These are the rules that govern your use of lucky98. They're written to be readable, not deliberately confusing — please take a few minutes to go through them before you start playing. By registering an account on lucky98, you agree to everything set out below.
The six most important things to understand about using lucky98
lucky98 is strictly for adults aged 18 and above. Registration is not permitted for minors and lucky98 reserves the right to verify age at any time. Accounts found to belong to underage users will be immediately closed and any funds returned after verification.
Each player may hold exactly one lucky98 account. Duplicate accounts — whether under your own name or using a family member's identity — are strictly prohibited. If lucky98 detects multiple accounts linked to the same person, all accounts may be suspended and balances forfeited.
lucky98 operates entirely in Pakistani Rupees. Deposits, wagers, winnings, and withdrawals are all denominated in PKR. No currency conversion takes place at any stage. Accepted payment methods include Easypaisa, JazzCash, NayaPay, SadaPay, IBFT bank transfer, and Visa/Mastercard debit cards.
All bonuses and promotional offers on lucky98 are subject to wagering requirements and specific terms that are published alongside each offer. Attempting to abuse bonuses — creating multiple accounts to claim the same bonus, or using bonus funds in a pattern that amounts to low-risk hedging — will result in bonus cancellation and potential account suspension.
lucky98 uses automated systems to detect irregular betting patterns, suspected match-fixing, collusion in poker or card games, and other forms of fraudulent activity. Any account found engaging in fraudulent activity will be permanently closed, and any winnings obtained through fraudulent means will not be paid out.
lucky98 takes responsible gaming seriously. Players may set deposit limits, loss limits, and session time controls at any time from account settings. Self-exclusion is available with no questions asked. lucky98 may restrict or close accounts at its own discretion if it believes a player is experiencing harm from gambling.
Please read carefully. These Terms and Conditions constitute the legal agreement between you and lucky98. By creating an account or placing any bet on lucky98, you confirm that you have read, understood, and agreed to these terms in full. If you do not agree, please do not use the platform.
These Terms and Conditions ("Terms") apply to all use of the lucky98 platform, including the website lucky98.ws and any associated mobile-optimised interface. By accessing lucky98, registering an account, depositing funds, or placing any bet or wager, you agree to be legally bound by these Terms.
These Terms should be read alongside lucky98's Privacy Policy and Responsible Gaming Policy, both of which form part of the overall agreement between you and lucky98. Where any conflict exists between these documents, these Terms take precedence unless explicitly stated otherwise.
lucky98 reserves the right to amend these Terms at any time. Changes will be communicated to registered players via the email address on file or via a notice on the platform. Your continued use of lucky98 after any such notification constitutes acceptance of the updated Terms. If you disagree with any amendment, you should stop using lucky98 and request the closure of your account.
Plain language summary: Using lucky98 means you agree to these rules. They can change — we'll let you know when they do. If you don't agree, you can close your account.
To open a lucky98 account and use the platform, you must meet all of the following eligibility requirements:
lucky98 may request identity verification at any time, including at the point of registration, before a withdrawal is processed, or during an ongoing review of account activity. Acceptable verification documents include a valid Pakistani CNIC, a valid passport, or other government-issued photo identification. Failure to provide requested verification documents within a reasonable time frame may result in account suspension and the withholding of withdrawals until verification is complete.
Each person is permitted to hold only one lucky98 account. Opening multiple accounts — whether to access multiple first-deposit bonuses, circumvent account restrictions, or for any other reason — is strictly prohibited. lucky98 uses multiple data points including device identifiers, payment method details, and IP addresses to identify duplicate accounts. Where duplicates are found, all associated accounts will be closed.
Register once, with accurate information, and you'll never have a problem. It's as simple as that.
You are fully responsible for maintaining the confidentiality of your lucky98 login credentials — your username, password, and any two-factor authentication codes. lucky98 strongly recommends using a unique password that is not used for any other service, and enabling two-factor authentication where available.
Any activity that occurs on your lucky98 account using your correct login credentials is your responsibility, regardless of whether you personally authorised that activity. Sharing your account access with another person — including a family member or friend — is not permitted and any resulting bets, deposits, or withdrawals are considered yours.
