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Cashback Blackjack: Our Review, How and Where to Play

Playtech by Playtech

Cashback Blackjack Live by Playtech is an online live dealer blackjack game released in 2021. It boasts an RTP of 99.56% with a minimum bet of $1 and a $1,000 maximum wager. The game is available on both desktop and mobile and presents an exciting new online blackjack variant.

Cashback Blackjack has already existed for a few years, but it was largely unavailable at live casinos. There’s an RNG version, for instance. However, live dealer Cashback Blackjack has never been attempted before, so we’re quite excited to bring you this review.

Cashback Blackjack
  • Excitement
  • Design & Sound
  • Streaming Quality
  • Interactivity
  • Win Potential

Live Cashback Blackjack Review

Game Specifications
Game nameCashback Blackjack
Game providerPlaytech
Game typeBlackjack
Streaming from Latvia
Bet range€1 - €1000
Max win2,000:1
Side betsYes
Supported platforms Android Apple Desktop Mobile Tablet Windows
Supported OS Android Apple Windows
Languages Czech Czech Dutch Dutch English English French French German German Greek Greek +8
All supported languages
  • Czech Czech
  • Dutch Dutch
  • English English
  • French French
  • German German
  • Greek Greek
  • Hindi Hindi
  • Hungarian Hungarian
  • Italian Italian
  • Polish Polish
  • Portuguese Portuguese
  • Russian Russian
  • Slovak Slovak
  • Spanish Spanish

Cashback Blackjack opens with a fairly simple premise – players can opt to “take their money and run” at any moment by accepting dynamic payout odds. It sounds similar to Surrender, except that you can use it at any moment during a round. This option comes with some unique strategic considerations which we’ll get into further down.

This newest Playtech live blackjack table is one of the more exciting releases of the year. We enjoy it for two simple reasons. Firstly, it actually impacts the way you play the game. Players have an additional option at all times, which profoundly impacts the player experience. In other words, this isn’t just any old live blackjack game. However, the core concept and spirit of the game of 21 is still in place. Playtech Cashback Blackjack is different, but not so different to deter fans of the classic casino card game.

Moreover, the game comes packed with no less than 6 side bets. You’ll have more options than you’ll know what to do with. Currently, however, it’s only available in Italian native-speaking tables. We’re sure we’ll be able to play Cashback Blackjack in English soon enough, though.

Key Highlights

CashBack option with dynamically changing odds for instant payouts.
No less than 6 different side bets.
Streamed from Playtech’s Italian-themed studio in full HD.
Player-friendly rules and an above-average RTP rate of 99.56%.
Common Draw rules for an unlimited number of seats per table.
Low minimum wager of $1.

How to Play Live Cashback Blackjack

Cashback Blackjack combines several ideals to make one of the more interesting new blackjack games out there.

First of all, it’s played with Common Draw rules. This means that all players at a given table share the same hand. However, all player decisions are completely independent. For instance, you can choose to Stand while someone else decides to Hit. In that case, your hand will be locked and any following cards will not affect the outcome for you.

Whenever the dealer hands the players a card, they’ll place it in a compartment on the table. The players will then see a computer-generated image only of cards that affect their hand as per the decisions they made.

This way of doing things offers several advantages over classic 7-seat blackjack. Minimum bets are much lower, and you won’t have to worry about available seats.

The basic gameplay here is identical to most other top live blackjack games. Your goal is to get as close as possible to 21 without going over.  You have the option to Hit for another card or Stand if you don’t want one. Splitting is available if you have two cards of the same rank. Double draws one more card and then Stands. You can double on any hand total, and doubling is allowed after splitting. This is an eight-deck variant, and the dealer must draw to 16 but stand on any 17.

What is Cashback in Blackjack?

This brings us to the Cashback option and the game’s defining feature.

Essentially, Cashback allows you to surrender your hand and take some money back. The current offer depends on the circumstances of your hand. It dynamically changes if you opt to draw more cards, for example.

Strong hands get a bigger payout, allowing you to cut out any additional risk and just take cash. In contrast, relatively weak hands offer a Cashout that’s lower than your initial stake. However, this allows you to cut your losses and avoid completely losing the stake.

Strategically speaking, Cashout is similar to Surrender. However, Surrender can only be made on the initial deal if the dealer is showing Ace and it always pays half the stake. The Cashback decision can be made at any point, and the payout constantly changes.

Live Casino Best Tips for Cashback Blackjack Live

  • Basic Blackjack strategy charts should still be followed. Most of the time, Cashback should simply be used if the strategy chart dictates you use Surrender.
  • However, since the two features are not identical, that’s not always the case. There are countless possibilities with combinations of Cashback offers and current hands. Figuring out which ones are worth taking is key to Cashback Blackjack strategy.
  • However, remember to not overdo it. If you use Cashback at every turn, you’ll quickly see your bankroll drained.

Live Cashback Blackjack Payouts

As mentioned previously, the cashback option doesn’t come with a fixed payout. However, everything else like Blackjack and Insurance is industry-standard, as per the payout table below. Cashback Blackjack side bets have a more complex payout system. This also means that they’re a bit of a mixed bag when it comes to RTP, though.

