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インドクレジットカード市場:タイプ別市場シェア分析(汎用・プライベートブランド)、サービス提供会社別市場シェア分析(Visa、Mastercard、RuPay、その他)、与信限度額別市場シェア分析(25Kまで、25~50K、51K~2L、2~5L)、カードタイプ別市場シェア分析(ベース、署名、プラチナ)、特典別市場シェア分析(キャッシュバック、クーポン)、地域別市場シェア、競争、予測、機会、2018~2028F


India Credit Card Market, By Type Market Share Analysis (General Purpose & Private Label), By Service Providing Company (Visa, Mastercard, RuPay & Others), By Credit Limit Market Share Analysis (Upto 25 K, 25-50K, 51k-2L & 2-5L), By Card Type Market Share Analysis (Base, Signature and Platinum), By Benefits Market Share Analysis (Cashback & Voucher), By Region, Competition, Forecast & Opportunities, 2018-2028F

インドのクレジットカード市場は、いくつかの重要な要因により、予測期間中に力強い成長を示すと考えられている。キャッシュレス取引の増加、魅力的なクレジットカードのオファー、クレジットカードの受け入れの... もっと見る

 

 

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インドのクレジットカード市場は、いくつかの重要な要因により、予測期間中に力強い成長を示すと考えられている。キャッシュレス取引の増加、魅力的なクレジットカードのオファー、クレジットカードの受け入れの増加、デビットベースからクレジットベースへの移行、提携カードの出現などが、この成長を後押ししている。

インドのクレジットカード市場は、急速な技術進歩によって著しい拡大を遂げている。合理化されたオンボーディング・プロセス、ユニークなカード商品、パーソナライズされたオファーや特典、強化されたモバイル・アプリなど、注目すべき開発は、新規顧客を引きつけると同時に、既存顧客にも有利であることが証明されている。クレジットカード発行会社は、この市場における認知度の向上とイノベーションの育成に熱心に取り組んでおり、インドにおけるクレジットカード市場の顕著な成長は、こうした努力を証明している。

2022年7月現在、有効なクレジットカードは7,800万枚発行されている。さらに、クレジットカードの利用額は2022年5月に過去最高の151億6000万米ドル(11億3000万インドルピー)に達した。しかし、成長軌道は、COVID-19の流行により2020-21年度にはわずかな落ち込みを経験し、その結果、クレジットカード支出は小幅ながら9%増加した。クレジットカードの利用は全体的に増加したにもかかわらず、このような結果となった。特筆すべきは、インド準備銀行(RBI)がこの時期、大手クレジットカード発行会社の一部に対し、インドでの新規カード発行を抑制する介入を行ったことである。

悪魔化の波とキャッシュレス経済推進のための政府の取り組みを受けて、インドではクレジットカードの利用が急増した。全国のPOS端末は、さまざまな商品やサービスに対してクレジットカードを利用できるようになった。例えば、2022年11月現在、インドには131,998,684台のPOS端末があり、クレジットカードの普及を裏付けている。

デジタル決済、特にUPI(Unified Payments Interface)取引の台頭は、クレジットカード業界に大きな影響を与えている。スマートフォンの普及、手頃な価格のインターネットアクセス、加盟店によるUPI取引の普及といった要因が、UPI取引を後押ししている。フィンテック企業は伝統的な銀行と提携し、クレジットカードや、BNPL(Buy Now, Pay Later)やEMI(Equated Monthly Installment)オプションを含む様々なデジタル融資サービスを提供している。例えば、主に公的セクターの銀行が発行しているRuPayクレジットカードは、現在UPIアプリとリンクさせることができ、実店舗でのQRベースのクレジット決済を可能にし、消費者の決済プロセスを合理化している。

限られたクレジットカード普及率が阻む市場成長
比較的、米国は15億枚の有効なクレジットカードを誇り、国内の全有効カードの67%を占めている。米国では、利便性とわかりやすい使用方法から、購入にクレジットカードが広く使用されており、口座関連の不正行為に関する懸念が最小限に抑えられている。

インドでは、心理的要因が普及に影響を与え続けている。保守的な中産階級は、クレジットカードやクレジット全般の利用に抵抗を示している。高金利の認識やクレジットカードの特典に関する不確実性が、クレジットカード市場拡大の障害となっている。それにもかかわらず、クレジットカード会社は、割引や旅行ポイントなどの特典を提供し、顧客を引き付けることで、こうした課題に対抗している。

