Lucky Ladies
Lucky Ladies pays when your first two cards total 20. Any 20 wins something; how much depends on how the 20 is made, and a pair of queens of hearts sits at the top of every pay table.
Like every side bet it is settled on the first two cards and paid before the hand is played out.
A Representative Pay Table
Tables vary a great deal here — more than on most side bets. The version above runs at about 5.87% on six decks, while other published schedules on the same six decks reach 17.6% and 24.7%.
Read the Pay Table Before You Bet
Most side bets differ by a percent or two between versions. Lucky Ladies differs by twenty. Published house edges range from under 6% to around 30% depending on the schedule and the deck count, which makes it the one side bet where checking the table is not optional.
A pair of queens of hearts is rare enough to explain the spread: it comes up roughly once in every 3,400 hands.
Blackjack Tables With Lucky Ladies
Lucky Ladies FAQs
Yes. It is settled on your first two cards and paid straight away. A 20 that loses to a dealer 21 still wins the side bet.
It depends heavily on the pay table — from about 5.9% on a favourable six-deck schedule to around 25% on a poor one. That range is unusually wide, so the table matters more here than on any other common side bet.