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Card Rummy Introduction

First and foremost, 13 Card Rummy is the most popular rummy card game in India. Indian Rummy or 13 Card game type is a draw and discard game, usually played with two decks. It's played between 2 to 6 players with two decks of cards and two Joker cards. The rummy rules are relatively easy to comprehend, making it possible for anyone to enjoy the card game. One of the decks of cards is closed, and the players can't see the card while picking. The other deck is an open deck created with the discarded number cards by players, also known as the discard pile deck. Each player is dealt 13 cards to start the game. The primary objective is to be the first on the table to make valid rummy sets and sequences. Once the combinations are set, a player can declare and win the game.

Each suite includes the following cards in a low to high order: Ace, 2, 3, 4, 5, 6, 7, 8, 9, 10, Jack, Queen, and King. The face cards, including Ace, Jack Queen, and King, carry 10 points each, while the other cards hold points equal to their face value cards. For example, the two cards accept 2 points and the five cards carry 5 point value. The player to have zero points or the least points is the winner of the card game.

What is the objective of rummy?

If you love playing card games, you can learn how to play rummy (draw and discard game) easily using this rummy guide . The objective of playing cards rummy is to arrange the 13 cards dealt, in sets and sequences.As per the rummy sequence rules, each player must form at least two sequences including one pure sequence. The second sequence can either be pure or impure. In terms of rummy sets, you can make 2 sets, at the most, using the same cards from different suits. To make a valid declaration, you need to have a pure sequence. If you make a declaration without a pure sequence, you will lose the game and get penalty points. Therefore, this is one of the most essential rummy rules.

Each game begins with a toss that decides which player will move first. Your strategy will depend on whether you are playing on a 2-players table (1 deck) or a 6-players table (2 decks). Irrespective of your strategy, you should prioritize making a pure sequence first. The 2-players table rummy game is fast-paced and it is relatively easier to make a strategy in this game, as you can count your opponent’s discarded cards. Want to know more about rummy rules? Keep on reading.

What is the objective of rummy?

Before you start playing Indian Rummy, here are the standard terms you should know.

Table: Table is the virtual or physical table where you play the rummy game. Each table sits 2 to 6 players as per the rummy rules. In MPL rummy, a table can seat a maximum of 5 players.

Deck: A deck contains 52 cards and a printed Joker. Each deck includes four sets of 13 cards of 4 different suit rank - Clubs, Hearts, Spades, and Diamonds. These cards have all sets of Ace, King, Queen, Jack, and the other cards from 2 to 10.

Joker Cards and Wild Cards: Each open deck contains a printed Joker Card. A wild card is randomly selected after the cards are distributed to the players. The joker card and wild card can be used as a replacement for the desired card to form sets and impure sequences. If the open joker is a printed joker, the Aces are considered as wild cards. All these cards carry zero points at the end of the game.

Sorting: Sorting cards means arranging the cards at the beginning of the game after the cards are dealt. Each user sorts their cards in a particular manner to help form sets and sequences and to prevent mixing of cards.

Rummy Points: Each card in rummy carries certain points. For instance, the face cards like Ace, King, Queen, and Jack contain 10 points each. The other cards have points the same as their number. For example, a 7 carries 7 points.

Sequence: A sequence in rummy is a group of 3 or more consecutive cards of the same suit. A sequence can be pure or impure.

Pure Sequence: A sequence without a Joker is a pure sequence. However, a wild card joker of the same suit can make a pure sequence.

Impure Sequence: A sequence with a joker card will always be an impure sequence.

Set: A set is a group of 3 or more cards of the same value and from different suits. You can also use a wild card or joker to make a set.

Drop: Players can choose to drop a game any time but are charged a penalty. The penalty for dropping out at different times in the game is explained in the points calculation section.

Rummy Card Sequence Rules

A rummy card sequence is made by grouping three or more consecutive cards from the same suit. The two types of sequences formed are a pure sequence and an impure sequence. According to the rummy card sequence rules, every player must make at least one pure sequence for a valid declaration.

Pure Sequence

A pure sequence is formed by arranging three or more consecutive cards of the same suit. However, the use of Joker to form a pure sequence is restricted. Here are two examples of a pure sequence:

A♣️ 2♣️ 3♣️ 4♣️ - A pure sequence consisting of four cards of Clubs arranged in consecutive order. None of these cards can be replaced by a Joker.

