Top 5 Scratch Cards with the Highest RTP

Gone are the days when Kiwi punters had to pop down to the local shop or service station for scratchies. Nowadays, you can play these classic games of chance on the go or from your couch, right through your mobile or computer at online casinos.

But when you're picking out your instant wins, the return to player (RTP) is a big deal. Ideally, the best scratchies should offer players a payout rate of at least 96%, meaning you've got a better shot at winning more often, though nothing's guaranteed, of course. So, in this article, we'll dive into the top scratch card games available in New Zealand with the highest RTPs.

Microgaming's Lucky Numbers – 96.57% RTP

Lucky Numbers from Microgaming is a ripper of a scratchie, with a 96.57% RTP making it one of the best to try your luck on. In this instant-win game, you need to match at least three random numbers to bag a multiplier. The scratch card is split into two sections: Game 1 is your main game, and Game 2 unlocks the bonus round.

Keep an eye out – you'll need to hit a gong, and if your lucky number is 8, you're in for a payout! With Lucky Numbers, players can snag wins ranging from 28x up to a massive 8,888x their stake, easily making it one of the most rewarding online scratchies out there.

Microgaming's Whack a Jackpot – 96.30% RTP

Here's another fantastic scratch card game from Microgaming that boasts a player-friendly RTP. In Whack a Jackpot, you start by placing your bet, then hit the “New Card” button to play. Watch as the moles pop out from their holes – whack any of them to win a multiplier prize!

The aim of this online scratch card is simple:

• Match three symbols with your 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.