diff --git a/packages/SystemUI/res/values/strings.xml b/packages/SystemUI/res/values/strings.xml
index 054abe2b3c002..fba62691c951b 100644
--- a/packages/SystemUI/res/values/strings.xml
+++ b/packages/SystemUI/res/values/strings.xml
@@ -1637,8 +1637,12 @@
     <string name="wallet_button_label_device_unlocked">Show all</string>
     <!-- Label of the button underneath the card carousel when device is locked. [CHAR LIMIT=NONE] -->
     <string name="wallet_button_label_device_locked">Unlock to pay</string>
-    <!-- Secondary label of the quick access wallet tile. [CHAR LIMIT=32] -->
-    <string name="wallet_secondary_label">Ready</string>
+    <!-- Secondary label of the quick access wallet tile if active. [CHAR LIMIT=32] -->
+    <string name="wallet_secondary_label_active">Ready</string>
+    <!-- Secondary label of the quick access wallet tile if no card. [CHAR LIMIT=NONE] -->
+    <string name="wallet_secondary_label_no_card">Set up payment</string>
+    <!-- Secondary label of the quick access wallet tile if device locked. [CHAR LIMIT=NONE] -->
+    <string name="wallet_secondary_label_device_locked">Unlock to use</string>
     <!-- Message shown when an unknown failure occurred when fetching cards. [CHAR LIMIT=NONE] -->
     <string name="wallet_error_generic">There was a problem getting your cards, please try again later</string>
 
diff --git a/packages/SystemUI/src/com/android/systemui/qs/tiles/QuickAccessWalletTile.java b/packages/SystemUI/src/com/android/systemui/qs/tiles/QuickAccessWalletTile.java
index 032e47e657301..bf9655837b256 100644
--- a/packages/SystemUI/src/com/android/systemui/qs/tiles/QuickAccessWalletTile.java
+++ b/packages/SystemUI/src/com/android/systemui/qs/tiles/QuickAccessWalletTile.java
@@ -71,6 +71,7 @@ public class QuickAccessWalletTile extends QSTileImpl<QSTile.State> {
     private final FeatureFlags mFeatureFlags;
 
     @VisibleForTesting Drawable mCardViewDrawable;
+    private boolean mHasCard;
 
     @Inject
     public QuickAccessWalletTile(
@@ -128,15 +129,27 @@ public class QuickAccessWalletTile extends QSTileImpl<QSTile.State> {
         state.icon = ResourceIcon.get(R.drawable.ic_qs_wallet);
         boolean isDeviceLocked = !mKeyguardStateController.isUnlocked();
         if (mQuickAccessWalletClient.isWalletFeatureAvailable()) {
-            state.state = isDeviceLocked ? Tile.STATE_INACTIVE : Tile.STATE_ACTIVE;
-            state.secondaryLabel = isDeviceLocked
-                    ? null
-                    : mContext.getString(R.string.wallet_secondary_label);
+            if (mHasCard) {
+                if (isDeviceLocked) {
+                    state.state = Tile.STATE_INACTIVE;
+                    state.secondaryLabel =
+                            mContext.getString(R.string.wallet_secondary_label_device_locked);
+                } else {
+                    state.state = Tile.STATE_ACTIVE;
+                    state.secondaryLabel =
+                            mContext.getString(R.string.wallet_secondary_label_active);
+                }
+            } else {
+                state.state = Tile.STATE_INACTIVE;
+                state.secondaryLabel = mContext.getString(R.string.wallet_secondary_label_no_card);
+            }
             state.stateDescription = state.secondaryLabel;
         } else {
             state.state = Tile.STATE_UNAVAILABLE;
         }
-        state.sideViewDrawable = mCardViewDrawable;
+        if (!isDeviceLocked) {
+            state.sideViewDrawable = mCardViewDrawable;
+        }
     }
 
     @Override
@@ -184,10 +197,12 @@ public class QuickAccessWalletTile extends QSTileImpl<QSTile.State> {
             if (cards.isEmpty()) {
                 Log.d(TAG, "No wallet cards exist.");
                 mCardViewDrawable = null;
+                mHasCard = false;
                 refreshState();
                 return;
             }
             mCardViewDrawable = cards.get(0).getCardImage().loadDrawable(mContext);
+            mHasCard = true;
             refreshState();
         }
 