5♥️ 6♥️ 7♥️ - A pure sequence consisting of three cards of Hearts arranged in consecutive order. None of these cards can be replaced by a Joker.

Impure Sequence

An impure sequence is formed by arranging two or more cards from the same suit in consecutive order, and one or more Jokers as a replacement. Here are two examples of an impure sequence:

10♥️ J♥️ Q♥️ PJ - In this sequence, a printed Joker is used to replace the King of Hearts, making it an impure sequence.

6♦️ 7♦️ J♠️ 9♦️ - In this sequence, the J♠️ card is the wild Joker in the game and has been used to replace 8♦️, making it an impure sequence.

How to form sets?

In a game of rummy, a set is formed using three or more cards of different suits but having the same face value. You can use wild cards and Jokers to replace any card while forming a set. Here are a few examples of a set:

2♥️ 2♠️ 2♣️ 2♦️ - This set is formed using 2s of different suits, and without a Joker.

A♥️ A♣️ A♦️ - In this set, three Aces of different suits are used to make a valid set.

4♦️ 4♣️ 4♠️ PJ - This set is formed using 4s of different suits and a printed Joker to replace 4♥️.

7♠️ 7♣️ K♥️ - This set is formed using 7s of different suits and K♥️ as a wild Joker.

Note: You cannot use two or more cards of the same suit to form a set as it will be considered as an invalid declaration. You can also use more than 4 cards along with a Joker to make a valid set of 5 cards.

Here are two examples of an invalid set:

K♥️ K♥️ K♦️ - This is an invalid set as it includes two Ks of the same suit.

7♠️ 7♥️ 7♦️ 7♠️ Q♥️ - This is an invalid set as it includes two 6s of the same suit (Clubs).

The Q♥️ is a wild joker constituting the fifth card, but it doesn’t make the set invalid.

How to group cards in rummy?

rummy image payment

While playing online rummy, tap on the sort icon after the cards are dealt. The sort tab will sort all the dealt cards and group them into the same suit cards. To group the cards into sequences and sets, you can tap on each card you want to add to a group and tap on the ‘Group’ icon. You can also drag and drop cards in the required group.

Steps To Play Rummy Card Game

Can’t wait to start playing the rummy games? The rummy game rules are quite simple to learn and understand. Just learn a few rummy tips and tricks , and you are good to go. These steps will help you play the rummy card game with ease:

Download the MPL app on your device.

Select Rummy from the list of different games MPL has.

Select the rummy cash game you want to play from a wide range of options.

You can choose to play on a table on a table of 2 to 5 players.

At the beginning of the game, each player is dealt with 13 cards. A random card is selected as a wild joker for the game.

Sort your cards and start forming a pure sequence followed by other valid sequences and sets. You can draw cards from the closed deck and discard cards. At no time should a player have more than 13 cards.

According to the rummy cards rules, once you have made two valid sequences including one pure sequence, and other sets, by grouping 13 cards, you can make a declaration to win the game.

The first player to make a valid declaration with zero points wins the game.

Rummy Guidelines For Valid Rummy Declaration:

According to rummy rules, the mandatory requirement to declare is two sequences, out of which one must be a Pure Sequence (without the use of Joker). The remaining cards can be either in sets or sequences.

It is essential to re-check the cards before clicking on the ‘Declare’ button. A premature declaration, without the valid/incorrect combinations, will be deemed as an invalid declaration. This will result in the player losing the game. A valid declaration needs two sequences – one pure sequence and one impure sequence. The remaining cards need to be in a combination (set or sequence).

A typical example of an invalid declaration is

rummy image payment
rummy image payment

2♣️ 3♣️ 4♣️ 5♠️ | 5♦️ 6♦️ PJ | 8♣️ 8♠️ 8♥️ | 7♠️ 7♥️ 7♦️

This is an invalid declaration as the given combination does not have the mandatory pure sequence.

A typical example of a valid declaration is

rummy image payment
rummy image payment

5♠️ 6♠️ 7♠️ | A♥️ 2♥️ PJ | 8♣️ 8♠️ 8♥️ | 7♠️ 7♥️ 7♦️

At every turn, the player has to draw a card and discard one from his hand mandatorily. The player can draw a card by selecting either the topmost card from the closed deck or the card that was discarded in the previous turn.

How The Points & Winnings Are Calculated As Per Indian Rummy Rules?

