Australia · Blackjack · Basic strategy · Updated November 2026

Blackjack Strategy Chart 2026: Basic Strategy for Every Hand, Explained and Drilled

Basic strategy is the one chart that takes the house edge at a 3:2 blackjack table down to about half a percent, and it takes a week to learn. The chart below gives every decision for the tables dealt at the casinos we reviewed: a 6- or 8-deck shoe, the dealer stands on soft 17, double after split allowed. Each block is explained rather than listed, because the reasoning is what makes the chart stick, the changes for a dealer who hits soft 17 are set out separately, a table prices every common mistake, and a drill deals hands against the chart until the decisions are automatic.

  • 0.5% house edge with the chart
  • 3:2 natural at every ranked table
  • S17 dealer rule the chart assumes
  • 18+ play responsibly

Best Casinos for Basic Strategy Blackjack: Where the Chart Is Worth Its Full Value

Showing 6 of 6 casinos

1

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  • Dealer ruleStands on soft 17
  • Double after splitYes
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2

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  • Lowest-edge tableInfinite Blackjack, 99.47%
  • Dealer ruleStands on soft 17
  • Double after splitYes
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3

Vegastars Branded S17 Tables in AUD With Bet Behind

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  • Dealer ruleStands on soft 17
  • Double after splitYes
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4

WinSpirit Reshuffled RNG Tables for Drilling, Four Live Studios

Best for Practice★ 4.4/5
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  • Lowest-edge tableRNG tables, reshuffled each hand
  • Dealer ruleStands on soft 17
  • Double after splitYes
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5

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  • Lowest-edge tableRTG classic, 6 decks
  • Dealer ruleStands on soft 17
  • Double after splitYes
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6

Neospin Seven Live Studios, S17 Throughout

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  • Dealer ruleStands on soft 17
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A strategy chart is only as good as the table it is used on. The ranking above sorts the casinos by how much the chart is worth at their blackjack tables: the return of the best table, whether the dealer stands on soft 17, whether a double is allowed after a split, how cheaply the chart can be practised, and whether a promotion asks the player to play a hand differently. Every table in the ranking pays 3:2 on a natural and stands on soft 17, so the chart on this page applies as printed at each of them.

Rainbet is first for a reshuffled table that returns 99.6% from US$0.10, RocketPlay for the widest choice of standard live tables and Evolution's 99.47% Infinite Blackjack, Vegastars for the same rules in Australian dollars with a seat always open. WinSpirit and Neospin follow with sound tables and no Evolution formats, and Fair Go closes with a six-deck RTG table that is marginally kinder to the chart than any 8-deck shoe but has no dealer behind it.

Blackjack Basic Strategy Chart: Every Decision for a 3:2, S17, Double-After-Split Table

Basic strategy is the mathematically correct action for every combination of player hand and dealer up card, worked out by computing the expected result of each option over every possible draw from the shoe. The chart below is for the rule set dealt at the standard live tables and RNG tables of the casinos ranked above: a 6- or 8-deck shoe, the dealer stands on soft 17, double after split is allowed, and late surrender is available where the table offers it. Pick a hand and a dealer card to see the decision, or read the chart straight down.

Dealer shows

Pick a hand and tap the dealer's up card. The correct action lights up in the chart below.

Basic strategy chart: player hand against dealer up card
Player hand2345678910A
Hard 8 or lessHHHHHHHHHH
Hard 9HDDDDHHHHH
Hard 10DDDDDDDDHH
Hard 11DDDDDDDDDH
Hard 12HHSSSHHHHH
Hard 13–16SSSSSHHHHH
Hard 16 vs 9, 10, A · Hard 15 vs 10———————RRR
Hard 17+SSSSSSSSSS
Soft 13–14 (A2, A3)HHHDDHHHHH
Soft 15–16 (A4, A5)HHDDDHHHHH
Soft 17 (A6)HDDDDHHHHH
Soft 18 (A7)SDDDDSSHHH
Soft 19+SSSSSSSSSS
A,A and 8,8PPPPPPPPPP
9,9PPPPPSPPSS
7,7PPPPPPHHHH
6,6PPPPPHHHHH
4,4HHHPPHHHHH
3,3 and 2,2PPPPPPHHHH
10,10SSSSSSSSSS
5,5DDDDDDDDHH

H = hit, S = stand, D = double (hit if not allowed), P = split, R = surrender (hit if not allowed). The chart lists hands in three blocks: hard totals, soft totals and pairs. A hand is read in that order too: if it is a pair, the pair row applies first; if it is not a pair and holds an ace counted as 11, the soft row applies; everything else is a hard total. The sections below explain the reasoning behind each block, because a chart understood is retained far longer than a chart memorised.

