Question 1

How do I go about getting my weekly TopRummy statements?

Accepted Answer

You can view your account statement on the app itself. Here's how you can do it:

Click on the profile section location on the left top of the lobby.
Click on 'Account statement' to view your transactions.
You can also download your account statement by clicking 'Download Statements' and then selecting the time period for which you want the statement for.

Question 2

How do I add and verify my email address?

Accepted Answer

Here's how you can add and verify your email address:

Click on the profile section location on the left top of the lobby.
Click on your username.
Click on 'Add your email' and enter the email address.
We will send an email to you to verify your email ID. Just click on 'Verify your account' once you get that email.

Question 3

I tried to login, but I did not get the OTP. What should I do?

Accepted Answer

This could be because of poor network coverage in your area. Also, you can always 'resend' the OTP to your mobile number.

Question 4

I have entered the OTP however, but I still can’t access my account

Accepted Answer

This could be because of a poor internet connection.

Please check your internet connection and try again.
This could also be because you are entering an old OTP.
Please make sure you are entering the latest OTP that has been delivered to your mobile number.

Question 5

Is Online Rummy legal in India?

Accepted Answer

Yes, online rummy is legal in India. In 1968, the Supreme Court of India passed a judgment that deemed rummy a game of skill. However, a few states, Meghalaya, Andhra Pradesh, Telangana, Assam, Odisha, Nagaland and Sikkim, based on their legal discretion, have restricted skill based games that involve stakes.

Question 6

Is the TopRummy app safe to use?

Accepted Answer

Yes, TopRummy is completely safe and secure to use, and follows strict fair game play policies.

TopRummy is an ISO-certified gaming platform.
All payment gateways used by TopRummy are PCI DSS (Payment Card Industry Data Security Standards) compliant. They follow a universal set of rules and regulations that are set by global entities like Visa, Mastercard, and other international organisations.
TopRummy has a 'No-bot' certification, which clearly states that we do not have any systems that allow the usage of bots to control, mimic, assist, aid or override real player actions.
TopRummy’s card shuffling system has been RNG certified by iTech Labs (Australia). RNG uses an algorithm to generate random numbers which ensure that all players get cards selected randomly from a well-shuffled deck and are dealt with fairly by the system without any bias.

Question 7

Can I use more than one TopRummy account?

Accepted Answer

No, you cannot use more than one account to play on TopRummy. You will need to delete your current account to set up a new account with us.

Question 8

Is it mandatory to verify my Mobile number?

Accepted Answer

Yes, it is mandatory for you to verify your mobile number on TopRummy. All your information is kept confidential and not shared with any person or party.

Question 9

Is the card shuffling legitimate? How is card shuffling done at Rummy Culture?

Accepted Answer

TopRummy’s card shuffling system has been RNG certified by iTech Labs (Australia). RNG uses an algorithm to generate random numbers which ensure that all players get cards selected randomly from a well-shuffled deck and are dealt with fairly by the system without any bias.

Question 10

What documents should I upload to complete the KYC Process?

Accepted Answer

To complete your KYC, you will need the following documents:

PAN card
Any one of the following as address proof:

Aadhaar
Driving Licence
Voter ID

Please note that the name on your PAN card should match the name on your address proof. Also, you should not be playing from any of the states that have put restricts on online rummy - Meghalaya, Andhra Pradesh, Telangana, Assam, Odisha, Nagaland and Sikkim.

Question 11

I have placed withdrawals and added cash earlier without KYC, why am I asked to upload documents now?

Accepted Answer

As per the latest government mandate, KYC verification is mandatory for all players. Without KYC verification, you will not be able to add cash or withdraw your money.

You will need the following documents to complete your KYC:

PAN card
Any one of the following as address proof:

Aadhaar
Driving Licence
Voter ID

Please note that the name on your PAN card should match the name on your address proof. Also, you should not be playing from any of the states that have put restricts on online rummy - Meghalaya, Andhra Pradesh, Telangana, Assam, Odisha, Nagaland and Sikkim.

Question 12

When do I get my winning money in my account/wallet?

