Top 5 Scratch Cards with the Highest RTP

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 for Filipino players.
Microgaming’s Lucky Numbers – 96.57% RTP
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% RTP
Here is another Microgaming scratch card game with a 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% RTP for Filipino Players
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, a popular pastime for many in the Philippines.
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, adding an exciting twist for Filipino gamers.
Blueprint Gaming’s Pig Wizard – 95.82% RTP
Although the RTP is slightly below the industry standard, Pig Wizard is still one of the best scratch cards online for players in the Philippines. 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% RTP
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 for Filipino Players
If friendly RTP rates top your priority, these are the best online scratch cards for players in the Philippines, 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, gamers 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 certain amount bet over time. So, if the RTP is 96%, the theoretical maximum payout would be PHP 4,800 from a PHP 5,000 bet. In short, a higher RTP means more expected returns 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 in the Philippines. 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 the specific game. So, check the paytable of a card to know the bet limits before playing, regardless of its RTP.
Can I Win More Money Playing Scratch Cards with a High RTP?
This depends on the game developer and the game's maximum payout potential. For instance, for players in the Philippines, in the games listed on this page, you might win more money playing NextGen’s Merlin Millions than Blueprint Gaming’s Pig Wizard, even if their RTPs are similar. Therefore, always confirm the maximum payout on the paytable.





