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Country Report

Credit Card Transactions in

Credit Cards in South Africa

21 pages, Jan 2018

US$990

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Executive Summary

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If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

PROSPECTS

Consumers’ use of credit cards continues to evolve

The review period witnessed the increasing use of credit cards, as many consumers became savvier about how to use them. Of note, was the growing use of credit cards in retail and foodservice outlets, for travel-related products and services and entertainment and car-related spending.

Lending criteria continues to tighten in line with regulation changes

The National Credit Regulator continued to make changes to the National Credit Act during the review period. Credit providers continued to tighten their lending criteria in response to the new affordability guidelines as stipulated in the National Credit Amendment Act (2014).

COMPETITIVE LANDSCAPE

Issuers focus on incentives and value to boost market share

Standard Bank remained the leading issuer in terms of credit cards in circulation and transaction value in 2016, followed by Absa Group, FirstRand Bank and Nedbank. Meanwhile, Mastercard International remained the leading operator in both cards in circulation and transaction value terms.

Credit cards sees innovation

During the review period South Africa saw the increasing penetration of cobranded credit cards. Many banks are seeking to offer exclusive privileges through their partners to remain competitive and entice more consumers.

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Overview

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Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Charge Cards in South Africa - Category analysis

Charge Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Charge cards remains a niche category in South Africa

Commercial charge cards sees growing demand

COMPETITIVE LANDSCAPE

Strategic partnerships and innovative benefits and services entice consumers

CATEGORY DATA

Table 1 Charge Cards: Number of Cards in Circulation 2012-2017
Table 2 Charge Cards Transactions 2012-2017
Table 3 Charge Cards in Circulation: % Growth 2012-2017
Table 4 Charge Cards Transactions: % Growth 2012-2017
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2012-2017
Table 6 Commercial Charge Cards Transactions 2012-2017
Table 7 Commercial Charge Cards in Circulation: % Growth 2012-2017
Table 8 Commercial Charge Cards Transactions: % Growth 2012-2017
Table 9 Personal Charge Cards: Number of Cards in Circulation 2012-2017
Table 10 Personal Charge Cards Transactions 2012-2017
Table 11 Personal Charge Cards in Circulation: % Growth 2012-2017
Table 12 Personal Charge Cards Transactions: % Growth 2012-2017
Table 13 Charge Cards: Number of Cards by Issuer 2012-2016
Table 14 Charge Cards: Number of Cards by Operator 2012-2016
Table 15 Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 16 Charge Cards Payment Transaction Value by Operator 2012-2016
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2012-2016
Table 18 Commercial Charge Cards: Number of Cards by Operator 2012-2016
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2012-2016
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2012-2016
Table 21 Personal Charge Cards: Number of Cards by Issuer 2012-2016
Table 22 Personal Charge Cards: Number of Cards by Operator 2012-2016
Table 23 Personal Charge Cards Transaction Value by Issuer 2012-2016
Table 24 Personal Charge Cards Transaction Value by Operator 2012-2016
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2017-2022
Table 26 Forecast Charge Cards Transactions 2017-2022
Table 27 Forecast Charge Cards in Circulation: % Growth 2017-2022
Table 28 Forecast Charge Cards Transactions: % Growth 2017-2022
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 30 Forecast Commercial Charge Cards Transactions 2017-2022
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2017-2022
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 34 Forecast Personal Charge Cards Transactions 2017-2022
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2017-2022
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2017-2022

Credit Cards in South Africa - Category analysis

Credit Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Consumers’ use of credit cards continues to evolve

