Fruit Party's ceiling is rarely reached
Three scatters trigger the free spins, but how often they appear is not known in advance. The RTP of 96.47 describes the return over a very large number of rounds. It says nothing certain about one session. Every spin is random, so the result of one session is random whatever the RTP. No pattern from earlier spins changes what the next spin brings.
96.47 is the RTP of this Fruit Party version, while Fruit Party 2 carries 96.53. Which RTP version runs on Surge Casino is shown only in the game rules, so check the rules before the first spin.
5,000x the bet is the maximum win of Fruit Party, a ceiling that is reached very rarely. Whether a session comes near it is random, and no bet size or timing can be relied on to reach it. In free spins, hitting the cap ends the round early and forfeits any spins still left.