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Global Personal Credit Card Market Outlook, In‑Depth Analysis & Forecast to 2031
Published Date: November 2025
|
Report Code: QYRE-Auto-39P16973
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Global Personal Credit Card Market Research Report 2024
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Global Personal Credit Card Market Outlook, In‑Depth Analysis & Forecast to 2031

Code: QYRE-Auto-39P16973
Report
November 2025
Pages:188
QYResearch
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DESCRIPTION
TABLE OF CONTENT
TABLES & FIGURES

Personal Credit Card Market Size

The global Personal Credit Card market is projected to grow from US$ 1404430 million in 2024 to US$ 1878000 million by 2031, at a CAGR of 4.3% (2025-2031), driven by critical product segments and diverse end‑use applications.

Personal Credit Card Market

Personal Credit Card Market

A credit card is a payment card, usually issued by a bank, allowing its users to purchase goods or services or withdraw cash on credit. Using the card thus accrues debt that has to be repaid later. Credit cards are one of the most widely used forms of payment across the world.
From a downstream perspective, Customers with Limited Credit Card Usage accounted for % of 2024 revenue, surging to US$ million by 2031 (CAGR: % from 2025–2031).
Personal Credit Card leading manufacturers including JPMorgan, Citibank, Bank of America, Wells Fargo, Capital One, American Express, HSBC, Sumitomo Mitsui Banking Corporation, BNP Paribas, State Bank of India, etc., dominate supply; the top five capture approximately % of global revenue, with JPMorgan leading 2024 sales at US$ million.
Regional Outlook:
North America rose from US$ million in 2024 to a forecast US$ million by 2031 (CAGR %).
Asia‑Pacific will expand from US$ million to US$ million (CAGR  %), led by China (US$ million in 2024, % share rising to % by 2031), Japan (CAGR %), South Korea (CAGR %), and Southeast Asia (CAGR %).
Europe is set to grow from US$ million to US$ million (CAGR %), with Germany projected to hit US$ million by 2031 (CAGR %).

Report Includes:

This definitive report equips CEOs, marketing directors, and investors with a 360° view of the global Personal Credit Card market across value chain. It analyzes historical revenue data (2020–2024) and delivers forecasts through 2031, illuminating demand trends and growth drivers.
By segmenting the market by Type and by Application, the study quantifies market size, growth rates, niche opportunities, and substitution risks, and analyzes downstream customers distribution pattern.
Granular regional insights cover five major markets—North America, Europe, APAC, South America, and MEA—with in‑depth analysis of 20+ countries, detailing dominant products, competitive landscape, and downstream demand trends.
Critical competitive intelligence profiles players—revenue, margins, pricing strategies, and major customers—and dissects the top-player positioning across product lines, applications, and regions to reveal strategic strengths.
A concise Industry‑chain overview maps upstream, middlestream, and downstream distribution dynamics to identify strategic gaps and unmet demand.
Market Segmentation

Scope of Personal Credit Card Market Report

Report Metric Details
Report Name Personal Credit Card Market
Accounted market size in 2024 US$ 1404430 million
Forecasted market size in 2031 US$ 1878000 million
CAGR 4.3%
Base Year 2024
Forecasted years 2025 - 2031
Segment by Type
  • Daily Consumption
  • Travel
  • Entertainment
  • Others
Segment by Application
  • Customers with Limited Credit Card Usage
  • Credit Card Users with Low Utilisation
  • Transactors
  • Customers with High Credit Card Usage
  • Credit Card Users with Revolving and Persistent Debt
Sales by Region
  • North America (United States, Canada)
  • Europe (Germany, France, UK, Italy, Russia) Rest of Europe
  • Nordic Countries
  • Asia-Pacific (China, Japan, South Korea)
  • Southeast Asia (India, Australia)
  • Rest of Asia
  • Latin America (Mexico, Brazil)
  • Rest of Latin America
  • Middle East & Africa (Turkey, Saudi Arabia, UAE, Rest of MEA)
By Company JPMorgan, Citibank, Bank of America, Wells Fargo, Capital One, American Express, HSBC, Sumitomo Mitsui Banking Corporation, BNP Paribas, State Bank of India, Sberbank, MUFG Bank, Itau Unibanco, Commonwealth Bank, Credit Agricole, Deutsche Bank, Hyundai Card, Al-Rajhi Bank, Standard Bank, Hang Seng Bank, Bank of East Asia, China Merchants Bank, ICBC, China Construction Bank (CCB), Agricultural Bank of China (ABC), Ping An Bank, Bank of China
Forecast units USD million in value
Report coverage Revenue and volume forecast, company share, competitive landscape, growth factors and trends