Accepted Answer

TopRummy offers instant money withdrawal to all its users. It usually takes less than 60 seconds for the money to reach your bank account. Please note, you should be a KYC verified player to place a withdrawal request.

Question 13

I have uploaded my KYC, how long would it take to verify?

Accepted Answer

It usually takes 2 minutes to verify your KYC documents but in some cases manual verification may take up to 24 hours.

Question 14

How would I know if my KYC is verified?

Accepted Answer

You can check the status of your KYC documents in the KYC section of the app. Also, once the KYC process is complete, you will receive an email and an SMS confirming the status of the KYC, whether it is approved or rejected.

Question 15

Why are my KYC documents rejected?

Accepted Answer

Your KYC documents may be rejected for one of the following reasons:

The name on the PAN card and name on the bank account details are not the same.
Incorrect document uploaded.
The image uploaded is not clear.
You are playing from a state that has banned online rummy. Those states are - Meghalaya, Andhra Pradesh, Telangana, Assam, Odisha, Nagaland and Sikkim.

Question 16

Why are my bank details rejected?

Accepted Answer

Your bank details may be rejected for any one of the following reasons:

Our system has identified that the bank account linked with the TopRummy account has breached our fair play policy.
Name on your bank details do not match with the name on your PAN card.
The image you have uploaded is not clear.

Question 17

Can I reuse the same KYC documents to create another account?

Accepted Answer

Your registration at TopRummy is restricted to a single user account, which will be used by you to avail of our services. You cannot use the same KYC documents to create a new account on the platform.

Question 18

Is my money safe in TopRummy?

Accepted Answer

Yes, your money is safe with TopRummy.

The amount you deposit in your TopRummy account is maintained in an escrow account with a regulated entity.
An escrow account is maintained by a 3rd party which ensures all your payments are swift and secure.
All our payment gateways adhere to PCI DSS (Payment Card Industry Data Security Standards). They follow a universal set of rules and regulations that are set by global entities like Visa, Mastercard etc.
By verifying your KYC details, we apply additional checks to keep your account safe.

Question 19

I have added cash but it is not reflectinging in my TopRummy wallet. What should I do?

Accepted Answer

This happens when your add cash has failed. In this case, money is returned to the source account within 3 days if the transaction has been done through UPI or a wallet partner. If you have used a card or netbanking, the money will be returned to your account within 7 working days. Please check your bank statement to confirm that money has returned to your account.

Question 20

Can I withdraw funds from my deposit balance?

Accepted Answer

No, you cannot withdraw fund from your deposit balance. You can only withdraw your winnings.

Question 21

Is my data (personal info/bank account details) safe with TopRummy?

Accepted Answer

Yes, your data is completely safe with TopRummy.

At TopRummy, we take technical and organizational measures to keep your personal information and bank account details secure.
All information transmission across systems is done through secure channels to prevent the interception of sensitive data.
Our app is SSL (Secure Sockets Layer) certified. It keeps all your data safe through encryption.
As per our corporate policy, we do not share your data with any 3rd party.

Question 22

How can I add cash to the TopRummy account? And is there any maximum or minimum limit?

Accepted Answer

To add cash to the TopRummy account:

Click on the 'Add Cash' button located at the top right corner of the app.
Enter the amount you want to add.
Select a payment mode through which you want to add cash.
You can add cash through UPI (GPay, PhonePe, Paytm), credit/debit cards, Paytm wallet, and net banking.
The minimum amount you can add is ₹50.
You can add up to ₹500 if your KYC documents are not verified..
You can add up to ₹50,000 if your KYC documents are verified.

Question 23

Can I delete my saved card details?

Accepted Answer

Yes, you can delete your saved card through the app itself. Here's how:

Click on Profile (left top corner of lobby).
Click on Security.
Select 'Saved Cards' and then delete the card you want.

You can also send an email about your request to support@rummyculture.com and we will make sure your card details are deleted from the app.

Question 24

Can I add cash with my Amex debit/credit card?

Accepted Answer

No, currently we don't accept payments through Amex cards. However, you can transfer money from your Amex card to your Paytm account and then add cash through the Paytm wallet.