Lending criteria continues to tighten in line with regulation changes

COMPETITIVE LANDSCAPE

Issuers focus on incentives and value to boost market share

Credit cards sees innovation

CATEGORY DATA

Table 37 Credit Cards: Number of Cards in Circulation 2012-2017
Table 38 Credit Cards Transactions 2012-2017
Table 39 Credit Cards in Circulation: % Growth 2012-2017
Table 40 Credit Cards Transactions: % Growth 2012-2017
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2012-2017
Table 42 Commercial Credit Cards Transactions 2012-2017
Table 43 Commercial Credit Cards in Circulation: % Growth 2012-2017
Table 44 Commercial Credit Cards Transactions: % Growth 2012-2017
Table 45 Personal Credit Cards: Number of Cards in Circulation 2012-2017
Table 46 Personal Credit Cards Transactions 2012-2017
Table 47 Personal Credit Cards in Circulation: % Growth 2012-2017
Table 48 Personal Credit Cards Transactions: % Growth 2012-2017
Table 49 Credit Cards: Number of Cards by Issuer 2012-2016
Table 50 Credit Cards: Number of Cards by Operator 2012-2016
Table 51 Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 52 Credit Cards Payment Transaction Value by Operator 2012-2016
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2012-2016
Table 54 Commercial Credit Cards: Number of Cards by Operator 2012-2016
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2012-2016
Table 57 Personal Credit Cards: Number of Cards by Issuer 2012-2016
Table 58 Personal Credit Cards: Number of Cards by Operator 2012-2016
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2012-2016
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2012-2016
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2017-2022
Table 62 Forecast Credit Cards Transactions 2017-2022
Table 63 Forecast Credit Cards in Circulation: % Growth 2017-2022
Table 64 Forecast Credit Cards Transactions: % Growth 2017-2022
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2017-2022
Table 66 Forecast Commercial Credit Cards Transactions 2017-2022
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2017-2022
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2017-2022
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 70 Forecast Personal Credit Cards Transactions 2017-2022
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2017-2022
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2017-2022

Debit Cards in South Africa - Category analysis

Debit Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Social grant payments continue to boost debit transactions

Banks increasingly offer basic bank accounts with debit cards

Usage of debit cards evolves through innovation

COMPETITIVE LANDSCAPE

Major players continue to dominate debit cards

Capitec continues to develop in debit cards

CATEGORY DATA

Table 73 Debit Cards: Number of Cards in Circulation 2012-2017
Table 74 Debit Cards Transactions 2012-2017
Table 75 Debit Cards in Circulation: % Growth 2012-2017
Table 76 Debit Cards Transactions: % Growth 2012-2017
Table 77 Debit Cards: Number of Cards by Issuer 2012-2016
Table 78 Debit Cards: Number of Cards by Operator 2012-2016
Table 79 Debit Cards Payment Transaction Value by Issuer 2012-2016
Table 80 Debit Cards Payment Transaction Value by Operator 2012-2016
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2017-2022
Table 82 Forecast Debit Cards Transactions 2017-2022
Table 83 Forecast Debit Cards in Circulation: % Growth 2017-2022
Table 84 Forecast Debit Cards Transactions: % Growth 2017-2022

Pre-Paid Cards in South Africa - Category analysis

Pre-Paid Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Expansion of transportation cards stimulates category growth

Financial services for unbanked consumers boost open-loop pre-paid cards

COMPETITIVE LANDSCAPE

Leading banks remain the key issuers of pre-paid cards

CATEGORY DATA

Table 85 Pre-paid Cards: Number of Cards in Circulation 2012-2017
Table 86 Pre-paid Cards Transactions 2012-2017
Table 87 Pre-paid Cards in Circulation: % Growth 2012-2017
Table 88 Pre-paid Cards Transactions: % Growth 2012-2017
Table 89 Closed Loop Pre-paid Cards Transactions 2012-2017
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 91 Open Loop Pre-paid Cards Transactions 2012-2017
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2012-2017
Table 93 Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 94 Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 95 Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 96 Pre-paid Cards Transaction Value by Operator 2012-2016
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2012-2016
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2012-2016
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2012-2016
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2012-2016
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 106 Forecast Pre-paid Cards Transactions 2017-2022
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2017-2022
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2017-2022
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2017-2022
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2017-2022
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2017-2022

Store Cards in South Africa - Category analysis

Store Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Store credit cards continue to drive category growth

Retailers enter into strategic partnerships

COMPETITIVE LANDSCAPE

Apparel and footwear specialist leads store cards

Retailers use more credit options to entice consumers

CATEGORY DATA

Table 113 Store Cards: Number of Cards in Circulation 2012-2017
Table 114 Store Cards Transactions 2012-2017
Table 115 Store Cards in Circulation: % Growth 2012-2017
Table 116 Store Cards Transactions: % Growth 2012-2017
Table 117 Store Cards: Number of Cards by Issuer 2012-2016
Table 118 Store Cards: Payment Transaction Value by Issuer 2012-2016
Table 119 Forecast Store Cards: Number of Cards in Circulation 2017-2022
Table 120 Forecast Store Cards Transactions 2017-2022
Table 121 Forecast Store Cards in Circulation: % Growth 2017-2022
Table 122 Forecast Store Cards Transactions: % Growth 2017-2022

