These Terms and Conditions govern your use of the Lucky 98 platform. Please read them carefully before creating an account or placing any bets. By registering, you confirm that you have read, understood and agreed to all terms set out below.
Last updated: January 2026
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Player", "User", "you") and Lucky 98 ("Platform", "we", "us"). The Lucky 98 platform operates at lucky98.onl and provides online casino, live casino, bingo, VIP gaming and related entertainment services.
By accessing the Lucky 98 platform, creating an account, making a deposit, claiming a bonus or participating in any game or promotion, you confirm that you have read these Terms in full and agree to be bound by them. If you do not agree to any part of these Terms, you must not use the platform.
Lucky 98 reserves the right to modify, update or replace these Terms at any time. When material changes are made, registered players will be notified. Continued use of the platform after any changes have been published constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.
If you have questions about these Terms, contact Lucky 98 support before creating an account. Support is available 24/7 and can clarify any point in plain language.
The Lucky 98 platform is available exclusively to individuals who meet all of the following eligibility requirements:
Lucky 98 may require identity verification at any stage of the player relationship — at registration, before processing a withdrawal or at any point where the platform deems verification necessary. Failure to provide requested verification documents within the stated timeframe may result in account suspension or withdrawal delays.
All personal information submitted to Lucky 98 must be accurate and kept up to date. Players are responsible for updating their account details if any information changes after registration. Lucky 98 accepts no liability for issues arising from outdated or inaccurate player information.
Creating multiple accounts — whether under the same name, different names, shared devices or shared payment methods — is strictly prohibited. Where duplicate accounts are identified, Lucky 98 reserves the right to close all associated accounts, void any pending withdrawals and forfeit any bonus balances. Players found operating multiple accounts will be permanently banned from the platform.
Lucky 98 is strictly for adults aged 18 and over. If Lucky 98 determines that an account was created by a person under 18, the account will be closed immediately and all funds will be handled in accordance with applicable procedures.
Lucky 98 accepts deposits exclusively in Pakistani Rupees (PKR). The platform supports the following deposit methods: JazzCash, Easypaisa, Raast, bank transfer, debit card and compatible mobile wallets. All transactions are processed in PKR and there is no currency conversion at any stage.
The minimum deposit amount at Lucky 98 is PKR 200. There is no processing fee charged by Lucky 98 for standard deposits. Third-party fees levied by your payment provider are outside Lucky 98's control and are the player's responsibility.
JazzCash and Easypaisa deposits typically confirm within seconds of mobile app approval. Raast and bank transfer deposits may take up to one business day to reflect in your Lucky 98 balance depending on your bank's processing times. Debit card deposits are generally processed within a few minutes.
You are responsible for ensuring that all funds deposited into your Lucky 98 account are legitimately yours. Lucky 98 does not accept deposits made using funds belonging to a third party. Where deposits are made from payment methods not registered to the account holder, Lucky 98 reserves the right to hold or return the deposit pending investigation.
All payment connections at Lucky 98 use encrypted protocols. Your financial details are not stored in plain form on the platform. Transactions are processed securely from initiation to confirmation.
Withdrawal requests at Lucky 98 are processed to the same payment method used for the player's most recent deposit, where technically possible. Withdrawals are issued in PKR only and are credited directly to your JazzCash wallet, Easypaisa account, bank account or registered debit card as applicable.
Mobile wallet withdrawals (JazzCash, Easypaisa) are typically processed within the same business day for requests submitted before the daily processing window. Bank transfer withdrawals may take one to three business days depending on your bank. Debit card withdrawals are generally processed within two to five business days.
The minimum withdrawal amount is PKR 500. Standard maximum withdrawal limits apply per transaction and per day. Players enrolled in the VIP programme have access to elevated withdrawal limits as detailed in the VIP section below.
To submit a withdrawal request, your account must be verified. Where account verification has not been completed, withdrawals will be held until all required documents are submitted and reviewed. Lucky 98 reserves the right to request additional verification before processing any withdrawal if it deems this appropriate for security or compliance purposes.
