What Is RTP and Why Does It Matter?
Return to Player (RTP) represents the percentage of total money wagered by players that is paid back to them by a game over a statistically large number of rounds played. A scratch card with a 96.47% RTP will return £96.47 to players for every £100 that they wager on the scratch card game - if they play enough rounds and across enough players.
For scratch card games, the RTP percentage is the single most important statistic to players looking to compare scratch card games with one another. Scratch card games have relatively few bonus features compared to other types of casino games, so the RTP percentage is the only way to compare value of games.
Why high RTP matters: The higher the RTP percentage of a scratch card game, the better; a 1% increase in RTP over another scratch card game will result in a loss of £100 for every £10,000 that is wagered on each of those games over time. If you play £500 per month on a scratch card game with a 96% RTP, you will lose an average of £20 per month. A 93% RTP will cost you £35 per month with the same betting rate.
Full RTP Table — All Reviewed Games
All of the RTP figures in this scratch card game table are sourced from the official documentation published by the game providers. If the providers of scratch card games publish a range of RTP percentages for a specific game, the full range of percentages will be published here - never a cherry-picked figure.
| Game | Provider | RTP | Volatility | Max Prize | Review |
|---|---|---|---|---|---|
| Scratch Match Deluxe | Pragmatic Play | 96.47% | Medium | £250,000 | Read → |
| Lucky Fortune Card | Pragmatic Play | 96.10% | High | £500,000 | Read → |
| Hot Gems Xtreme | Playtech | 95.99% | Medium-High | £500,000 | Read → |
| Jewel Pool | Pragmatic Play | 95.78% | Medium | €100,000 | Read → |
| Cash Collect | Playtech | 95.50% | Medium | £250,000 | Read → |
| Adrenaline Rush | Pragmatic Play | 95.20% | High | €200,000 | Read → |
| Platinum VIP | Pragmatic Play | 95.00% | High | £1,000,000 | Read → |
| Super Sixers | Pragmatic Play | 94.80% | Medium | €150,000 | Read → |
| Airavat White Elephant | Pragmatic Play | 94.60% | Low | €50,000 | Read → |
| Mega 777 | Pragmatic Play | 94.50% | Low | €75,000 | Read → |
All scratch card game RTP figures are sourced from the official documentation provided by the scratch card game providers as of April 2026. These RTP percentages are subject to change; always check the information panel embedded within each scratch card game for the most up-to-date and certified RTP percentage.
Top 3 Picks by RTP
🥇 Scratch Match Deluxe — 96.47%
This scratch card game boasts the highest RTP of all of the games that we have reviewed. It is a classic match-3 game with a high RTP, medium volatility, and offers prizes of up to £250,000. This game is available at most major licensed casinos.
🥈 Lucky Fortune Card — 96.10%
The second-highest RTP scratch card game with a maximum prize of £500,000 - double that of Scratch Match Deluxe. This game features higher volatility so players will have longer periods where they are not winning any prizes.
🥉 Hot Gems Xtreme — 95.99%
A cross between scratch card and slot game features from the Hot Gems game series. It features 95.99% RTP and prizes of up to £500,000. This scratch card game has medium-high volatility. Available at most casinos that offer Playtech games.
RTP vs Volatility — Which Matters More?
The Return to Player rate and the volatility of scratch card games are the only two parameters that will influence your experience of playing scratch cards.
Scratch card games can be divided based on their volatility and RTP as follows:
- High RTP and low volatility scratch card games provide the most bankroll-efficient experience for players; they win quite often but with low prizes. Games like Mega 777 offer a lower RTP compared to other games but offer high frequencies of winning.
- High RTP and high volatility scratch card games offer the best theoretical return to players but require longer losing periods. The best prize is awarded to players after enduring these losing periods. Scratch Match Deluxe features high RTP and volatility.
- Medium RTP and medium volatility scratch card games offer the middle ground in terms of both RTP and volatility; they are more balanced between the two parameters. Lucky Fortune Card offers medium volatility but a higher RTP than other games in the same category.
Neither high volatility nor low volatility scratch card games is better than the other - it comes down to player preference. However, the RTP value is more objective in scratch card games; the higher the RTP percentage, the better the game.
All Games Reviewed & Ranked
Learn more about scratch card games in our full ranked list including RTP percentage, volatility, prize amount and availability at casinos.
How We Source RTP Data
Each of the RTP figures published in the table above are sourced from one of the following sources for the most accuracy and integrity in their publication:
- The paytable embedded within each scratch card game — Most scratch card game providers will publish the certified RTP percentage within the game's information panel.
- Provider game information sheets — Companies like Pragmatic Play and Playtech will publish information sheets for their scratch card games.
- RNG and GLI certification reports — These independent testing rooms will publish reports on scratch card games that include the certified RTP percentage. If available, these will be referenced herein.
As with all other review websites, the RTP for scratch card games is published from other review websites. Unfortunately, this has created a world where many RTP percentages for scratch card games are incorrect, out-of-date or even fabricated by the other review websites. Every RTP percentage published on this site is verified independently from each of the above sources.
If the provider of a scratch card game has published an updated RTP for one of their games since our last review of that specific game, the information from the paytable within the game will be the cited source. If you have found that the RTP percentages do not match between our website and the provider, please get in touch.
Where to Play High-RTP Scratch Cards
A high RTP percentage for scratch card games is only beneficial if you play at a casino that carries that game. Not all licensed casinos offer all of the games. The best casinos for scratch card games will have the most titles from providers like Pragmatic Play and Playtech - ensuring that players have access to all of the games listed in this article.
Best Scratch Card Casinos
Five licensed casinos with the best scratch card game libraries, ranked from best to worst.
Frequently Asked Questions
What is the highest RTP scratch card available?
Scratch Match Deluxe by Pragmatic Play offers the highest RTP of any scratch card game that we have reviewed. Other scratch card games by Pragmatic Play have an RTP percentage of above 96% but have yet to be reviewed on this website.
Do all casinos offer the same RTP on the same game?
For a specific game by a specific provider, the RTP will be the same at all casinos. Casinos cannot offer a "worse" version of a scratch card game from a well-known provider. However, the provider may offer multiple versions of the same game with different RTP percentages; some do, others do not.
Can RTP change after a game is published?
Scratch card game publishers can change the RTP percentage after the games have been published. This requires the re-certification of the scratch card game by the RNG and GLI. The current RTP can be seen in the game's paytable. Our articles will note in what date our review was written, and whether the RTP percentage for that game has changed since its original publication.
Is a 96% RTP scratch card better than a 94% RTP scratch card?
Mathematically, yes. A 96% RTP scratch card game will, on average, pay out £96 for every £100 that is wagered. A 94% RTP scratch card game will return £94 for every £100 wagered. However, other factors influence the "better" scratch card game for a player. Nevertheless, if all other factors are for scratch cards are the same, then 96% RTP is always better than 94%.