Chapter Outline

  • Chapter 1: Defines the Personal Credit Card study scope, segments the market by Type and by Application, etc, highlights segment size and growth potential.
  • Chapter 2: Offers current market state, projects global revenue and sales to 2031, pinpointing high consumption regions and emerging market catalysts
  • Chapter 3: Dissects the player landscape—ranks by revenue and profitability, details Player performance by product type and evaluates concentration alongside M&A moves.
  • Chapter 4: Unlocks high margin product segments—compares revenue, ASP, and technology differentiators, highlighting growth niches and substitution risks
  • Chapter 5: Targets downstream market opportunities—evaluates market size by Application, identifies emerging use cases, and profiles leading customers by region and by Application.
  • Chapter 6: North America—breaks down market size by Type, by Application and country, profiles key players and assesses growth drivers and barriers.
  • Chapter 7: Europe—analyses regional market by Type, by Application and players, flagging drivers and barriers.
  • Chapter 8: Asia Pacific—quantifies market size by Type, by Application, and region/country, profiles top players, and uncovers high potential expansion areas.
  • Chapter 9: Central & South America—measures market size by Type, by Application, and country, profiles top players, and identifies investment opportunities and challenges.
  • Chapter 10: Middle East and Africa—evaluates market size by Type, by Application, and country, profiles key players, and outlines investment prospects and market hurdles
  • Chapter 11: Profiles players in depth—details product specs, revenue, margins; Top-tier players 2024 sales breakdowns by Product type, by Application, by region SWOT analysis, and recent strategic developments.
  • Chapter 12: Industry chain—analyses upstream, cost drivers, plus downstream channels.
  • Chapter 13: Market dynamics—explores drivers, restraints, regulatory impacts, and risk mitigation strategies.
  • Chapter 14: Actionable conclusions and strategic recommendations.
  • Why This Report:
  • Beyond standard market data, this analysis provides a clear profitability roadmap—empowering you to:
  • Allocate capital strategically to high growth regions (Chapters 6–10) and margin rich segments (Chapter 5).
  • Negotiate from strength with suppliers (Chapter 12) and customers (Chapter 5) using cost and demand intelligence.
  • Outmaneuver competitors with granular insights into their operations, margins, and strategies (Chapters 3 and 11).
  • Capitalize on the projected billion‑dollar opportunity with data‑driven regional and segment tactics (Chapter 12-14).
  • Leverage this 360° intelligence to turn market complexity into actionable competitive advantage.

FAQ for this report

How fast is Personal Credit Card Market growing?

Ans: The Personal Credit Card Market witnessing a CAGR of 4.3% during the forecast period 2025-2031.

What is the Personal Credit Card Market size in 2031?

Ans: The Personal Credit Card Market size in 2031 will be US$ 1878000 million.

Who are the main players in the Personal Credit Card Market report?

Ans: The main players in the Personal Credit Card Market are JPMorgan, Citibank, Bank of America, Wells Fargo, Capital One, American Express, HSBC, Sumitomo Mitsui Banking Corporation, BNP Paribas, State Bank of India, Sberbank, MUFG Bank, Itau Unibanco, Commonwealth Bank, Credit Agricole, Deutsche Bank, Hyundai Card, Al-Rajhi Bank, Standard Bank, Hang Seng Bank, Bank of East Asia, China Merchants Bank, ICBC, China Construction Bank (CCB), Agricultural Bank of China (ABC), Ping An Bank, Bank of China

What are the Application segmentation covered in the Personal Credit Card Market report?

Ans: The Applications covered in the Personal Credit Card Market report are Customers with Limited Credit Card Usage, Credit Card Users with Low Utilisation, Transactors, Customers with High Credit Card Usage, Credit Card Users with Revolving and Persistent Debt

What are the Type segmentation covered in the Personal Credit Card Market report?

Ans: The Types covered in the Personal Credit Card Market report are Daily Consumption, Travel, Entertainment, Others

