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Rummy Rules

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Khelplayrummy.com does not have any specific rummy rules other than the generic rules of the game for playing Online Rummy on the website. Khelplayrummy.com adheres to the general Indian rules to play rummy are applicable for traditional Indian rummy; hence you can be at ease that the rummy rules for playing at Khelplayrummy.com are the same as the rules to play rummy in practice at the table in card rooms at any club across the country.

13 Card Rummy


The Classical or Traditional Indian rummy is played with two decks of cards inclusive of the jokers (1 joker per deck). Aces in the Indian rummy are ranked high and hence the cards in each suit rank from low to high as: 2 3 4 5 6 7 8 9 10 Jack Queen King Ace.

Ace can be used as 1 or a face card when making the sets such as Queen King Ace. The value of the cards in a suit is as follows: Face cards (K, Q, J) - 10 points, Ace - 10 points while all the remaining number cards in a suit score a rank equivalent to its value, pip value, i.e. a 3 of Spade is valued at 3 points, 10 of Diamond scores 10 points and 2 of Heart will score 2 points.

10 Card Rummy


The shortest version of online rummy is 10 cards rummy. A fast-paced action-packed game, that leads to quick gaming and instant rewards. A table of 10 cards rummy must have a minimum of 2 players and maximum can have 6 players.

  • A game of 10 Cards Rummy between more than 2 players is played with 2 Decks of Cards (53 cards in each deck)
  • A game of 10 Cards Rummy can be played with maximum 6 players.
  • A game of 10 Cards Rummy between 2 players is played with 1 Deck of Cards (52+1 Cards)
  • A game of 10 Cards Rummy between more than 2 players is played with 2 Decks of Cards (53+53 Cards)


21 Card Rummy


21 Card Rummy is played only with Point Rummy variant. This game is played between 2 to 6 players with three decks of cards and makes use of an extra group of Up & Down Jokers apart from the standard set of Printed and Wildcard jokers.

There are many rummy game rules that you need to learn, but first, take a look at the multiple terminologies that are required to be understood to play the 21 Card rummy game like-

  • Upper and Lower Joker
  • Tunnela or London
  • Dublee
  • Value Cards


The explanation of each terminology is mentioned in the 21 card Rummy Rules section

27 Card Rummy


27 Card Rummy is played only with Point Rummy variant. This game is played between 2 to 5 players with three decks of cards and makes use of an extra group of 2 Up & 2 Down Jokers apart from the standard set of Printed and Wildcard jokers.

Before you learn the rummy card game rules, have a look at the multiple terminologies that are required to be understood to play the 27 Card rummy game like-

  • Upper and Lower joker
  • Marriage or Jackpot
  • Tunnela or London
  • Dublee
  • Value Cards


The explanation of each terminology is mentioned in the 27 card Rummy Rules section.

In all types of Classical Indian rummy games, each player is doled out either 10 Cards, 13 cards, 21 Cards, 27 Cards to form a hand of cards. The remaining cards form a face down deck, while one card is kept face up to form an open deck. Each player during their turn have a choice to pick the top most card from the face down deck or pick the topmost card from the face up pile. Once a player picks/draws a card from either of the pack, the player has to discard a card subsequently. Hence it's called a draw and discard game.
A Table is where a Game of rummy is played. Typically, one Game of rummy is played on one Table. At a time, player can play multiple games on multiple tables (total of 3 tables can be played upon at any point of time in App and 5 tables can be played upon at any point in PC (3 cash/practice game tables and 2 tournament tables or 5 tournament tables)
Each player is dealt either 10,13,21, 27 cards (depending on the type of game) to form a hand of Rummy. The objective of Indian rummy is to arrange the 10,13,21,27 cards in hand to form a combination of groups of cards, For 10 Cards -(5+5 or 4+3+3), For 13 Cards (3+3+3+4 or 5+5+3 or 4+4+5), For 21 Cards (3+3+3+3+3+3+3 or 3+4+4+4+3+3 or 4+4+4+4+5), For 27 Cards (3+3+3+3+3+3+3+3+3 or 3+4+4+4+3+3+3+3 or 4+4+4+4+4+4+3 or 5+5+5+5+4+3) consisting of sequences and/or sets. While a sequence can be made of 3/4/5 cards a set too can be made of 3/4/5 (5 with Joker) cards. It is mandatory to form two groups which are sequences of which one has to be Pure sequence (without wild card or joker). When player is done with making the groups, he/she has to submit the cards for validation. This action of submitting the cards is called Show. When a player declares a show, the option to "Declare" is activated. By clicking Declare, the player can declare entire cards of a group together in a single click to make a successful show.

