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Strategy Briefing
Personal Credit Cards: Building Loyalty in a Changing Landscape
40 pages, Mar 2017
US$1,325Added to Cart
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About This Report
New Report Guarantee
If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!
Card payment companies have put increasing pressure on the cash-based systems that dominate consumer payments in many markets around the globe. For credit card issuers and networks, developing loyalty programmes and attractive features are crucial means of differentiating their value from competing payment methods, such as debit cards. This briefing explores Euromonitor’s 2016 study of credit cards in 46 markets, with an eye toward better understanding their unique personal credit landscapes.
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Overview
Why buy this report?
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.
Americas and Asia Pacific set the pace for personal credit cards
The Americas and Asia Pacific are crucial players in personal credit cards. These regions represent an overwhelming majority of global transaction value, and are home to the majority of co-branded offerings.
Uneven global distribution of co-branded cards
Co-branded credit cards are disproportionately skewed toward a handful of markets. Only nine of the 46 researched markets featured at least 10 different merchants with co-branded personal credit cards, while just three countries featured more than 15 merchants with card offerings.
Unique card structures reflect market realities
Some markets feature uncommon account arrangements and cards tailored to unique financial environments. Examples include Sharia-compliant credit cards (to serve Muslim consumers adhering to the Islamic ban on interest), and dual card accounts (which can help overcome merchant acceptance barriers).
Interchange regulations may impact rewards
Interchange fee limits in some markets can put pressure on rewards programmes – a major feature in drawing consumers to credit cards.
Airlines and retailers lead co-branded offerings, while hotels lag
Airlines and retailers are the most likely merchants to carry co-branded credit cards. Large retailers such as Amazon, Carrefour and Walmart are present in a number of countries. Co-branded credit cards issued by hotel chains are uncommon. Only eight markets feature any hotel co-brand cards, typically only in the headquarters market of large multinational hotel chains.
Instalment options a popular incentive
Personal credit cards frequently feature instalment billing options which allow consumers to create fixed payments. Many cards offer interest-free instalment plans at participating partner merchants as an additional selling point.
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Request more informationTable of Contents
Introduction
Scope
A note on the personal credit card analyses
Key findings
The Global Market
Card-based payments seize a larger share of the pie
Breaking down the global personal credit card market
Regional Profiles
Personal credit cards in the Americas
Card landscapes diverge between North America and Latin America
North America leads the region in co-branded offerings
The Americas: Personal credit card outlook
Personal credit cards in Europe
European credit cards trailing debit and electronic payments
Co-branded partnerships relatively uncommon in Europe
Europe: Personal credit card outlook
Personal credit cards in Asia Pacific
Asia Pacific: A medley of approaches
Heavy co-branded partnership presence
Asia Pacific: Personal credit card outlook
Personal credit cards in the Middle East and Africa
Growing card uptake, innovative product formats
Airline partnerships an integral part of co-branded offerings
The Middle East and Africa: Personal credit card outlook
Unique Card Formats
Islamic credit cards: Facilitating greater access
Dual credit card offerings: Increasing merchant acceptance
Unique Card Formats – examples
Global Picture
Co-branded cards – global overview
Common characteristics of personal credit card tiers
Looking Forward
Personal credit cards – outlook
Final considerations: Rewarding consumers and driving growth
Appendix
Worksheet examples 1
Worksheet examples 2
Worksheet examples 3
Definitions and Notes
Report notes
Why buy this report?
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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