1 Study Coverage
1.1 Introduction to Personal Credit Card: Definition, Properties, and Key Attributes
1.2 Market Segmentation by Type
1.2.1 Global Personal Credit Card Market Size by Type, 2020 VS 2024 VS 2031
1.2.2 Daily Consumption
1.2.3 Travel
1.2.4 Entertainment
1.2.5 Others
1.3 Market Segmentation by Application
1.3.1 Global Personal Credit Card Market Size by Application, 2020 VS 2024 VS 2031
1.3.2 Customers with Limited Credit Card Usage
1.3.3 Credit Card Users with Low Utilisation
1.3.4 Transactors
1.3.5 Customers with High Credit Card Usage
1.3.6 Credit Card Users with Revolving and Persistent Debt
1.4 Assumptions and Limitations
1.5 Study Objectives
1.6 Years Considered
2 Executive Summary
2.1 Global Personal Credit Card Revenue Estimates and Forecasts 2020-2031
2.2 Global Personal Credit Card Revenue by Region
2.2.1 Revenue Comparison: 2020 VS 2024 VS 2031
2.2.2 Historical and Forecasted Revenue by Region (2020-2031)
2.2.3 Global Revenue Market Share by Region (2020-2031)
2.2.4 Emerging Market Focus: Growth Drivers & Investment Trends
3 Competition by Players
3.1 Global Personal Credit Card Player Revenue Rankings and Profitability
3.1.1 Global Revenue (Value) by Players (2020-2025)
3.1.2 Global Key Player Revenue Ranking (2023 vs. 2024)
3.1.3 Revenue-Based Tier Segmentation (Tier 1, Tier 2, and Tier 3)
3.1.4 Gross Margin by Top Player (2020 VS 2024)
3.2 Global Personal Credit Card Companies Headquarters and Service Footprint
3.3 Main Product Type Market Size by Players
3.3.1 Daily Consumption Market Size by Players
3.3.2 Travel Market Size by Players
3.3.3 Entertainment Market Size by Players
3.3.4 Others Market Size by Players
3.4 Global Personal Credit Card Market Concentration and Dynamics
3.4.1 Global Market Concentration (CR5 and HHI)
3.4.2 Entrant/Exit Impact Analysis
3.4.3 Strategic Moves: M&A, Expansion, R&D Investment
4 Global Product Segmentation Analysis
4.1 Global Personal Credit Card Revenue Trends by Type
4.1.1 Global Historical and Forecasted Revenue by Type (2020-2031)
4.1.2 Global Revenue Market Share by Type (2020-2031)
4.2 Key Product Attributes and Differentiation
4.3 Subtype Dynamics: Growth Leaders, Profitability and Risk
4.3.1 High-Growth Niches and Adoption Drivers
4.3.2 Profitability Hotspots and Cost Drivers
4.3.3 Substitution Threats
5 Global Downstream Application Analysis
5.1 Global Personal Credit Card Revenue by Application
5.1.1 Global Historical and Forecasted Revenue by Application (2020-2031)
5.1.2 Revenue Market Share by Application (2020-2031)
5.1.3 High-Growth Application Identification
5.1.4 Emerging Application Case Studies
5.2 Downstream Customer Analysis
5.2.1 Top Customers by Region
5.2.2 Top Customers by Application
6 North America
6.1 North America Market Size (2020-2031)
6.2 North America Key Players Revenue in 2024
6.3 North America Personal Credit Card Market Size by Type (2020-2031)
6.4 North America Personal Credit Card Market Size by Application (2020-2031)
6.5 North America Growth Accelerators and Market Barriers
6.6 North America Personal Credit Card Market Size by Country
6.6.1 North America Revenue Trends by Country
6.6.2 US
6.6.3 Canada
6.6.4 Mexico
7 Europe
7.1 Europe Market Size (2020-2031)
7.2 Europe Key Players Revenue in 2024
7.3 Europe Personal Credit Card Market Size by Type (2020-2031)
7.4 Europe Personal Credit Card Market Size by Application (2020-2031)
7.5 Europe Growth Accelerators and Market Barriers
7.6 Europe Personal Credit Card Market Size by Country
7.6.1 Europe Revenue Trends by Country
7.6.2 Germany
7.6.3 France
7.6.4 U.K.
7.6.5 Italy
7.6.6 Russia
8 Asia-Pacific
8.1 Asia-Pacific Market Size (2020-2031)
8.2 Asia-Pacific Key Players Revenue in 2024
8.3 Asia-Pacific Personal Credit Card Market Size by Type (2020-2031)
8.4 Asia-Pacific Personal Credit Card Market Size by Application (2020-2031)
8.5 Asia-Pacific Growth Accelerators and Market Barriers
8.6 Asia-Pacific Personal Credit Card Market Size by Region
8.6.1 Asia-Pacific Revenue Trends by Region
8.7 China
8.8 Japan
8.9 South Korea
8.10 Australia
8.11 India
8.12 Southeast Asia
8.12.1 Indonesia
8.12.2 Vietnam
8.12.3 Malaysia
8.12.4 Philippines
8.12.5 Singapore
9 Central and South America
9.1 Central and South America Market Size (2020-2031)
9.2 Central and South America Key Players Revenue in 2024
9.3 Central and South America Personal Credit Card Market Size by Type (2020-2031)
9.4 Central and South America Personal Credit Card Market Size by Application (2020-2031)
9.5 Central and South America Investment Opportunities and Key Challenges
9.6 Central and South America Personal Credit Card Market Size by Country
9.6.1 Central and South America Revenue Trends by Country (2020 VS 2024 VS 2031)
9.6.2 Brazil
9.6.3 Argentina
10 Middle East and Africa
10.1 Middle East and Africa Market Size (2020-2031)
10.2 Middle East and Africa Key Players Revenue in 2024
10.3 Middle East and Africa Personal Credit Card Market Size by Type (2020-2031)
10.4 Middle East and Africa Personal Credit Card Market Size by Application (2020-2031)
10.5 Middle East and Africa Investment Opportunities and Key Challenges
10.6 Middle East and Africa Personal Credit Card Market Size by Country
10.6.1 Middle East and Africa Revenue Trends by Country (2020 VS 2024 VS 2031)
10.6.2 GCC Countries
10.6.3 Israel
10.6.4 Egypt
10.6.5 South Africa
11 Corporate Profile
11.1 JPMorgan
11.1.1 JPMorgan Corporation Information
11.1.2 JPMorgan Business Overview
11.1.3 JPMorgan Personal Credit Card Product Features and Attributes
11.1.4 JPMorgan Personal Credit Card Revenue and Gross Margin (2020-2025)
11.1.5 JPMorgan Personal Credit Card Revenue by Product in 2024