クレジットカードの多様な特典
クレジットカードの利用は、様々なサービスのオンライン決済を行う際に、利用者に無数のメリットを提供する。これらの特典には、特典、バウチャー、キャッシュバック・オファーなどが含まれ、ホテル予約、モバイル・チャージ、映画チケット、ショッピングなどのアクティビティにおけるクレジットカード決済のバリュー・プロポジションを高めている。HDFC Bank Regalia Credit CardやSBI Card Eliteのような有名なクレジットカードは、カード会員にラウンジの利用、ゴルフ特典、レストランや小売店の割引、リワードポイント、旅行保険などを提供し、クレジットカード利用の魅力を高めている。

市場競争に拍車をかけるNBFCの参入

クレジットカード市場は非常に集中しており、上位6社の発行会社が市場の81%を占めている。しかし、今後5年間で推定3億5,000万人がオンライン・ショッピングを利用するようになると予想されており、より多くのプレーヤーが必要とされている。RBIは、特定の純資産基準を満たすことを条件に、非銀行金融会社(NBFC)にクレジット事業の立ち上げを認める寛容なアプローチをとっており、競争が促進され、クレジットカード市場への新規参入が促進されるであろう。
市場細分化
インドのクレジットカード市場は、タイプ、サービス提供会社、クレジット限度額、カードタイプ、ベネフィット、地域、競合状況によって区分される。タイプ別では、市場はさらに汎用とプライベートブランドに細分化される。サービス提供会社に基づくと、市場はVisa、Mastercard、RuPay、その他に区分される。与信限度額に基づき、市場は2万5,000円まで、2万5,000円から5万円、5万1,000円から2L、2Lから5Lに細分化される。カードタイプに基づき、市場はベース、シグネチャー、プラチナに細分化される。ベネフィットに基づき、市場はキャッシュバックとバウチャーに区分される。市場分析では、北、西、南、東の地域区分も調査している。
企業プロフィール
HDFC Bank Ltd.、SBI Cards and Payment Services Limited、ICICI Bank Limited、Axis Bank Limited、Citibank India、Bank of Baroda、RBL Bank Ltd.、Kotak Mahindra Bank Limited、Punjab National Bank、IndusInd Bankなどが、インドクレジットカード市場の成長を牽引するインドの主要企業である。
レポートの範囲
本レポートでは、インドクレジットカード市場を以下のカテゴリーに分類し、さらに業界動向についても詳述しています:
- インドのクレジットカード市場、タイプ別
o 汎用
o プライベートブランド
- インドクレジットカード市場:サービス提供会社別
o Visa
o Mastercard
o RuPay
o その他
- インドクレジットカード市場:利用限度額
o 25Kまで
o 25-50万円
o 51k-2L
o 2-5L
- インドクレジットカード市場:カードタイプ
ベース
o シグネチャー
o プラチナ
- インドクレジットカード市場:ベネフィット
o キャッシュバック
バウチャー
- インドのクレジットカード市場:地域別
北部
西


競合状況
企業プロフィール:インドクレジットカード市場における主要企業の詳細分析
利用可能なカスタマイズ:
TechSci Research社は、与えられた市場データをもとに、企業固有のニーズに応じたカスタマイズを提供しています。本レポートでは以下のカスタマイズが可能です:
企業情報
- 追加市場参入企業(最大5社)の詳細分析とプロファイリング

