New Delhi, Aug. 12 -- India is currently witnessing a surge in credit card adoption, with around 111 million cards in circulation as of May 2025. This figure is nearly double that of the late-2019 figure. Monthly spending has also soared, touching Rs.1.89 trillion in May, marking a 14.5% year-on-year jump driven by digital adoption, upgrades in technology, and rising incomes across both smaller cities and metros.

Still, behind every swipe, tap, or click lies more than just a purchase; each transaction quietly shapes your credit profile, credit history, and influences your credit score. It leaves a lasting imprint on how lending institutions view you when you apply for future loans or credit cards.

Your credit card repayment history and ...