Commercial card and charge cards are gently but steadily accounting for an increased share of spending on payment cards. With consumers also continuing to shift spending toward debit cards the classic personal credit card continues to show relatively tepid growth in the payments market.Analysis by MWE Consulting of the monthly data on payment cards from the RBA and APRA shows a continued growth in share of purchases on debit, up by 150 basis points on three years ago and an increase of almost 200 basis points over four years.Michael Ebstein of MWE said that although showing a lower share than three years ago, charge and commercial cards are now increasing share, having gained 30 basis points in the last three months.He said while personal credit cards continue to enjoy the largest share of purchases, this share is gradually being eroded.Personal credit cards remain the dominant product, accounting for 82 per cent of all spending and 92 per cent of outstanding balances (of around $40 billion in aggregate on credit cards).The recent rise in market share for commercial and charge cards may reflect the product positioning of banks. MWE's report shows that over the last two years the share of personal credit balances held by banks (but excluding GE Money) dipped almost five percentage points to 83.9 per cent. Of the four major banks only Westpac has maintained its share, with the smaller issuers generally reporting a more positive trend than the majors.