UPDATE 1-Visa's profit beats estimates as card users spend more

* Second-quarter adjusted profit $2.20/Class A share vs est. $2.18

* Total operating revenue rises 7 pct to $3.16 bln

(Adds details, estimates)

April 24 (Reuters) - Visa Inc, the world's largest credit and debit card company, reported a higher-than-expected 26 percent rise in quarterly profit as consumers spent more using cards on its network.

Visa and rival Mastercard Inc have been helped by increasing consumer spending in the United States and a shift to plastic payments in emerging markets.

Visa said total payments volume grew about 12 percent, on a constant dollar basis, to $1.1 trillion in the second quarter ended March 31.

Net income attributable to the company rose to $1.60 billion, or $2.52 per Class A share, from $1.27 billion, or $1.92 per Class A share, a year earlier.

Visa earned $2.20 per share, excluding a tax benefit of $218 million in the quarter.

Total operating revenue rose 7 percent to $3.16 billion.

Analysts on average had expected a profit of $2.18 per share on revenue of $3.19 billion, according to Thomson Reuters I/B/E/S.

Shares of the Foster City, California-based company closed at $209.40 on the New York Stock Exchange on Thursday.

(Reporting by Aman Shah in Bangalore; Editing by Savio D'Souza and Kirti Pandey)