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Live Dealer Blackjack Side Bets & Their Payouts Explained

In live dealer blackjack games, side bets are wagers you make separately without affecting your main bet. They come in many forms, each with a different payout and odds of winning.
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Image of Live Blackjack Side Bets

Some options like perfect pairs, 21+3, and insurance bets are incredibly popular with players, although there are many others available. Different blackjack variants have their own set of side bets, though they tend to share the most popular ones. That said, some versions don’t have side bets at all.

While side bets offer a lot of excitement, pros consider them a waste of money.

Let’s see if that’s the case, which ones are the most popular, and how to select them. 

What Side Bets Exist in Live Blackjack 

As there are more than 60 unique side bets available in live blackjack, we’ll focus only on the most common and those that might interest a casual gamer. 

Perfect Pairs

Blackjack Perfect Pairs IconPerfect Pairs lets you wager on whether your initial two cards will be a pair. The payout depends on the type of combinations you get, usually including:

  • Perfect pair (same suit) — 25:1 payout
  • Colored pair (same color) — 12:1 payout
  • Mixed pair (mixed colors) — 6:1 payout

Insurance Bet

The insurance bet is familiar to most blackjack players, allowing them to place a side bet that acts as protection for their regular wager. You can use it if the dealer’s up card is an ace, so you get paid 2:1 if the dealer lands a 10 and hits blackjack.

However, the chances of this happening are too low to warrant placing an insurance bet (half your initial stake). Plus, you’d have to do it with every new hand, which would cost more than losing when the dealer lands a blackjack.


The bet lets you wager on the initial three cards — your first two cards and the dealer’s face-up card.

You can wager on these three forming a specific hand from 3-Card Poker, and place the following 21+3 side bets:

  • Flush (three same-suit cards) — 5:1 payout
  • Straight (cards in consecutive order) — 10:1 payout
  • Three-of-a-kind (three same cards) — 30:1 payout
  • Straight flush (same suit cards in consecutive order) — 40:1 payout
  • Suited three-of-a-kind (three same cards in the same suit) — 100:1 payout

Bet Behind

This set of side bets lets you place wagers on another player’s cards like you would with your own hand. However, here, you have no control over their moves, so you can’t know what will happen.

Bet behind is only worthwhile if you’ve figured out the other player’s strategy.

Lucky 7

Image of Lucky 7 Live Blackjack BetThe side bet lets you wager on the number of sevens you get.

Betting options include two sevens of the same suit, three sevens of any suit, and more.

Lucky Lucky

Lucky Ladies Blackjack BetThe Lucky Lucky side bet allows you to predict what your initial two cards will be together with the dealer’s face-up card.

For instance, you can bet on all of them being 7s, forming a straight flush of 6–8, being the same suit, and more.

Hot 3

Image of Hot 3 Live Blackjack BetThe Hot 3 bet lets you wager on the combined value of the first three cards (your initial two cards and the dealer’s face-up card).

You can guess whether the value is 19, 20, or 21. The payouts are low but get higher if the cards are in the same suit.

Bust It

Image of Bust It Live Blackjack BetThis side bet is simple, and you win it if the dealer busts. The payout depends on the number of cards the dealer holds.

The more cards they have after they bust, the bigger the payout.

Royal Match

Royal Match Blackjack BetThe side bet pays when you land two suited cards, usually 5:2.

If you get a “royal match,” that is, a king and a queen, the payout is 25:1.

Perfect 11

Image of Perfect 11 Live Blackjack BetYou win this side bet if the value of your initial two cards is 11. The payout is:

  • 5:1 if you get a blackjack with an ace and a 10
  • 10:1 if you receive any two cards
  • 21:1 if you draw any two same-suited cards

Should I Use Side Bets?

Image of Live Blackjack Side Bets

As always, this depends on the type of player you are and your objectives.

If you’re looking to optimize your gameplay and win more, then you should avoid all side bets. However, if you’re a casual player looking for thrills or simply to experiment, then, by all means, try one out. 

Side bets are entirely luck-based and offer huge payouts, but the odds of winning them are usually very low. Due to this, they shouldn’t be included in any serious playing strategy, only in casual gaming. 


What are side bets in live dealer blackjack? Side bets are separate wagers you can place in blackjack that don’t affect the primary game and have their own payouts. They are often generous, which makes them quite tempting, but the chances of winning are low.
Are side bets in live blackjack worth it? Side bets require you to make additional wagers, and the chances of success are usually slim. Professional players never use them, but they can occasionally be fun as they add excitement to the gameplay. Consider giving them a try when a game gets boring, but don't use them regularly.
Which blackjack side bet is the most profitable? Many side bets offer massive payouts; however, they are challenging to win. The two that many players and experts consider the most profitable are perfect pairs and 21+3.
Is surrender a side bet in blackjack? No, surrender is an option you can use in the main gameplay. You can choose to surrender your initial bet and get half of the money back in certain situations and specific live blackjack games.
How much do blackjack side bets payout? Payouts differ for each side bet and go from 1:1 to 2000:1, with most going up to 25:1.

About the Author

Author Hi all! My name is Jayson Peter, and I am the Chief Editor here at Casino USA. I have always been a huge fan of casinos, but I noticed that there are not a lot of websites out there that discuss the gambling industry in enough detail, so that’s how the idea for was born. With my extensive knowledge of the industry and the help of my team, I am ready to give you an insight into the exciting world of casino gambling in the United States.