Credit Cards in China

In China, credit cards saw declines in both transaction value and cards in circulation in 2025, reflecting cautious consumer spending, tighter oversight of fees and add-ons, and bank-led closures of dormant “sleep accounts”. Usage also weakened as consumers increasingly opted for embedded, point-of-sale credit from platforms such as Huabei and JD Baitiao, while subdued price expectations reinforced a wait-and-see mindset for discretionary purchases.

This Credit Card Transactions in China report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Commercial Credit Card Transactions, Personal Credit Card Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

• Get a detailed picture of the Credit Card Transactions market;
• Pinpoint growth sectors and identify factors driving change;
• Understand the competitive environment, the market’s major players and leading brands;
• Use five-year forecasts to assess how the market is predicted to develop.