Jan 30, 2019 Lucky Ladies is one of the most popular blackjack side bets ever. It started in Washington state and now can be found in casinos all over the place. The idea is that any player 20-point hand wins something. Certain twenties, especially those involving two queens pay more. Lucky Lady’s Charm Deluxe Theme. As the name of the slot would suggest, Lucky Lady’s Charm Deluxe is all about bringing good luck to the reels and players will find a number of internationally renowned lucky charms adorning the reels in the form of symbols. The most important advantageous feature of the Lucky Lady’s Charm Deluxe 6 video slot is an extra bet. It not only activates the sixth reel but also allows you to win large sums more often. This feature allows you to receive twice as many prize payouts during free spins.
About Lucky Ladys Charm Deluxe
Lucky Lady’s Charm is a 5-reel, 9 paylines slot game developed by Novoline. They added it to their bestselling list and recently launched a Deluxe version of it, adding another payline to the game.
The theme of the slot, as its name says, is the fortune you can win through the unexpected twists of luck. Lucky Lady’s Charm game is centered around the traditional symbolistic of luck and it features charms like rabbit’s foot, ladybug, a crystal ball, horseshoe, the four-leaved clover, and so on. The lucky charms are accompanied by the usual play card slots: A, K, Q, J, 10 and 9.
The center character of the theme is the Lucky Lady herself, a blonde, mesmerizing presence who also doubles as a Wild symbol. That means that she can replace any other symbol like a Joker would in a classic card game.
Scatter Symbol
Following the Lucky theme, the Scatter symbol in Lucky Lady’s Charm game is a pink crystal ball. Unlike most other symbols, the Crystal Ball doesn’t have to show up on adjacent reels for you to win, but it is enough for it to appear anywhere on the board. If you have three or more crystal balls on the board, you win a special bonus.
Bonus Features
1. Gamble
When you get a winning spin, the “Gamble” button activates and flashes. In the Gamble screen, you can double your winnings if you guess the card color that will be drawn (red or black - 50/50 chance.) If you select correctly, you can play 5 times in a row; if you select the wrong color, you go back to your original winnings.
2. Double and Triple the Prizes
The Lucky Lady symbol acts as a double multiplier in winning combinations, or even a triple multiplier in bonus rounds.
3. Get Bonus Rounds
Bonus Rounds are given when the Scatter symbol (crystal ball) appears three times on the board. You get 15 bonus rounds, or even more if you keep getting the crystal ball in winning combinations.
Paylines
Depending on which version of the Lucky Lady’s Charm game you are playing, you have 9 paylines with the original or up to 10 paylines with the Deluxe version. The game displays the minimum betting amount per line, which you can easily adjust at any time in the game. Select any number of lines you want (up to 10) and the game will display the total bet per spin.
Paytable
The Paytable screen is an information board that displays the values of the possible winning combinations for the selected lines and the betting amount you have entered. This way, you can calculate the risk and decide how much you are putting into the game.
One of the most successful Novomatic slot, the Lucky Lady’s Charm Game offers great fun while showing an impressive return to player rate of over 95,2%. Here on our website you play the game for free on your PC, tablet and mobile devices. If you want to spice it up a bit, take one of the best online Novoline casino bonuses under this text. Try it out and enjoy the ride!
Lucky Ladies Fox Life
- Appendices
- Miscellaneous
- External Links
Introduction
Lucky Ladies is one of the most popular blackjack side bets ever. It started in Washington state and now can be found in casinos all over the place. The idea is that any player 20-point hand wins something. Certain twenties, especially those involving two queens pay more. I've seen various versions through the years, which I label as A, B, C, D, and E. There is also a progressive version called Bonus Lucky Ladies.
A word about terminology. A 'matched pair' means the same card in both rank and suit.
Lucky Ladies — Pay Tables A and B
| Hand | Table A | Table B |
|---|---|---|
| Q of hearts pair & dealer has BJ | 1000 to 1 | 1000 to 1 |
| Q of hearts pair | 125 to 1 | 200 to 1 |
| Matched 20 | 19 to 1 | 25 to 1 |
| Suited 20 | 9 to 1 | 10 to 1 |
| Unsuited 20 | 4 to 1 | 4 to 1 |
Lucky Ladies — Pay Table C
| Hand | Table C |
|---|---|
| Pair of queens with dealer BJ | 250 to 1 |
| Pair of queens | 25 to 1 |
| Ranked 20 | 9 to 1 |
| Suited 20 | 6 to 1 |
| Any 20 | 3 to 1 |
Lucky Ladies — Pay Table D
| Hand | Pays |
|---|---|
| Queen of hearts pair | 100 to 1 |
| Matched 20 | 30 to 1 |
| Suited 20 | 10 to 1 |
| Any 20 | 3 to 1 |
| One queen | 1 to 1 |
Lucky Ladies — Pay Table E
| Hand | Pays |
|---|---|
| Queen of hearts pair | 100 |
| Matched 20 | 25 |
| Suited 20 | 10 |
| Any 20 | 3 |
| Queen of hearts | 2 |
| Any other queen | 1 |
Following is the pay table for the progressive Pay Table F.
