In my country, We use an app called Coins.ph, It's basically a virtual wallet that you can use like a credit card. You can buy load, Pay for restaurants, and more. So it's a great thing to have you don't want to carry a wallet to crowded places.
Adding up to this for the OP.
If you reside in the Philippines, you can use the app mentioned above. Pretty much you can use it to sites like Shopee.
You can also buy 1:1 Steam credits for your gaming using it.
The only thing I dislike with it is that their KYC policy is quite strict.