That's because you, still working.
Use airtel fastag then simply use bike no.
When you transfer money to wallets without paying any fee you follow (T+1) because credit card money settlement takes time just like neft, swift, shares etc.
Everything will not be like upi instantly + free , in actual takes time.
Before crediting to the account and your making a debit transaction on this pending, bank need to utilize it's fund or lend from rbi paying with interest.