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Top 5 Scratch Cards with the Highest RTP

Last updated: 21.11.2025
Emily Thompson
Published by:Emily Thompson
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Gone are the days when players had to pop into the local shop or petrol station to grab a scratch card. Nowadays, you can play these instant games of luck remotely at online casinos, right from your mobile phone or computer – no need to leave the house!

But when you're picking these online lottery tickets, the Return to Player (RTP) rate is a massive factor. Ideally, the best scratch cards should offer players an RTP of no less than 96%, meaning you stand a better chance of winning more often, although remember, nothing's ever guaranteed! So, in this guide, we'll be looking at some of the top scratch card games with the highest RTP available for players in Ireland.

Microgaming's Lucky Numbers – 96.57% RTP

Lucky Numbers by Microgaming is one of the top scratch cards to try your luck on, boasting an impressive RTP of 96.57%. In this fast-paced instant-win game, you'll need to match at least three random digits to unlock a prize multiplier. The scratch card is split into two sections, with Game 1 featuring the main play and Game 2 offering a bonus round for extra chances to win.

In the bonus round, players get to hit a gong, and if the lucky number happens to be 8, you're in for a payout! With Lucky Numbers, you could win anywhere from 28x up to a massive 8,888x your stake, making it one of the most rewarding online scratch cards available.

Microgaming's Whack a Jackpot – 96.30% RTP

Here's another cracking scratch card game from Microgaming that comes with a really decent RTP. In Whack a Jackpot, you simply place your bet and then hit the 'New Card' button to get started. You'll see moles popping out of their holes, and if you 'whack' any of them, you could win a multiplier prize!

Here are the objectives for this online scratch card:

  • Match three symbols with 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 in Ireland?

When selecting a scratch card, Irish players should consider the RTP (Return to Player) percentage. While there isn't a single "best" card, those with higher RTPs offer a better theoretical return. For example, a scratch card with a high RTP, like some offered by Microgaming, might be a good choice. However, remember that even with a high RTP, wins are never guaranteed due to the random nature of the game.

Why is RTP Important for Online Scratch Cards in Ireland?

The RTP indicates the potential winnings from a €100 wager over a long period. For instance, a 96% RTP suggests a theoretical return of €96. A higher RTP generally implies a greater chance of winning over time, but it's crucial to remember that this is a theoretical calculation and doesn't guarantee immediate or frequent wins.

How Can I Find Scratch Cards with the Best RTP in Ireland?

Consult online casino comparison sites like OnlineCasinoRank to discover scratch card games with RTPs of 96% or higher. Always review the game's information or paytable before playing to confirm the RTP. This information is usually readily available within the game itself.

Are Scratch Cards with Higher RTPs More Expensive to Play in Ireland?

No, the cost to play a scratch card is typically determined by the game developer and the specific game itself, not necessarily the RTP. Always check the game's paytable to understand the minimum and maximum bet limits before you start playing.

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

The potential winnings vary depending on the game developer and the specific scratch card. Always consult the paytable of the game you're playing to understand the maximum payout available. Some games offer significantly larger potential prizes than others, regardless of their RTP.

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