Reading the Chart in Three Steps

  1. Find the row. Pairs first: two cards of the same value go to the pair block, whatever their total. Then soft hands: an ace that can still count as 11. Then the hard total.
  2. Find the column. The dealer's up card, 2 to 10 or ace. Face cards are 10.
  3. Apply the letter, with the fallback. D means double, and hit if the table does not allow a double on that hand. R means surrender, and hit if the table has no surrender. After a split, each new hand is read from the top again.

What Changes When the Dealer Hits Soft 17

Some RNG tables and most American land-based shoes let the dealer hit a soft 17, which adds about 0.2% to the house edge and changes five cells. The tables in the ranking above stand on soft 17, so the adjustments are listed for a player who meets an H17 table elsewhere.

HandDealer showsS17 table (the chart above)H17 table
Hard 11AceHitDouble
Soft 18 (A,7)2StandDouble
Soft 19 (A,8)6StandDouble
Hard 15AceHitSurrender if offered, else hit
Hard 17AceStandSurrender if offered, else stand

Hard 11 against an ace is the one that matters in practice: with the dealer hitting soft 17, the ace is weaker and the double becomes correct. Everything else in the chart stays the same at an H17 table.

Hard Hands: Why the Chart Stands on 12 Against a 6 and Hits 16 Against a 7

A hard hand has no ace, or an ace that can only count as 1. The whole hard-hand block follows from one table: how often the dealer busts from each up card. Against a dealer 4, 5 or 6 the dealer busts more than two hands in five, so a stiff player total of 12 to 16 stands and lets the dealer break. Against a 7 or higher the dealer makes 17 or more about three hands in four, so a stiff hand has to risk the bust and hit. The figures are for an 8-deck shoe with the dealer standing on soft 17.

Dealer up card2345678910A
Dealer busts35.3%37.6%40.3%42.9%42.1%26.0%23.9%23.3%21.4%11.7%
Chart on hard 12–16Stand 13–16, hit 12Stand 13–16, hit 12StandStandStandHitHitHitHit (surrender 16)Hit (surrender 16)

The Three Hard Hands Players Get Wrong

  • Hard 12 against a 2 or 3. The dealer busts only about 35% of the time from those cards, and a 12 can take any card but a ten without busting. Hitting loses less than standing. Against 4, 5 and 6 the dealer's bust rate climbs past 40% and standing takes over.
  • Hard 16 against a 10. Every option loses on average. Standing loses about 54 cents in the dollar, hitting about 53.5, surrender exactly 50. Where surrender is offered, take it. Where it is not, hit, even though the bust rate is high, because standing is worse by a fraction.
  • Hard 10 or 11 against a 10. Hard 11 doubles against a 10: a ten-value draw is the most likely card and makes 21. Hard 10 against a 10 only hits, because the dealer's 10 makes 20 too often to justify twice the money.

The Doubles

Doubling puts a second bet on a hand that one card is likely to finish well. Hard 11 doubles against everything at an S17 table except the ace. Hard 10 doubles against 2 through 9. Hard 9 doubles only against 3 through 6, the cards from which the dealer busts most. Hard 8 never doubles in a multi-deck game. A table that forbids doubling on 9 adds about 0.1% to the edge, and one that allows it on 10 and 11 only adds about 0.2%, so the double rule is printed in every card above.

Soft Hands: The Ace That Cannot Bust and the Doubles It Pays For

A soft hand holds an ace counted as 11, so one more card cannot bust it: an ace-six that draws a nine simply becomes a hard 16. That safety is why the soft block doubles far more often than the hard block. Against a dealer 4, 5 or 6, a soft 13 to 18 doubles, because the worst outcome of the extra card is a hard total that still has a second chance, and the dealer is likely to bust anyway. Against a 7 or higher the soft hand hits until it reaches a total that stands.

