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Top 5 Scratch Cards with the Highest RTP

Last updated: 14.11.2025
Emily Thompson
Published by:Emily Thompson
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Gone are the days when players had to pop into a local shop or garage to grab a scratch card. These days, you can play these instant-win games remotely at online casinos right from your mobile phone or computer, and it's become a popular pastime for many South Africans.

When choosing these digital lottery tickets, the Return to Player (RTP) percentage plays a massive role. Ideally, the best scratch cards should offer players at least a 96% RTP. This means you can expect to win more often, though remember, nothing is ever guaranteed. So, in this article, we'll dive into some of the top scratch card games with the highest RTP available to South African players.

Microgaming's Lucky Numbers – A Cut Above at 96.57%

Lucky Numbers by Microgaming is a standout choice for South African players looking for a scratch card with a great win potential, boasting an impressive 96.57% RTP. In this instant-win game, players need to match at least three random digits to unlock a multiplier prize. The card is split into two sections: Game 1 features the base game, while Game 2 offers a bonus round.

To win, players need to hit a gong, and the biggest prize comes if the lucky number is 8. With Lucky Numbers, you can potentially win anywhere from 28x up to a massive 8,888x your stake, making it one of the most rewarding online scratch cards available.

Whack a Jackpot by Microgaming: A Fun Ride with 96.30% RTP

Another gem from Microgaming, scratch card game that offers a player-friendly RTP of 96.30%. In Whack a Jackpot, you simply place your bet before clicking the “New Card” button to start. Moles pop out of their holes, and hitting any of them can win you a multiplier prize. It's a thrilling experience for players across South Africa.

The main goal in this online scratch card game is straightforward:

  • Match three symbols with your strikes to claim 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 South Africa?

When selecting a scratch card, South African players should consider the RTP (Return to Player) percentage. While there isn't a single "best" card, those with higher RTPs offer better potential returns over time. Remember that even with a high RTP, game results are random, so there's no guarantee of frequent wins.

Why is RTP Important for Scratch Cards in South Africa?

The RTP indicates the theoretical amount players can win back from a R100 wager over a long period. For example, a 96% RTP suggests a potential return of R96. A higher RTP generally implies a greater chance of winning in the long run, but it's crucial to remember that this is a theoretical calculation.

How Do I Find Scratch Cards with the Highest RTP in South Africa?

Refer to reputable online casino comparison sites like this one to find scratch card games with RTPs of 96% or higher. Always review the game's information or paytable before playing to confirm the RTP and understand the game's mechanics.

Are Scratch Cards with High RTP More Expensive to Play in South Africa?

No, the cost to play a scratch card is usually 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 South Africa?

The potential winnings vary depending on the specific scratch card game. Always consult the paytable to see the maximum payout available. Remember that a higher RTP doesn't guarantee a larger win, but it does suggest a better chance of winning something over time. Play responsibly and within your budget.

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