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Top 5 Scratch Cards with the Highest RTP

Last updated: 08.11.2025
Emily Thompson
Published by:Emily Thompson
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Gone are the days when players had to find a local shop or gas station to buy scratch cards. Today, you can play these exciting games of chance remotely in online casinos using your mobile phone or computer, right here in India.

But when choosing these lottery cards, the Return to Player (RTP) plays a crucial role. Ideally, the best lottery tickets should offer players an RTP of no less than 96%, meaning you can expect to win more often. So, in this article, you will discover the best scratch card games with the highest RTP available for Indian players.

Microgaming’s Lucky Numbers – 96.57% RTP

Lucky Numbers by Microgaming is one of the best scratch cards to play, boasting an impressive 96.57% RTP. In this instant-win game, players need to match at least three random digits to scoop a multiplier prize. The scratch card is divided into two sections: Game 1 features the base game action, while Game 2 unveils the thrilling bonus round.

Players will try to hit a gong, and if the lucky number is 8, they win a payout. Lucky Numbers offers the chance to win anywhere from 28x to a massive 8,888x your stake, making it a standout choice among online scratch cards.

Microgaming’s Whack a Jackpot – 96.30% RTP

Here's another scratch card game from Microgaming with a favourable RTP. In Whack a Jackpot, you begin by placing your bet before hitting the “New Card” button to start playing. Moles will pop out of their holes, and you can win a multiplier prize if you successfully 'whack' any of them.

Here's how you can win in this online scratch card:

  • Match three symbols with the successful strikes to win a payout.
  • Players can win up to 10,000x the stake.
  • Activate the bonus rounds by collecting enough scatter symbols.

Mecca Bingo’s Wish Upon a Jackpot – 96.06%

Sometimes, playing a scratch card without the traditional 3x3 game board can be refreshing. Mecca Bingo’s Wish Upon a Jackpot offers this while maintaining the conventional feeling of scratching off cards.

This game teleports players to a world of fairy tales where symbols like the Gingerbread man, Puss in Boots, and Frog Prince can be highly rewarding. Wish Upon a Jackpot also has a bonus game where the Godmother can randomly appear to create bigger cash prizes.

Blueprint Gaming’s Pig Wizard – 95.82%

Although the RTP is slightly below the industry standard, Pig Wizard is still one of the best scratch cards online. It’s a hilarious 3D game in which the pigs in robes can simultaneously cast spells, curses, and blessings.

The pig wizard with a star-covered robe is the premium symbol on this scratch card, rewarding gamers with 100x the stake for finding at least three of them. This will also unlock a virtual game, where you’ll throw a virtual dice and increase your odds for bigger payouts.

NextGen’s Merlin’s Millions – 95.17%

NextGen Gaming is more popular for its exciting online slots than scratch cards. But this one is also worth playing. Merlin’s Millions follows the tale of King Arthur’s trusted wizard who casts his magic to help players win the $250,000 jackpot.

  • Run the game and scratch off the nine boxes on the grid.
  • Win a payout if you match at least three matching symbols.
  • The paying symbols include Merlin himself, orbs, owls, and spell books.
  • You can play this magic-themed game for $0.20 to $200.

Conclusion

If friendly RTP rates top your priority, these are the best online scratch cards, because they have some of the highest RTP rates you can find at top online casino sites. But remember that scratch cards are luck-based games, meaning no strategy can increase the theoretical RTP. So, have fun without any expectations of achieving a big win.

FAQ

Which Online Scratch Card is Best?

When choosing a scratch card, players must consider the RTP (return to player) value, meaning Lucky Numbers by Microgaming is often considered a top choice. However, a higher RTP doesn’t guarantee frequent wins because the game results are 100% random.

Why is RTP Important for Scratch Cards?

The RTP determines the maximum amount players can expect to win back from a ₹100 bet over the long run. So, if the RTP is 96%, the expected payout would be ₹96. In short, a higher RTP means more expected returns over time.

How Do I Find Scratch Cards with the Highest RTP?

Refer to the list on OnlineCasinoRank to play scratch card games with at least 96% RTP. Alternatively, always check the paytable before playing these cards to know the expected return to player rate.

Are Scratch Cards with High RTP More Expensive to Play?

No, bet limits often depend on the game developer and not directly on the RTP. So, always check the paytable of a card to know the bet limits before playing.

Can I Win More Money Playing Scratch Cards with a High RTP?

This depends on the game developer and the specific game's maximum payout. For instance, in some games, you might win more playing NextGen’s Merlin Millions than Blueprint Gaming’s Pig Wizard, even if RTPs are similar. Therefore, always confirm the maximum payout on the paytable.

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