The seasonally adjusted electronic card transactions in New Zealand fell 1.1% month-over-month in January 2026, steeper than a 0.3% decline in the previous month. The latest result marked the fastest drop since January 2025, dragged by declines in some categories, including consumables (-0.9%), durables (-1.7%), hospitality (-2.1%), and fuel (-3.7%). In contrast, apparel (0.6%), motor vehicles excluding fuel (0.2%), and services (1.9%) posted gains. On an annual basis, total electronic card spending grew 0.4%, reversing a 0.5% fall in December. source: Statistics New Zealand

Credit Card Spending in New Zealand decreased to 6907 NZD Million in January from 6985 NZD Million in December of 2025. Credit Card Spending in New Zealand averaged 4538.51 NZD Million from 2002 until 2026, reaching an all time high of 7476.00 NZD Million in November of 2025 and a record low of 2145.00 NZD Million in November of 2002. This page provides - New Zealand Credit Card Spending- actual values, historical data, forecast, chart, statistics, economic calendar and news. New Zealand Credit Card Spending - data, historical chart, forecasts and calendar of releases - was last updated on February of 2026.

Credit Card Spending in New Zealand decreased to 6907 NZD Million in January from 6985 NZD Million in December of 2025. Credit Card Spending in New Zealand is expected to be 6900.00 NZD Million by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the New Zealand Credit Card Spending is projected to trend around 7150.00 NZD Million in 2027, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-02-15 09:45 PM
Electronic Retail Card Spending MoM
Jan -1.1% -0.3% 0.5%
2026-02-15 09:45 PM
Electronic Retail Card Spending YoY
Jan 0.4% -0.5% -0.4%


Related Last Previous Unit Reference
Consumer Spending 45596.00 45537.00 NZD Million Sep 2025
Electronic Retail Card Spending YoY 6907.00 6985.00 NZD Million Jan 2026
Retail Sales 0.90 1.90 percent Dec 2025
Retail Sales YoY 4.40 4.50 percent Dec 2025


New Zealand Credit Card Spending
In New Zealand, Electronic Retail Card Spending measures the credit card spending by individuals on consumables, durables, hospitality, apparel industry, motor vehicles and fuel. The electronic card transactions series covers all debit, credit, and charge card transactions with New Zealand-based merchants. It can be used to indicate changes in consumer spending and economic activity.
Actual Previous Highest Lowest Dates Unit Frequency
6907.00 6985.00 7476.00 2145.00 2002 - 2026 NZD Million Monthly
Current prices, SA

News Stream
New Zealand Credit Card Spending Drop the Most in A Year
The seasonally adjusted electronic card transactions in New Zealand fell 1.1% month-over-month in January 2026, steeper than a 0.3% decline in the previous month. The latest result marked the fastest drop since January 2025, dragged by declines in some categories, including consumables (-0.9%), durables (-1.7%), hospitality (-2.1%), and fuel (-3.7%). In contrast, apparel (0.6%), motor vehicles excluding fuel (0.2%), and services (1.9%) posted gains. On an annual basis, total electronic card spending grew 0.4%, reversing a 0.5% fall in December.
2026-02-15
New Zealand Electronic Card Spending Drops in December
Electronic card transactions in New Zealand decreased 0.1% month-over-month (seasonally adjusted) to NZD 11.0 billion in December 2025. Spending rose in some categories, notably fuel (1.1%) and hospitality (1.4%), while consumables (-0.1%) and services (-2.1%) fell. On the other hand, apparel (-3.6%), motor vehicles, excluding fuel (-1.8%), and durables (-0.1%) all declined. On an annual basis, total electronic card spending decreased 1% in December, following a 1.8% rise a month earlier.
2026-01-21
New Zealand Electronic Card Spending Rises in November
Electronic card transactions in New Zealand rose 1.2% month-over-month (seasonally adjusted) to NZD 7.01 billion in November 2025. Spending increased in several categories, including consumables (0.4%), fuel (1.8%), and services were up 2.8%. On the other hand, durables (2.1%), hospitality (1.3%), apparel (3.4%), vehicles (2.6%) all rose. On an annual basis, total electronic card spending increased 1.8% in November, following a 0.8% rise a month earlier, reflecting steady but moderate growth in consumer activity.
2025-12-11