Optionally, if a player does not wish to declare all cards, selecting any one card would deactivate the process of declare group
At Khelplayrummy.com we have facilitated a feature called "GROUP". When a player selects three or more cards of his hand, he is shown 'Group' button, clicking this button enables the player to form a group of those selected cards. This helps the player in easing the play. A player can create maximum four (4) groups on a table at any point of time. Cards grouped in SET / SEQUENCE can be beneficial to player in cases of disconnection, auto play and/or for game review.
From the initial dealing of the cards to declaring of show constitutes one Round of rummy. The game of rummy can be played in multiple Rounds (rounds applicable only in Pool Rummy / Best of 2 / Best of 3) on a single table by the players, whereas in Point Rummy, each round is termed as Game.
The process of giving out the cards to the players at the start of a round is termed as Dealing. In Indian rummy, 10 Cards, 13 cards, 21 Cards and 27 Cards are dealt to each player depending on the game type selected.

The complete set of playing cards consisting of the suits and the jokers is called deck of cards. A deck consists of the following:

  • Total number of 52 cards + 1 joker
  • 52 cards consist of - 4 Suits with 13 cards each
  • The four suits are Spades, Diamonds, Clubs and Hearts
  • Each suit has high card Ace; three face cards, King, Queen and Jack; and pip cards 2,3,4,5,6,7,8,9,10.
  • 1 Joker - A joker can be used to replace or substitute any card
The word and the card Joker in Indian rummy rules stands for a card that can substitute any other card of any value to complete or to enhance a sequence or a set. However as per rummy card rules, there has to be one sequence without a joker to validate a show. At Khelplay Rummy, for a 13 Card game, it is played with two decks of cards which include one 'printed' joker of each deck. In 21 card games and 27 Card games we will use 3 decks of card which include one 'printed' joker of each deck.

Besides the printed joker, after the cards are dealt, one card from the remaining deck is selected at random as a wild card; this card too becomes the joker for that particular round. All cards of the same rank and any suit as the card selected are also considered jokers. Thus we would have 9 jokers in all for a round/game (for all games played with jokers) in 13 Card games for 21 Card games there will be a total of 15 Jokers and for 27 Card game there will be 21 Jokers in total.
When a player wishes to discontinue playing certain round(s) of rummy in a game, player has the option to discontinue playing his turns during the game, this is called as taking a Drop. However, certain preset penalty is liable for taking a Drop and they are as under:
When a players takes a Drop before drawing the first card.
In 101 Pool, the score is 20 points.
In 201 Pool, the score is 25.
No Drop is allowed in Best of 2 and Best of 3. Read Pool Rummy Rules.
When a player makes a drop while the round of a game is in progress, which means player has participated in that round by drawing and discarding in an earlier turn, this action is termed as Middle Drop.

In 101 Pool, the score is 40.
In 201 Pool, the score is 50.
No drop is allowed in Best of 2, Best of 3.
The maximum possible score in any type of rummy game at Khelplayrummy.com is called Full Count. A maximum Full count is 80 points.

First Hand Show: Maximum of 40 Points
The declaration of show when made by any player during the first ‘round of turn’ after the beginning of the game is called ‘First Hand Show.’

In First Hand Show, actual points of melds or 80 points, whichever is lower, will be calculated for players who have played their first turn. Point calculations for players who have not yet played their first turn will be actual calculated points of melds or 40 points whichever is lower.
Chips are equivalent of cash on Khelplayrummy.com and these are required by a player when he wishes to play a cash game. Specific numbers of chips are deducted and credited, to and from a player’s cash account, with respect to the player’s wins and losses in the cash games on Khelplayrummy.com.

There are three types of Chips available on Khelplayrummy.com to facilitate the player to play as they would in real circumstances. The three kinds of Chips are as follows:

  • Practice Chips: These are free to use Chips to play practice games on the Website. By default, 10,000 Chips are deposited in the Practice Chips account when a player registers. When these Chips get exhausted, a simple click from the player on refresh button reload another 10,000 Chips. Thus, the player gets unlimited numbers of Practice Chips in batches of 10,000 to keep enjoying the free games at Khelplayrummy.com. When player loses in Practice Games, the Practice Chips are debited from his Practice Chips account and when he wins in Practice Games, Practice Chips are credited in his Practice Chips account.
  • Real Chips: These chips are for Cash Gameplay, where you play with cash and win cash. To acquire Real Chips, the player needs to buy them online (by depositing cash through multiple available options) before entering a game of Real Play. Players can use these chips to play cash games and win huge cash prizes.
  • Tournament Chips: These Chips are exclusively meant to play multiplayer and multi table tournaments on Khelplayrummy.com. These Chips are added to a registered player’s account when they register for a Multi Table Tournament.
When a player declares a Show, the player needs to validate all the Sequences and Sets he has made from his 10/13/21/27 cards (depending on the game type), by laying open the melds for the review of other players. Each of the groups of 3/4/5 cards made has to be a valid group of sequences or sets of 3/4/5 cards. Group of sequences have to be of same colour/suit with or without a joker or wild card, while the sets would consist of same number or face card but of different colour/suit. The mandatory requirement for validation to be fulfilled for a successful show is two set of Sequences, of which one should be compulsorily Pure Sequence (without wild card or jokers).
A sequence of at least three cards of the same suit with or without the use of a joker is called sequence. When a sequence of three or more cards is made without a joker it is called Pure Sequence. For a successful show it is mandatory for a player to have at least two sequences of which one needs to be compulsorily Pure Sequence

