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Top 5 Scratch Cards with the Highest RTP

Last updated: 19.11.2025
Emily Thompson
Published by:Emily Thompson
Top 5 Scratch Cards with the Highest RTP image
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  • 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 picking an online scratch card, players in the Philippines should definitely look at the RTP (Return to Player) value. Based on this, Lucky Numbers by Microgaming often comes up as a top choice. Remember, though, even with a high RTP, game outcomes are always 100% random, so frequent wins are never guaranteed.

Why is RTP Important for Scratch Cards?

RTP is crucial because it indicates the theoretical return you can expect over time. For instance, if a scratch card has a 96% RTP, it means that, on average, for every $100 wagered, $96 is returned to players. Simply put, a higher RTP suggests better potential returns and more expected wins over an extended period of play.

How Do I Find Scratch Cards with the Highest RTP?

To discover online scratch cards with the highest RTP, we recommend checking out the curated lists on OnlineCasinoRank, where you can find games with 96% RTP or higher. Additionally, a smart move is to always consult the game's paytable before you start playing, as it clearly displays the expected Return to Player rate.

Are Scratch Cards with High RTP More Expensive to Play?

Not necessarily. The cost to play a scratch card, or its bet limits, is typically set by the game developer, not directly by its RTP. Always check the paytable of any scratch card game to understand its minimum and maximum bet limits before you play.

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

Winning more money isn't solely tied to a high RTP; it also depends on the game's maximum payout, which varies by game developer. For example, you might find that NextGen’s Merlin Millions offers a higher potential maximum win compared to Blueprint Gaming’s Pig Wizard, even if their RTPs are similar. Always check the paytable for the specific maximum payout details.

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