"Many categories have been digitised which has resulted in increased spends from existing customers using their credit cards," said Rama Mohan Rao Amara, MD & CEO, SBI Card.source https://economictimes.indiatimes.com/industry/banking/finance/banking/credit-card-outstanding-rises-29-6-pc-to-reach-record-high-level-in-jan/articleshow/98477627.cms
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