When more than two players are playing at a table, the player who has lost the game (in Pool Rummy, 101 and 201) has an opportunity to Re-Buy the game at the table if certain criteria are fulfilled.

  • The player can Re-Buy with a new score and the new score would be 1+Highest Score in that round. This criterion can only be fulfilled if the highest score of the round is below 79 points for 101 Rummy and below 174 points for a 201 Rummy. The below given example will give a better explanation of this: (On a table with 4 players playing on it, playing a game of 101 Rummy, at the end of 'X' round, the scores of the four players is 35, 22, 110, 57. Now the player with the score of 110 can Re-Buy for the next round of the same game, on the same table with a new score of 58 points which is derived at by adding one point extra to the second highest scorer who is at 57 points (1+57=58).
  • This Re-Buyin criterion is not available for Best of 2/3 Deal games and Point Rummy Games.
  • Re-join is only possible when more than 2 players are playing on a multiplayer table.
  • If more than one player has been knocked out and if they wish to Re-Buy, both the players can Re-Buy as there is no cap to the number of Re-Buys in a round, only if they fulfill the criteria to Re-Buy as stated above. The player Re-Buyin will each get a score which is above the other, i.e. if highest score is 57, the players Re-Buyin will Re-Buy as per their turn in the game with scores 58, 59, 60 and so on.
  • Khelplayrummy.com offers the option of Manual Split to players playing Pool Rummy on a table for types, 101 Rummy and 201 Rummy games. Manual Split enables players to split the table amount among the active players of the game on the table under certain conditions.
  • It is obvious that at the least two players have to be actively playing on a Multiplayer table to call for a Manual Split. It is irrespective of the number of players who started the game, the game could have started with 3/4/5 or 6 players.
  • Manual Split will be enabled in 101 pool game, only when the Total Score at the end of a round of all players are greater than or equal to 61 and in case of 201 pool game, the Total Score has to be greater than or equal to 151.
  • If the difference between maximum first drops and minimum first drops, for all players, is ONE or TWO; whereby Number of first drops for each player is calculated at the end of the round as [For 101 Game : INTEGER((100-CurrentTotal Score)/20) & for 201 Game :INTEGER((200-Current Total Score)/25)].
  • Manual Split will only execute if all players accept to have a Manual Split; even if one player rejects the Manual Split, the game will continue in its normal course.
  • Even if one or more player rejects Manual Split, it will be offered in the next round if the criteria are met for Manual Split. If the game progresses to a level that it meets with the conditions for Auto Split, Khelplayrummy.com will automatically execute the process of Auto Split and split the table amount among the active players on the table.
  • Players extra drops are calculated when the manual split is accepted by all the active players. The extra drops are calculated by subtracting his first drops from the minimum first drops. Amount equal to the wagering after deducting the rake amount is given for each extra drop. The balance table amount is then distributed equally among the eligible players.
  • Auto Split is executed by default on the Khelplayrummy.com system automatically for Pool Rummy Games; 101 Rummy and 201 Rummy on a multiplayer table, when 2 or more players are left with scores higher than 80 and 175 for games of Rummy 101 and Rummy 201 respectively.
  • When total high score of all players in 101 Pool Game is higher or equal to 81 and in 201 Pool Game if the total score is higher or equal to 176 at the end of a round then the Auto split will come into effect. If even a single player has a score less than 81 in 101 Pool Game and less than 176 in 201 Pool Game, auto split will not execute.
  • The Prize amount or table amount is equally split among all active eligible players in Auto Split, irrespective of the total individual score of the player. (Example: In 101 Rummy Game: If Player No.1 and Player No. 2 have scores 85 and 88 respectively, the prize amount will be split equally between the 2 players.)

Note: Khelplayrummy.com although states that most of the 10/13/21/27 cards Indian rummy rules would be similar, but does not certify or state that if any players playing with another set of Indian rummy rules are invalid.

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