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)
Lifetime free
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.