In January, shoppers spent £46.5bn on the plastic, with £15.4bn of that over the internet, according to the UK Cards Association.
Overall spending on cards rose 7.3 per cent on the year, with debit cards leading the way.
January saw £34.3bn spent on debit cards, a rise of 8.3 per cent on the year, while credit card spending increased 5.1 per cent to £14.5bn.
The number of transactions also broke the 1bn mark in January, up from 962m a year earlier.
Customers are increasingly making large purchases online – while 30 per cent of all spending was on websites, online purchases accounted for only 12.3 per cent of the number of card transactions.
Entertainment purchases accounted for 27 per cent of online transactions, while food sales made up only seven per cent of purchases.