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Sector-wise breakdown of domestic credit card spending, as of February 2026. Department stores dominated domestic credit card usage with a commanding 45.36%, reflecting everyday purchases, strong promotional offers, and widespread acceptance. Retail outlet services followed at 12.01%, with utility bills (8.68%), clothing stores (7.92%), cash withdrawals (7.52%), and drug & pharmacies (6.20%) forming a substantial mid-tier—highlighting a mix of essential and lifestyle spending. Smaller shares came from government services (4.24%), transportation (2.77%), business services (2.76%), fund transfers (1.74%), and professional services (0.80%), rounding out a spending pattern largely driven by convenience, necessity, and accessibility.