@@ -195,6 +210,7 @@ public class QuickAccessWalletTile extends QSTileImpl<QSTile.State> {
         public void onWalletCardRetrievalError(@NonNull GetWalletCardsError error) {
             Log.w(TAG, "Error retrieve wallet cards");
             mCardViewDrawable = null;
+            mHasCard = false;
             refreshState();
         }
     }
diff --git a/packages/SystemUI/tests/src/com/android/systemui/qs/tiles/QuickAccessWalletTileTest.java b/packages/SystemUI/tests/src/com/android/systemui/qs/tiles/QuickAccessWalletTileTest.java
index 96d797903a23d..f57283ff950d6 100644
--- a/packages/SystemUI/tests/src/com/android/systemui/qs/tiles/QuickAccessWalletTileTest.java
+++ b/packages/SystemUI/tests/src/com/android/systemui/qs/tiles/QuickAccessWalletTileTest.java
@@ -133,6 +133,7 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
         when(mHost.getContext()).thenReturn(mContext);
         when(mHost.getUiEventLogger()).thenReturn(mUiEventLogger);
         when(mFeatureFlags.isQuickAccessWalletEnabled()).thenReturn(true);
+        when(mQuickAccessWalletClient.isWalletFeatureAvailable()).thenReturn(true);
 
         mTile = new QuickAccessWalletTile(
                 mHost,
@@ -189,11 +190,11 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
 
     @Test
     public void testHandleUpdateState_updateLabelAndIcon() {
-        QSTile.Icon icon = QSTileImpl.ResourceIcon.get(R.drawable.ic_qs_wallet);
         QSTile.State state = new QSTile.State();
+        QSTile.Icon icon = QSTileImpl.ResourceIcon.get(R.drawable.ic_qs_wallet);
         when(mQuickAccessWalletClient.getServiceLabel()).thenReturn("QuickAccessWallet");
 
-        mTile.handleUpdateState(state, new Object());
+        mTile.handleUpdateState(state, null);
 
         assertEquals("QuickAccessWallet", state.label.toString());
         assertTrue(state.label.toString().contentEquals(state.contentDescription));
@@ -201,41 +202,63 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
     }
 
     @Test
-    public void testHandleUpdateState_deviceLocked_tileInactive() {
-        QSTile.State state = new QSTile.State();
+    public void testHandleUpdateState_hasCard_deviceLocked_tileInactive() {
         when(mKeyguardStateController.isUnlocked()).thenReturn(false);
-        when(mQuickAccessWalletClient.isWalletFeatureAvailable()).thenReturn(true);
+        QSTile.State state = new QSTile.State();
+        setUpWalletCard(/* hasCard= */ true);
 
-        mTile.handleUpdateState(state, new Object());
+        mTile.handleUpdateState(state, null);
 
         assertEquals(Tile.STATE_INACTIVE, state.state);
-        assertNull(state.stateDescription);
+        assertEquals(
+                mContext.getString(R.string.wallet_secondary_label_device_locked),
+                state.secondaryLabel);
+        assertNotNull(state.stateDescription);
+        assertNull(state.sideViewDrawable);
     }
 
     @Test
-    public void testHandleUpdateState_deviceLocked_tileActive() {
-        QSTile.State state = new QSTile.State();
+    public void testHandleUpdateState_hasCard_deviceUnlocked_tileActive() {
         when(mKeyguardStateController.isUnlocked()).thenReturn(true);
-        when(mQuickAccessWalletClient.isWalletFeatureAvailable()).thenReturn(true);
+        QSTile.State state = new QSTile.State();
+        setUpWalletCard(/* hasCard= */ true);
 
-        mTile.handleUpdateState(state, new Object());
+        mTile.handleUpdateState(state, null);
 
         assertEquals(Tile.STATE_ACTIVE, state.state);
-        assertTrue(state.secondaryLabel.toString().contentEquals(state.stateDescription));
         assertEquals(
-                getContext().getString(R.string.wallet_secondary_label),
-                state.secondaryLabel.toString());
+                mContext.getString(R.string.wallet_secondary_label_active),
+                state.secondaryLabel);
+        assertNotNull(state.stateDescription);
+        assertNotNull(state.sideViewDrawable);
+    }
+
+
+    @Test
+    public void testHandleUpdateState_noCard_tileInactive() {
+        QSTile.State state = new QSTile.State();
+        setUpWalletCard(/* hasCard= */ false);
+
+        mTile.handleUpdateState(state, null);
+
+        assertEquals(Tile.STATE_INACTIVE, state.state);
+        assertEquals(
+                mContext.getString(R.string.wallet_secondary_label_no_card),
+                state.secondaryLabel);
+        assertNotNull(state.stateDescription);
+        assertNull(state.sideViewDrawable);
     }
 
