This is bank issue.
Many BOB Eterna Visa/Mastercard users also face this problem. BOB also block wallet transactions. 🤣🤣
Nothing to do with RuPay or any other card network.
PSU banks are afraid of fraud or being hacked. That's why they keep more security, due to which customers have to face all these problems.
What happens to all the SBI Visa/master/RuPay credit card holders, just ask anyone.
Everyone faces card blocking, especially new SBI card holders.