower Joker, and 1 Upper Joker all from the same suit is called a marriage. In our example, 4♥ is the cut joker then 3♥ 4♥ 5♥ forms a marriage. If you have a Marriage in hand, you get 100 points from each of the non-dropped players.

Dublee: A dublee is a pair of two matching cards of the same rank and suit or two Jokers. A joker cannot be used with another card to form a Dublee. For example 5♦ 5♦ is a Dublee

Tunnela: A Tunnela is a set of three cards of the same rank and same suit. For example, 5♥ 5♥ 5♥. A Joker cannot be used with two other cards to form Tunnela.

Rules of the game

Rules of the 21 card rummy

In 21 Card Rummy online The Winning Declaration may comprise the following sets:

Three Pure sequences are must:

A minimum of 3 pure sequences must be declared along with the remaining cards being arranged in sets or sequences. Also, Tunnela is also considered a part of the pure sequence.

At least three Tunnelas:

A minimum of 3 tunnelas must be declared but there is no requirement of arranging them in any specific order or group or compiling them into a single group.

At least 8 Dublees:

A minimum of eight dublees must be declared while the rest of them requires no specific arrangement. It is mandatory that every pair is to be arranged and sorted into individual groups.

At least eight jokers:

A minimum of 8 jokers must be declared in a single group while there is no need to arrange the rest of them in a specific order. During declaration, the entire joker cards are to be arranged and sorted in one specific group.

Above were the 21 card game rules, hopefully this will help you to improve and win your game.

Scoring as per 21 card rummy rules

The winner gets the total of the points lost by all the losing players. The losing players get negative points as per rummy rules 21 cards.

Points of cards

J, Q, K, A

10 each


Face value

For the losing player in rummy 21, the negative score is calculated based on the points for the ungrouped cards. There are the following exceptions:

  • If there is no pure sequence, then all cards are counted.
  • If there are one or two pure sequence(s)- they are not counted
  • If there are three pure sequences- then impure sequences/sets are also not added to the points

One can lose a maximum of 120 points in one hand of 21 cards rummy.

Points of value cards

Value Card

Single Card

Two Cards

Three cards

Cut Joker




Upper Joker




Lower Joker




Points for marriage

1 marriage= 100

2 marriage= 300

3 marriage= 500

Drop Points Calculation

Points deducted for dropping (passing a turn) during the game are as follows:-

First drop-40

Middle drop- 80

Apart from these points, each non-dropped player also receives positive scores for the value cards in hand and gets negative points for value cards held by other non-dropped players.

What Are the Maximum Points Losses That a Player Can Incur in A Game?

In 21 card rummy online, the following criteria are set out for the points lost:

a. 120 is the minimum criteria. Any number of points less than 120 will be taken as the points lost.
b. Total loss is capped at 200 points. This includes the points lost as well as the value cards score.

Provided, these cards can be used as a joker by a player with marriage to accomplish sets and sequences. Having these 3 cards is not a mandate so as to be eligible to earn the points for them. Also, there might be cards that will comprise marriage. Those cards will not be able to earn the points individually for the competitor.

How to Calculate Winning Amount in 21 Card Points Rummy?

In 21 card rummy online, it Is very simple to calculate the winning amount. Below is the formula to calculate it:

Winning amount= (Total score of the winner including the points settled for value card score) X (Rupee value of point) - (Rake amount)

Difference between 13 card and 21 card rummy

13 card rummy is similar to gin rummy whereas 21 card rummy game has originated from points rummy

As the names suggest, there are 13 cards in 13 Cards Rummy and 21 in the other one. Thus 21 card rummy becomes more challenging.

  • The number of decks is more in 21 card rummy game

21 card rummy game uses 3 decks however, 2 decks are used in 13 Cards Rummy

  • Melding is easier in 13 rummy

In 13 Cards Rummy, you have to create 2 sequences out of which 1 must be pure. The other cards can be arranged in any group of your choice. But, in 21 Cards Rummy, there are more specific types of combinations you have to form, thus making it more difficult.

  • 21 cards are more complicated

21 card rummy has unique concepts such as a cut joker, upper joker which is not in 13 rummy. Thus, 13 card rummy is suited for anyone starting to play rummy. In 13 rummy, there is only 1 joker.
21 card rummy online offers a more stimulating variant to seasoned rummy players who are looking forward to playing tougher games to improve their skills.

Why is playing Rummy on GetMega the best?

GetMega is the best 21 card rummy app because you will get certain advantages that other Rummy platforms can’t claim. Here you can learn how to play 21 cards rummy.

Customer Support: One of the basic things that have a key value in customer satisfaction is customer support. We provide the best customer support when it comes to any issues regarding gameplay, transaction, and withdrawal requests. We have a team of Customer Support executives who can support any query regarding only your game issues 24×7. So, just chat with us using our app and get your queries resolved quickly. We also have a blog with many articles on the various versions of rummy along with the rules.

Game Interface: The game interface of GetMega is clean & minimalistic so the player can make a move with minimum interferences. The basic colour layout and dark theme make it easy on the eyes of the players.

Promotions: We bring new and exciting online rummy promotions every month that excites our player base. GetMega rewards the best rummy players via leaderboard promotions and special tournaments. The cash prizes range from Rs.10,000 to 1 lakh.

GetMega Rummy is an amazing platform that lets you play rummy with friends & family with real money. Sounds fun, isn't it? Download the GetMega rummy app now!
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