Lucky Ladies — Pay Table F
| Hand | Pays |
|---|---|
| Queen of hearts pair + dealer BJ | Jackpot |
| Queen of hearts pair | 25 |
| Suited 20 | 10 |
| Unsuited 20 | 2 |
Analysis of Pay Table A
The next table is an analysis of pay table A with six decks. The lower right cell shows a return of 75.29%, or a house edge of 24.71%.
Lucky Ladies Pay Table A — 6 decks
| Hand | Permutations | Probability | Pays | Return |
|---|---|---|---|---|
| Q of hearts pair & dealer has BJ | 135360 | 0.000015 | 1000 to 1 | 0.014563 |
| Q of hearts pair | 2738340 | 0.000295 | 125 to 1 | 0.036827 |
| Matched 20 (same rank and suit) | 43105500 | 0.004638 | 19 to 1 | 0.088115 |
| Suited 20 | 193112640 | 0.020777 | 9 to 1 | 0.186990 |
| Unsuited 20 | 744863040 | 0.080139 | 4 to 1 | 0.320554 |
| Non-20 | 8310740400 | 0.894138 | Loss | -0.894138 |
| Total | 9294695280 | 1.000000 | -0.247089 |
Analysis of Pay Table B
The next table is an analysis of pay table B with six decks. The lower right cell shows a house edge of 17.64%.
Lucky Ladies Pay Table B — 6 decks
| Hand | Permutations | Probability | Pays | Return |
|---|---|---|---|---|
| Q of hearts pair & dealer has BJ | 1,000 | 135,360 | 0.000015 | 0.014563 |
| Q of hearts pair | 200 | 2,738,340 | 0.000295 | 0.058923 |
| Matched 20 (same rank and suit) | 25 | 43,105,500 | 0.004638 | 0.115941 |
| Suited 20 | 10 | 193,112,640 | 0.020777 | 0.207767 |
| Unsuited 20 | 4 | 744,863,040 | 0.080139 | 0.320554 |
| Non-20 | -1 | 8,310,740,400 | 0.894138 | -0.894138 |
| Total | 9,294,695,280 | 1.000000 | -0.176391 |
Analysis of Pay Table C
The next table is an analysis of pay table C with one deck, which is what pay table C was designed for. The lower right cell shows a house edge of 29.89% (ouch!).
Lucky Ladies Pay Table C — 1 deck
| Hand | Permutations | Probability | Pays | Return |
|---|---|---|---|---|
| Pair of queens with dealer BJ | 1344 | 0.000207 | 250 to 1 | 0.051713 |
| Pair of queens | 28056 | 0.004318 | 25 to 1 | 0.107951 |
| Ranked 20 | 88200 | 0.013575 | 9 to 1 | 0.122172 |
| Suited 20 | 137200 | 0.021116 | 6 to 1 | 0.126697 |
| Any 20 | 411600 | 0.063348 | 3 to 1 | 0.190045 |
| Non-20 | 5831000 | 0.897436 | Loss | -0.897436 |
| Total | 6497400 | 1 | -0.298858 |
Analysis of Pay Table D
The next table is an analysis of pay table D with six decks. The lower right cell shows a house edge of 13.34%.
Lucky Ladies Pay Table D — 6 decks
| Hand | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Queen of hearts pair | 100 | 15 | 0.000309 | 0.030918 |
| Matched 20 | 30 | 225 | 0.004638 | 0.139129 |
| Suited 20 | 10 | 1,008 | 0.020777 | 0.207767 |
| Any 20 | 3 | 3,888 | 0.080139 | 0.240416 |
| One queen | 1 | 5,184 | 0.106851 | 0.106851 |
| Loser | -1 | 38,196 | 0.787287 | -0.787287 |
| Total | 48,516 | 1.000000 | -0.062206 |
Analysis of Pay Table E
Following is my analysis of pay table E, based on six decks.