Bonus balances that have not met the applicable wagering requirements cannot be withdrawn until those requirements are fulfilled. Real money balances and qualifying bonus balances that have cleared wagering are withdrawable subject to the limits stated above.
Lucky 98 offers bonuses and promotions to both new and existing players. All bonuses are subject to specific terms that will be clearly communicated at the time the bonus is offered. These general bonus terms apply to all promotions unless a specific promotion states otherwise.
Most bonuses at Lucky 98 carry a wagering requirement — a multiplier that must be applied to the bonus amount (or bonus plus deposit amount, as specified) before the resulting balance becomes withdrawable. For example, a bonus subject to a 30x wagering requirement on a PKR 1,000 bonus requires PKR 30,000 in qualifying game play before withdrawal is permitted.
Different game types contribute different percentages toward wagering requirements. Slot games typically contribute 100%. Live Casino table games and classic table games contribute a lower percentage as stated in the specific bonus terms. Games with very low house edges may contribute 0% toward bonus wagering.
All bonuses at Lucky 98 carry an expiry period from the date of issue. If the wagering requirement is not completed within the stated period, the bonus balance and any winnings attributed to it will be forfeited. The player's real money balance is not affected by bonus expiry.
Lucky 98 monitors bonus activity for patterns consistent with bonus abuse, including but not limited to: using bonuses in a manner designed to guarantee profit regardless of outcome, creating multiple accounts to claim bonuses repeatedly, or coordinating with other players to exploit promotional structures. Where bonus abuse is identified, Lucky 98 reserves the right to void the bonus, withhold associated winnings and close the account.
Always read the specific terms attached to any bonus or promotion before claiming it. Wagering requirements, game restrictions, time limits and maximum win caps vary by promotion.
All casino games available on the Lucky 98 platform operate using certified Random Number Generator (RNG) technology. This ensures that every spin, card deal, dice roll and game outcome is statistically independent and cannot be predicted or manipulated by any party, including Lucky 98 itself.
Each game on the Lucky 98 platform publishes its theoretical Return to Player percentage in the game information panel. RTP figures represent the statistical expected return to players over a large number of game rounds and do not guarantee individual session outcomes. Lucky 98 does not alter published RTP values.
In the event of a technical fault, disconnection or game malfunction during an active round, the round may be voided and the stake returned to your account balance. Lucky 98 makes every reasonable effort to resolve technical issues promptly, but accepts no liability for losses resulting from circumstances beyond its control, including internet connectivity issues on the player's side.
Live Casino games are streamed in real time from professional studio environments. The same RNG fairness principles do not apply to live dealer games — outcomes are determined by physical game elements (cards, roulette wheel, etc.) in the studio. Lucky 98 uses reputable live game providers whose studios are independently audited. Players must maintain a stable internet connection to participate in live games; Lucky 98 is not responsible for disconnections that affect live rounds.
Bingo draws at Lucky 98 are conducted using certified random draw systems. All players purchasing tickets for the same Bingo game are entered into the same draw. Prizes are distributed according to the rules published for each specific Bingo room. In the event of a dispute over a Bingo result, the platform's draw records are the definitive reference.
The Lucky 98 VIP Programme rewards players who engage consistently with the platform. VIP status is assigned at Lucky 98's discretion based on a combination of deposit activity, wagering volume and platform engagement over time. There is no fixed threshold that automatically triggers VIP status.
VIP benefits may include elevated withdrawal limits, cashback on net losses, access to exclusive promotions, higher wagering limits on selected games and priority customer support. The specific benefits available at each VIP level are communicated directly to qualifying players. Lucky 98 reserves the right to adjust, modify or remove VIP benefits at any time, with reasonable notice provided where possible.
VIP status is not transferable between accounts or players. Abuse of VIP benefits, including but not limited to attempting to exploit cashback structures or coordinating VIP promotions with other players, will result in VIP status being revoked and may result in account closure.
Lucky 98 is committed to promoting responsible gaming. Gaming should be an enjoyable form of entertainment, not a means of generating income or resolving financial difficulties. All players are encouraged to set personal limits before they begin playing and to stick to those limits regardless of session outcomes.