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目次

1. Introduction
1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments
4. Voice of Customer Analysis (B2C Model Analysis)
4.1. Sample Size Determination
4.2. Respondent Demographics
4.2.1. By Gender
4.2.2. By Age
4.2.3. By Occupation
4.3. Most Important Factors Determining Usage for Credit Card Users
4.4. Factors Influencing Credit Card Adoption in India
4.5. Leading Credit Card Companies in Terms of Customer Service
4.6. Frequency of Review of Credit Score by Credit Card Users
4.7. Purpose of Using Credit Card
4.8. Readiness to Increase Credit Limit
5. India Credit Card Market Outlook
5.1. Market Size & Forecast
5.1.1. By Volume
5.2. Market Share & Forecast
5.2.1. By Type Market Share Analysis (General Purpose & Private Label)
5.2.2. By Service Providing Company Market Share Analysis (Visa, Mastercard, RuPay & Others)
5.2.3. By Credit Limit Market Share Analysis (Upto 25 K, 25-50K, 51k-2L & 2-5L)
5.2.4. By Card Type Market Share Analysis (Base, Signature and Platinum)
5.2.5. By Benefits Market Share Analysis (Cashback & Voucher)
5.2.6. By Regional Market Share Analysis
5.2.6.1. North Market Share Analysis
5.2.6.2. West Market Share Analysis
5.2.6.3. South Market Share Analysis
5.2.6.4. East Market Share Analysis
5.2.7. By Top 5 Companies Market Share Analysis, Others (2022)
5.3. India Credit Card Market Mapping & Opportunity Assessment
5.3.1. By Type Market Mapping & Opportunity Assessment
5.3.2. By Service Providing Company Market Mapping & Opportunity Assessment
5.3.3. By Card Type Market Mapping & Opportunity Assessment
5.3.4. By Benefits Market Mapping & Opportunity Assessment
5.3.5. By Regional Market Mapping & Opportunity Assessment
6. West India Credit Card Market Outlook
6.1. Market Size & Forecast
6.1.1. By Volume
6.2. Market Share & Forecast
6.2.1. By Service Providing Company Market Share Analysis
6.2.2. By Credit Limit Market Share Analysis
6.2.3. By Card Type Distribution Channel Market Share Analysis
7. South India Credit Card Market Outlook
7.1. Market Size & Forecast
7.1.1. By Volume
7.2. Market Share & Forecast
7.2.1. By Service Providing Company Market Share Analysis
7.2.2. By Credit Limit Market Share Analysis
7.2.3. By Card Type Distribution Channel Market Share Analysis
8. North India Credit Card Market Outlook
8.1. Market Size & Forecast
8.1.1. By Volume
8.2. Market Share & Forecast
8.2.1. By Service Providing Company Market Share Analysis
8.2.2. By Credit Limit Market Share Analysis
8.2.3. By Card Type Distribution Channel Market Share Analysis
9. East India Credit Card Market Outlook
9.1. Market Size & Forecast
9.1.1. By Volume
9.2. Market Share & Forecast
9.2.1. By Service Providing Company Market Share Analysis
9.2.2. By Credit Limit Market Share Analysis
9.2.3. By Card Type Distribution Channel Market Share Analysis
10. Market Dynamics
10.1. Drivers
10.1.1. Increasing Adoption of Cashless Transactions
10.1.2. Attractive Offers on Usage of Credit Cards
10.1.3. Rising Acceptance of Credit Cards
10.2. Challenges
10.2.1. Credit Card Payment Defaults
10.2.2. High Interest and Charges
11. Impact of COVID-19 on India Credit Card Market
11.1. Impact Assessment Model
11.1.1. Key Segments Impacted
11.1.2. Key Regions Impacted
12. Market Trends & Developments
12.1. Increasing Penetration of Co-Branded Cards