11.1.6 JPMorgan Personal Credit Card Revenue by Application in 2024
11.1.7 JPMorgan Personal Credit Card Revenue by Geographic Area in 2024
11.1.8 JPMorgan Personal Credit Card SWOT Analysis
11.1.9 JPMorgan Recent Developments
11.2 Citibank
11.2.1 Citibank Corporation Information
11.2.2 Citibank Business Overview
11.2.3 Citibank Personal Credit Card Product Features and Attributes
11.2.4 Citibank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.2.5 Citibank Personal Credit Card Revenue by Product in 2024
11.2.6 Citibank Personal Credit Card Revenue by Application in 2024
11.2.7 Citibank Personal Credit Card Revenue by Geographic Area in 2024
11.2.8 Citibank Personal Credit Card SWOT Analysis
11.2.9 Citibank Recent Developments
11.3 Bank of America
11.3.1 Bank of America Corporation Information
11.3.2 Bank of America Business Overview
11.3.3 Bank of America Personal Credit Card Product Features and Attributes
11.3.4 Bank of America Personal Credit Card Revenue and Gross Margin (2020-2025)
11.3.5 Bank of America Personal Credit Card Revenue by Product in 2024
11.3.6 Bank of America Personal Credit Card Revenue by Application in 2024
11.3.7 Bank of America Personal Credit Card Revenue by Geographic Area in 2024
11.3.8 Bank of America Personal Credit Card SWOT Analysis
11.3.9 Bank of America Recent Developments
11.4 Wells Fargo
11.4.1 Wells Fargo Corporation Information
11.4.2 Wells Fargo Business Overview
11.4.3 Wells Fargo Personal Credit Card Product Features and Attributes
11.4.4 Wells Fargo Personal Credit Card Revenue and Gross Margin (2020-2025)
11.4.5 Wells Fargo Personal Credit Card Revenue by Product in 2024
11.4.6 Wells Fargo Personal Credit Card Revenue by Application in 2024
11.4.7 Wells Fargo Personal Credit Card Revenue by Geographic Area in 2024
11.4.8 Wells Fargo Personal Credit Card SWOT Analysis
11.4.9 Wells Fargo Recent Developments
11.5 Capital One
11.5.1 Capital One Corporation Information
11.5.2 Capital One Business Overview
11.5.3 Capital One Personal Credit Card Product Features and Attributes
11.5.4 Capital One Personal Credit Card Revenue and Gross Margin (2020-2025)
11.5.5 Capital One Personal Credit Card Revenue by Product in 2024
11.5.6 Capital One Personal Credit Card Revenue by Application in 2024
11.5.7 Capital One Personal Credit Card Revenue by Geographic Area in 2024
11.5.8 Capital One Personal Credit Card SWOT Analysis
11.5.9 Capital One Recent Developments
11.6 American Express
11.6.1 American Express Corporation Information
11.6.2 American Express Business Overview
11.6.3 American Express Personal Credit Card Product Features and Attributes
11.6.4 American Express Personal Credit Card Revenue and Gross Margin (2020-2025)
11.6.5 American Express Recent Developments
11.7 HSBC
11.7.1 HSBC Corporation Information
11.7.2 HSBC Business Overview
11.7.3 HSBC Personal Credit Card Product Features and Attributes
11.7.4 HSBC Personal Credit Card Revenue and Gross Margin (2020-2025)
11.7.5 HSBC Recent Developments
11.8 Sumitomo Mitsui Banking Corporation
11.8.1 Sumitomo Mitsui Banking Corporation Corporation Information
11.8.2 Sumitomo Mitsui Banking Corporation Business Overview
11.8.3 Sumitomo Mitsui Banking Corporation Personal Credit Card Product Features and Attributes
11.8.4 Sumitomo Mitsui Banking Corporation Personal Credit Card Revenue and Gross Margin (2020-2025)
11.8.5 Sumitomo Mitsui Banking Corporation Recent Developments
11.9 BNP Paribas
11.9.1 BNP Paribas Corporation Information
11.9.2 BNP Paribas Business Overview
11.9.3 BNP Paribas Personal Credit Card Product Features and Attributes
11.9.4 BNP Paribas Personal Credit Card Revenue and Gross Margin (2020-2025)
11.9.5 BNP Paribas Recent Developments
11.10 State Bank of India
11.10.1 State Bank of India Corporation Information
11.10.2 State Bank of India Business Overview
11.10.3 State Bank of India Personal Credit Card Product Features and Attributes
11.10.4 State Bank of India Personal Credit Card Revenue and Gross Margin (2020-2025)
11.10.5 Company Ten Recent Developments
11.11 Sberbank
11.11.1 Sberbank Corporation Information
11.11.2 Sberbank Business Overview
11.11.3 Sberbank Personal Credit Card Product Features and Attributes
11.11.4 Sberbank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.11.5 Sberbank Recent Developments
11.12 MUFG Bank
11.12.1 MUFG Bank Corporation Information
11.12.2 MUFG Bank Business Overview
11.12.3 MUFG Bank Personal Credit Card Product Features and Attributes
11.12.4 MUFG Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.12.5 MUFG Bank Recent Developments
11.13 Itau Unibanco
11.13.1 Itau Unibanco Corporation Information
11.13.2 Itau Unibanco Business Overview
11.13.3 Itau Unibanco Personal Credit Card Product Features and Attributes
11.13.4 Itau Unibanco Personal Credit Card Revenue and Gross Margin (2020-2025)
11.13.5 Itau Unibanco Recent Developments
11.14 Commonwealth Bank
11.14.1 Commonwealth Bank Corporation Information
11.14.2 Commonwealth Bank Business Overview
11.14.3 Commonwealth Bank Personal Credit Card Product Features and Attributes
11.14.4 Commonwealth Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.14.5 Commonwealth Bank Recent Developments
11.15 Credit Agricole
11.15.1 Credit Agricole Corporation Information
11.15.2 Credit Agricole Business Overview
11.15.3 Credit Agricole Personal Credit Card Product Features and Attributes
11.15.4 Credit Agricole Personal Credit Card Revenue and Gross Margin (2020-2025)
11.15.5 Credit Agricole Recent Developments
11.16 Deutsche Bank
11.16.1 Deutsche Bank Corporation Information
11.16.2 Deutsche Bank Business Overview