Lucky 98 provides the following responsible gaming tools within the account settings panel:
Players who believe their gaming behaviour may be causing harm to themselves or others are strongly encouraged to use these tools and to seek support. Lucky 98 staff will never pressure players to continue playing or to reverse responsible gaming restrictions.
Gaming is for adults aged 18 and over. Set a budget before you play. Do not chase losses. Take regular breaks. If gaming stops being fun, stop playing and use the self-exclusion tool. For more guidance, visit our Responsible Gaming page.
Lucky 98 collects and processes personal data as described in the Privacy Policy. By registering an account, you consent to the collection and use of your personal data in accordance with that policy. Lucky 98 does not sell personal data to third parties.
Player account data, transaction records and communication history are retained for as long as your account is active and for a reasonable period thereafter in accordance with standard data retention practices. You may request access to, correction of or deletion of your personal data by contacting Lucky 98 support, subject to the platform's legal and operational obligations.
Lucky 98 uses cookies and similar technologies to improve platform performance and personalise your experience. By continuing to use the platform, you consent to the use of cookies as described in the Privacy Policy.
Players using the Lucky 98 platform are expected to behave in a manner that is respectful to other players, to Lucky 98 staff and to the platform itself. The following conduct is strictly prohibited and may result in account suspension or permanent closure:
Lucky 98 reserves the right to investigate any account activity that appears unusual or inconsistent with normal player behaviour. During investigation, withdrawals may be temporarily held pending the outcome. Players found to have violated the conduct rules will have their accounts closed and any disputed funds handled at Lucky 98's discretion.
Lucky 98 reserves the right to suspend or close any player account at its discretion, with or without prior notice, in circumstances including but not limited to:
Where an account is closed due to a breach of these Terms, any balance remaining in the account will be handled at Lucky 98's discretion. Bonus balances and associated winnings are subject to forfeiture in the case of rule violations. Real money balances belonging to verified, compliant players will generally be returned via the original deposit method after investigation is complete.
Players wishing to voluntarily close their account may contact Lucky 98 support at any time. Voluntary account closure requests will be actioned within a reasonable timeframe. Once an account is closed at a player's request, it may be reopened subject to Lucky 98's standard verification process.
Lucky 98 reserves the right to amend, update or replace these Terms and Conditions at any time. Material changes will be communicated to registered players via in-platform notification or email to the address registered on the account. The date of the most recent update is shown at the top of this page.
It is the player's responsibility to review these Terms periodically and to stay informed of any changes. Continued use of the Lucky 98 platform after updated Terms have been published constitutes acceptance of those changes. If you do not agree with any updated Terms, you must cease using the platform and may request account closure.
For any questions about these Terms and Conditions, Lucky 98 support is available 24/7. You can reach the support team through the platform's support channel. We are happy to explain any section of these Terms in plain, straightforward language.
Clear rules make for a better platform. Here is what the Lucky 98 Terms and Conditions are actually designed to do for you as a player.
The withdrawal and deposit rules exist to ensure that your PKR balance is handled securely and returned to you accurately. Lucky 98 does not hold legitimate player funds without cause.
The conduct and anti-abuse rules protect honest players from those who would exploit loopholes. Certified RNG technology ensures every game result is genuinely random for every player.
Wagering requirements and bonus conditions are published clearly so you know exactly what you are accepting before you claim anything. No hidden catches buried in small print.
Privacy terms ensure your personal and payment information is handled with care — encrypted in transit, not sold to third parties, and accessible to you at any time through your account.
Self-exclusion, deposit limits and spend tracking tools are part of the platform by design. The Terms back up your right to use these tools without pressure or delay.
24/7 support means there is always someone available to explain a term, resolve a payment query or help with account issues. Lucky 98 support does not read from a script — they actually help.
Create your account in under two minutes, deposit via JazzCash or Easypaisa in PKR, and start playing 500+ casino and live casino games with full confidence in how the platform works.