Australians spent $19.365 billion on their credit and charge cards in June, an increase of 9.19 per cent from the previous month and the highest monthly total in 2009, new figures show.
The credit card spending data were published in the Reserve Bank of Australia's latest monthly bulletin.
The $19.365 billion was the largest monthly spend since December 2008, when the nation put $21.043 billion on the credit and charge cards.
The value of all purchases rose 8.94 per cent to $18.397 billion - the highest monthly total this year - while cash advances were up 14.19 per cent at $998 million.
But it was not all spending.
Australians also made $19.303 billion in repayments on their credit cards in June, up 7.27 per cent from the previous month.
The average credit card balance outstanding was $3127.05 in June, up 1.07 per cent from the previous month.
The figure was below $3100 in April and May.
Total credit and charge card balances outstanding were up 2.1 per cent in June compared to a year ago, compared with an average annual rise of 12.6 per cent over the preceding five years.
Meanwhile, total EFTPOS purchases, including cashouts, fell to $10.880 billion in June, from $11.365 billion in the previous month, a decrease of 4.3 per cent.
The value of EFTPOS purchases was up 16.1 per cent in the 12 months to June, compared with an average annual rise 12.7 per cent over the preceding five years.
Figures from the Australian Bureau of Statistics showed retail trade fell 1.4 per cent in June.