11.16.3 Deutsche Bank Personal Credit Card Product Features and Attributes
11.16.4 Deutsche Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.16.5 Deutsche Bank Recent Developments
11.17 Hyundai Card
11.17.1 Hyundai Card Corporation Information
11.17.2 Hyundai Card Business Overview
11.17.3 Hyundai Card Personal Credit Card Product Features and Attributes
11.17.4 Hyundai Card Personal Credit Card Revenue and Gross Margin (2020-2025)
11.17.5 Hyundai Card Recent Developments
11.18 Al-Rajhi Bank
11.18.1 Al-Rajhi Bank Corporation Information
11.18.2 Al-Rajhi Bank Business Overview
11.18.3 Al-Rajhi Bank Personal Credit Card Product Features and Attributes
11.18.4 Al-Rajhi Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.18.5 Al-Rajhi Bank Recent Developments
11.19 Standard Bank
11.19.1 Standard Bank Corporation Information
11.19.2 Standard Bank Business Overview
11.19.3 Standard Bank Personal Credit Card Product Features and Attributes
11.19.4 Standard Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.19.5 Standard Bank Recent Developments
11.20 Hang Seng Bank
11.20.1 Hang Seng Bank Corporation Information
11.20.2 Hang Seng Bank Business Overview
11.20.3 Hang Seng Bank Personal Credit Card Product Features and Attributes
11.20.4 Hang Seng Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.20.5 Hang Seng Bank Recent Developments
11.21 Bank of East Asia
11.21.1 Bank of East Asia Corporation Information
11.21.2 Bank of East Asia Business Overview
11.21.3 Bank of East Asia Personal Credit Card Product Features and Attributes
11.21.4 Bank of East Asia Personal Credit Card Revenue and Gross Margin (2020-2025)
11.21.5 Bank of East Asia Recent Developments
11.22 China Merchants Bank
11.22.1 China Merchants Bank Corporation Information
11.22.2 China Merchants Bank Business Overview
11.22.3 China Merchants Bank Personal Credit Card Product Features and Attributes
11.22.4 China Merchants Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.22.5 China Merchants Bank Recent Developments
11.23 ICBC
11.23.1 ICBC Corporation Information
11.23.2 ICBC Business Overview
11.23.3 ICBC Personal Credit Card Product Features and Attributes
11.23.4 ICBC Personal Credit Card Revenue and Gross Margin (2020-2025)
11.23.5 ICBC Recent Developments
11.24 China Construction Bank (CCB)
11.24.1 China Construction Bank (CCB) Corporation Information
11.24.2 China Construction Bank (CCB) Business Overview
11.24.3 China Construction Bank (CCB) Personal Credit Card Product Features and Attributes
11.24.4 China Construction Bank (CCB) Personal Credit Card Revenue and Gross Margin (2020-2025)
11.24.5 China Construction Bank (CCB) Recent Developments
11.25 Agricultural Bank of China (ABC)
11.25.1 Agricultural Bank of China (ABC) Corporation Information
11.25.2 Agricultural Bank of China (ABC) Business Overview
11.25.3 Agricultural Bank of China (ABC) Personal Credit Card Product Features and Attributes
11.25.4 Agricultural Bank of China (ABC) Personal Credit Card Revenue and Gross Margin (2020-2025)
11.25.5 Agricultural Bank of China (ABC) Recent Developments
11.26 Ping An Bank
11.26.1 Ping An Bank Corporation Information
11.26.2 Ping An Bank Business Overview
11.26.3 Ping An Bank Personal Credit Card Product Features and Attributes
11.26.4 Ping An Bank Personal Credit Card Revenue and Gross Margin (2020-2025)
11.26.5 Ping An Bank Recent Developments
11.27 Bank of China
11.27.1 Bank of China Corporation Information
11.27.2 Bank of China Business Overview
11.27.3 Bank of China Personal Credit Card Product Features and Attributes
11.27.4 Bank of China Personal Credit Card Revenue and Gross Margin (2020-2025)
11.27.5 Bank of China Recent Developments
12 Personal Credit CardIndustry Chain Analysis
12.1 Personal Credit Card Industry Chain
12.2 Upstream Analysis
12.2.1 Upstream Key Suppliers
12.3 Middlestream Analysis
12.4 Downstream Sales Model and Distribution Networks
12.4.1 Sales Channels
12.4.2 Distributors
13 Personal Credit Card Market Dynamics
13.1 Industry Trends and Evolution
13.2 Market Growth Drivers and Emerging Opportunities
13.3 Market Challenges, Risks, and Restraints
14 Key Findings in the Global Personal Credit Card Study
15 Appendix
15.1 Research Methodology
15.1.1 Methodology/Research Approach
15.1.1.1 Research Programs/Design
15.1.1.2 Market Size Estimation
15.1.1.3 Market Breakdown and Data Triangulation
15.1.2 Data Source
15.1.2.1 Secondary Sources
15.1.2.2 Primary Sources
15.2 Author Details
List of Tables
 Table 1. Global Personal Credit Card Market Size Growth Rate by Type, 2020 VS 2024 VS 2031 (US$ Million)
 Table 2. Global Personal Credit Card Market Size Growth Rate by Application, 2020 VS 2024 VS 2031 (US$ Million)
 Table 3. Global Personal Credit Card Revenue Grow Rate (CAGR) by Region: 2020 VS 2024 VS 2031 (US$ Million)
 Table 4. Global Personal Credit Card Revenue by Region (2020-2025) & (US$ Million)
 Table 5. Global Personal Credit Card Revenue by Region (2026-2031) & (US$ Million)
 Table 6. Emerging Market Revenue Grow Rate (CAGR) by Country (2020 VS 2024 VS 2031) (US$ Million)
 Table 7. Global Personal Credit Card Revenue by Players (2020-2025) & (US$ Million)
 Table 8. Global Personal Credit Card Revenue Market Share by Players (2020-2025)
 Table 9. Global Key Players’Ranking Shift (2023 vs. 2024) (Based on Revenue)
 Table 10. Global Personal Credit Card by Player Tier (Tier 1, Tier 2, and Tier 3) & (based on the Revenue in Personal Credit Card as of 2024)
 Table 11. Global Personal Credit Card Average Gross Margin (%) by Player (2020 VS 2024)
 Table 12. Global Personal Credit Card Companies Headquarters