Soft handDouble againstOtherwiseWhy
Soft 13, 14 (A2, A3)5, 6HitWeak hand; worth doubling only when the dealer is most likely to bust
Soft 15, 16 (A4, A5)4, 5, 6HitSame reasoning, one dealer card wider
Soft 17 (A6)3 to 6HitNever stand: a 17 loses to every dealer hand that makes it
Soft 18 (A7)3 to 6Stand against 2, 7, 8; hit against 9, 10, A18 beats a dealer 7 or 8 often enough to stand; against 9, 10 and ace it is an underdog and a hit cannot bust
Soft 19, 20 (A8, A9)Never at S17StandAlready a winning total; at an H17 table soft 19 doubles against a 6

Soft 18 Is the Hand Most Often Misplayed

Players stand on soft 18 against a 9, 10 or ace because 18 looks like a good hand. It is not against those cards: the dealer makes 19 or better from a 9 or 10 roughly half the time, and an 18 that stands wins less often than it loses. Hitting cannot bust the hand, and the draw either improves it or turns it into a hard total that is played by the hard rules. Against a 2 the hand stands; against 3 through 6 it doubles, which is the most profitable soft double on the chart after soft 17 against a 6.

Pairs: When Two Hands Beat One, and the Four Pairs That Never Split

A split turns one hand into two, each with its own bet, so it is correct only when two hands starting from the single card are worth more than one hand starting from the pair's total. Aces and eights split against everything: a pair of aces is a soft 12 but two hands starting at 11 are the strongest start in the game, and a pair of eights is a hard 16 while two hands starting at 8 are ordinary. Tens never split, because 20 wins on its own. Fives never split, because hard 10 is a doubling hand and two hands starting at 5 are not. Fours split only against 5 and 6, and only where a double after the split is allowed.

PairSplit againstOtherwiseNote
A,AEverything—One card to each ace at most tables; a ten on a split ace is 21, not a natural
8,8Everything—Against a 10 the split still loses on average, but less than hitting or standing on 16
9,92–6, 8, 9Stand against 7, 10, AAgainst a 7 the 18 stands because the dealer's likely 17 loses to it
7,72–7HitTwo hands from 7 against a weak dealer card beat one hard 14
6,62–6HitSplit only against bust cards; needs double after split to be right against a 2
2,2 and 3,32–7HitAgainst a 2 or 3, split only where double after split is allowed
4,45, 6HitOnly with double after split; otherwise hit the hard 8
5,5NeverDouble against 2–9, hit against 10, APlayed as a hard 10
10,10NeverStandA 20 wins about 85% of the time; two tens win less than that between them

Double after split is the rule that moves most of the pair block. Where it is allowed, as at every table in the ranking above, a split hand that draws into a 9, 10 or 11 doubles as if it were a fresh hand. Where it is not, the chart tightens: 2,2 and 3,3 split against 4 through 7 only, 4,4 never splits and 6,6 splits against 3 through 6. The rules page lists which tables allow it and what each rule is worth.

Surrender, Insurance and Side Bets: The Decisions Outside the Grid

Three decisions sit outside the main grid. Surrender is part of basic strategy where it is offered. Insurance is a side bet that basic strategy always declines. The other side bets are not decisions about the hand at all and belong in a separate budget.

Late Surrender

Surrender gives up half the bet after the dealer checks for a natural. It is correct when the hand's expected loss is more than half the bet: hard 16 against a 9, 10 or ace, and hard 15 against a 10, the four cells marked R in the chart. Those four cells are worth about 0.08% of the house edge over a session, which is small but free. Surrender is uncommon at live tables; the standard Evolution, Pragmatic Play Live and Playtech tables in the ranking above do not offer it, so the chart's fallback applies: hit those hands instead.

Insurance and Even Money

When the dealer shows an ace, the table offers insurance: a side bet of up to half the main bet that pays 2:1 if the dealer's hole card is a ten-value card. In an 8-deck shoe about 31% of the cards are ten-value, so the bet wins less than one time in three and is paid as if it won exactly one in three. The house edge on insurance is about 7.5%, which is fifteen times the edge on the hand itself. Even money, offered to a player holding a natural against an ace, is insurance under another name: it trades a 3:2 payout that wins 69% of the time for a 1:1 payout that wins every time, and loses value in the exchange. Basic strategy declines both, every time.

21+3, Perfect Pairs and the Others

Side bets pay on the cards dealt rather than on how the hand is played, so no strategy improves them. Evolution publishes a return of 96.30% on 21+3 and 95.90% on Perfect Pairs at its live tables, against 99.29% on the main hand. A player who enjoys them should size them as entertainment: AU$1 on the side bet beside AU$10 on the hand costs about as much per hour as the main game itself.

What Basic Strategy Is Worth: House Edge by Playing Style and the Cost of Each Mistake

The chart does not beat the game. What it does is bring the house edge to the floor the rules allow, which on a 3:2, S17, double-after-split shoe is about 0.5%. Every departure from it raises the edge, and the table shows by how much for the ways people actually play.