If you suspect that your lucky98 account has been accessed without your authorisation, you must notify lucky98 support immediately via live chat or email at support@lucky98.ws. lucky98 will investigate and, where appropriate, temporarily freeze the account pending resolution. lucky98 cannot be held responsible for losses incurred due to unauthorised access that resulted from your failure to adequately protect your credentials.
lucky98 accepts deposits in Pakistani Rupees (PKR) via the following methods: Easypaisa, JazzCash, NayaPay, SadaPay, IBFT bank transfer, and Visa/Mastercard debit cards. All deposits are credited to your lucky98 wallet in PKR at face value — there is no currency conversion and no deposit fee charged by lucky98.
The minimum deposit amount is Rs 200. There is no maximum on standard deposits, though individual payment providers may impose their own transaction limits, which are set by those providers and not by lucky98.
All payment methods used to deposit on lucky98 must be registered in your own name. lucky98 does not accept deposits from third-party payment accounts. If a deposit is received from a payment method not belonging to the account holder, lucky98 reserves the right to return the deposit and suspend the account pending investigation.
Deposits made in error — for example, sending more than intended — can be raised with lucky98 support, but lucky98 cannot guarantee refund of deposits where funds have already been wagered. Chargebacks initiated through your bank or payment provider against deposits made on lucky98 constitute a breach of these Terms and will result in immediate account suspension and potential legal action to recover the relevant funds.
Important: Never attempt a chargeback on a lucky98 deposit. If you have a problem, contact our support team first — most issues are resolved quickly.
Withdrawal requests from your lucky98 wallet are processed to the same payment method used for your most recent deposit, where possible. Withdrawals are available via Easypaisa, JazzCash, NayaPay, SadaPay, and IBFT bank transfer. The minimum withdrawal amount is Rs 500.
lucky98 targets a withdrawal processing time of under five minutes for Easypaisa and JazzCash transactions during normal operating conditions. Bank transfers via IBFT typically process within 15 to 60 minutes. These are target times, not guarantees — occasional delays may occur due to payment provider processing or during routine account review periods.
Before a withdrawal is processed, lucky98 may require completion of identity verification if it has not already been completed. This is a one-time requirement for most players and takes under five minutes once documents are submitted. Withdrawals will be held pending until verification is confirmed.
lucky98 reserves the right to withhold withdrawals if there is a reasonable suspicion of fraudulent activity, terms violation, or if the account is under investigation for any reason. In such cases, lucky98 will communicate the reason for the hold and the expected resolution timeline to the account holder via their registered contact details.
All sports bets placed on lucky98 — including PSL cricket betting, football betting, and virtual sports — are subject to the specific rules of the relevant sport and competition as published on the lucky98 platform at the time the bet is placed. In the event of any ambiguity, the rules as stated on the lucky98 platform at bet placement shall prevail.
lucky98 reserves the right to void any bet placed at odds that were published as a result of a technical error, a pricing mistake, or a manifest error of any kind. In such cases, the stake will be returned to the player's account. lucky98 will not pay out at odds that were clearly incorrect, regardless of whether the event has already concluded.
The minimum bet amount across all sports markets on lucky98 is Rs 50. Maximum bet limits vary by market and event and are displayed within the betting interface at the time of bet placement. lucky98 may reduce maximum bet limits for individual accounts at its discretion, particularly where betting patterns suggest professional or syndicate-level wagering activity.
In-play bets are accepted in real time and are subject to the live market conditions at the time of acceptance. lucky98 uses automated systems to manage in-play betting and reserves the right to suspend in-play markets at any time, including during critical moments of a match, without notice.
PSL betting at lucky98 covers every match from group stage to final. All PSL bets are settled using official match results as declared by the Pakistan Cricket Board.
All casino games available on lucky98 — including live dealer Baccarat, Teen Patti, Blackjack, Andar Bahar, Dragon Tiger, and crash games such as Aviator — are provided by licensed third-party game suppliers including Evolution Gaming, Pragmatic Play, Ezugi, and Spribe. The technical operation of these games, including the random number generation and dealing systems, is the sole responsibility of the respective provider and is subject to independent audit by that provider's licensing authority.
lucky98 does not modify or interfere with any game outcomes. All published RTP percentages are as certified by the relevant game supplier and are accurate at the time of publication. lucky98 cannot be held responsible for technical malfunctions within a game that are caused by the third-party provider's systems, though it will work with the provider to resolve any such issues and ensure affected players are treated fairly.