 Table 13. Global Personal Credit Card Market Concentration Ratio (CR5 and HHI)
 Table 14. Key Market Entrant/Exit (2020-2024) – Drivers & Impact Analysis
 Table 15. Key Mergers & Acquisitions, Expansion Plans, R&D Investment
 Table 16. Global Personal Credit Card Revenue by Type (2020-2025) & (US$ Million)
 Table 17. Global Personal Credit Card Revenue by Type (2026-2031) & (US$ Million)
 Table 18. Key Product Attributes and Differentiation
 Table 19. Global Personal Credit Card Revenue by Application (2020-2025) & (US$ Million)
 Table 20. Global Personal Credit Card Revenue by Application (2026-2031) & (US$ Million)
 Table 21. Personal Credit Card High-Growth Sectors Demand CAGR (2024-2031)
 Table 22. Top Customers by Region
 Table 23. Top Customers by Application
 Table 24. North America Personal Credit Card Growth Accelerators and Market Barriers
 Table 25. North America Personal Credit Card Revenue Grow Rate (CAGR) by Country (2020 VS 2024 VS 2031) (US$ Million)
 Table 26. Europe Personal Credit Card Growth Accelerators and Market Barriers
 Table 27. Europe Personal Credit Card Revenue Grow Rate (CAGR) by Country: 2020 VS 2024 VS 2031 (US$ Million)
 Table 28. Asia-Pacific Personal Credit Card Growth Accelerators and Market Barriers
 Table 29. Asia-Pacific Personal Credit Card Revenue Grow Rate (CAGR) by Region: 2020 VS 2024 VS 2031 (US$ Million)
 Table 30. Central and South America Personal Credit Card Investment Opportunities and Key Challenges
 Table 31. Central and South America Personal Credit Card Revenue Grow Rate (CAGR) by Country (2020 VS 2024 VS 2031) (US$ Million)
 Table 32. Middle East and Africa Personal Credit Card Investment Opportunities and Key Challenges
 Table 33. Middle East and Africa Personal Credit Card Revenue Grow Rate (CAGR) by Country (2020 VS 2024 VS 2031) (US$ Million)
 Table 34. JPMorgan Corporation Information
 Table 35. JPMorgan Description and Major Businesses
 Table 36. JPMorgan Product Features and Attributes
 Table 37. JPMorgan Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 38. JPMorgan Revenue Proportion by Product in 2024
 Table 39. JPMorgan Revenue Proportion by Application in 2024
 Table 40. JPMorgan Revenue Proportion by Geographic Area in 2024
 Table 41. JPMorgan Personal Credit Card SWOT Analysis
 Table 42. JPMorgan Recent Developments
 Table 43. Citibank Corporation Information
 Table 44. Citibank Description and Major Businesses
 Table 45. Citibank Product Features and Attributes
 Table 46. Citibank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 47. Citibank Revenue Proportion by Product in 2024
 Table 48. Citibank Revenue Proportion by Application in 2024
 Table 49. Citibank Revenue Proportion by Geographic Area in 2024
 Table 50. Citibank Personal Credit Card SWOT Analysis
 Table 51. Citibank Recent Developments
 Table 52. Bank of America Corporation Information
 Table 53. Bank of America Description and Major Businesses
 Table 54. Bank of America Product Features and Attributes
 Table 55. Bank of America Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 56. Bank of America Revenue Proportion by Product in 2024
 Table 57. Bank of America Revenue Proportion by Application in 2024
 Table 58. Bank of America Revenue Proportion by Geographic Area in 2024
 Table 59. Bank of America Personal Credit Card SWOT Analysis
 Table 60. Bank of America Recent Developments
 Table 61. Wells Fargo Corporation Information
 Table 62. Wells Fargo Description and Major Businesses
 Table 63. Wells Fargo Product Features and Attributes
 Table 64. Wells Fargo Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 65. Wells Fargo Revenue Proportion by Product in 2024
 Table 66. Wells Fargo Revenue Proportion by Application in 2024
 Table 67. Wells Fargo Revenue Proportion by Geographic Area in 2024
 Table 68. Wells Fargo Personal Credit Card SWOT Analysis
 Table 69. Wells Fargo Recent Developments
 Table 70. Capital One Corporation Information
 Table 71. Capital One Description and Major Businesses
 Table 72. Capital One Product Features and Attributes
 Table 73. Capital One Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 74. Capital One Revenue Proportion by Product in 2024
 Table 75. Capital One Revenue Proportion by Application in 2024
 Table 76. Capital One Revenue Proportion by Geographic Area in 2024
 Table 77. Capital One Personal Credit Card SWOT Analysis
 Table 78. Capital One Recent Developments
 Table 79. American Express Corporation Information
 Table 80. American Express Description and Major Businesses
 Table 81. American Express Product Features and Attributes
 Table 82. American Express Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 83. American Express Recent Developments
 Table 84. HSBC Corporation Information
 Table 85. HSBC Description and Major Businesses
 Table 86. HSBC Product Features and Attributes
 Table 87. HSBC Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 88. HSBC Recent Developments
 Table 89. Sumitomo Mitsui Banking Corporation Corporation Information
 Table 90. Sumitomo Mitsui Banking Corporation Description and Major Businesses
 Table 91. Sumitomo Mitsui Banking Corporation Product Features and Attributes
 Table 92. Sumitomo Mitsui Banking Corporation Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 93. Sumitomo Mitsui Banking Corporation Recent Developments
 Table 94. BNP Paribas Corporation Information
 Table 95. BNP Paribas Description and Major Businesses
 Table 96. BNP Paribas Product Features and Attributes
 Table 97. BNP Paribas Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 98. BNP Paribas Recent Developments
 Table 99. State Bank of India Corporation Information
