Thank you all. I have downloaded everything to the Google Wallet. Easy Peasy apart from the pesky John Lewis credit card which took 3 goes before the code got to me in time!!
Was sold on Google pay by my son, since downloading, never looked back,saves fiddling around for card holder or purse, for cards. As others have said , the wallet is useful for storing loyalty cards etc.
I should have added to my post above that you will need to have a Gmail account in order to put rail tickets, boarding passes into the Google wallet. But it's easy: just use your Gmail account to purchase your ticket and you're all set.
I have a Sony phone and DH has a Samsung. We're both new to this but had a quick tutorial from DD and, like Tanith everything now into Google wallet and we are good to go.