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Credit Cards in Portugal

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 Portugal 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 Portugal, 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 Portugal 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 Portugal?
  • What are the major trends key to understanding Credit Card Transactions in Portugal?
  • 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

Charge Cards in Portugal - Category analysis

Charge Cards in Portugal - Company Profile

KEY DATA FINDINGS

Low penetration of change cards in the country
Charge cards showing signs of recovery in 2022
Competitive landscape remains consolidated
Charge cards 2019 values to be reached by 2024
Competitive environment unlikely to see significant change over the forecast period
Competition from credit cards will continue to limit the category’s popularity
Table 1 Charge Cards: Number of Cards in Circulation 2017-2022
Table 2 Charge Cards Transactions 2017-2022
Table 3 Charge Cards in Circulation: % Growth 2017-2022
Table 4 Charge Cards Transactions: % Growth 2017-2022
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 6 Commercial Charge Cards Transactions 2017-2022
Table 7 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 8 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 9 Charge Cards: Number of Cards by Issuer 2017-2021
Table 10 Charge Cards: Number of Cards by Operator 2017-2021
Table 11 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 12 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 13 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 14 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 15 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 16 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 17 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 18 Forecast Charge Cards Transactions 2022-2027
Table 19 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 20 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 21 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 22 Forecast Commercial Charge Cards Transactions 2022-2027
Table 23 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 24 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027

Credit Cards in Portugal - Category analysis

Credit Cards in Portugal - Company Profile

KEY DATA FINDINGS

Credit card transactions on the rise
MasterCard loses share as Fnac switches to Visa
Competitive environment constantly evolving with new features, new partnerships, and digitalisation
Credit cards facing increasing competition
Commercial credit cards offer strong growth potential
The future lies in digital credit cards
Table 25 Credit Cards: Number of Cards in Circulation 2017-2022
Table 26 Credit Cards Transactions 2017-2022
Table 27 Credit Cards in Circulation: % Growth 2017-2022
Table 28 Credit Cards Transactions: % Growth 2017-2022
Table 29 Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 30 Commercial Credit Cards Transactions 2017-2022
Table 31 Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 32 Commercial Credit Cards Transactions: % Growth 2017-2022
Table 33 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 34 Personal Credit Cards Transactions 2017-2022
Table 35 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 36 Personal Credit Cards Transactions: % Growth 2017-2022
Table 37 Credit Cards: Number of Cards by Issuer 2017-2021
Table 38 Credit Cards: Number of Cards by Operator 2017-2021
Table 39 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 40 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 41 Commercial Credit Cards: Number of Cards by Issuer 2017-2021
Table 42 Commercial Credit Cards: Number of Cards by Operator 2017-2021
Table 43 Commercial Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 44 Commercial Credit Cards Payment Transaction Value by Operator 2017-2021
Table 45 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 46 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 47 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 48 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 49 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 50 Forecast Credit Cards Transactions 2022-2027
Table 51 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 52 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 53 Forecast Commercial Credit Cards: Number of Cards in Circulation 2022-2027
Table 54 Forecast Commercial Credit Cards Transactions 2022-2027
Table 55 Forecast Commercial Credit Cards in Circulation: % Growth 2022-2027
Table 56 Forecast Commercial Credit Cards Transactions: % Growth 2022-2027
Table 57 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 58 Forecast Personal Credit Cards Transactions 2022-2027
Table 59 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 60 Forecast Personal Credit Cards Transactions: % Growth 2022-2027

Debit Cards in Portugal - Category analysis

Debit Cards in Portugal - Company Profile

KEY DATA FINDINGS

Economic landscape informs the performance of debit cards
Increase in the number of cards issued
Fees more than double in 10 years says DECO
Debit cards benefits from paper to electronic shift
Competition likely to remain fierce over the coming years
Buy Now Pay Later services might help boost the use of debit cards
Table 61 Debit Cards: Number of Cards in Circulation 2017-2022
Table 62 Debit Cards Transactions 2017-2022
Table 63 Debit Cards in Circulation: % Growth 2017-2022
Table 64 Debit Cards Transactions: % Growth 2017-2022
Table 65 Debit Cards: Number of Cards by Issuer 2017-2021
Table 66 Debit Cards: Number of Cards by Operator 2017-2021
Table 67 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 68 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 69 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 70 Forecast Debit Cards Transactions 2022-2027
Table 71 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 72 Forecast Debit Cards Transactions: % Growth 2022-2027

