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<h1>Credit card festive spending rose, with 42% spending over Rs.50,000 and cashback and no-cost EMI driving choices.</h1> The survey reports that over 42% of credit cardholders spent more than Rs. 50,000 during the festive season, with top categories being home appliances, mobiles and apparel. It highlights that 91% planned purchases around card offers, 71% held shopping-specific cards with cashback and rewards, cashback was the leading incentive, and No-Cost EMI was the predominant EMI option. Additionally, 48% preferred a mix of online and offline shopping, with major e-commerce platforms viewed as offering the best deals.