In rummy the aim is to finish with as few points as possible. Points are counted on the cards you have not arranged into valid groups.
Rules below describe the most common Indian 13-card format. Apps can change details such as drop points, point caps and joker rules, so always check the in-app rules.
Card values
| Card | Points |
|---|---|
| Ace, King, Queen, Jack | 10 each |
| 2 to 10 | Face value |
| Jokers (printed and wild) | 0 |
Typical penalties
- First drop (before your first draw): about 20 points.
- Middle drop (after drawing at least once): about 40 points.
- Maximum per hand: commonly capped at 80 points.
- Wrong declaration: usually the full 80 points.
When there is no pure sequence
If you have no pure sequence when someone declares, all your cards are usually counted, even ones in other groups.
Points to money (Points Rummy)
In Points Rummy each point has a fixed rupee value set by the table. Example: at ₹1 per point, a loser with 30 points pays ₹30 to the winner, before the app’s fee. See rummy variations.
More rummy guides
- Rummy rules (13-card Indian rummy)
- Sequences, sets and jokers
- Points, Pool and Deals rummy
- Rummy tips and strategy
- Rummy terms glossary
- Is Yono Rummy real?
- Teen Patti vs rummy
- Best rummy apps
- Rummy apps
Real-money rummy involves financial risk. Play only with money you can afford to lose. 18+ only; check whether real-money play is legal in your state.
Frequently asked questions
How many points is an ace in rummy?
Ace, King, Queen and Jack each count 10 points. Number cards count their face value, and jokers count 0.
What is the first drop in rummy?
Leaving a round before your first draw. It usually costs about 20 points, less than a middle drop.
What is the maximum points in a rummy hand?
Many apps cap a hand at 80 points, which is also the usual penalty for a wrong declaration.
How is money calculated in points rummy?
Your points are multiplied by the table's rupee value per point. Check the app for its fee.