In the event that a game round is interrupted — whether by a disconnection on the player's side, a server issue, or a technical fault within the game itself — lucky98's policy is to credit any incomplete round back to the player's account at the point of last confirmed game state where this information is available. Players should report any suspected incomplete round via live chat as soon as it occurs.
lucky98 offers various bonuses and promotions to both new and existing players. Each bonus offer is accompanied by specific terms that are published alongside the offer at the time it is made available. These bonus-specific terms define the wagering requirements, eligible games, minimum odds conditions, time limits, and any withdrawal restrictions that apply to that particular offer.
General bonus rules that apply to all lucky98 promotions unless otherwise stated:
Bonus abuse — defined as using bonus funds in a calculated manner to extract value while minimising genuine risk, including through hedging strategies, arbitrage betting across accounts, or systematic exploitation of promotional structures — will result in the cancellation of the bonus and any associated winnings, and may lead to account suspension.
Bonuses at lucky98 are designed to give you more time playing the games you enjoy. Treat them as entertainment value rather than a guaranteed profit strategy and you'll always have a positive experience with them.
The following activities are strictly prohibited on lucky98 and will result in immediate account suspension and forfeiture of balances where applicable:
lucky98 maintains a zero-tolerance policy on all of the above. Where lucky98 has reasonable grounds to believe prohibited conduct has occurred, it may freeze the relevant account, withhold any withdrawals pending investigation, and report the matter to relevant authorities where required by law.
lucky98 reserves the right to suspend, restrict, or permanently close any player account at its discretion, with or without advance notice, in any of the following circumstances:
Where an account is closed due to a Terms violation, any remaining balance may be withheld pending investigation. Where an account is closed for any other reason and the player's identity has been verified, the remaining balance will be returned to the player's registered payment method within a reasonable time frame.
Players who wish to close their account voluntarily may do so at any time by contacting lucky98 support via live chat. Players who wish to self-exclude due to gambling concerns should visit the Responsible Gaming section where self-exclusion options are available without the need to contact support.
lucky98 is committed to responsible gaming and takes its obligations in this area seriously. The following tools are available to all registered players at no cost and can be accessed directly from account settings without needing to contact support:
If you believe you or someone you know may have a gambling problem, please visit the lucky98 Responsible Gaming page for detailed guidance and resources. lucky98 actively monitors for behavioural indicators associated with problem gambling and may reach out proactively or apply account-level protections where it considers this appropriate.
lucky98 collects, stores, and processes personal data in accordance with its Privacy Policy. By registering on lucky98, you consent to the collection and use of your personal information as described in that policy. Your data is used to operate your account, process payments, verify identity, detect fraud, and improve the lucky98 platform.
lucky98 uses industry-standard SSL encryption on all data transmitted between your device and the lucky98 platform. Player financial data is stored securely and is not shared with any third party beyond what is required for payment processing and legal compliance. lucky98 does not sell player data to marketing companies or data brokers.
To the fullest extent permitted by applicable law, lucky98 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to losses arising from:
In all cases, lucky98's maximum liability to any player in respect of any single claim shall not exceed the total amount deposited by that player during the 12 months preceding the event giving rise to the claim.
lucky98 reserves the right to update or amend these Terms and Conditions at any time. When changes are made, the updated Terms will be posted on this page with a revised "Last Updated" date. For material changes that significantly affect player rights or obligations, lucky98 will provide advance notice via email to the address registered on your account, or via a prominent notice on the platform, at least seven days before the change takes effect.
If you disagree with any amended Terms, you have the right to close your account and withdraw any available balance before the changes take effect. Continued use of lucky98 after the effective date of any change constitutes acceptance of the updated Terms.
If you have any questions about these Terms and Conditions, or about any aspect of the lucky98 platform, you can reach us through the following channels:
For responsible gaming support, self-exclusion requests, or to discuss account limits, please visit the Responsible Gaming page where many tools are available for immediate self-service use without needing to contact the support team.
These Terms were last reviewed and updated in January 2025. They apply to all lucky98 accounts, regardless of when the account was created. If you have any doubt about any clause, please contact lucky98 support before proceeding.
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