Credit card spends moderate in Jan from festival highs in Dec

February 26, 2026

Credit card spending in India moderated in January to Rs 1.99 lakh crore, down from December’s festival-led high but up over 8% year-on-year. This indicates a normalization of growth after a festive surge, with active card numbers rising to 116.6 million, though new additions slowed due to tighter underwriting and regulatory caution.

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