Blackjack Side Bets Payouts – The Detailed List

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Categories: Side Bets5.1 min readBy Khan Lawson

Blackjack offers a variety of side bets, each with its own payout structure, adding excitement and variety to the game. From the popular Insurance bet to the high-reward Lucky Lucky and Super Sevens, these side wagers can pay out big, but often come with a higher house edge. Players should be aware of the different payouts, such as 25:1 for a Royal Match or 100:1 for Suited Trips, and manage their bankroll carefully. While these bets can be fun, it’s important to understand that they typically have a larger house edge compared to standard blackjack hands.

Following is a summary of the most common Blackjack side bets and their standard payout schemes. Payouts can vary by casino or internet site, so local rules must be consulted for details. Payouts and how winning bets are paid are the focus here.

Insurance

When it is available: Only when the dealer’s upcard is an Ace.
Standard Payout: 2:1
Description: You place another bet (typically half of your initial bet) that the hidden card of the dealer is a ten-value card (10, J, Q, K). If correct, the insurance wager is paid at 2:1.

Perfect Pairs

The side wager is won if your first two cards constitute a pair. Typical payout values:

Perfect Pair (same suit and rank)
– Typical payout: 25:1
– Example: Two King of Clubs.
Colored Pair (same rank, same color, different suits)
– Typical payout: 12:1
– Example: King of Clubs + King of Spades (both black).
Mixed Pair (same rank, different colors)
– Typical payout: 6:1
– Example: King of Clubs (black) + King of Diamonds (red).

21+3

From your initial two cards and the dealer’s up card, form a 3-card poker hand. Typical payouts:

Suited Trips (e.g., three 7 of Hearts): 100:1
Straight Flush (e.g., 7-8-9 all Diamonds): 40:1
Three of a Kind (not suited): 30:1
Straight (e.g., 5-6-7 in mixed suits): 10:1
Flush (e.g., 2-J-K all Clubs): 5:1

Lucky Ladies

Based on your initial two cards totaling 20, with a focus on Queens of Hearts. Typical payouts:

Two Queens of Hearts + Dealer Blackjack: up to 1000:1 in some games (sometimes 200:1, with additional bonus if the dealer has a blackjack).
Matched 20 (same rank, same suit): 25:1
– Example: Two Tens of Clubs.
Suited 20 (same suit, different ranks): 10:1
– Example: 10 of Hearts + King of Hearts.
Unsuited 20 (different suits): 4:1

Royal Match

Pays if your first two cards are suited, and even better for a “Royal Match” (King + Queen of the same suit).

Royal Match (King + Queen of the same suit): 25:1
Easy Match (any two suited cards): often 5:2 or 3:1

Over/Under 13

You bet whether your first two cards total more or less than 13.

Standard Payout (Over or Under): 1:1
Exactly 13: Usually a losing outcome for both over and under (some tables push on 13).

Buster Blackjack (Bust It)

This bet is a winner when the dealer busts, with higher payments for busting on more cards and bigger bonuses if you happen to have a strong hand:

Dealer Busts on 3–4 cards: around 2:1 to 4:1
Dealer Busts on 5–6 cards: around 8:1 to 15:1
Dealer Busts on 7+ cards: around 50:1, 100:1, or sometimes 250:1
Special Bonus: When the dealer busts with a certain number of cards and your hand is a blackjack, payments can be up to 800:1 or more.

Lucky Lucky

Uses your two cards plus the dealer’s exposed card to create totals of 19, 20, or 21, or special suited combinations. Typical pay table:

Suited 7-7-7 or 6-7-8: often 100:1 or more
Suited 21: around 15:1 or 20:1
Unsuited 21: around 3:1 or 5:1
20 or 19: lower payouts (e.g., 2:1 or 1:1)

Suit ’Em Up

Pays if your first two cards are of the same suit (not necessarily the same rank). Some versions give special bonuses, such as suited Aces or suited pairs. Typical payouts:

Suited Pair (same rank, same suit): around 5:1 to 10:1
Any Two Suited Cards: around 2:1 or 3:1

Super Sevens

Focuses on the number of 7s in your hand (usually the initial two cards, and potentially a third card):

7 on the First Card: around 3:1 or 5:1
7-7 on First Two Cards: around 50:1 (not suited) to 100:1 (suited)
Three 7s (if you draw a third 7): off-suit often pays 500:1 or more, suited triple 7 often pays 100:1

Match the Dealer

You win if either (or both) of your initial cards match the dealer’s up card in rank (or rank and suit):

Exact Match (same rank and suit): typically around 11:1
Rank Match Only: typically around 4:1

You can be paid twice if both your cards match the dealer’s up card in rank.

Bet the Set

Similar to Perfect Pairs but focusing on rank only:

Same Rank Pair: around 11:1
Suited Pair: usually pays more, around 15:1 or better

Hot 3

Sometimes considered a 21+3 variant, betting on your first two cards plus the dealer’s face-up card to produce totals of 19–21 or special combos:

Suited 7-7-7: usually 100:1
Suited 21: around 20:1
Total of 21 (unsuited): around 4:1
Total of 20: around 2:1
Total of 19: around 1:1

Top 3

A specialty extension of 21+3, using your first two cards and the dealer’s up card, paying on three high-end combinations:

Suited Trips (e.g., K-K-K of hearts): around 270:1 or 300:1
• Straight Flush (e.g., Q-K-A of clubs): around 180:1
• Three of a Kind (non-suited): around 90:1

Double Attack Blackjack Side Bet

In the “Double Attack” blackjack game, there is a “Bust It!” side bet on how many cards the dealer will bust on, similar to Buster Blackjack:

Dealer Busts on 3–4 cards: around 2:1
Dealer Busts on 5 cards: around 5:1
Dealer Busts on 6 cards: around 10:1
Dealer Busts on 7+ cards: around 50:1 or better

Final Notes and Reminders

Payout Variations: Casinos and internet sites can alter pay tables. One place may pay 200:1 for two Queens of Hearts in a Lucky Ladies game; another may pay 125:1. Always verify the posted pay table.

House Edge: Side bets usually have a much larger house edge than standard blackjack. High payouts (like 100:1 or 1000:1) are offset by low odds of winning.

Bankroll Management: Consider side bets “entertainment” wagers. If you enjoy aiming for high payouts, set aside a small portion of your bankroll, knowing these bets have a higher house edge and can undermine basic blackjack strategy.

These are the most common blackjack side bets and an overview of their typical payouts. Always check the particular paytable at your table and remember that large jackpots come with a higher house edge.