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Credit Cards in China

December 2022
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USD 1,195
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Overview:

Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in China with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Credit Card Transactions industry in China, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Credit Card Transactions in China report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Credit Card Transactions in China?
  • What are the major trends key to understanding Credit Card Transactions in China?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?
Download Table of Contents

Credit Cards in China - Category analysis

Credit Cards in China - Company Profile

KEY DATA FINDINGS

China tightens credit card regulation
Leveraging ecosystems to acquire new customers
American Express partners with local e-commerce player
Low carbon footprint card
Greater scrutiny of credit card applications and move to BNPL
Table 1 Credit Cards: Number of Cards in Circulation 2017-2022
Table 2 Credit Cards Transactions 2017-2022
Table 3 Credit Cards in Circulation: % Growth 2017-2022
Table 4 Credit Cards Transactions: % Growth 2017-2022
Table 5 Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 6 Commercial Credit Cards Transactions 2017-2022
Table 7 Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 8 Commercial Credit Cards Transactions: % Growth 2017-2022
Table 9 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 10 Personal Credit Cards Transactions 2017-2022
Table 11 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 12 Personal Credit Cards Transactions: % Growth 2017-2022
Table 13 Credit Cards: Number of Cards by Issuer 2017-2021
Table 14 Credit Cards: Number of Cards by Operator 2017-2021
Table 15 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 16 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 17 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 18 Commercial Credit Cards: Number of Cards by Operator 2017-2021
Table 19 Commercial Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 20 Commercial Credit Cards Payment Transaction Value by Operator 2017-2021
Table 21 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 22 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 23 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 24 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 25 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 26 Forecast Credit Cards Transactions 2022-2027
Table 27 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 28 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 29 Forecast Commercial Credit Cards: Number of Cards in Circulation 2022-2027
Table 30 Forecast Commercial Credit Cards Transactions 2022-2027
Table 31 Forecast Commercial Credit Cards in Circulation: % Growth 2022-2027
Table 32 Forecast Commercial Credit Cards Transactions: % Growth 2022-2027
Table 33 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 34 Forecast Personal Credit Cards Transactions 2022-2027
Table 35 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 36 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in China - Category analysis

Debit Cards in China - Company Profile

KEY DATA FINDINGS

Debit cards remains dominant within financial cards
Major banks lower fees for debit card services
American Express enters debit cards in China
Virtual debit card gaining traction
Domestic issuer leverages foreign operators
Table 37 Debit Cards: Number of Cards in Circulation 2017-2022
Table 38 Debit Cards Transactions 2017-2022
Table 39 Debit Cards in Circulation: % Growth 2017-2022
Table 40 Debit Cards Transactions: % Growth 2017-2022
Table 41 Debit Cards: Number of Cards by Issuer 2017-2021
Table 42 Debit Cards: Number of Cards by Operator 2017-2021
Table 43 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 44 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 45 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 46 Forecast Debit Cards Transactions 2022-2027
Table 47 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 48 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in China - Category analysis

Pre-Paid Cards in China - Company Profile

KEY DATA FINDINGS

Increased government supervision over open loop pre-paid cards
National public transit card
Apple Pay exploring public transit card market
Leveraging e-CNY
Card integration with contract tracing information
Table 49 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 50 Pre-paid Cards Transactions 2017-2022
Table 51 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 52 Pre-paid Cards Transactions: % Growth 2017-2022
Table 53 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 54 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 55 Open Loop Pre-paid Cards Transactions 2017-2022
Table 56 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 57 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 58 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 59 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 60 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 61 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 62 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 63 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 64 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 65 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 66 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 67 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 68 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 69 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 70 Forecast Pre-paid Cards Transactions 2022-2027
Table 71 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 72 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 73 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 74 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 75 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 76 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Financial Cards and Payments in China - Industry Overview

Financial cards and payments in 2022: The big picture
Broader use of the digital yuan
Increased regulatory restrictions
Competitive landscape
What next for financial cards and payments?
Table 77 Number of POS Terminals: Units 2017-2022
Table 78 Number of ATMs: Units 2017-2022
Table 79 Value Lost to Fraud 2017-2022
Table 80 Card Expenditure by Location 2022
Table 81 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 82 Domestic versus Foreign Spend 2022
Table 83 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 84 Financial Cards by Category: Number of Accounts 2017-2022
Table 85 Financial Cards Transactions by Category: Value 2017-2022
Table 86 Financial Cards by Category: Number of Transactions 2017-2022
Table 87 Commerical Payments by Category: Value 2017-2022
Table 88 Commercial Payments by Category: Number of Transactions 2017-2022
Table 89 Personal Payments by Category: Value 2017-2022
Table 90 Personal Payments by Category: Number of Transactions 2017-2022
Table 91 M-Commerce by Category: Value 2017-2022
Table 92 M-Commerce by Category: % Value Growth 2017-2022
Table 93 Financial Cards: Number of Cards by Issuer 2017-2021
Table 94 Financial Cards: Number of Cards by Operator 2017-2021
Table 95 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 96 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 97 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 98 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 99 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 100 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 101 Forecast Commercial Payments by Category: Value 2022-2027
Table 102 Forecast Commercial Payments by Category: Number of Transactions 2022-2027
Table 103 Forecast Personal Payments by Category: Value 2022-2027
Table 104 Forecast Personal Payments by Category: Number of Transactions 2022-2027
Table 105 Forecast M-Commerce by Category: Value 2022-2027
Table 106 Forecast M-Commerce by Category: % Value Growth 2022-2027

DISCLAIMER

Summary 1 Research Sources
The following categories and subcategories are included:

Credit Card Transactions

  • Commercial Credit Card Transactions
    • Average Personal Credit Card Balance
    • Average Personal Credit Card Limit
    • Personal Credit Card Utilisation

Credit Card Transactions

Credit cards allow for purchases against a preapproved line of credit. The account holder has the choice of whether to pay off the entire balance each month or opt for monthly instalments with the balance serving as revolving credit. If the cardholder decides to revolve a balance, the consumer pays interest. Credit cards can include affinity cards, reward cards and types of co-branded cards. Co-branded retailer cards—issued by retailers acting as financial institutions and without usage restrictions—are included in this category. Cards issued by a retailer with usage limited to a specific store within a predefined retail group fall under the store cards definition. Debit cards with an overdraft function are not counted as cards with a credit function.

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This report originates from Passport, our Credit Card Transactions research and analysis database.

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