Top cards is about accumulating points for your hand, similar to Black Jack or Pontoon. Each player receives exactly the same cards. You can request as many cards as you like. 2s to 10s count according to their face value, while the picture cards (Jack, Queen, King) count as 10 points and an Ace may count as either 1 point or 11 points. The closer you get to 21, the more points you are awarded.
If you get 21 exactly you get maximum points, but a word of caution: If you go over 21 you lose points! So be careful…should you look for another card on 16 points or not?