Spending through the Paymark network in January was up 5.5 percent to $4.5 billion compared with January last year, despite falling petrol prices.
Paymark's figures, which account for more than 75 percent of electronic transactions in New Zealand, show purchases jumped 9.7 percent from January last year.
Spending in furniture, flooring and homewares stores was up 12.1 percent, while spending through supermarkets and grocery stores rose more 10.3 percent.
Excluding supermarkets, spending on food and beverage services jumped 11.5 percent.
Paymark head of customer relations Mark Spicer said these were good indicators that continued growth could be expected through the rest of 2015.