In the last year or so, I've started using my card more often when I go grocery shopping or when I'm buying other stuff. It's just more convenient to be able to pay without going to a cash-machine first, because you only have ten Euros or so left in your wallet. However, paying with card in restaurants or bars is not that widespread yet in restaurants or bars where I live (Austria). You can do it in most places, but it's more of an "emergency" thing whenever someone might not have enough cash with them. Other than that, most people still pay cash. But yeah, if paying by card becomes more common it might have an impact on the tips people are getting unless you can somehow put it on your bill or something like that. It's probably also an issue with stuff like food deliveries where you can pay with credit card or other means and don't have to hand over any money to the delivery guy. Whenever I order food, I usually pay in cash and give the delivery guy a small tip at the same time. Once I didn't have enough money at home so I paid by card or whatever and handed the delivery man 1,5 or 2 Euros. He was kind of surprised when I handed it over and it looked like he's not used to that.