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Paytm wallet load charges now 4.35%, Better alternative???

Mobikwik - 2.5% charge
Hi All,
As you know, Paytm wallet is closing , Can you suggest an alternative of this.
I used paytm wallet loading for multiple credit cards which I use the least just to keep them active.
Later I transfer the wallet amount into Bank account.

MobiKwik:

first transaction - 2.65%
Next onwards - 2.95%
 
View attachment 42816
Maybe varies via user and number of times its accessed in a month or quarter like paytm.
Oh and btw upto 1k its zero.
Up to first 1k is free and been there for long time
First transaction (of course 10k) 2.5 becomes 2.5*1.06 = 2.65%

From next onwards 2.5 * 1.18 = 2.95%

A few examples for this month below
1707684568927.png
1707684676122.png
 
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