Financial Cards and Payments in South Africa - Industry Overview

EXECUTIVE SUMMARY

Positive growth in the midst of a challenging economic environment

Digital innovations continue to boost transactions

Debit cards continues to lead card payments

Capitec expands and grows

Slower growth is expected over the forecast period

MARKET INDICATORS

Table 123 Number of POS Terminals: Units 2012-2017
Table 124 Number of ATMs: Units 2012-2017
Table 125 Value Lost to Fraud 2012-2017
Table 126 Card Expenditure by Location 2017
Table 127 Financial Cards in Circulation by Type: % Number of Cards 2012-2017
Table 128 Domestic versus Foreign Spend 2017

MARKET DATA

Table 129 Financial Cards by Category: Number of Cards in Circulation 2012-2017
Table 130 Financial Cards by Category: Number of Accounts 2012-2017
Table 131 Financial Cards Transactions by Category: Value 2012-2017
Table 132 Financial Cards by Category: Number of Transactions 2012-2017
Table 133 Consumer Payments by Category: Value 2012-2017
Table 134 Consumer Payments by Category: Number of Transactions 2012-2017
Table 135 M-Commerce by Category: Value 2013-2017
Table 136 M-Commerce by Category: % Value Growth 2013-2017
Table 137 Financial Cards: Number of Cards by Issuer 2012-2016
Table 138 Financial Cards: Number of Cards by Operator 2012-2016
Table 139 Financial Cards: Card Payment Transactions Value by Operator 2012-2016
Table 140 Financial Cards: Card Payment Transactions Value by Issuer 2012-2016
Table 141 Forecast Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 142 Forecast Financial Cards by Category: Number of Accounts 2017-2022
Table 143 Forecast Financial Cards Transactions by Category: Value 2017-2022
Table 144 Forecast Financial Cards by Category: Number of Transactions 2017-2022
Table 145 Forecast Consumer Payments by Category: Value 2017-2022
Table 146 Forecast Consumer Payments by Category: Number of Transactions 2017-2022
Table 147 Forecast M-Commerce by Category: Value 2017-2022
Table 148 Forecast M-Commerce by Category: % Value Growth 2017-2022

Megatrends

Country Report

Credit Cards in South Africa

New Report Guarantee

Executive Summary

New Report Guarantee

PROSPECTS

Consumers’ use of credit cards continues to evolve

Lending criteria continues to tighten in line with regulation changes

COMPETITIVE LANDSCAPE

Issuers focus on incentives and value to boost market share

Credit cards sees innovation

Overview

Why buy this report?

Want to find out more about this report?

Table of Contents

Charge Cards in South Africa - Category analysis

Charge Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Charge cards remains a niche category in South Africa

Commercial charge cards sees growing demand

COMPETITIVE LANDSCAPE

Strategic partnerships and innovative benefits and services entice consumers

CATEGORY DATA

Credit Cards in South Africa - Category analysis

Credit Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Consumers’ use of credit cards continues to evolve

Lending criteria continues to tighten in line with regulation changes

COMPETITIVE LANDSCAPE

Issuers focus on incentives and value to boost market share

Credit cards sees innovation

CATEGORY DATA

Debit Cards in South Africa - Category analysis

Debit Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Social grant payments continue to boost debit transactions

Banks increasingly offer basic bank accounts with debit cards

Usage of debit cards evolves through innovation

COMPETITIVE LANDSCAPE

Major players continue to dominate debit cards

Capitec continues to develop in debit cards

CATEGORY DATA

Pre-Paid Cards in South Africa - Category analysis

Pre-Paid Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Expansion of transportation cards stimulates category growth

Financial services for unbanked consumers boost open-loop pre-paid cards

COMPETITIVE LANDSCAPE

Leading banks remain the key issuers of pre-paid cards

CATEGORY DATA

Store Cards in South Africa - Category analysis

Store Cards in South Africa - Company Profile

HEADLINES

PROSPECTS

Store credit cards continue to drive category growth

Retailers enter into strategic partnerships

COMPETITIVE LANDSCAPE

Apparel and footwear specialist leads store cards

Retailers use more credit options to entice consumers

CATEGORY DATA

Financial Cards and Payments in South Africa - Industry Overview

EXECUTIVE SUMMARY

Positive growth in the midst of a challenging economic environment

Digital innovations continue to boost transactions

Debit cards continues to lead card payments

Capitec expands and grows

Slower growth is expected over the forecast period

MARKET INDICATORS

MARKET DATA

SOURCES

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