Pre-Paid Cards in Portugal - Category analysis

Pre-Paid Cards in Portugal - Company Profile

KEY DATA FINDINGS

Open loop pre-paid cards benefiting from improvements in the economy
Closed loop pre-paid cards benefit from lifting of COVID-19 restrictions
Competition growing within employee benefit cards
Open-loop pre-paid cards expected to drive growth
Employee benefit cards: What’s next?
Decline in transportation closed loop pre-paid cards expected as operators move towards onboard open-loop payment facilities
Table 73 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 74 Pre-paid Cards Transactions 2017-2022
Table 75 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 76 Pre-paid Cards Transactions: % Growth 2017-2022
Table 77 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 78 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 79 Open Loop Pre-paid Cards Transactions 2017-2022
Table 80 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 81 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 82 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 83 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 84 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 85 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 86 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 87 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 88 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 89 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 90 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 91 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 92 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 93 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 94 Forecast Pre-paid Cards Transactions 2022-2027
Table 95 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 96 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 97 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 98 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 99 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 100 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027

Store Cards in Portugal - Category analysis

Store Cards in Portugal - Company Profile

KEY DATA FINDINGS

Store cards continues its recovery in 2022
Oney maintains the leadership with cards covering range of popular retail chains
El Corte Inglés gaining share thanks to attractive benefits
Store cards expected to see moderate but stable growth over the forecast period
El Corte Inglés is likely to be the most dynamic
Credit cards likely to remain the main threat to store cards
Table 101 Store Cards: Number of Cards in Circulation 2017-2022
Table 102 Store Cards Transactions 2017-2022
Table 103 Store Cards in Circulation: % Growth 2017-2022
Table 104 Store Cards Transactions: % Growth 2017-2022
Table 105 Store Cards: Number of Cards by Issuer 2017-2021
Table 106 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 107 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 108 Forecast Store Cards Transactions 2022-2027
Table 109 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 110 Forecast Store Cards Transactions: % Growth 2022-2027

Financial Cards and Payments in Portugal - Industry Overview

Financial cards and payments in 2022: The big picture
2022 key trends
Macroeconomic events impacting the use of financial cards
The new era of open banking and Fintech moulding competitive environment
What next for financial cards and payments?
Table 111 Number of POS Terminals: Units 2017-2022
Table 112 Number of ATMs: Units 2017-2022
Table 113 Value Lost to Fraud 2017-2022
Table 114 Card Expenditure by Location 2022
Table 115 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 116 Domestic versus Foreign Spend 2022
Table 117 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 118 Financial Cards by Category: Number of Accounts 2017-2022
Table 119 Financial Cards Transactions by Category: Value 2017-2022
Table 120 Financial Cards by Category: Number of Transactions 2017-2022
Table 121 Commerical Payments by Category: Value 2017-2022
Table 122 Commercial Payments by Category: Number of Transactions 2017-2022
Table 123 Personal Payments by Category: Value 2017-2022
Table 124 Personal Payments by Category: Number of Transactions 2017-2022
Table 125 M-Commerce by Category: Value 2017-2022
Table 126 M-Commerce by Category: % Value Growth 2017-2022
Table 127 Financial Cards: Number of Cards by Issuer 2017-2021
Table 128 Financial Cards: Number of Cards by Operator 2017-2021
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 132 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 133 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 134 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 135 Forecast Commercial Payments by Category: Value 2022-2027
Table 136 Forecast Commercial Payments by Category: Number of Transactions 2022-2027
Table 137 Forecast Personal Payments by Category: Value 2022-2027
Table 138 Forecast Personal Payments by Category: Number of Transactions 2022-2027
Table 139 Forecast M-Commerce by Category: Value 2022-2027
Table 140 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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