Digital wallets were a rage couple of years back. Paytm, Mobikwik, Freecharge and many others were popular apps. While the popularity has waned now, apps like Paytm are still very popular. For the simple reason, that we can use Paytm at many retail stores that do not accept credit cards. That brings us to one of the most asked questions. Which credit cards have the best rewards for loading digital wallets like Paytm.
Amex Membership Rewards Credit Card

Amex continues to one of the few issuers to provide rewards on wallet transactions. The entry-level Amex MRCC is one of the best options for loading digital wallets. Loading wallets with the 1500 X 4 transactions will give you the best return. Or you can also do it as a normal transaction. The Amex MRCC can give you a return between 5.4% to 7.5% with its milestone bonuses.

- Joining Fee: Rs 1000+GST or NIL
- Annual Fee: Rs 4500+GST
- Reward Rate on Wallet Loads: Up to 7.5%
- Read Review and Apply: Amex MRCC Review
American Express Platinum Travel Credit Card

The Platinum Travel with its MR points milestone bonuses at Rs 1.9 Lakhs and Rs 4 Lakhs. The reward rate is up to 8.5% for redeeming MR points against Taj vouchers. So, wallet spends can be one of the ways you can add spends to meet the Rs 4 Lakhs spend milestone.
- Joining Fee: Rs 3500+GST or NIL
- Annual Fee: Rs 5000+GST
- Reward Rate on Wallet Loads: Up to 8.5%
- Read Review and Apply: Amex Platinum Travel Review
American Express Gold Charge Card

Ok, this is the last Amex card in this list. 🙂 The Amex Gold Charge is a good option for loading digital wallets if you use it for 1000 X 6 transactions.
- Joining Fee: Rs 1000+GST
- Annual Fee: Rs 4500+GST
- Reward Rate on Wallet Loads: Up to 8.3%
- Read Review and Apply: Amex Gold Charge Review
Standard Chartered Ultimate Credit Card


Standard Chartered Ultimate is a no non-sense credit card. Its 3.3% reward rate is applicable on wallet loads as well without any cap.
- Joining Fee: Rs 5000+GST
- Annual Fee: Rs 5000+GST
- Reward Rate on Wallet Loads: 2%
- Read Review and Apply: Standard Chartered Ultimate Review
AU Bank LIT Credit Card

The LTF AU Lit credit card has a low base reward rate but its optional features are quite useful. We can opt for the 2%/5% cashback and 10X rewards features to get a good return on wallet spends.
- Joining Fee: LTF
- Annual Fee: LTF
- Reward Rate on Wallet Loads: Up to 7.5%
- Read Review and Apply: AU LIT Review
Standard Chartered Smart Credit Card

The Standard Chartered India Smart credit card offers 2% cashback on online spends and this is applicable on wallet loads too. The maximum cashback on online spends is capped at Rs 1000 per month.
- Joining Fee: Rs 499+GST
- Annual Fee: Rs 499+GST
- Reward Rate on Wallet Loads: 2%
- Read Review and Apply: SC Smart Review
IDFC First Wealth Credit Card

The IDFC First Wealth credit card offers 6X RP on online spends. If you spend more than Rs 30000 spends in a month, we get 10X rewards on incremental spends. This takes the potential return to 2.5%.

- Joining Fee: LTF
- Annual Fee: LTF
- Reward Rate on Wallet Loads: 1.5% to 2.5%
- Read Review and Apply: IDFC First Wealth Review
AU Bank Zenith Credit Card

AU Zenith credit card offers 5 RP/Rs 100 ~1.25% return on wallet spends. There is no cap on the reward points that can be earned. Wallet loads also count towards the milestone benefit.
- Joining Fee: Rs 7999+GST or LTF
- Annual Fee: Rs 7999+GST or LTF
- Reward Rate on Wallet Loads: 1.25%
- Read Review and Apply: AU Zenith Review
AU Bank Xcite Ultra Credit Card

The Xcite Ultra is a new LTF credit card from AU Bank. It offers 8 RP per Rs 100 on online spends that is also valid on wallet loads. The spends will also count for the milestone benefit on the Xcite Ultra.
- Joining Fee: LTF
- Annual Fee: LTF
- Reward Rate on Wallet Loads: 2%
- Read Review and Apply: AU Xcite Ultra Review

3 thoughts on “9 Best Credit Cards for Digital Wallets”
Could you please explain how to get 7.5% rewards on wallet load using AU LIT?
5% cashback feature pack plus 10X reward points feature pack
Is there Any wallet providing features like Mobikwik wallet linked to any prepaid card , other than Payzapp, and no charges on loading wallet with credit card for any amount in a month for Full KYC users. Kindly suggest.