Lucky Ladies Pay Table E — 6 decks
| Hand | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Queen of hearts pair | 100 | 15 | 0.000309 | 0.030918 |
| Matched 20 | 25 | 225 | 0.004638 | 0.115941 |
| Suited 20 | 10 | 1,008 | 0.020777 | 0.207767 |
| Any 20 | 3 | 3,888 | 0.080139 | 0.240416 |
| Queen of hearts | 2 | 1,296 | 0.026713 | 0.053426 |
| Any other queen | 1 | 3,888 | 0.080139 | 0.080139 |
| Loser | -1 | 38,196 | 0.787287 | -0.787287 |
| Total | 48,516 | 1.000000 | -0.058682 |
House Edge Summary
The next table summarizes the house edge for versions A through D for one to eight decks.
Lucky Ladies — Summary
| Decks | Pay Table A | Pay Table B | Pay Table C | Pay Table D | Pay Table E |
|---|---|---|---|---|---|
| 1 | 29.89% | ||||
| 2 | 30.05% | 24.94% | 25.51% | 12.66% | 11.37% |
| 4 | 26.04% | 19.46% | 23.35% | 7.82% | 7.24% |
| 5 | 25.24% | 18.37% | 22.92% | 6.86% | 6.42% |
| 6 | 24.71% | 17.64% | 22.64% | 6.22% | 5.87% |
| 8 | 24.05% | 16.73% | 22.28% | 5.42% | 5.19% |
Bonus Lucky Ladies
Bonus Lucky Ladies is a $1 progressive side bet. I first noticed it on June 5, 2015 at the Palace Casino in La Center, Washington. Following is the pay table table. All wins are on a 'for one' basis, meaning the player does not get his original wager returned on a win.
Bonus Lucky Ladies — Pay Table
| Player | Dealer | Pays |
|---|---|---|
| Queen of hearts pair | Dealer BJ in hearts | 100% of Jackpot |
| Queen of hearts pair | Dealer suited BJ (not hearts) | 25% of Jackpot |
| Queen of hearts pair | Dealer BJ (not suited) | 5% of Jackpot |
| Queen of hearts pair | Anything else | $125 |
| Matched 20 | Anything | $19 |
| Suited 20 | Anything | $9 |
The next table shows the probability and return of each event, based on six decks. A question mark means a variable win, depending on the jackpot size.
Bonus Lucky Ladies — Return TableExpand
| Player | Dealer | Pays | Combinations | Probability | Return |
|---|---|---|---|---|---|
| Queen of hearts pair | Dealer BJ in hearts | ? | 1,980 | 0.0000009 | ? |
| Queen of hearts pair | Dealer suited BJ (not hearts) | ? | 6,480 | 0.0000028 | ? |
| Queen of hearts pair | Dealer BJ (not suited) | ? | 25,380 | 0.0000109 | ? |
| Queen of hearts pair | Anything else | $125 | 684,585 | 0.0002946 | 0.0368267 |
| Matched 20 | Anything | $19 | 10,776,375 | 0.0046376 | 0.0881153 |
| Suited 20 | Anything | $9 | 48,278,160 | 0.0207767 | 0.1869899 |
| Loser | $0 | 2,263,900,860 | 0.9742765 | 0.0000000 | |
| Total | 2,263,900,860 | 1.0000000 | 0.3119318 |
The table above shows the fixed wins return 31.19%. Each $10,000 in the meter will add 2.13% to the return. To reach break-even the jackpot would need to reach $328,372.59.
Lucky Ladies Bingo
Analysis of Pay Table F
Following is my analysis of the progressive pay table F, based on six decks. Wins are on a 'for one' basis.
Pay Table F Analysis ‐ Six Decks
| Event | Pays | Combinations | Probability | Return |
|---|---|---|---|---|
| Queen of hearts pair + dealer BJ | Jackpot | 33,840 | 0.000015 | ? |
| Queen of hearts pair | 25 | 684,585 | 0.000295 | 0.007365 |
| Suited 20 | 10 | 59,054,535 | 0.025414 | 0.254143 |
| Unsuited 20 | 2 | 186,215,760 | 0.080139 | 0.160277 |
| Loser | 0 | 2,077,685,100 | 0.894138 | 0.000000 |
| Total | 2,323,673,820 | 1.000000 | 0.421785 + ? |
The following table shows a return to player of 42.18%, not including the value of the jackpot. For every 10,000 bets units in the jackpot, the return increases by 14.56%.
I saw this as a 'red light' $1 bet at the Rampart on January 29, 2021. At the time, the jackpot was $17,347.43. That would make the return at that time and place 42.18% + 14.56% × $17347/$10000 = 67.44%.
Written by: Michael Shackleford