OBJECT OF QUITLOK: The object of Quitlok is to win bids.

NUMBER OF PLAYERS: 5 or more players

MATERIALS: A 24-card Quitli, also known as a Kvitlech, Deck, chips or money for bidding, and a flat surface.

TYPE OF GAME: Banking Card Game



Quitlok is a banking card game for 5 or more players. It is a beating game where players take turns becoming the bank. Players attempt to win bids by getting as close to 21 without going over as possible.

Antes, minimum, and max bids should be set into place before the game begins.


The dealer AKA the banker is random and passes to the right when the bank runs out of money or retires. The banker will first place their ante into the bank. They may place the minimum or more for the ante.

The banker will shuffle the deck and then deal each player a single face-down card, this includes the banker. Players may look at their cards if they choose, and the banker will need to if they plan to retire (see below). Hands are always done clockwise then anticlockwise then clockwise again back and forth till a new banker is appointed.

Card Ranking and Values

The cards include two cards of each numbered 1 through 12. There are four framed cards the two 2s and the two 11s.

Each card’s value is associated with its number. There are just two exceptions. A 12 can be played as a 12 or a 9, and if the first two cards you receive as a player are both framed, regardless of value, it counts as a hand value of 21 exactly.

The deck is not reshuffled until there is only one card remaining in the deck. This card is then shuffled with the thrown in cards from previous hands or players going bust.


If it’s the bankers first hand, we will start with the player to their left, then clockwise around the table. A player has three options on their turn. They may blot, bet, or stay. If blotting they receive another single card, this one faceup. If betting they place a place an amount of money, not exceeding what remains in the bank, and receive a card facedown. If you stay you end your turn and play with the cards you have.

On a player’s turn, they may blot or bet as many times as they wish until they either decide to stay or exceed 21 making them bust. If you only blot you can not win (or lose) any money this hand. Your cards will just be discarded facedown after your turn. if you place a bet the bank places an equal number of ante to match it.

Your turn can end a couple of ways. You can bust, meaning to exceed 21. This means you lose and discard your cards, any bets you had placed are won by the bank. You can get 21 exactly. When this happens, you show it to the banker, and you will win your beat plus the match amount from the bank immediately. Your final outcome is you choose to stay, you keep your cards and the amount you bet on the table, and the next player’s turn starts.

There is a special rule reserved for players on their turn. If their total ever reaches 11 exactly, they may call “11” before asking for another card. This protects them from busting. If they bust that card is discarded and they are dealt a new one.

The banker’s turn starts either when all players have busted or stayed, or if at the end of a player’s turn there is no more ante in the bank. If a player bets the maximum amount left in the bank they cannot exceed this any can no longer make any bets, though they may still blot till they wish to stay.

Banker’s Turn

Again, the Banker’s turn begins once all players have stayed or the bank is empty. of the bank is empty the outstanding bets need to be resolved before the game can continue where it left off.

When it is the bank’s turn, they can draw cards as many times as they would like from the top of the deck. A banker has no requirements to follow when making their hand except they may not exceed 21. Once the banker is satisfied with their hand, they will reveal it. All players with outstanding bets also reveal their hands. If the bank beats anyone in value they win their bets, and if anyone beats the bank, they get paid both their bet and the matched amount.

If the banker busts, they must pay all bets to all players.

If there is still money in the bank after bets are paid the bank takes a new card and the player’s turn continues as above. If the end of the hand was reached, a new round begins being played in the opposite direction to the last.

The Bank Changes

The bank can change either if it runs out of money or a player retires. If the bank runs out of money the round immediately ends and the next player to the right becomes the new banker. If a player wishes to retire, they must meet certain requirements.

When retiring the banker must have played three or more hands. Starting from the fourth round anytime the banker is dealt a card they may check to see if it is a 4 or a 7. If it is, you may immediately flip it over and retire. You take all the money in the bank and the next player to the right becomes the banker.


The game can be played as long as players wish it to, and players may join or drop out as they wish.

Amber Crook
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