     @Test
     public void testHandleUpdateState_qawFeatureUnavailable_tileUnavailable() {
-        QSTile.State state = new QSTile.State();
-        when(mKeyguardStateController.isUnlocked()).thenReturn(true);
         when(mQuickAccessWalletClient.isWalletFeatureAvailable()).thenReturn(false);
+        QSTile.State state = new QSTile.State();
 
-        mTile.handleUpdateState(state, new Object());
+        mTile.handleUpdateState(state, null);
 
         assertEquals(Tile.STATE_UNAVAILABLE, state.state);
+        assertNull(state.stateDescription);
+        assertNull(state.sideViewDrawable);
     }
 
     @Test
@@ -258,23 +281,16 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
     }
 
     @Test
-    public void testHandleSetListening_queryCards_hasCards_updateSideViewDrawable() {
-        GetWalletCardsResponse response =
-                new GetWalletCardsResponse(
-                        Collections.singletonList(createWalletCard(mContext)), 0);
-
-        mTile.handleSetListening(true);
-
-        verify(mQuickAccessWalletClient).getWalletCards(any(), any(), mCallbackCaptor.capture());
-
-        mCallbackCaptor.getValue().onWalletCardsRetrieved(response);
-        mTestableLooper.processAllMessages();
+    public void testQueryCards_hasCards_updateSideViewDrawable() {
+        when(mKeyguardStateController.isUnlocked()).thenReturn(true);
+        setUpWalletCard(/* hasCard= */ true);
 
         assertNotNull(mTile.getState().sideViewDrawable);
     }
 
     @Test
     public void testState_queryCards_hasCards_then_noCards() {
+        when(mKeyguardStateController.isUnlocked()).thenReturn(true);
         GetWalletCardsResponse responseWithCards =
                 new GetWalletCardsResponse(
                         Collections.singletonList(createWalletCard(mContext)), 0);
@@ -304,22 +320,14 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
     }
 
     @Test
-    public void testHandleSetListening_queryCards_noCards_notUpdateSideViewDrawable() {
-        QSTile.State state = new QSTile.State();
-        GetWalletCardsResponse response = new GetWalletCardsResponse(Collections.EMPTY_LIST, 0);
-
-        mTile.handleSetListening(true);
-
-        verify(mQuickAccessWalletClient).getWalletCards(any(), any(), mCallbackCaptor.capture());
-
-        mCallbackCaptor.getValue().onWalletCardsRetrieved(response);
-        mTestableLooper.processAllMessages();
+    public void testQueryCards_noCards_notUpdateSideViewDrawable() {
+        setUpWalletCard(/* hasCard= */ false);
 
         assertNull(mTile.getState().sideViewDrawable);
     }
 
     @Test
-    public void testHandleSetListening_queryCards_error_notUpdateSideViewDrawable() {
+    public void testQueryCards_error_notUpdateSideViewDrawable() {
         String errorMessage = "getWalletCardsError";
         GetWalletCardsError error = new GetWalletCardsError(CARD_IMAGE, errorMessage);
 
@@ -340,6 +348,21 @@ public class QuickAccessWalletTileTest extends SysuiTestCase {
         verifyZeroInteractions(mQuickAccessWalletClient);
     }
 
+    private void setUpWalletCard(boolean hasCard) {
+        GetWalletCardsResponse response =
+                new GetWalletCardsResponse(
+                        hasCard
+                                ? Collections.singletonList(createWalletCard(mContext))
+                                : Collections.EMPTY_LIST, 0);
+
+        mTile.handleSetListening(true);
+
+        verify(mQuickAccessWalletClient).getWalletCards(any(), any(), mCallbackCaptor.capture());
+
+        mCallbackCaptor.getValue().onWalletCardsRetrieved(response);
+        mTestableLooper.processAllMessages();
+    }
+
     private WalletCard createWalletCard(Context context) {
         PendingIntent pendingIntent =
                 PendingIntent.getActivity(context, 0, mWalletIntent, PendingIntent.FLAG_IMMUTABLE);