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Personal Credit Cards Around the World

  • ID: 4143314
  • Report
  • Region: Global
  • 40 pages
  • Euromonitor International
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Personal credit cards are a fast-growing component of the global payment landscape. Loyalty and rewards programmes have proven to be a crucial differentiation point for card issuers, and it is important for payment players to understand what constitutes a competitive payment card in different markets. This briefing updates a 2016 study the author conducted with new data on 47 markets examined in 2018 and early 2019, and analyses the personal credit card payscape around the world.

The Personal Credit Cards Around the World global briefing offers insight into the size and shape of the Consumer Finance market, highlights buzz topics, emerging geographies, categories and trends as well as pressing industry issues and white spaces. It identifies the leading companies and offers strategic analysis of key factors influencing the market. Forecasts provide an invaluable perspective on market evolution and the criteria for success. The briefing leverages The 360-degree coverage of the global payments’ landscape including insight on consumer debt.

Product coverage: Consumer Lending, Financial Cards and Payments.

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

Why buy this report?
  • Get a detailed picture of the Consumer Finance 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.
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Personal Credit Cards Around the World
Introduction
The Global Market
Regional Profiles
Unique Card Formats
Global Picture
Looking Forward
Appendix
Definitions and Notes
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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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