Bet/Number of Cards/ Hand/Side Bet ValuesPayout
Playtech Cashback Blackjack Paytable
Winning Hand1.1
Buster Side Bet Payouts
3 - 42:1
8 or more250:1
7+ Player Blackjack800:1
8 or more + Player Blackjack2,000:1
Top 3 Side Bet Payouts
Three of a Kind90:1
Straight Flush180:1
Suited Three of a Kind270:1
Lucky Lucky Side Bet Payouts
Any 19 or 202:1
Suited 2115:1
Suited 678100:1
Suited 777200:1
21+3 Side Bet Payouts
Three of a Kind90:1
Straight Flush180:1
Suited Three of a Kind270:1
Player/Dealer Perfect Pair Side Bet Payouts
Mixed Pair6:1
Colored Pair12:1
Perfect Pair25:1

Playtech Cashback Blackjack RTP is 99.56% thanks to the surrender-like feature and player-friendly rules. Of course, this assumes you’re using optimal blackjack strategy, which includes using Cashback only at the right time for it.

Also, the RTP of the various side bets can be vastly different:

  • Buster: 93.87%
  • Top 3: 91%
  • Lucky Lucky: 96.10%
  • 21+3: 96.30%
  • Player/Dealer Perfect Pair: 95.90%

New to Live Blackjack?

Special Features

The Cashback Playtech game comes with a wide array of side bets. Combined with the cashback call, there are quite a few options available. To be fair, though, these side bets are not exactly optimal strategic choices. If you take a look at the RTP rates we listed above, you’ll easily see why. This is especially true for Buster and Top 3 blackjack side bets, which offer an abysmal RTP.

Still, let’s take a look at how Cashback Blackjack works as far as the side betting options are concerned.

  • Buster wins if the dealer busts, which means they go over 21. The payout of this side wager depends on how many cards the dealer draws before going over 21. Additionally, winning with Blackjack may further increase your winnings.
  • Top 3 is like a simpler, riskier version of 21+3. It pays if your initial 2 cards and the dealer’s upcard make Suited 3 of a Kind, Suited Flush, or 3 of a Kind. Essentially it’s a riskier version of 21+3 with bigger payouts.
  • Lucky Lucky simply pays out if your hole cards and the dealer’s upcard have specific card values. Refer to the Lucky Lucky side bet paytable above for more details.
  • 21+3 is a common blackjack side bet that uses your hole cards and the dealer’s up card to make 3-card poker hands. The stronger the hand, the bigger the payout.
  • Perfect Pairs win if your first two cards form a pair, with bigger payouts for colored or identical pairs. The Dealer variant works similarly, except it looks at the dealer’s first two cards.

You can place any of these wagers independently of the main bet, and they can win regardless of its outcome.

As always with Playtech live casino games, Cashback Blackjack comes with features like live chat and audio settings. All of these are available on the panel to the left.


  • As of the writing of this Playtech Cashback Blackjack review, the game is only available in Italian native-speaking tables. Of course, you can still play it by setting the UI to your preferred language. Understanding the dealer’s speech is not strictly necessary – the UI displays all relevant info clearly enough.
  • Currently, Cashback Blackjack language options include English, Czech, Dutch, French, German, Greek, Hungarian, Italian, Polish, Portuguese, Romanian, Spanish, Russian, Mandarin, Hindi, and Slovak.

Our Verdict of Live Cashback Blackjack

Blackjack with Cashback is a strong addition to the already comprehensive Playtech live casino portfolio.

The cashback feature is a minor innovation in the grand scale of things, however. Especially when you account for the fact that it’s best used simply as the standard Surrender. However, it puts a nice spin on the same-old formula of live casino blackjack.

The side bets are a bit iffy at times, but that’s usual for most betting options. However, the Cashback Blackjack game also earns points in our book for the presentation. The sleek, classy Italian-speaking studio looks great, and the stream is of top-notch quality.

If Playtech ever decides to introduce English-speaking tables, we’re sure the game would be a hit.

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Cashback Blackjack is an online blackjack game that comes with the added option to Cash Out at any point during your turn. This decision will pay out a certain amount to the player depending on the other cards on the table. In 2021, a live dealer Cashback Blackjack version was released by Playtech.
Cashback Blackjack is an online blackjack game that comes with the added option to Cash Out at any point during your turn. This decision will pay out a certain amount to the player depending on the other cards on the table. In 2021, a live dealer Cashback Blackjack version was released by Playtech.
Cashback Blackjack works like any other kind of live online blackjack. The player can hit, stands, double, or split to get as close to 21 as possible without going over. The only major difference is the existence of an additional Cashback option. Using this option instantly ends the round and pays cash to the player, the amount depending on the context of the given round. Check out the How to Play section of this review for more details.
The payout for natural blackjack win is the industry-standard odds of 3:2.
Unfortunately, this game is not yet available at all Playtech-powered live casinos. However, we’re positive that you can currently access the game on the Casino Palace live casino.
Top 3 is a simple side bet that’s similar to 21+3. Essentially, players can get a massive payout if their initial 2 cards and the dealer’s upcard show Three of a Kind, Suited Flush, or Suited Three of a Kind. It’s a very risky bet but the payouts are potentially huge, going up to 270:1.
The RTP of the main bet is 99.56%, which means the Playtech Cashback Blackjack house edge is 0.44%. However, this calculation assumes you’re playing with the optimal strategy for Cashback Blackjack. Also, the house edge is much higher for the side bets.

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