Best Credit Cards for Mobile Wallets – Paytm, PhonePe & Google Pay (2025)

Using credit cards through mobile wallets like Paytm, PhonePe, and Google Pay can add convenience plus extra benefits like cashback and discounts. Many credit cards now have special rewards for transactions done via these wallets or UPI payments through them.

Here’s a guide to help you choose the best credit cards for using with Paytm, PhonePe or Google Pay, with current examples, what to watch for, and how to benefit the most.

What to Look for in Wallet-Friendly Credit Cards

When picking a credit card for wallet / UPI payments, check these features:

  • High cashback or reward points on wallet top-ups, mobile recharges, bill payments via the wallet
  • Good redemption options – rewards should be simple to use (statement credit, wallet credit, etc.)
  • Low fees or fee waivers based on spending
  • Support for UPI / Scan & Pay transactions with the card
  • Promotional offers from wallets & banks (discounts, cashbacks, bonus points)

Examples of Credit Cards That Work Well with Wallets / Wallet Offers

Here are some credit cards or collaborations in India (2025) that offer good benefits when used with Paytm, PhonePe, Google Pay or similar mobile wallet / UPI services.

Credit Card / Bank Wallet / App Key Offer(s) / Reward Structure Notes / Fees

PhonePe-HDFC Bank Credit Card

PhonePe

10% reward points on PhonePe spends (recharges, bills, flights, etc.)

Joining and renewal fee ~ ₹999; rewards redeemable as statement credit; waiver on spends threshold. 

SBI PhonePe Black Credit Card

PhonePe

10% cashback on select PhonePe transactions; plus benefit on recharges, bills through PhonePe etc. 

Premium card; has monthly cashback caps; fee ~ ₹1,499 waived on certain annual spend. 

RuPay Credit Cards on Google Pay

Google Pay

You can link RuPay credit cards to Google Pay for UPI payments, which means you can use your credit card via Google Pay to pay at merchants/online where RuPay is accepted.

Benefits depend on card; check with your bank what reward / cashback you get via Google Pay payments.

How to Use These Wallet-Related Offers Wisely

Here are tips to make the most of wallet + credit card combos:

  1. Link your credit card properly with the wallet or UPI so you can use it without extra steps.
  2. Watch for special promo campaigns that wallets or banks run — these often give bonus cashback or extra rewards for limited time.
  3. Check minimum transaction amounts & caps — some offers need a minimum spend or limit how much you can earn per month.
  4. Use the right card for the right wallet — sometimes your best rewards come from using a specific card with a specific wallet.
  5. Pay bills through the wallet with the credit card when supported — often yields better rewards or offers.
  6. Read the fine print — some transactions may be excluded (wallet loading, some UPI payments, etc.)

Pros & Cons

Pros Cons

Extra savings for things you already pay via wallet (recharges, bills etc.)

Offers and cashbacks might be limited by caps or specific merchants

Convenience + rewards when using wallet that you use daily

Some fees may apply (card fee, wallet transaction fees)

Can stack wallet offers + bank offers sometimes

Not all credit cards work equally well across wallets; some wallets exclude certain cards or offer lower rewards

Final Thoughts

If you use Paytm, PhonePe or Google Pay often for recharges, bills, or shopping, getting a credit card that offers good rewards or cashback for those wallet transactions makes sense. Some cards already offer strong perks — like the PhonePe-HDFC card, SBI PhonePe Black, or RuPay cards on Google Pay.

When choosing, compare the fees vs how often you will use those wallet transactions. The more you use it, the more benefits you’ll get.

FAQ

1. Can I use any credit card with Paytm, PhonePe or Google Pay?
Yes, you can usually add credit cards to these wallets or UPI apps (if supported). But the rewards or cashback offers vary by card and by wallet. Some cards are specially designed to give more benefits when used via certain wallets.

2. Are wallet-loading fees going to reduce savings?
Yes, sometimes loading wallets with credit cards may have small charges or fees. Always check if there's a fee for wallet top-ups and compare the fee vs cashback to see if you still benefit.

3. What about UPI payments via credit cards through Google Pay or PhonePe?
UPI with RuPay credit cards is now supported on some wallets/apps. That means you pay with credit limit via UPI. Reward rates and fees depend on your bank.

Related Articles

Latest Post