Hi Lo Blackjack Review – Best Casino to Play for Real Money
Written by Angelina Vodenicharova
Hi Lo Blackjack by Realistic Games launched on 10 September 2020 as an HTML5 table game. This six-deck, multi-hand variant stands out with its proprietary Hi Lo side bet, up to five simultaneous hands on desktop (or three on mobile), and double after split, combining standard American blackjack rules with an added wagering layer.
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This review covers the complete ruleset, side bet mechanics, and player options for Hi Lo Blackjack. Read on to understand how the six-deck format and proprietary side bet work together in this variant.
Overview of Hi Lo Blackjack
Hi Lo Blackjack in Brief:
- Release Date: 10.09.2020
- Type: Table Game
- Variant: American Blackjack
- Game Developer: Realistic Games
- RTP: 96.98%
- Number of Decks: 6 Decks
- Blackjack Payout: 3:2
- Dealer Rule: Stands on All 17s, Dealer Peeks
- Special Features: Multi-Hand (Up to 5 Boxes), Low Stakes Option, Customisable Settings (Dealer Voice, Cloth Colour, Sound)
- Side Bets: Yes – Hi Lo Proprietary Side Bet
- Max Side Bet Payout: Standard win pays 1:1
More About Online Blackjack
At 96.98%, Hi Lo Blackjack’s overall RTP falls below the typical 99.2%–99.6% range for standard online blackjack. This lower figure reflects the inclusion of the Hi Lo side bet, which carries its own return rate. Players who skip the side bet can expect a return closer to the standard blackjack range.
The Hi Lo side bet is what sets this variant apart. Before each hand, players can wager on whether their second card will be higher or lower than their first. Participation is optional, so you can play standard blackjack without engaging the side bet at all.
The dealer stands on all 17s and peeks for blackjack, following American rules. Both rules favour the player: standing on soft 17 limits the dealer’s improvement chances, while the peek prevents wasted bets on doubles and splits against a dealer natural.
Online Blackjack Knowledge Box
The name of this card game. Also the best hand of two cards totaling 21, made with an Ace worth 11 and cards worth 10, such as 10, Jack, Queen, King.
Asking the dealer for another card when trying to improve your total hand.
Keep your current hand of cards and end your turn in blackjack.
When the numerical total value of your hand goes over 21 in Blackjack, you automatically lose.
The opportunity to double your bet and receive only one more card.
The opportunity to divide a matching pair of cards into two separate hands, each with a new bet.
When your hand ties with the dealer’s hand, which leads to your original bet being returned in blackjack.
A side bet against the dealer having blackjack when their hand shows an Ace.
The Full Hi Lo Blackjack Rules
Hi Lo Blackjack is played with six standard decks in a multi-hand format against one dealer. The dealer stands on all 17s and peeks for blackjack.
The proprietary Hi Lo side bet lets players wager up to £500 on whether their second card will be higher or lower than the first. This bet is placed before the deal using labelled Hi or Lo boxes beside each hand position.
Players can bet across up to five hands simultaneously on desktop or three on mobile. Each hand supports its own independent Hi Lo side bet, meaning you can mix strategies across multiple positions in a single round.
| RTP | 96.98% |
| Blackjack Pays | 3:2 |
| Decks | 6 |
| Multi-Hand | Yes |
| Insurance | Yes |
| Surrender | No |
| Split | Yes |
| Additional Rules | No |
| Re-Split | No |
| Hit Split Aces | No |
| Double | Yes |
| Double After Split | Yes |
| Dealer Peek | Yes |
| Dealer Hits Soft 17 | No |
| Side Bets | Hi Lo Proprietary Side Bet |
| Bet Limits | £1 – £500 |
Insurance is available when the dealer shows an ace. Surrender is not offered, so every hand plays to completion. Decks are shuffled after each round, which effectively eliminates any card counting advantage despite the six-deck shoe.
The game includes customisable settings for dealer voice, cloth colour, sound, and music. Gameplay options such as automatic stand and game warnings help manage pace and decision-making, particularly useful when playing multiple hands with side bets active.
Our Featured Blackjack Guides
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Conclusion – Is Hi Lo Blackjack Worth Playing?
Hi Lo Blackjack is worth playing if you want a multi-hand blackjack variant with an added betting dimension. The six-deck shoe, dealer standing on all 17s (including soft 17), and double after split provide a solid base game, while the proprietary Hi Lo side bet adds a layer of decision-making not found in standard variants.
The main differentiator is the Hi Lo side bet combined with multi-hand play. Wagering on whether your second card is higher or lower than the first across up to five hands creates a distinct rhythm that separates this title from conventional blackjack offerings.
“Use the Hi Lo side bet selectively rather than on every hand. If your first card is a 2 or 3, a Hi bet has strong odds since most remaining cards in the six-deck shoe are higher. Conversely, avoid side bets on mid-range first cards like 7 or 8 where the outcome is closer to a coin flip.”
This game suits players who enjoy multi-hand blackjack and want more action per round without switching to a live dealer format. The £1–£500 range and optional side bet accommodate both cautious players and those looking to increase their exposure.
Hi Lo Blackjack delivers a straightforward American blackjack experience with one meaningful addition: the proprietary side bet. The six-deck shoe, dealer standing on soft 17, and double after split keep the base game competitive. The multi-hand format and Hi Lo wagering option give it enough variety to hold attention across longer sessions.
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