11 Best Credit Cards For Digital Wallet Loads

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads. Only a handful of such cards exist nowadays since most banks are tightening their noose on rental payments and wallet loads using credit cards.

Best Credit Cards For Digital Wallet Loads - TechnoFino - Best Credit Card & Personal Finance Advisor

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads.

www.technofino.in

Best Credit Cards For Digital Wallet Loads - TechnoFino - Best Credit Card & Personal Finance Advisor

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads.

www.technofino.in

With such a diverse list of cards and limited avenues to do such spending one thing is for sure that it doesn’t make any sense to get a card primarily for this purpose. So if you already have a card from the above list then reap its benefits to the core. If you don’t need a card for any specific purpose but only wallet spends then getting a Standard Chartered Smart makes a lot of sense with such a low annual fee and easy to achieve spends based waiver.

Else if you are already planning to get a premium card like BOB Eterna or Standard Chartered Ultimate then you can use them without any fuss even on rental payments and don’t need to bother getting any card listed down that list. If you are one of those who are eagerly waiting for AMEX onboarding to start then look nowhere since they will give you the best bang for your money. Also since AMEX has an offline acceptance issue so it would be better to use them aggressively on wallet loads.

 

[hashiro7hashiro7 is verified member.]

This cashback goes in your Fuel wallet - which cannot be withdrawn 🙁

sometimes normal wallet offers are there as well -> I pay for fuel -> INR 900 a month is durable even if you have a bike.

 

[sameerdes]

4.35% charges for my account (might be less for others) - 2% offer on Paytm = effective charge is 2.35%
Eterna's monthly reward rate is 3.75% so a profit of 1.4% + 1% if you spend 5L in a year i.e. 41700 per month.

so a total of 2.4% return just by transferring a credit card to a bank.
p.s: used to use this card before Magnus -> now have to do this each month as its not LTF.

View attachment 7547View attachment 7548View attachment 754915k PayTm reload -> Transaction Amount via Eterna -> 15652.50 i.e. (4.35% charges) -> INR 300 Cashback from Paytm + 2348 pts on Eterna (i.e. INR 587).
Profit -> INR 234.5
p.s: repeat the same transaction one more time and 3rd time do a transaction of INR 9865 to max Eterna 5k limit of 5x.

Tagging some people -> @Harry1 @helloworld @Pavan @Stevie G

Direct loading from the paytm app -> add money is giving 3.75% RPs for Eterna. Tried out myself as well on the same day. Even with the 2.36% charges atleast some gain is there overall even if not maximum.

 

[DoctorCardEnthusiast]

Can anyone load amazon pay balance with the help of credit card?

 

[panu24]

Can anyone load amazon pay balance with the help of credit card?

No. Amazon stopped giving option to add Amazon Pay balance using Credit cards. Only UPI and Debit cards are allowed now.

 

[Consultant]

Does "Wallet transfer" include fasttag? Also, if I do a fasttag wallet recharge on Zenith, will I get points for it ?

 

[AnungUnRama]

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads. Only a handful of such cards exist nowadays since most banks are tightening their noose on rental payments and wallet loads using credit cards.

Best Credit Cards For Digital Wallet Loads - TechnoFino - Best Credit Card & Personal Finance Advisor

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads.

www.technofino.in

View attachment 7240

Best Credit Cards For Digital Wallet Loads - TechnoFino - Best Credit Card & Personal Finance Advisor

Everyone is looking for the best credit cards list so is a complete article on the best credit cards for digital wallet loads.

www.technofino.in

With such a diverse list of cards and limited avenues to do such spending one thing is for sure that it doesn’t make any sense to get a card primarily for this purpose. So if you already have a card from the above list then reap its benefits to the core. If you don’t need a card for any specific purpose but only wallet spends then getting a Standard Chartered Smart makes a lot of sense with such a low annual fee and easy to achieve spends based waiver.

Else if you are already planning to get a premium card like BOB Eterna or Standard Chartered Ultimate then you can use them without any fuss even on rental payments and don’t need to bother getting any card listed down that list. If you are one of those who are eagerly waiting for AMEX onboarding to start then look nowhere since they will give you the best bang for your money. Also since AMEX has an offline acceptance issue so it would be better to use them aggressively on wallet loads.

Does Standard Chartered Smart credit card offer 2% cb on rent payment as well?

 

[anilkrsh]

The highest reward rate for paytm is with Amex SmartEarn provided you also have a mrcc or gold card. You get 250 points for loading first 2500 in a month. That value of each reward point is 0.25 but increases to upto 0.58 if u unlock gold collection with mrcc/gold charge.

But the accelerated reward is only for 2500 wallet in a month.

 

[ramandeep]

No. Amazon stopped giving option to add Amazon Pay balance using Credit cards. Only UPI and Debit cards are allowed now.

I am still seeing option in my account

 

[ramandeep]

Also i have a question if paytm is charging 2.35% so why use cc to laod wallet? Isn't it would be loss in many cases or using zomato or other app to load paytm wallet?

 

[CP24]

Also i have a question if paytm is charging 2.35% so why use cc to laod wallet? Isn't it would be loss in many cases or using zomato or other app to load paytm wallet?

Ofcourse, it's a loss and not worth it to pay the convenience fee in my opinion unless there is some milestone to be achieved for that credit card that would offset this fee. I restrict myself to 4k load with no charges through uber/swiggy/zomato per month.

 

[jade]

Paytm is 5X partner for Amex SmartEarn. However the capping is up to Rs 2500 pm.

 

[raniphore]

Ofcourse, it's a loss and not worth it to pay the convenience fee in my opinion unless there is some milestone to be achieved for that credit card that would offset this fee. I restrict myself to 4k load with no charges through uber/swiggy/zomato per month.

Is the 4k limit consolidated limit across these 3 apps or each app supports up to 4k? I have done paytm load through uber for an amount of 1000 and transferred the amount from paytm wallet to bank directly without paying any extra fees.

 

[panu24]

4k per month using any app Or you can add 1k from uber, 1k from swiggy and remaining 2k from zomato.

 

[ramandeep]

4k per month using any app Or you can add 1k from uber, 1k from swiggy and remaining 2k from zomato.

Is it 4k per calender month?

 

[panu24]

Is it 4k per calender month?

It should be Calendar month only. As its one time transaction which is mostly done in first week of month, there is no other way cross check like when it can fail. But it always succeed in first week of every month.

 

[Wealth is my birth right!]

Paytm is 5X partner for Amex SmartEarn. However the capping is up to Rs 2500 pm.

Yes 250 rewards we can get in SE card
But I concentrate amex mrcc 6 times 1500 which gives direct 1k points

 

[PiperatGatesofDawn]

Citi Prestige still gives points for wallet reloads doesn't it... I would think that would be on top of the list...

 

[Deleted member 23535]

Paytm is charging around 4%
In which app, you guys are loading?

 

[panu24]

Paytm is charging around 4%
In which app, you guys are loading?

payzapp app using apay card 1% cashback

 

[taskmaster]

What about Kotak Mojo? It has 1% cashback but it has a milestone of 75k per 3 months which makes it better