12.2. Increasing Security
12.3. Adoption of 5G
12.4. Digital India Initiative
12.5. Rising Contactless Payments
13. Porter’s Five Forces Model
13.1. Competition Rivalry
13.2. Bargaining Power of Buyers
13.3. Bargaining Power of Suppliers
13.4. Threat of New Entrants
13.5. Threat of Substitutes
14. SWOT Analysis
14.1. Strengths
14.2. Weaknesses
14.3. Opportunities
14.4. Threats
15. Policy & Regulatory Landscape
16. India Economic Profile
17. Competitive Landscape
17.1. Company Profiles
17.1.1. HDFC Bank Limited
17.1.1.1. Company Details
17.1.1.2. Product & Services
17.1.1.3. Financials (As Reported)
17.1.1.4. Digital Banking Services
17.1.1.5. Key market Focus & Geographical Presence
17.1.1.6. Recent Developments
17.1.1.7. Key Management Personnel
17.1.2. SBI Cards and Payment Services Limited
17.1.2.1. Company Details
17.1.2.2. Product & Services
17.1.2.3. Financials (As Reported)
17.1.2.4. Digital Banking Services
17.1.2.5. Key market Focus & Geographical Presence
17.1.2.6. Recent Developments
17.1.2.7. Key Management Personnel
17.1.3. ICICI Bank Limited
17.1.3.1. Company Details
17.1.3.2. Product & Services
17.1.3.3. Financials (As Reported)
17.1.3.4. Digital Banking Services
17.1.3.5. Key market Focus & Geographical Presence
17.1.3.6. Recent Developments
17.1.3.7. Key Management Personnel
17.1.4. Axis Bank Limited
17.1.4.1. Company Details
17.1.4.2. Product & Services
17.1.4.3. Financials (As Reported)
17.1.4.4. Digital Banking Services
17.1.4.5. Key market Focus & Geographical Presence
17.1.4.6. Recent Developments
17.1.4.7. Key Management Personnel
17.1.5. Citibank India
17.1.5.1. Company Details
17.1.5.2. Product & Services
17.1.5.3. Financials (As Reported)
17.1.5.4. Digital Banking Services
17.1.5.5. Key market Focus & Geographical Presence
17.1.5.6. Recent Developments
17.1.5.7. Key Management Personnel
17.1.6. Bank of Baroda
17.1.6.1. Company Details
17.1.6.2. Product & Services
17.1.6.3. Financials (As Reported)
17.1.6.4. Digital Banking Services
17.1.6.5. Key market Focus & Geographical Presence
17.1.6.6. Recent Developments
17.1.6.7. Key Management Personnel
17.1.7. RBL Bank Ltd.
17.1.7.1. Company Details
17.1.7.2. Product & Services
17.1.7.3. Financials (As Reported)
17.1.7.4. Digital Banking Services
17.1.7.5. Key market Focus & Geographical Presence
17.1.7.6. Recent Developments
17.1.7.7. Key Management Personnel
17.1.8. Kotak Mahindra Bank Limited
17.1.8.1. Company Details
17.1.8.2. Product & Services
17.1.8.3. Financials (As Reported)
17.1.8.4. Digital Banking Services
17.1.8.5. Key market Focus & Geographical Presence
17.1.8.6. Recent Developments
17.1.8.7. Key Management Personnel
17.1.9. Punjab National Bank
17.1.9.1. Company Details
17.1.9.2. Product & Services
17.1.9.3. Financials (As Reported)
17.1.9.4. Digital Banking Services
17.1.9.5. Key market Focus & Geographical Presence
17.1.9.6. Recent Developments
17.1.9.7. Key Management Personnel
17.1.10. IndusInd Bank
17.1.10.1. Company Details
17.1.10.2. Product & Services
17.1.10.3. Financials (As Reported)
17.1.10.4. Digital Banking Services
17.1.10.5. Key market Focus & Geographical Presence
17.1.10.6. Recent Developments
17.1.10.7. Key Management Personnel
18. Strategic Recommendations/Action Plan
18.1. Key Focus Areas
18.1.1. Target Region
18.1.2. Target Type
18.1.3. Target Credit Limit
19. About Us & Disclaimer

