Handicap Allowances for Individual Singles Competitions Playing Handicap Reduction of 95% If your Course Handicap is 10 or less your Playing Handicap will remain the same. If your Course Handicap is between 11 and 30 your Playing Handicap will be 1 less. If your Course Handicap is between 31 and 50 your Playing Handicap will be 2 less. If your Course Handicap is above 50 your Playing Handicap will be 3 less. Your scorecard will contain your Handicap Index, Course Handicap and Playing handicap.