Question 25

I have deposited higher denomination in error, can I withdraw the difference amount?

Accepted Answer

Deposited money cannot be withdrawn from TopRummy. We suggest you check the amount carefully before making a deposit.

Question 26

What is FreeCash and how do I get it?

Accepted Answer

FreeCash is a reward that is directly sent to your deposit balance. You can use it to play cash games. Here's how you can get it:

Offers: Look out for offers that have FreeCash as a reward.
Challenges: Check out your daily challenge because often you get a FreeCash reward on completing it.

Question 27

Does FreeCash expire?

Accepted Answer

Yes, usually if you do not use your FreeCash within 30 days of getting it, it is removed from your deposit balance. We recommend you use it to play cash games for free before it expires.

Question 28

What is GameCash and how do I get it?

Accepted Answer

Here's how GameCash works:

You get GameCash as a reward when you add cash, refer a friend or claim an offer.
GameCash can be used to get 10% discount on joining a table which is attributed towards commission.
Please note that GameCash has its own activation and expiration time, so please check it and use it before it expires.

Question 29

What is the welcome offer on TopRummy? How much reward can I get through my 1st deposit?

Accepted Answer

You can get up to ₹10,000 GameCash with your 1st deposit on TopRummy. Here are a few things to keep in mind:

The minimum amount you need to deposit to get a reward is ₹50.
Please note that GameCash has its own expiration time. Use it before it expires.
The maximum reward you can get is ₹10,000 GameCash. The minimum is ₹100 GameCash if you add ₹50 as your 1st deposit.

Question 30

How do I refer my friend?

Accepted Answer

We'd love to see your friends on TopRummy. Here's how you can refer them:

Open the TopRummy app.
Click on 'Refer and win' on the top left corner of the lobby.
Click on 'Refer via Whatsapp'.
Select the friends you want to refer and send the message.

Friends who register on the app through your referral link are considered as successful referrals.

Question 31

How much GameCash can I get by referring a friend?

Accepted Answer

The rewards depend on the club tier you are in. The maximum reward you can get is ₹20,000 GameCash. For detailed information on all the rewards, please visit our referral rewards page. Link

Question 32

What is the validity of referral rewards?

Accepted Answer

The validity of all referral rewards is 30 days from the date of registration of your friend.

Question 33

I referred a friend but did not get any reward, why?

Accepted Answer

Here are a few possible reasons you did not get a reward after referring your friend:

Your friend has not registered on TopRummy yet. You get a reward only when your friend registers.
Your friend has not registered through the referral link you shared. You will get a reward only if your friend registers through your referral link.
Your friend is already a registered player on TopRummy. Referral offers are valid for new players only.

Question 34

What is Culture Club program?

Accepted Answer

Culture Club program is an exclusive program that recognises and rewards TopRummy's loyal players. It is divided into tiers - Bronze, Silver, Gold, Platinum, Diamond, and VIP. Each tier has its own benefits and they increase as you move up the tiers.

Question 35

How do I become a part of a Culture Club? And how do I upgrade my tier?

Accepted Answer

You automatically become a part of the Culture Club program once you add cash for the first time. Here's how you can upgrade your club tier:

Accumulate as many Culture Points as you can by playing cash games.
Higher the value of the cash, higher the Culture Coin reward.
At the end of a month, you are assigned a club tier based on the Culture Coins you have accumulated during that month.
Your club tier is valid for 30 days only.

Question 36

What are Culture Points?

Accepted Answer

Culture Points are the points you earn monthly for playing cash games. These are non-redeemable points and they determine your club tier.

Question 37

What are Culture Coins and how do I redeem them?

Accepted Answer

Culture Coins are coins that you earn every time you play a cash game. For every Culture Point that you earn, you get 1 Culture Coin. You can redeem your Culture Coins for exclusive rewards (FreeCash, GameCash, shopping vouchers, etc.) through the Reward Store.

Question 38

How do I get a scratch card on TopRummy?

