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Wallet load cashback

I have a basic question - Why do we use wallets instead of paying directly from credit cards?
Which is better - pay using credit cards or load to wallet and spend from there?

I have been using Rupay credit card on UPI for QR scans and direct credit cards for POS swipes.
I haven't used wallets for payments. What is the additional advantage of using wallets?

some usecases..

till now.. no longer from Jan onwards

Eterna through pazapp = around 1.8%

which can use anywhere tatanue infinity helps (scan and pay) where it provides 1.5%.

so, its actually a UPI card without UPI till now.

also, eterna since last year gives 0 rewards on swgy/zmto puchases.

but through payzapp you'll get extra 5% through vouchers + some extra cashpoints time to time.

= 7%

also, eterna provides 0 reward points for transportation on uber/ola. same process gives around 7%.

its not wallet actually, its a prepaid card like alternative credit card where our card fails or not provides it gives.
 
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