(Note: The companies list can be customized based on the client requirements.)

 

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Summary

The Indian credit card market is poised to exhibit robust growth in the forecast period due to several key factors. The increasing adoption of cashless transactions, coupled with enticing credit card offers, rising acceptance of credit cards, a shift from debit-based to credit-based economy, and the emergence of co-branded card offerings are driving this growth.

India's credit card market has undergone significant expansion, characterized by rapid technological advancements. Noteworthy developments, including streamlined onboarding processes, unique card products, personalized offers and rewards, and enhanced mobile apps, have proven advantageous to existing customers while attracting new ones. Credit card issuers are diligently working to raise awareness and foster innovation in this market, and the notable growth of the credit card market in India attests to these efforts.

As of July 2022, there were 78 million active credit cards in circulation. Moreover, credit card spending reached a record high of USD 15.16 billion (INR 1.13 lakh crore) in May 2022. The growth trajectory, however, experienced a minor dip during FY 2020–21 due to the COVID-19 pandemic, resulting in a modest 9% increase in credit card spending. This occurred despite the overall uptick in credit card usage. Notably, the Reserve Bank of India (RBI) intervened to curb some of the major credit card issuers from issuing new cards in India during this period.

Following the wave of demonetization and government initiatives to promote a cashless economy, credit card acceptance has witnessed a surge in India. Point-of-sale (POS) terminals across the country have adapted to accepting credit cards for a diverse range of goods and services. For instance, as of November 2022, India boasts 131,998,684 POS terminals, affirming the widespread adoption of credit cards.

The rise of digital payments, particularly Unified Payments Interface (UPI) transactions, has significantly impacted the credit card industry. Factors such as smartphone proliferation, affordable internet access, and widespread merchant acceptance have propelled UPI transactions. Fintech companies are collaborating with traditional banks to offer credit cards and various digital lending services, including buy now, pay later (BNPL) and equated monthly installment (EMI) options. For example, RuPay credit cards, primarily issued by public sector banks, can now be linked to UPI apps, enabling QR-based credit payments at physical stores and streamlining payment processes for consumers.

Market Growth Hindered by Limited Credit Card Penetration
Comparatively, the United States boasts 1.5 billion active credit cards, constituting 67% of all active cards in the country. The widespread use of credit cards for purchases is prominent in the US due to convenience and straightforward usage, minimizing concerns about account-related fraud.

In India, psychological factors continue to impact penetration. The conservative middle class exhibits reservations about using credit cards and credit in general. Perceived high interest rates and uncertainty about credit card benefits are obstacles to credit card market expansion. Nonetheless, credit card companies have countered these challenges by offering extra perks such as discounts, travel points, and other incentives to attract customers.

Diverse Offers with Credit Cards
Credit card usage offers users a myriad of advantages when making online payments for various services. These benefits include rewards, vouchers, cashback offers, and more, enhancing the value proposition of credit card payments for activities such as hotel bookings, mobile recharges, movie tickets, and shopping. Notable credit cards like HDFC Bank Regalia Credit Card and SBI Card Elite offer cardholders lounge access, golf privileges, dining and retail discounts, reward points, and travel insurance, amplifying the attractiveness of credit card usage.

Entry of NBFCs Fueling Market Competition

The credit card market is highly concentrated, with the top six issuers accounting for 81% of the market. However, with an estimated 350 million people anticipated to access online shopping in the next five years, more players are needed. The RBI's more permissive approach toward allowing Non-Banking Financial Companies (NBFCs) to launch credit businesses, provided they meet specific net worth criteria, will foster competition and encourage new entrants into the credit card market.
Market Segmentation
The India Credit Card market is segmented based on Type, Service Providing Company, Credit Limit, Card Type, Benefits, Region, and by Competitional Landscape. Based on type, the market is further fragmented into General Purpose & Private Label. Based on Service Providing Company, the market is segmented into Visa, Mastercard, RuPay & Others. Based on Credit Limit, the market is subjected into parts such as upto 25 K, 25-50K, 51k-2L & 2-5L. Based on Card Type, the market is fragmented into Base, Signature and Platinum. Based on the Benefits, the market is segmented into Cashback & Voucher. The market analysis also studies the regional segmentation to be divided among north, west, south, & east.
Company Profiles
HDFC Bank Ltd., SBI Cards and Payment Services Limited, ICICI Bank Limited, Axis Bank Limited, Citibank India, Bank of Baroda, RBL Bank Ltd., Kotak Mahindra Bank Limited, Punjab National Bank, IndusInd Bank, are among the major market players in India that lead the market growth of the India Credit Card Market.
Report Scope:
In this report, India Credit Card market has been segmented into following categories, in addition to the industry trends which have also been detailed below:
• India Credit Card Market, By Type:
o General Purpose
o Private Label
• India Credit Card Market, Service Providing Company:
o Visa
o Mastercard
o RuPay
o Others
• India Credit Card Market, Credit Limit:
o Upto 25 K
o 25-50K
o 51k-2L
o 2-5L
• India Credit Card Market, Card Type:
o Base
o Signature
o Platinum
• India Credit Card Market, Benefits:
o Cashback
o Voucher
• India Credit Card Market, By Region:
o North
o West
o South
o East
Competitive Landscape
Company Profiles: Detailed analysis of the major companies present in India Credit Card market.
Available Customizations:
With the given market data, TechSci Research offers customizations according to a company’s specific needs. The following customization options are available for the report:
Company Information
• Detailed analysis and profiling of additional market players (up to five).



