Top 5 Scratch Cards with the Highest RTP

Priya Sharma
Written byPriya SharmaWriter

Gone are the days when players had to walk into a local shop or gas station to buy scratch cards. Today, you can play these games of chance remotely in online casinos using your mobile phone or computer.

But when choosing these lottery cards, the return to player (RTP) has a crucial role. Ideally, the best lottery tickets should give gamers no less than 96%, meaning players can expect to win more often, although nothing is certain. So, in this article, you will learn the best scratch card games with the highest RTP.

Top 5 Scratch Cards with the Highest RTP

Microgaming’s Lucky Numbers – 96.57%

Lucky Numbers by Microgaming is one of the best scratch cards to win on, thanks to its 96.57% RTP. In this instant-win game, players must match at least three random digits to win a multiplier. The scratch card has two sections, with Game 1 housing the base game and Game 2 holding the bonus round.

Players are required to hit a gong and win a payout if the lucky number is 8. Lucky Numbers players can win anything between 28 and 8,888x the stake, making it one of the most rewarding online scratch cards.

Microgaming’s Whack a Jackpot– 96.30%

Here is another Microgaming scratch card game with friendly RTP value. In Whack a Jackpot, you start by placing a wager before hitting the “New Card” button to play. The moles will start coming out of their holes, where you can win a multiplier value if you hit any of them.

Below are the objectives of this online scratch card:

  • Match three symbols with the 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.


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.

About the author
Priya Sharma
Priya Sharma

Mumbai-born Priya is India's rising star in the realm of online casino guides. With a knack for fusing traditional Indian gaming narratives with cutting-edge digital dynamics, she's an essential bridge between classic and contemporary gaming for a vast Indian audience.

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Which Online Scratch Card is Best?

When choosing a scratch card, gamers must consider the RTP (return to player) value, meaning Lucky Numbers by Microgaming is the best to play. 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 win from a $100 bet. So, if the RTP is 96%, the maximum payout would be $96. In short, a higher RTP means more expected wins in the long run.

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. So, 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. For instance, in the games listed on this page, you can win more money playing NextGen’s Merlin Millions than Blueprint Gaming’s Pig Wizard. Therefore, confirm the maximum payout on the paytable.

Online vs. Traditional Scratch Cards: Know the Differences

Online vs. Traditional Scratch Cards: Know the Differences

Scratch card is an age-old gambling game where players buy a lottery ticket and scratch off the silver layer to reveal the prize. Gamers can purchase these tickets at land-based casinos, gas stations, grocery stores, and other retail outlets. The rules and payouts can vary, but they are generally easy to play and offer the player instant gratification.

Scratch Cards Gameplay

Scratch Cards Gameplay

Scratchcards are undoubtedly the perfect games for low-cost and instant-result gambling. With these games, players only have to scratch off the foil on the ticket to reveal the prize. And thanks to technology, gamblers can access online scratchcards remotely on their internet devices.

Scratch Cards Winning Tips

Scratch Cards Winning Tips

When it comes to thrill and fun, there are a few online casino games that can be compared to scratch cards. The purpose of these games is for players to scratch off cards in order to reveal the mystery reward hidden behind them. The question is, why are some players more successful at it than others? Could it be that these players have a secret strategy in their arsenal? In this article, we discuss some basic tips on how to win scratch cards and how to gain an edge over your opponents.