The meaning of heart cards can vary depending on the meld requirements & scoring systems used in games like Indian Rummy and Gin Rummy. In Gin Rummy, for example, top rummy appsplayers try to minimize deadwood (unmatched cards) while forming sets and runs. In this case, keeping high-value heart cards can be beneficial because, when melded, they greatly increase your total score. On the other hand, games like Kalooki Rummy add more complexity through the use of special melding rules and wild cards.