Category
Wallet loads
Topping up Paytm, PhonePe and other prepaid wallets.
No card in your wallet earns rewards on wallet loads yet.
When you add a card that does, it will rank here automatically.
Best in market
Wallet loads are the deadest category of 2026. Every major issuer excludes them from rewards. The single genuine exception is Amazon Pay balance on its own co-brand card. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
ICICI Bank Amazon Pay
2% cashback on Amazon Pay balance loads. The last wallet that still pays (3 loads/month, keep each under ₹5,000)
Free for life
You already own the only card in India that still earns on a wallet load: the Sept 2025 revamp pays 2% on Amazon Pay top-ups for up to 3 loads a month, and that balance covers Amazon shopping, bills and recharges.
From Jan 2026 a 1% fee hits any single load of ₹5,000+. Split loads to ₹4,999 or less. ~₹15k/month of rewarded loads max. Nothing earns on Paytm/PhonePe loads anymore. Route those through your bank account.
Your wallet · Wallet loads
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on wallet loads. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on wallet loads at your spend. raw rates, before caps.
Every card in your wallet is excluded from wallet loads. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.