new delhi credit card users spent the most on shopping and digital payments in 2021 data collected by online payments app cred showedequated monthly instalments emis food and utility bills were the other areas for which people used their credit cardwhile a total of rs 52000 crore was spent on shopping digital wallets saw credit card users spend rs 40000 crore a massive rs 7850 crore was spent on travel alone while food and beverages saw expenditure worth rs 12500 croreoctober recorded the highest expenditure on shopping with rs 7535 crore being spent via credit cards the five months between june and october witnessed an increase in adoption of digital payments and wallets as more people opted for paying rent and education fees via credit similarly credit card spending on ecommerce shopping soared during january to april and august to october during the festive seasons expenditure on food and utility bills remained consistent through the year while food and beverages saw high spending after the lockdown restrictions were eased from july onwardsrs 7850 crore spent on travel maldives top international destinationas travel restrictions eased and indias vaccination drive picked pace people started travelling with a vengence travel expenditure touched a whopping rs 110311 crore in september higher than any other month in 2021 the spending remained high in october too with cred members spending rs 1091 crore on travel may and june saw 24 lakh transactions amounting to a total of rs 675 crore however july saw travel related credit card spend rising to rs 60226 crore maldives and dubai which opened borders to indians were the most picked international destinations of 2021 within india popular destinations were goa coorg jaipur udaipur bangalore and mumbaiwellness and personal carein july the expenditure on wellness was amounted to rs 3116 crore which rose to rs 4345 crore in august while september recorded the highest spending at rs 4496 crore products like mens grooming and fragrances gained popularityjanuary to march saw the highest spending on fitness january recorded rs 4080 crore credit card expenses on expenditure on fitness while february and march saw rs 3897 crore and rs 354 crore being spent respectively pentup spending on food and beverages since july from march to may credit card users spent over rs 1000 crore collectively on food and beverages as the pandemic restrictions were strict and online food deliveries were the only alternative to dining out there was a drastic increase from july to october as the restrictions were lifted across various states and people started venturing out to eateries cafes and bars august recorded expenses of rs 1750 crore and september recorded the highest transactions and payments made on food and beverages at rs 1727 crore october saw a slight dip at rs 1427 crore being spent festive season sees spike in shoppingfestive season continued to be a busy period seeing a large number of transactions on gifts clothes accessories electronics among other things october recorded the highest expenditure on shopping with