How much do Indians spend on credit cards each month?

History

The RBI publishes credit card payments at shops (PoS) and online (e-commerce) for each bank; we add the two. Cash withdrawals on credit cards and a small 'others' category are left out. Spend per card divides by all 124.05 million cards, including ones rarely used.

The figures side by side

How we got this number

1. Open the RBI's Bankwise ATM/POS/Card Statistics for August 2026 and read the Total row for credit cards.
2. Add the PoS value (793550946 thousand rupees) and the online e-commerce value (1229797145 thousand rupees): ₹2,02,335 crore, or ₹2.02 lakh crore.
3. Repeat for each month from August 2025 to build the history, and check against news reports of the same RBI data (₹2.02 trillion in August, ₹2.08 trillion in July).

What this number does not tell you

• The RBI marks these monthly tables provisional and revises some months later, so older months can move slightly.
• Spending jumps in festive and year-end months (₹2.17 lakh crore in September 2025, ₹2.19 lakh crore in March 2026), so compare with the same month a year earlier.
• This is card spend by value. It does not show how much is repaid or rolled over as debt.

Sources

1. Reserve Bank of India, Bankwise ATM/POS/Card Statistics, August 2026, August 2026 — Total row of the RBI table (columns 7, 10 and 12) with their column headings; the data is marked provisional.ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026. Number - Outstanding (as on month end), Credit Card: Total 124053544. Credit Cards, Card Payments Transactions at PoS, Value (in Rs'000): Total 793550946. Credit Cards, Online (e-com), Value (in Rs'000): Total 1229797145.
2. Reserve Bank of India, Bankwise ATM/POS/Card Statistics, July 2026, July 2026ATM, Acceptance Infrastructure and Card Statistics for the Month of July 2026. Credit Cards, Card Payments Transactions at PoS, Value (in Rs'000): Total 757403699. Credit Cards, Online (e-com), Value (in Rs'000): Total 1323389557.
3. Reserve Bank of India, Bankwise ATM/POS/Card Statistics, August 2025, August 2025ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2025. Credit Cards, Card Payments Transactions at PoS, Value (in Rs'000): Total 727533230. Credit Cards, Online (e-com), Value (in Rs'000): Total 1183810975.
4. RBI data reported by Angel One, 25 September 2026In August 2026, credit card spending in India decreased by 2.8% to ₹2.02 trillion, as reported by the Reserve Bank of India (RBI), as per news reports. ... Credit card spending dropped from ₹2.08 trillion in July to ₹2.02 trillion in August 2026. The reduction was largely attributed to a 7% decline in online spending, which fell to ₹1.23 trillion. ... The total number of outstanding credit cards rose to 124.05 million in August 2026, up from 122.85 million in July 2026

Worked out by us: 1.91 (₹ lakh crore spent in Aug 2025: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=174, Total row, credit card PoS value 727533230 + online (e-com) value 1183810975 (Rs'000), ÷ 10,00,00,000); 2.17 (₹ lakh crore spent in Sep 2025: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=175, Total row, credit card PoS value 725438998 + online (e-com) value 1441177814 (Rs'000), ÷ 10,00,00,000); 2.14 (₹ lakh crore spent in Oct 2025: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=176, Total row, credit card PoS value 883569958 + online (e-com) value 1258196081 (Rs'000), ÷ 10,00,00,000); 1.89 (₹ lakh crore spent in Nov 2025: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=177, Total row, credit card PoS value 756398668 + online (e-com) value 1130994464 (Rs'000), ÷ 10,00,00,000); 2.05 (₹ lakh crore spent in Dec 2025: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=178, Total row, credit card PoS value 784764839 + online (e-com) value 1261427802 (Rs'000), ÷ 10,00,00,000); 1.99 (₹ lakh crore spent in Jan 2026: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=179, Total row, credit card PoS value 759878304 + online (e-com) value 1230212508 (Rs'000), ÷ 10,00,00,000); 1.77 (₹ lakh crore spent in Feb 2026: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=180, Total row, credit card PoS value 674354050 + online (e-com) value 1097808697 (Rs'000), ÷ 10,00,00,000); 2.19 (₹ lakh crore spent in Mar 2026: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=181, Total row, credit card PoS value 784704542 + online (e-com) value 1409340082 (Rs'000), ÷ 10,00,00,000); 1.97 (₹ lakh crore spent in Apr 2026: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=182, Total row, credit card PoS value 738346872 + online (e-com) value 1233461032 (Rs'000), ÷ 10,00,00,000); 2.01 (₹ lakh crore spent in Jun 2026: RBI Bankwise ATM/POS/Card Statistics https://rbi.org.in/Scripts/ATMView.aspx?atmid=184, Total row, credit card PoS value 742620678 + online (e-com) value 1269994646 (Rs'000), ÷ 10,00,00,000); 79,355 (₹ crore spent at PoS in August 2026: RBI credit card PoS value 793550946 (Rs'000) ÷ 10,000); 1,22,980 (₹ crore spent online (e-com) in August 2026: RBI credit card online value 1229797145 (Rs'000) ÷ 10,000); 2,02,335 (₹ crore total credit card spend in August 2026: PoS 793550946 + online 1229797145 (Rs'000) ÷ 10,000); 5.9 (% growth, August 2026 over August 2025: (793550946 + 1229797145) ÷ (727533230 + 1183810975) − 1); 16,310 (₹ spend per card in August 2026: (793550946 + 1229797145) × 1,000 ÷ 124053544 credit cards outstanding).

Questions people ask

How much do Indians spend on credit cards in a month?

₹2.02 lakh crore in August 2026, per RBI data: ₹79,355 crore at shops and ₹1,22,980 crore online.

Is credit card spending in India growing?

Year on year, yes: August 2026 spend was 5.9% higher than August 2025 (₹1.91 lakh crore). It fell from ₹2.08 lakh crore in July 2026.

How much is spent per credit card each month in India?

About ₹16,310 per card in August 2026: ₹2.02 lakh crore across 124.05 million cards (RBI). Many cards are used little, so active cards spend more.

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This figure is from RBI's own release or a report quoting it. We recheck it monthly. If you have a newer or better source, send it to us.