 Table 100. State Bank of India Description and Major Businesses
 Table 101. State Bank of India Product Features and Attributes
 Table 102. State Bank of India Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 103. State Bank of India Recent Developments
 Table 104. Sberbank Corporation Information
 Table 105. Sberbank Description and Major Businesses
 Table 106. Sberbank Product Features and Attributes
 Table 107. Sberbank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 108. Sberbank Recent Developments
 Table 109. MUFG Bank Corporation Information
 Table 110. MUFG Bank Description and Major Businesses
 Table 111. MUFG Bank Product Features and Attributes
 Table 112. MUFG Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 113. MUFG Bank Recent Developments
 Table 114. Itau Unibanco Corporation Information
 Table 115. Itau Unibanco Description and Major Businesses
 Table 116. Itau Unibanco Product Features and Attributes
 Table 117. Itau Unibanco Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 118. Itau Unibanco Recent Developments
 Table 119. Commonwealth Bank Corporation Information
 Table 120. Commonwealth Bank Description and Major Businesses
 Table 121. Commonwealth Bank Product Features and Attributes
 Table 122. Commonwealth Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 123. Commonwealth Bank Recent Developments
 Table 124. Credit Agricole Corporation Information
 Table 125. Credit Agricole Description and Major Businesses
 Table 126. Credit Agricole Product Features and Attributes
 Table 127. Credit Agricole Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 128. Credit Agricole Recent Developments
 Table 129. Deutsche Bank Corporation Information
 Table 130. Deutsche Bank Description and Major Businesses
 Table 131. Deutsche Bank Product Features and Attributes
 Table 132. Deutsche Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 133. Deutsche Bank Recent Developments
 Table 134. Hyundai Card Corporation Information
 Table 135. Hyundai Card Description and Major Businesses
 Table 136. Hyundai Card Product Features and Attributes
 Table 137. Hyundai Card Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 138. Hyundai Card Recent Developments
 Table 139. Al-Rajhi Bank Corporation Information
 Table 140. Al-Rajhi Bank Description and Major Businesses
 Table 141. Al-Rajhi Bank Product Features and Attributes
 Table 142. Al-Rajhi Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 143. Al-Rajhi Bank Recent Developments
 Table 144. Standard Bank Corporation Information
 Table 145. Standard Bank Description and Major Businesses
 Table 146. Standard Bank Product Features and Attributes
 Table 147. Standard Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 148. Standard Bank Recent Developments
 Table 149. Hang Seng Bank Corporation Information
 Table 150. Hang Seng Bank Description and Major Businesses
 Table 151. Hang Seng Bank Product Features and Attributes
 Table 152. Hang Seng Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 153. Hang Seng Bank Recent Developments
 Table 154. Bank of East Asia Corporation Information
 Table 155. Bank of East Asia Description and Major Businesses
 Table 156. Bank of East Asia Product Features and Attributes
 Table 157. Bank of East Asia Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 158. Bank of East Asia Recent Developments
 Table 159. China Merchants Bank Corporation Information
 Table 160. China Merchants Bank Description and Major Businesses
 Table 161. China Merchants Bank Product Features and Attributes
 Table 162. China Merchants Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 163. China Merchants Bank Recent Developments
 Table 164. ICBC Corporation Information
 Table 165. ICBC Description and Major Businesses
 Table 166. ICBC Product Features and Attributes
 Table 167. ICBC Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 168. ICBC Recent Developments
 Table 169. China Construction Bank (CCB) Corporation Information
 Table 170. China Construction Bank (CCB) Description and Major Businesses
 Table 171. China Construction Bank (CCB) Product Features and Attributes
 Table 172. China Construction Bank (CCB) Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 173. China Construction Bank (CCB) Recent Developments
 Table 174. Agricultural Bank of China (ABC) Corporation Information
 Table 175. Agricultural Bank of China (ABC) Description and Major Businesses
 Table 176. Agricultural Bank of China (ABC) Product Features and Attributes
 Table 177. Agricultural Bank of China (ABC) Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 178. Agricultural Bank of China (ABC) Recent Developments
 Table 179. Ping An Bank Corporation Information
 Table 180. Ping An Bank Description and Major Businesses
 Table 181. Ping An Bank Product Features and Attributes
 Table 182. Ping An Bank Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 183. Ping An Bank Recent Developments
 Table 184. Bank of China Corporation Information
 Table 185. Bank of China Description and Major Businesses
 Table 186. Bank of China Product Features and Attributes
 Table 187. Bank of China Revenue (US$ Million) and Gross Margin (2020-2025)
 Table 188. Bank of China Recent Developments
 Table 189. Raw Materials Key Suppliers
 Table 190. Distributors List
 Table 191. Market Trends and Market Evolution
 Table 192. Market Drivers and Opportunities
 Table 193. Market Challenges, Risks, and Restraints
 Table 194. Research Programs/Design for This Report
 Table 195. Key Data Information from Secondary Sources
 Table 196. Key Data Information from Primary Sources


