Credit card usage in India is growing fast in 2025. People are using their cards more than ever to shop online, pay bills, and enjoy rewards. With over ₹21.16 lakh crore spent using credit cards this year, it is clear that India is becoming a credit-savvy country.
But which cities are spending the most? Let us take a closer look.
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Credit Card Growth as per RBI
Even though the Reserve Bank of India made some rules stricter in 2023, credit card spending still increased by 14.5% in May 2025. That means people spent ₹1.89 trillion in just one month.
Here are some key numbers:
- Total credit card portfolio is approx INR 2.87 lakh crore (as of February 2025)
- Monthly transaction volume rise by 31% from last year
- Online vs offline: 63.3% of spending happens online only
- Average online transaction is INR 5,200
- Average offline (POS) transaction: INR 2,900
Top 10 Cities by Credit Card Spending:
Based on bank reports and market estimates, these cities are leading the way in credit card usage:
| Rank | City | Estimated Monthly Spend (₹ Cr) | YOY Growth (%) |
|---|---|---|---|
| 1 | Mumbai | 22,000 | 12.5% |
| 2 | Delhi NCR | 20,500 | 13.2% |
| 3 | Bengaluru | 18,200 | 15.8% |
| 4 | Hyderabad | 14,700 | 16.1% |
| 5 | Chennai | 13,900 | 14.3% |
| 6 | Pune | 10,800 | 17.5% |
| 7 | Ahmedabad | 9,200 | 11.9% |
| 8 | Kolkata | 8,600 | 9.7% |
| 9 | Jaipur | 6,300 | 18.2% |
| 10 | Chandigarh | 5,100 | 19.4% |
Who Benefits When Credit Card Usage Grows in India?
- Banks: They earn money from fees and interest and if you missed the the payment then make money by huge panalty.
- Fintechs: They get more users for their digital cards and get data like where a perticular user spent more money.
- Shops and Online Stores: People buy more, so sales go up.
- Customers: They get cashback, rewards, and easy payments.
- Payment Companies (Visa, Mastercard, RuPay): More swipes mean more income for them.
Top 10 Countries by Credit Card Usage (2025)
| Rank | Country | % of Adults Using Credit Cards |
|---|---|---|
| 1 | Canada | 83% |
| 2 | United States | 79% |
| 3 | Japan | 76% |
| 4 | United Kingdom | 68% |
| 5 | Italy | 57.8% |
| 6 | Germany | 56.6% |
| 7 | Brazil | 40.4% |
| 8 | France | 43.1% |
| 9 | China | 37.8% |
| 10 | India | 4.6% |
India’s credit card use is still very low compared to other big economies. Only about 4–5 out of every 100 adults here use credit card. In countries like Canada or the United States, that number is more than 75 out of 100.
This gap means there is a lot of room for growth. By 2030, India might be much closer to the global average, making it one of the fastest‑growing credit card markets anywhere.
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