Credit cards, once associated with emergencies or luxury purchases, have evolved into everyday financial tools for millions of Indians. From groceries and metro rides to travel and e-commerce, cards are now integral to daily spending — reflecting both rising digital adoption and changing consumer behaviour.

“Over the past few years, credit card usage in India has completely transformed — both in scale and in the way consumers are using them. What was once seen as a premium urban product has now become a mainstream financial tool across cities and income groups,” said Ashish Lath, Founder and CEO of SaveSage, an Indian financial technology platform.

According to RBI data, the number of active cards more than doubled from around 5.5 crore in 2019 to over 10.8 crore by the end of 2024, with

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