21 Card Rummy Online

Rummy has many versions. One of the most complex and challenging rummy variants is 21 cards points rummy. Every 21 cards rummy round is very strategic, time consuming and has points calculations to be kept in mind and requires patience to be successful. Also, it is very different from 13 cards rummy.

In this article, we will explain the most important concepts and rules of 21 cards rummy to help you understand the game better and play smarter.

The fundamentals of 21 cards rummy

As the name suggests, every player in 21 cards rummy is dealt 21 cards. And, 2-6 players participate in a round.

This version is played with three rummy decks. In each deck, there are 52 playing cards and one printed joker (called Funtoosh in 21 cards rummy) each. Also, there are four suits of cards 

card suits

In each suit, there are 13 cards ranked -

Card Rank

Ace, King, Queen, and Jack are the high-value cards or face cards and are allotted 10 points each. 

Rummy Dictionary


Deck is the collection of cards that the rummy game will be played with. In 21 cards rummy, there are 3 decks, having 52 playing cards and 1 printed joker.

21 card deck


Melding is a process of arranging cards in groups of valid sequences and sets in Rummy. The melding process can be done during game play or once any player on the table ‘declares’ their game and cards need to be submitted. Melding is important before submitting cards in order to claim a valid winning hand or reduce penalty points in a game.21 card melding


Once you have arranged all your rummy cards into valid sequences and sets according to the rules of rummy, you can press the Declare button. If it is a valid declaration, then that person wins this round of rummy.21 card declare


When you play rummy, the number of cards in your hand will be fixed. Turns will go around the table and when your turn comes, you will have to draw one card and discard another from your hand into the open deck/discard pile.21 Card Discard

Draw pile/ Closed deck

Once the players have been dealt their cards, the remaining cards are placed face down. With every turn, a player has to draw a card from this pile called closed deck or draw pile. But, you can also draw a card from the open deck or the discard pile. Draw pile closed deck


When you play 21 card points rummy, a pre-decided value in rupees is allotted to each point that is played in the game. The player chooses the multiplier value table they wish to play with. This point value is called a multiplier.

21 cards Multiplier


Your rummy game need not be interrupted if you have lost enough chips to continue on a table you are seated on. Top-up allows you to add chips while playing. In Game settings, top-up chips can be set to Auto or Manual, default being Manual Top-up.

Top up button

Top up popup

Add cash/ BUY

To enter cash rummy games or tournaments, you have to pay an entry fee or buy in to the table with a certain amount. That is why you have to add cash to your account. You can do so by clicking the Add Cash button on your rummy app or the website.

Add cash buttonAdd Cash panel

Card grouping

Card grouping in rummy refers to arranging your cards into sequences and/or sets by selecting multiple cards and clicking the ‘Group’ button. Alternately, you can select a card and drag it into existing groups to form sequences and/ or sets.21 cards group

Drop/ Drop & Move

If you think that the cards in your hand are not good, then you have two options:

Drop: You can drop from the game, but you will remain seated on the table.

Drop & Move: You can choose to drop & move; this will drop your hand and move you to another table with a similar or lesser buy-in amount.

With either of the options, you will incur the penalty points for dropping. single pack/initial drop will earn you a penalty of 30 points + the points of value cards, whereas;
double pack/middle drop your penalty will be of 60 points + the points of value cards.

Drop & Move

Visitt 21 card rummy rules section for detailed information on points calculation and validation rules