How to Play Scratch Cards Online

Before You Start Playing

While instantly uncovering prize symbols is fast-paced and highly appealing, before diving in here are some useful online scratch card terms worth knowing.

Online Scratch Card – A digital game card you can scratch virtually to reveal hidden symbols or cash prize amounts.
Buy Cards – The selection menu where you choose how many scratch cards you wish to buy, which also displays pricing options.
Scratch Card Discount – Some online casinos offer discounts for multiple scratch card purchases, reducing the combined price when 25 or more are bought.
Match 3 – Win by revealing three matching symbols or cash prize amounts on a scratch card.
Instant Win – Casino games like scratch cards are referred to as “instant win” because the result is immediate, once the player has revealed all the symbols.
Free Game – An extra scratch card is awarded to the player when they match three “Free Game” symbols.
Bonus Game – Some online scratch cards feature bonus game rounds, offering players additional gameplay options and prizes beyond those of the base game.
Grid Layout – The structure and format of a scratch card game, often with 3×3 or 4×4 grids.
Reveal Button – Button that players can press to automatically reveal all the hidden scratch card symbols at once, without any scratch animations.
Scratch Animation – The visual effect imitating the action of scratching the card surface to reveal hidden symbols or prize amounts.

Online scratch cards are designed to provide instant outcomes and gratification, which also makes them highly addictive. No matter how confident you feel while playing, try to gamble responsibly and set yourself a playing budget.

Always remember that if you’re struggling and need support, organisations like GAMSTOP in the UK can help you control your online gambling.

Step 1: You Need an Online Casino Account

In order to play online scratch cards for real money, first you need to open an online casino account or log in if you’re already registered with a site. This will provide access to the full range of games available.

The Login Screen of an Online Casino — **In the Photo:** An Online Casino’s Login Screen

Important: We only recommend playing online scratch card games at casino sites that are licensed and regulated by the UK Gambling Commission. This ensures that scratch cards at online casinos are safe to play and have been tested to verify fairness.

Step 2: Choose a Scratch Card to Play

Online casinos are increasingly offering more scratch card games to choose from. If you can’t find them using the search function or listed under a “Scratch” tab, try looking for “Instant Win” or “Instant Games” instead.

Scratch Cards Game Library at Ladbrokes — **In the Photo:** Scratch Cards listed under the “Instant Win” games tab at Ladbrokes

Some casino sites may list online scratch cards as “Other” when browsing the gaming options, given they are still considered quite niche compared to the most popular casino games.

Step 3: Check the Paytable & Game Options

Before you decide how many scratch cards to buy or start playing, always check the paytable displaying prizes available. Likewise, the game options and rules may also vary depending on the type of scratch card game you’re playing, so read through the information carefully.

Hot Safari Scratch Card Paytable — **In the Photo:** Hot Safari scratch card paytable, total number of tickets and RTP

Be Aware: The return-to-player (RTP) rates can vary greatly from one scratch card game to the next, from 50% RTP or lower, through to 95% RTP and higher. We usually find that higher prize amounts come with lower payout rates, and vice-versa.

Step 4: Buying Scratch Cards & Choosing Bet Amounts

Although most online scratch card games have fixed bet amounts, some variants offer players minimum and maximum bet amounts, increasing or decreasing the prizes indicated in the paytable. We recommend choosing carefully before continuing to play.

Choosing How Many Scratch Cards to Buy — **In the Photo:** Choosing how many scratch cards to buy and play

Traditional online scratch cards tend to emulate their physical counterparts, with fixed buy prices for each individual card. However, some online casinos offer players a discount for buying multiple cards at once.

Step 5: Enjoy Playing Your Favourite Scratch Cards

Once you’re satisfied with the chosen scratch card, having checked the paytable and set your bet amounts, it’s time to start playing. Don’t forget to keep an eye on your bankroll and remember that you can stop playing at any time.

Online Scratch Card Gameplay — **In the Photo:** Example of scratch card gameplay in action

Scratch Card Gameplay & Tips

Alongside the traditional style of scratch cards found at online casinos, games developers have been getting more creative with different gameplay variants. There are some cards with multiple panels and prizes, enhanced animations and sound effects, plus different betting options. We’ve highlighted a few scratch card gameplay examples below, accompanied by useful tips.

In the Photo: Checking the RTP rate available in scratch card games is always worthwhile. Scratch cards often tend to have lower return-to-player rates (payouts) compared to many online casino games. Some can be as low as 50% RTP, so it’s always worth checking the paytable or game instructions, before you decide whether to play or not. Tip: Look for RTP rates above 80%.
In the Photo: Prices per scratch card game, including discounts for buying 25 or more. Some online scratch cards offer players the opportunity to buy multiple game cards. These can vary by casino site and games developer, offering better overall value if you plan to buy and play 25 scratch cards or more.
In the Photo: Most scratch card games have an instant reveal feature. Emulating physical scratch cards is part of the fun with online scratch cards, especially when you slowly reveal prizes. But most games also feature an automatic “Scratch” or “Reveal” button, which does this instantly, speeding up gameplay.
In the Photo: Multiple game panels with different prizes are a feature of some scratch cards, such as Rainbow Riches Piles of Cash developed by Light & Wonder. Tip: Multiple game scratch cards often have higher RTPs with a higher frequency of smaller wins.
In the Photo: Prize multiplier featured in the Silver Hook Scratch game. Silver Hook Scratch by Boldplay features a multiplier column, increasing the prize amounts by the number indicated alongside the matching symbols. Added features like this are a fun alternative to traditional scratch cards.

These images highlight just a few gameplay examples and features. Always remember to check the game rules or information pages for any scratch card game. These will explain all the features available, including any differenes in bet options and paytable amounts.

Scratch Card Variants and Special Rules

While simple and traditional scratch card games remain popular at online casinos, game developers have created numerous variants that are capturing the imaginations of players. Bringing new gameplay ideas and visual features, these are some of the most common online scratch card variants you’ll find at casino sites.

3×3 Classic – Scratch card game with three rows and three columns forming a grid, usually with traditional gameplay mechanics and payouts.
Line Win Scratch Cards – Prize wins are awarded for matching symbols in a row, column, or diagonal line. Similar to games like noughts and crosses or tic-tac-toe.
Number Match – Scratch card variant similar in style to bingo or lotto games. Prize numbers are drawn randomly, players win by revealing matching numbers on the grid.
Theme-Based – Scratch cards that are styled after pop culture, holidays, or other popular online casino games and brands.
Progressive Scratch Card – Variant that contributes a portion of each player bet to a growing jackpot, similar to progressive slots.
Grid Multiplier Scratch Card – Gameplay variant featuring multipliers that increase prize amounts whenever symbols are matched across the grid.
One Panel Reveal – Type of online scratch card game that has just one panel hiding the outcome.
Symbol Drop – Scratch card variant with enhanced Match 3 gameplay, replacing winning combinations with more symbols for additional chances to win.
Scratch Card Mini-Games – Variants with additional gameplay features beyond the main display grid, such as bonus rounds or prize gamble options.
Card Collection Bonus – Scratch card variants where players can collect themed cards for added rewards over time.

Heath Chesters Author and Casino Analyst

About the Author

I’m not a great fan of Scratch Card games at online casinos. They often feature low return-to-player rates, and some prize amounts can be lower than the minimum bets, depending on the game developer and casino site. Jackpot payouts are extremely rare, so my tip is to look for higher RTP games that offer more consistent, smaller payouts.