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.

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.
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.
About the author

Emily Thompson
Emily "VegasMuse" Thompson is a seasoned online casino enthusiast from down under. With a keen eye for details and an inherent knack for strategizing, she has turned her passion for the online casino world into a successful writing career.