Where are people spending the most using credit cards? RBI data might surprise you.

According to RBI data, ₹2.08 lakh crore was spent via credit cards in July 2026. This figure exceeds the ₹2.01 lakh crore spent in June and the ₹1.93 lakh crore spent in July 2025.

Credit Card Spending News: If you use a credit card for shopping, online payments, or other needs, these figures from the Reserve Bank of India (RBI) might surprise you. Credit card spending across the country is consistently rising. In July 2026, total spending via credit cards stood at approximately ₹2.08 lakh crore, a significant increase compared to July of the previous year.

Moreover, this marks the third consecutive month where card spending has crossed the ₹2 lakh crore mark. These figures clearly indicate that people are increasingly using credit cards for payments and shopping. Let’s take a look at which banks' cards saw the highest spending.

How much has credit card spending increased?