Credit Card Usage Statistics in Austria (2026)

In 2021, 51.3% of adults in Austria used a credit card, according to World Bank Global Findex data. Up from 39.1% in 2017 to 51.3% in 2021 (+12.2 percentage points). Austria ranks #4 of 46 economies in Europe & Central Asia on this measure, and #11 of 142 globally.

Key Statistics

Latest value (2021): 51.3% (2021); Credit Card Usage in Austria as of 2021, the most recent observation in World Bank Global Findex data.
Change since 2017: +12.2 pp (2021); Up from 39.1% in 2017 to 51.3% in 2021 (+12.2 percentage points).
Earliest value in this dataset (2014): 34.6% (2014); Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 34.6% in 2014 to 51.3% in 2021.
Record high (2021): 51.3% (2021); The 2021 value is the highest in the available World Bank Global Findex series for Austria.
Rank in Europe & Central Asia: #4 of 46 (2021); Austria ranks 4 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
Global rank: #11 of 142 (2021); Austria ranks 11 of 142 countries with data globally.
Europe & Central Asia average: 26.3% (2021); Austria (51.3%) is above the average of 26.3% across the 46 countries in Europe & Central Asia with data.
Owns a credit card (% age 15+) (2021): 59% (2021); Related indicator from World Bank Global Findex.
Internet use in Austria (2025): 91.9% (2025); 91.9% of the population in Austria used the internet in 2025 (World Bank); shown for context only.
Population (2024): 9.2 million (2024); Austria had a population of 9.2 million in 2024 (World Bank); shown for scale only.

Trend, 2014–2021

Credit Card Usage in Austria by year (% of adults (age 15+))
Year	% of adults (age 15+)	Change
2021	51.3%	+12.2 pp
2017	39.1%	+4.5 pp
2014	34.6%	—

Fig. 1 — Credit Card Usage in Austria, 2014–2021

Frequently asked questions

What share of adults in Austria used a credit card?

51.3% of adults in Austria used a credit card in 2021, according to World Bank Global Findex data.

Where does the credit card usage data for Austria come from?

The data comes from the World Bank Global Findex (indicator fin22g). The latest observation for Austria is from 2021; the snapshot was retrieved on 2026-06-10.

How has credit card usage in Austria changed over time?

World Bank Global Findex data show a rise from 34.6% in 2014 to 51.3% in 2021.

How does Austria compare with other countries in Europe & Central Asia?

Austria ranks 4 of 46 countries in Europe & Central Asia with data, with 51.3% versus a regional average of 26.3% (latest values per country).

Where does Austria rank globally on credit card usage?

Austria ranks 11 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.

Source & methodology

Source: World Bank Global Findex, indicator fin22g, retrieved 2026-06-10.

Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.

Last updated 2026-06-10.