Playing styleHouse edgeCost per hour at AU$10 a hand, 60 hands
Basic strategy without errorAbout 0.5%About AU$3
Basic strategy with the common slips (soft 18, 12 vs 3, insurance now and then)About 1%About AU$6
Playing by feelAbout 2%About AU$12
Mimic the dealer (hit to 17, never double or split)About 5.5%About AU$33
Never bust (stand on every 12 or more)About 4%About AU$24
Basic strategy at a 6:5 tableAbout 1.9%About AU$11

The Price of Individual Mistakes

Each cell in the chart has an expected value, and the gap between the best play and the next best is the cost of getting it wrong. The figures below are approximate expected results per dollar bet on an 8-deck S17 shoe, and they explain why some mistakes matter and others barely register.

HandCorrect playCommon mistakeCost of the mistake, per AU$1 bet
Hard 11 vs 10Double (about +0.18)Hit (about +0.11)About 7 cents
Soft 18 vs 9Hit (about −0.10)Stand (about −0.18)About 8 cents
Hard 12 vs 2Hit (about −0.25)Stand (about −0.29)About 4 cents
Hard 16 vs 10Surrender (−0.50) or hit (about −0.54)Stand (about −0.54)Under 1 cent against hitting; 4 cents against surrender
8,8 vs 10Split (about −0.48)Hit (about −0.54)About 6 cents
10,10 vs 6Stand (about +0.70)Split (about +0.62)About 8 cents
Any hand vs aceDecline insuranceTake insuranceAbout 7.5 cents per dollar insured

Two things follow. The expensive mistakes are the missed doubles and splits, not the hit-or-stand coin flips: a player who doubles 11, splits aces and eights, and leaves 20 alone has most of the chart's value with a dozen cells. And the hard 16 against a 10 that players agonise over is close to a wash between hitting and standing, so the chart's answer there is surrender where it exists.

Basic Strategy Drill: Learn the Chart in a Few Hundred Hands

The chart is learnt by decision, not by reading. The drill deals a hand and a dealer card, takes a decision and checks it against the chart above, keeping a score and a streak. The blackjack simulator deals full hands with the same coach behind every decision and prices each mistake. Choose a block to drill its rows alone, or all three for a mixed session. A player who reaches 50 correct in a row across all three blocks has the chart in memory for the tables in the ranking.

Press Deal to start.

Your decision

How to Memorise It in a Week

  1. Day one: the dozen that matter. Always split aces and eights, never split tens or fives, double hard 11 against everything but an ace, double hard 10 against 2 to 9, stand on hard 17 and above, stand on soft 19 and above, never take insurance. That is most of the chart's value.
  2. Day two: the stiff hands. Hard 13 to 16 stands against 2 to 6 and hits against 7 to ace; hard 12 stands only against 4, 5 and 6.
  3. Day three: the soft doubles. Double soft 13 to 18 against 5 and 6, add 4 for soft 15 to 18, add 3 for soft 17 and 18. Soft 18 stands against 2, 7 and 8 and hits against 9, 10, ace.
  4. Day four: the remaining pairs. 2s, 3s and 7s split against 2 to 7; 6s against 2 to 6; 9s against everything but 7, 10 and ace; 4s against 5 and 6 only.
  5. Days five to seven: the drill. Two hundred mixed hands a day until the streak passes 50. Then a session at a reshuffled RNG table from AU$1, at WinSpirit or Vegastars, before the first live shoe.

Beyond Basic Strategy: Betting Systems, Card Counting and Table Choice

Basic strategy fixes the decisions on the hand. Three other things are sold as strategy, and only one of them changes the edge.

Betting Systems Change the Variance, Not the Edge

Martingale, Paroli, 1-3-2-6 and the rest change the size of the bet after a win or a loss. The house edge is a percentage of each bet, so every bet in a progression carries the same 0.5% and the total loss over time is 0.5% of the total staked, whatever the sequence. What a progression changes is the shape of a session: Martingale produces many small wins and an occasional large loss, Paroli the reverse. A run of seven losses at AU$10 asks a Martingale player for a AU$1,280 bet and meets most table maximums. The simulator on the roulette page runs any of them over thousands of sessions and shows the result.

Card Counting Changes the Edge, Where the Shoe Allows It

Counting tracks the ratio of high cards to low cards left in the shoe and raises the bet when the shoe favours the player. It works on a dealt shoe with deep penetration and fails on anything that reshuffles: every RNG table, every continuous-shuffle machine, and live tables that cut the shoe at half. A true count of +2 on an 8-deck shoe moves the edge to the player by roughly 0.5%, so counters need a bankroll that absorbs long neutral stretches. It is legal in Australia and online casinos can decline a counter's business. The card counting section covers Hi-Lo, true count and where it can and cannot be applied.