In rummy, each card carries a certain number of points. The losing player gets points corresponding to the total value of all cards in his/her hand. If the losing player fails to make the two mandatory sequences, the value of all cards is added, capped at 80 points. If the player has formed two sequences including a pure sequence, the value of cards not in any combination is calculated.

Rummy Guidelines For Valid Rummy Declaration:



Ace, King, Queen, Jack

10 points each

Joker and Wild Cards

Zero points each

Other cards

Same value as the face Value

For Example: 5 ♥️, 6 ♥️, 7 ♥️

5 points, 6 points, 7 points

Here is the Rummy Points System:

Player with no combinations in his hand

Value of all cards is added, capped at 80 points

Player with two sequences, including one pure sequence

Value of cards that are not in any combination are added

Invalid Declaration

80 points

First Drop

20 points

Middle Drop

40 points

Player Leaves Table

When a player leaves the table after picking from a closed deck, it’s considered to be a middle drop. If a player leaves without picking any card, it’s considered as the first drop.

Winning Calculation

Wondering about how to win rummy everytime? Understanding the winning calculation will definitely get you closer to winning the games. A player’s score is the total value of all the cards in their hand, that is not a part of a valid sequence or a set. The objective is to take your points all the way down to 0 by forming all valid sequences and sets.

For instance: 5♠️ 6♠️ 7♠️ | A♥️ 2♥️ Joker | 8♣️ 8♠️ 8♥️ | 7♠️ 8♥️ 2♦️

As the first three are valid sequences they’ll be counted as 0. However the last is neither a sequence nor a set, hence invalid. The points here would be: 7+8+2 = 17

Remember: A lower score is always the best way to go.

Different Variants of 13 Cards Rummy

The rules of different rummy types and variations are slightly different, however the gameplay is similar.

Rules to Play Points Rummy

No. of Players

Points Rummy can be played by 2 to 5 players at a table. It is a single round of points rummy, where the game ends as soon as one of the players makes a declaration. The maximum number of points a losing player gets is 80.

On the first turn, if the first player picks up a card and then discards, while the second player on the second turn, picks up and declares, the first player will lose the maximum number of points. On the other hand, the third and fourth players, who got no chance to play, lose half the points as compared to the first player.


In points rummy, the objective is to make two sequences – one mandatory pure sequence is required. The rest of the cards need to be in combinations of sets or sequences.

Player Winnings

Winning Amount in Points Rummy= (Sum of all points that opponents lost) x (Pre-decided rupee value of points) – MPL fee

Rules to Play Pool Rummy

No. of Players

Pool Rummy can be played by 2 to 5 players at a table.


The basic game remains similar to Points Rummy, the only difference being it is played over a number of rounds. Pool rummy is played with a predetermined points tally – 101 or 201 Rummy. The player to reach the points tally first gets eliminated. In pool rummy, the objective is to score the least possible points in every round and avoid elimination. The last remaining player on the table is declared as the winner.

As per Pool Rummy rules, this variation is played over a number of rounds and as a result, players can opt to exit and re-enter the table. The player can rejoin a table only if the highest accumulated score on the table is less than or equal to 79 points in 101 Rummy and below 174 points in 201 Rummy. The player rejoining will get a new score that will be one more than the highest score at the time of joining.

In 101 Pool Rummy, the first drop is worth 20 points and the middle drop is worth 40 points. In 201 Pool Rummy, the first drop and middle drop are worth 25 and 50 points respectively.

Player Winnings

Winning Amount in Pool Rummy = (Entry Fee Amount) x (Number of Players) – MPL fee

Rules to Play Deals Rummy

No. of Players

Deals rummy at MPL is played between 2 to 5 players. Deals Rummy is essentially a game of Points Rummy that is played for a number of deals/rounds. In India, Deals Rummy is popularly played over 2 to 6 deals.


As per Deals Rummy rules, this variation of rummy is played with a pre-decided number of deals. Every player gets an equal score at the start of every deal. In deals rummy, the winner of every deal wins scores from the players corresponding to the sum of scores of all losing players. The player with the most number of scores at the end of the predetermined deals is declared as the winner and wins the entire prize pool.

Player Winnings

Winning Amount in Deals Rummy = (Entry Fee) x (Number of Players) – MPL fee


Can you play rummy with 2 players?

Is playing rummy legal in India?

What is the difference between 13 Cards & 21 Cards Rummy?

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