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Table of Contents

1. Introduction
1.1. Product Overview
1.2. Key Highlights of the Report
1.3. Market Coverage
1.4. Market Segments Covered
1.5. Research Tenure Considered
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. Executive Summary
3.1. Market Overview
3.2. Market Forecast
3.3. Key Regions
3.4. Key Segments
4. Voice of Customer Analysis (B2C Model Analysis)
4.1. Sample Size Determination
4.2. Respondent Demographics
4.2.1. By Gender
4.2.2. By Age
4.2.3. By Occupation
4.3. Most Important Factors Determining Usage for Credit Card Users
4.4. Factors Influencing Credit Card Adoption in India
4.5. Leading Credit Card Companies in Terms of Customer Service
4.6. Frequency of Review of Credit Score by Credit Card Users
4.7. Purpose of Using Credit Card
4.8. Readiness to Increase Credit Limit
5. India Credit Card Market Outlook
5.1. Market Size & Forecast
5.1.1. By Volume
5.2. Market Share & Forecast
5.2.1. By Type Market Share Analysis (General Purpose & Private Label)
5.2.2. By Service Providing Company Market Share Analysis (Visa, Mastercard, RuPay & Others)
5.2.3. By Credit Limit Market Share Analysis (Upto 25 K, 25-50K, 51k-2L & 2-5L)
5.2.4. By Card Type Market Share Analysis (Base, Signature and Platinum)
5.2.5. By Benefits Market Share Analysis (Cashback & Voucher)
5.2.6. By Regional Market Share Analysis
5.2.6.1. North Market Share Analysis
5.2.6.2. West Market Share Analysis
5.2.6.3. South Market Share Analysis
5.2.6.4. East Market Share Analysis
5.2.7. By Top 5 Companies Market Share Analysis, Others (2022)
5.3. India Credit Card Market Mapping & Opportunity Assessment
5.3.1. By Type Market Mapping & Opportunity Assessment
5.3.2. By Service Providing Company Market Mapping & Opportunity Assessment
5.3.3. By Card Type Market Mapping & Opportunity Assessment
5.3.4. By Benefits Market Mapping & Opportunity Assessment
5.3.5. By Regional Market Mapping & Opportunity Assessment
6. West India Credit Card Market Outlook
6.1. Market Size & Forecast
6.1.1. By Volume
6.2. Market Share & Forecast
6.2.1. By Service Providing Company Market Share Analysis
6.2.2. By Credit Limit Market Share Analysis
6.2.3. By Card Type Distribution Channel Market Share Analysis
7. South India Credit Card Market Outlook
7.1. Market Size & Forecast
7.1.1. By Volume
7.2. Market Share & Forecast
7.2.1. By Service Providing Company Market Share Analysis
7.2.2. By Credit Limit Market Share Analysis
7.2.3. By Card Type Distribution Channel Market Share Analysis
8. North India Credit Card Market Outlook
8.1. Market Size & Forecast
8.1.1. By Volume
8.2. Market Share & Forecast
8.2.1. By Service Providing Company Market Share Analysis
8.2.2. By Credit Limit Market Share Analysis
8.2.3. By Card Type Distribution Channel Market Share Analysis
9. East India Credit Card Market Outlook
9.1. Market Size & Forecast
9.1.1. By Volume
9.2. Market Share & Forecast
9.2.1. By Service Providing Company Market Share Analysis
9.2.2. By Credit Limit Market Share Analysis
9.2.3. By Card Type Distribution Channel Market Share Analysis
10. Market Dynamics
10.1. Drivers
10.1.1. Increasing Adoption of Cashless Transactions
10.1.2. Attractive Offers on Usage of Credit Cards
10.1.3. Rising Acceptance of Credit Cards
10.2. Challenges
10.2.1. Credit Card Payment Defaults
10.2.2. High Interest and Charges
11. Impact of COVID-19 on India Credit Card Market
11.1. Impact Assessment Model
11.1.1. Key Segments Impacted
11.1.2. Key Regions Impacted
12. Market Trends & Developments