Table Choice Is the Second-Biggest Decision

After the chart, the rules of the table decide the edge. A 6:5 natural costs 1.4%, three times the whole edge of a good table. A dealer who hits soft 17 costs 0.2%, no double after split 0.14%, a single-deck game returns 0.5% to the player. The rules page has a calculator that prices any rule set, and the ranking above was built from the same arithmetic: every table in it pays 3:2, stands on soft 17 and allows a double after a split.

Blackjack Strategy: Frequently Asked Questions

What is the basic strategy chart in blackjack?

A table of the mathematically best decision for every player hand against every dealer up card: hit, stand, double, split or surrender. It was derived by computing the expected result of each option over every possible draw, and it changes only when the rules change. Played without error on a 3:2, dealer-stands-on-soft-17, double-after-split table, it brings the house edge to about 0.5%, the lowest of any standard casino game. The chart on this page is for that rule set, which is the one dealt at the standard live tables of the casinos ranked above.

Does basic strategy actually work?

It does what it claims, which is to lose as little as the rules allow. It does not beat the game. A player following the chart at a 3:2 table gives up about 0.5% of every bet over the long run, against roughly 2% for a player who plays by feel and more than 5% for one who never busts or copies the dealer. On a AU$10 bet at 60 hands an hour that is about AU$3 an hour with the chart and AU$12 without it. The chart cannot change a losing night, only the average.

Should I always split aces and eights?

Yes, against every dealer card. A pair of aces counted together is a soft 12, a poor hand, while two hands each starting with an ace are the best starting point in the game. A pair of eights is a hard 16, the worst total there is, while two hands starting at 8 are ordinary. Splitting eights against a 10 still loses on average, but less than hitting or standing on 16. The only exception is a table that offers surrender and deals from a shoe where surrender on 8,8 against an ace is marginally better, which is not the case at the tables above.

When should I double down in blackjack?

On hard 11 against every dealer card but the ace, on hard 10 against 2 through 9, on hard 9 against 3 through 6, and on soft hands against the dealer's weak cards: soft 13 and 14 against 5 and 6, soft 15 and 16 against 4 through 6, soft 17 and 18 against 3 through 6. The logic is the same in every case: the player holds a hand that a single card is likely to improve, the dealer shows a card that is likely to bust, and doubling puts twice the money on that advantage. Against an ace, hard 11 only hits when the dealer stands on soft 17 and doubles when the dealer hits it. Where doubling is not allowed, hit instead, except on soft 18, which stands.

Should I ever take insurance?

No, not as a basic strategy player. Insurance is a bet that the dealer's hole card is a ten-value card, paid at 2:1. In an 8-deck shoe roughly 31% of the cards are ten-value, so the bet wins less than one time in three and pays as if it won one in three. The house edge on insurance is about 7.5%, far above the main game. Even money on a player blackjack is the same bet under another name and is declined for the same reason. Only a card counter with a positive count has a reason to take it.

Does the chart change for dealer hits soft 17 or for fewer decks?

A little. When the dealer hits soft 17, five decisions change: double 11 against an ace, double soft 18 against 2, double soft 19 against 6, and surrender 15 and 17 against an ace where surrender is offered. With one or two decks a handful of doubles become more aggressive, such as hard 9 against 2 and hard 8 against 5 and 6 in single deck. The casinos ranked above deal from 6- or 8-deck shoes with the dealer standing on soft 17, so the chart on this page applies as printed.

Can I use a strategy chart at a live dealer table?

Yes. An online live table is played from a browser, and nothing stops a player keeping the chart open in a second window or on paper. The decision window is 10 to 15 seconds, which is enough to find a cell. At a land-based table in Australia a printed card is also tolerated at most casinos, though the pace of the game makes it awkward. The drill on this page is the faster route: a few hundred hands against it and the chart is in memory, where the window is no longer a limit.

Basic strategy is one chart, learnt in a week, that takes the house edge on a 3:2 blackjack table to about half a percent and keeps it there for as long as the player follows it. The chart on this page covers every hand at the standard tables of the casinos ranked above, the drill puts it into memory, and the tables of costs show which cells carry the money. The rules page covers the table rules that move the edge around the chart, the blackjack ranking compares the tables themselves, and the live casino page covers the dealer formats.

Ready to play the chart?

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