Accepted Answer

You get a new scratch card every day on TopRummy. It expires at 12am if you do not use it.

Question 39

What rewards can I get through scratch card?

Accepted Answer

You get a new reward every day through your scratch card. The reward varies from day to day and ranges between ₹5 GameCash to ₹500 FreeCash.

Question 40

How can I withdraw my winnings?

Accepted Answer

Your KYC documents need to be verified before you can withdraw your winnings. It takes less than 2 minutes to complete the process.

Go to the profile section of the app, located in the top left corner.
Click on 'Withdrawals'.
Enter the amount you want to withdraw and confirm.
You can add a UPI ID or your bank account details to withdraw your winnings.
97% of withdrawal requests are processed within a minute.

Question 41

What does 'withdrawal status' mean?

Accepted Answer

There are 3 possible states for your withdrawal request:

Successful - This means that your withdrawal request has been completed. You can check your bank account statement to confirm the same.
In-progress - This means that your withdrawal request is yet to be completed. In this case, the money has not reached your account yet and is with your bank.
Failed - This means that your withdrawal request has failed and the amount has been added back to your TopRummy wallet.

Question 42

How much can I withdraw in a single day and how many withdrawals are allowed?

Accepted Answer

TopRummy provides you lightning fast withdrawals. Here are a few key points to remember when placing a withdrawal request:

You need to be a KYC verfied player to place a withdrawal request.
You can withdraw your winnings only.
Minimum amount that you can withdraw is ₹100.
The maximum amount you can withdraw is ₹1,00,000 per transaction.
You are allowed to withdraw once a day.

Question 43

Are there any charges for withdrawals?

Accepted Answer

A withdrawal fee may be applicable. In case it is applicable, it will be clearly shown on the app before you place the withdrawal request. Please refer to our Terms of Service for further information in this behalf.

Question 44

Can my withdrawal get delayed or cancelled for any reason?

Accepted Answer

When you raise a withdrawal request, we process it instantly. However, your withdrawal may get delayed because of issues with your bank server or payment. We'd suggest you wait for at least 3 hours before you get in touch with your bank to get the latest update. In case your withdrawal gets cancelled, the money is returned to your TopRummy account immediately.

Question 45

My internet is working fine but I was disconnected from the game.

Accepted Answer

Online gaming requires a steady and stable internet connection. As a user, you may feel that your internet is stable and working fine, but in reality it might be fluctuating.

For a smooth gaming experience, please make sure that your device is connected to a reliable network and that your device's signal is strong. We recommend that you do a speed test to check the speed of your internet connection.

Question 46

How many cash games can I play every day?

Accepted Answer

On TopRummy, you can play as many cash games and tournaments you want. However, we encourage you to please play responsibly and set your limits through the responsible gaming section on the app.

Question 47

How do I report a fair play violation?

Accepted Answer

You can report a Fair Play violation or make a complaint by writing to support@rummyculture.com for a resolution. When you are writing a complaint, please provide us with the complete details for example game Date, Table ID, and the complete issue along with video or screenshot of the game so that we can investigate thoroughly. if the details are incomplete, it will delay the whole process.

Please note that all complaints are kept confidential. We will act to resolve complaints within the turnaround time. Post the investigation, any decision taken by TopRummy following a complaint will be irrevocable.

Question 48

How can I participate in rummy tournaments?

Accepted Answer

There are two types of tournaments on TopRummy - cash tournaments and free tournaments.

Cash tournaments are the ones where you have to pay a certain ”Buy-in” amount or use a tournament ticket to enter. To participate in cash tournaments:

Open the TopRummy app and click on the “Tournaments” tab.
There are many types of cash tournaments - Sit N Go, Points, Deals, Millionaire Series, etc.
Browse through the details of tournaments and choose the one you want to participate in.
Click on the “Join Now” button to register for the tournament and wait for it to start.
You can enter a tournament by using a ticket as well. You can win a ticket either through a smaller tournament or through promotional activities like scratch card, spin the wheel, etc.