List of Figures
 Figure 1. Personal Credit Card Product Picture
 Figure 2. Global Personal Credit Card Market Size Growth Rate by Type, 2020 VS 2024 VS 2031 (US$ Million)
 Figure 3. Daily Consumption Product Picture
 Figure 4. Travel Product Picture
 Figure 5. Entertainment Product Picture
 Figure 6. Others Product Picture
 Figure 7. Global Personal Credit Card Market Size Growth Rate by Application, 2020 VS 2024 VS 2031 (US$ Million)
 Figure 8. Customers with Limited Credit Card Usage
 Figure 9. Credit Card Users with Low Utilisation
 Figure 10. Transactors
 Figure 11. Customers with High Credit Card Usage
 Figure 12. Credit Card Users with Revolving and Persistent Debt
 Figure 13. Personal Credit Card Report Years Considered
 Figure 14. Global Personal Credit Card Revenue, (US$ Million), 2020 VS 2024 VS 2031
 Figure 15. Global Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 16. Global Personal Credit Card Revenue (CAGR) by Region: 2020 VS 2024 VS 2031 (US$ Million)
 Figure 17. Global Personal Credit Card Revenue Market Share by Region (2020-2031)
 Figure 18. Global Personal Credit Card Revenue Market Share Ranking (2024)
 Figure 19. Tier Distribution by Revenue Contribution (2020 VS 2024)
 Figure 20. Daily Consumption Revenue Market Share by Player in 2024
 Figure 21. Travel Revenue Market Share by Player in 2024
 Figure 22. Entertainment Revenue Market Share by Player in 2024
 Figure 23. Others Revenue Market Share by Player in 2024
 Figure 24. Global Personal Credit Card Revenue Market Share by Type (2020-2031)
 Figure 25. Global Personal Credit Card Revenue Market Share by Application (2020-2031)
 Figure 26. North America Personal Credit Card Revenue YoY (2020-2031) & (US$ Million)
 Figure 27. North America Top 5 Players Personal Credit Card Revenue (US$ Million) in 2024
 Figure 28. North America Personal Credit Card Revenue (US$ Million) by Type (2020 - 2031)
 Figure 29. North America Personal Credit Card Revenue (US$ Million) by Application (2020-2031)
 Figure 30. US Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 31. Canada Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 32. Mexico Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 33. Europe Personal Credit Card Revenue YoY (2020-2031) & (US$ Million)
 Figure 34. Europe Top 5 Players Personal Credit Card Revenue (US$ Million) in 2024
 Figure 35. Europe Personal Credit Card Revenue (US$ Million) by Type (2020-2031)
 Figure 36. Europe Personal Credit Card Revenue (US$ Million) by Application (2020-2031)
 Figure 37. Germany Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 38. France Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 39. U.K. Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 40. Italy Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 41. Russia Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 42. Asia-Pacific Personal Credit Card Revenue YoY (2020-2031) & (US$ Million)
 Figure 43. Asia-Pacific Top 8 Players Personal Credit Card Revenue (US$ Million) in 2024
 Figure 44. Asia-Pacific Personal Credit Card Revenue (US$ Million) by Type (2020-2031)
 Figure 45. Asia-Pacific Personal Credit Card Revenue (US$ Million) by Application (2020-2031)
 Figure 46. Indonesia Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 47. Japan Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 48. South Korea Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 49. Australia Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 50. India Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 51. Indonesia Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 52. Vietnam Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 53. Malaysia Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 54. Philippines Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 55. Singapore Personal Credit Card Revenue (2020-2031) & (US$ Million)
 Figure 56. Central and South America Personal Credit Card Revenue YoY (2020-2031) & (US$ Million)
 Figure 57. Central and South America Top 5 Players Personal Credit Card Revenue (US$ Million) in 2024
 Figure 58. Central and South America Personal Credit Card Revenue (US$ Million) by Type (2020-2031)
 Figure 59. Central and South America Personal Credit Card Revenue (US$ Million) by Application (2020-2031)
 Figure 60. Brazil Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 61. Argentina Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 62. Middle East and Africa Personal Credit Card Revenue YoY (2020-2031) & (US$ Million)
 Figure 63. Middle East and Africa Top 5 Players Personal Credit Card Revenue (US$ Million) in 2024
 Figure 64. South America Personal Credit Card Revenue (US$ Million) by Type (2020-2031)
 Figure 65. Middle East and Africa Personal Credit Card Revenue (US$ Million) by Application (2020-2031)
 Figure 66. GCC Countries Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 67. Israel Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 68. Egypt Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 69. South Africa Personal Credit Card Revenue (2020-2025) & (US$ Million)
 Figure 70. Personal Credit Card Industry Chain Mapping
 Figure 71. Channels of Distribution (Direct Vs Distribution)
 Figure 72. Bottom-up and Top-down Approaches for This Report
 Figure 73. Data Triangulation
 Figure 74. Key Executives Interviewed
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