Small value single transaction will go through... Once you do multiple transactions and of higher value, bank starts blocking. Eterna is also known to block wallet transactions in first 90 days, if they find repeated pattern of loads
Some users are able to do single high value transactions also on wallets, but they use their card at all other places including offline
There is one thread on TF on this topic, you can try and search. I am not able to find it handy