Free tournaments are free to play. There’s no “Buy-in” or ticket required. To participate in free tournaments:

Open the TopRummy app and click on the “Tournaments” tab.
Click on the “Free tourney” section to view all free tournaments.
Browse through the details of tournaments and choose the one you want to participate in.
Click on the “Join Now” button to register for the tournament and wait for it to start.

Question 49

I registered for a tournament but why is my seat not confirmed?

Accepted Answer

Most tournaments can accomodate a limited number of players only. If you have registered for the tournament but your seat is not confirmed, it means that you are on the waiting list for the tournament. Your seat will be confirmed once other players/player cancel their entry. We will notify you once your seat is confirmed.

Question 50

What is waitlist?

Accepted Answer

When you register for a tournament that's already filled, you join the waitlist for that tournament. Depending on your number in the waitlist, your seat will be confirmed once other players/player cancel their entry. This is done on a first come first serve basis. For example, if your number is 10 on the waiting list, at least 10 players need to cancel their entry for you take part in the tournament.

Question 51

How do I get free tournament tickets?

Accepted Answer

There are two ways to get a free tournament ticket:

Scratch card: Use your daily free card every day. You might get a free tournament ticket.
Play cash tournaments: Look out for tournaments which offer free tournament tickets to top players.

Question 52

What happens to the TDS deducted from my winnings?

Accepted Answer

We will deposit the TDS amount with the Income Tax Department against your PAN. Hence, it is mandatory that you provide us with your correct PAN details so that you can claim the TDS benefit while filing your tax returns.

Question 53

What is TDS and how does it work?

Accepted Answer

TDS is the acronym for 'Tax Deducted at Source,' which we are legally required to deduct on net winnings. We deposit the TDS amount with the Income Tax Department against your PAN. To know more about the TDS policy, please visit this page. Link

Question 54

I don't know how to play rummy. How can I learn to play rummy?

Accepted Answer

The game of rummy is played with multiple decks of cards. To win the rummy game, a player must make a valid declaration by drawing and discarding cards from the two piles given on the table.

One pile is a closed deck, where a player is unable to see the card that he or she is picking, while the other is an open deck that is formed by the cards discarded by the rummy players. To win in a rummy online game, the players have to group cards in valid sequences and sets.

Rummy Rules

Rummy rules are very simple. Usually, it is played with 2 decks of cards and each player gets 13 cards each at the start.
On their turn, players draw 1 card from the open or closed deck, and discard 1 card from their group of cards. The open deck is a pile of discarded cards while the closed deck contains cards that have not been dealt.

Objective of Rummy

The primary objective of a game of rummy is to make a valid declaration. A valid declaration of the cards can be made by arranging all the 13 cards in an appropriate order.

Important: All the cards are arranged in a combination of sequences and(or) sets that include at least two sequences with one being a pure sequence.

The winner is the one who makes a valid declaration first. Other players accumulate points between 2 to 80 (based on the non-grouped cards).

To learn more about the game, you can visit the “How to play” section on the website.

Question 55

What is a Joker and what are wild cards/wild jokers?

Accepted Answer

One of the most important cards in a game of rummy, Jokers can fit in anywhere. They help you create impure sequences, and sets. A joker can be used as a substitute to any card. There are two types of jokers in a game of rummy - a printed joker - a card on which 'Joker' is clearly mentioned, and a wildcard joker.

Wildcard Joker

At the start of each deal, a card is picked randomly as the wildcard joker. This card is kept in an open position at the bottom of the closed deck. For eg. if 5 of hearts is selected to be the wildcard joker, then 5 of all suits will be considered jokers. A wildcard joker can also be used to form a pure sequence if it fits the pure sequence criteria.

Printed Joker

A card on which it says 'Joker' is a printed joker. A deck of cards has 2 printed jokers. In rummy, you can use it to create impure sequences, and sets.

Note: If the printed joker card is selected as a wildcard joker, then all Aces are jokers.

Question 56

What is Pick and Discard in Rummy?

Accepted Answer

On their turn, each player picks a card from the open or closed deck and discards a card from their group of cards.

Question 57

How do we Deal/Distribute Cards in rummy?