12.1. Increasing Penetration of Co-Branded Cards
12.2. Increasing Security
12.3. Adoption of 5G
12.4. Digital India Initiative
12.5. Rising Contactless Payments
13. Porter’s Five Forces Model
13.1. Competition Rivalry
13.2. Bargaining Power of Buyers
13.3. Bargaining Power of Suppliers
13.4. Threat of New Entrants
13.5. Threat of Substitutes
14. SWOT Analysis
14.1. Strengths
14.2. Weaknesses
14.3. Opportunities
14.4. Threats
15. Policy & Regulatory Landscape
16. India Economic Profile
17. Competitive Landscape
17.1. Company Profiles
17.1.1. HDFC Bank Limited
17.1.1.1. Company Details
17.1.1.2. Product & Services
17.1.1.3. Financials (As Reported)
17.1.1.4. Digital Banking Services
17.1.1.5. Key market Focus & Geographical Presence
17.1.1.6. Recent Developments
17.1.1.7. Key Management Personnel
17.1.2. SBI Cards and Payment Services Limited
17.1.2.1. Company Details
17.1.2.2. Product & Services
17.1.2.3. Financials (As Reported)
17.1.2.4. Digital Banking Services
17.1.2.5. Key market Focus & Geographical Presence
17.1.2.6. Recent Developments
17.1.2.7. Key Management Personnel
17.1.3. ICICI Bank Limited
17.1.3.1. Company Details
17.1.3.2. Product & Services
17.1.3.3. Financials (As Reported)
17.1.3.4. Digital Banking Services
17.1.3.5. Key market Focus & Geographical Presence
17.1.3.6. Recent Developments
17.1.3.7. Key Management Personnel
17.1.4. Axis Bank Limited
17.1.4.1. Company Details
17.1.4.2. Product & Services
17.1.4.3. Financials (As Reported)
17.1.4.4. Digital Banking Services
17.1.4.5. Key market Focus & Geographical Presence
17.1.4.6. Recent Developments
17.1.4.7. Key Management Personnel
17.1.5. Citibank India
17.1.5.1. Company Details
17.1.5.2. Product & Services
17.1.5.3. Financials (As Reported)
17.1.5.4. Digital Banking Services
17.1.5.5. Key market Focus & Geographical Presence
17.1.5.6. Recent Developments
17.1.5.7. Key Management Personnel
17.1.6. Bank of Baroda
17.1.6.1. Company Details
17.1.6.2. Product & Services
17.1.6.3. Financials (As Reported)
17.1.6.4. Digital Banking Services
17.1.6.5. Key market Focus & Geographical Presence
17.1.6.6. Recent Developments
17.1.6.7. Key Management Personnel
17.1.7. RBL Bank Ltd.
17.1.7.1. Company Details
17.1.7.2. Product & Services
17.1.7.3. Financials (As Reported)
17.1.7.4. Digital Banking Services
17.1.7.5. Key market Focus & Geographical Presence
17.1.7.6. Recent Developments
17.1.7.7. Key Management Personnel
17.1.8. Kotak Mahindra Bank Limited
17.1.8.1. Company Details
17.1.8.2. Product & Services
17.1.8.3. Financials (As Reported)
17.1.8.4. Digital Banking Services
17.1.8.5. Key market Focus & Geographical Presence
17.1.8.6. Recent Developments
17.1.8.7. Key Management Personnel
17.1.9. Punjab National Bank
17.1.9.1. Company Details
17.1.9.2. Product & Services
17.1.9.3. Financials (As Reported)
17.1.9.4. Digital Banking Services
17.1.9.5. Key market Focus & Geographical Presence
17.1.9.6. Recent Developments
17.1.9.7. Key Management Personnel
17.1.10. IndusInd Bank
17.1.10.1. Company Details
17.1.10.2. Product & Services
17.1.10.3. Financials (As Reported)
17.1.10.4. Digital Banking Services
17.1.10.5. Key market Focus & Geographical Presence
17.1.10.6. Recent Developments
17.1.10.7. Key Management Personnel
18. Strategic Recommendations/Action Plan
18.1. Key Focus Areas
18.1.1. Target Region
18.1.2. Target Type
18.1.3. Target Credit Limit
19. About Us & Disclaimer

(Note: The companies list can be customized based on the client requirements.)

 

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