Accepted Answer

Each player gets 13 cards at the start of a game. On your turn, you have to pick a card from the open or closed deck and discard a card. The distribution of cards is done through an RNG system which ensures unbiased shuffling and fair gameplay.

Question 58

What is a Drop in Rummy?

Accepted Answer

“Drop” can be used to minimise losses. It is a strategic move when you don’t feel confident about your group of cards. There are 2 types of “drop”:

First drop: You drop without playing a single turn. Based on the format you’re playing, you accumulate certain points. For eg. in Points rummy, you will accumulate 20 points, and in Pool 61, you will accumulate 15 points.

Middle drop: You drop after playing at least 1 turn. Here, the points accumulation is double than that of the first drop.

Please note that there’s a penalty involved when it comes to dropping your cards.

	Pool 61	Pool 101	Pool 201	Points	Deals
First Drop	15 Points	20 Points	25 Points	20 Points	20 Points
Middle Drop	30 Points	40 Points	50 Points	40 Points	40 Points

Question 59

What is an Invalid Declaration?

Accepted Answer

This is something even the best players fear. When a player declares his/her cards and they do not meet any one or all of the following conditions, it is known as an invalid declaration:

Not having a pure sequence.
Not having 2 sequences.

When you make an invalid declaration, you accumulate “full points”. For eg. if it’s a Points game, the penalty for an invalid declaration is 80 points.

Question 60

What is the difference between Practice Games and Cash Games?

Accepted Answer

The rules of practice and cash games are the same, but there are a few key differentiators:

A practice game is free while a cash game requires a player to pay a “buy-in” amount.
You win chips in a practice game while you win real money in a cash game. The winnings depend on the format and the buy-in amount.

On TopRummy, you can play an unlimited number of practice games for free. Use these games to practice new strategies that you want to apply in cash games.

Question 61

What are Cash Tournaments?

Accepted Answer

There are two types of tournaments on TopRummy - cash tournaments and free tournaments. Cash tournaments are the ones where you have to pay a certain ”Buy-in” amount or use a tournament ticket to enter.

To participate in cash tournaments:

Open the TopRummy app and click on the 'Tournaments' tab.
There are many types of cash tournaments - Sit N Go, Points, Deals, Millionaire Series, etc.
Browse through the details of tournaments and choose the one you want to participate in.
Click on the 'Join Now' button to register for the tournament and wait for it to start.
You can enter a tournament by using a ticket as well. You can win a ticket either through a smaller tournament or through promotional activities like scratch card, spin the wheel, etc.

Question 62

What are free tournaments?

Accepted Answer

Free tournaments are free to play. There’s no “Buy-in” or ticket required. To participate in free tournaments:

Open the TopRummy app and click on the 'Tournaments' tab.
Click on the 'Free tourney' section to view all free tournaments.
Browse through the details of tournaments and choose the one you want to participate in.
Click on the 'Join Now' button to register for the tournament and wait for it to start.

Question 63

What is RNG?

Accepted Answer

RNG is the acronym for Random Number Generator. TopRummy uses an RNG software to ensure random shuffling and unbiased distribution of cards. No one on the table of a game knows what cards they are going to get, even TopRummy doesn’t know that. This ensures that all the games are fair for everyone.

Question 64

What are some probabilities in the card game of rummy?

Accepted Answer

Rummy is a game of skill. You have to keep probability in mind on every turn of yours. For eg. It's great to keep open-ended cards rather than looking out for a single card.

Let’s assume you have 9,10 of hearts, and 6,8 spades. Now, when your turn comes, discarding the 8 of spades will be the most beneficial move for you if we see it from the lens of probability. Here’s why:

You need a 7 of spades to complete the sequence of 6,7,8. This means there’s only 1 card that can help you out.
An 8 of hearts or a jack of hearts will let you complete the sequence of 8,9,10 or 9,10,J. This means there are 2 cards that can help you out.
The probability of creating a sequence with 9,10 of hearts is double than the probability of creating a sequence with 6,8 of spades.

There are more ways to use probability in the game. You will get to know about them once you start playing.

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