提携クレジットカード市場：クレジットカードタイプ別、発行会社タイプ別、特典構造別、エンドユーザー別-2025-2030年世界予測

提携クレジットカード市場は、2024年に146億3,000万米ドルと評価され、2025年にはCAGR 9.85%で160億米ドルに成長し、2030年には257億2,000万米ドルに達すると予測されています。

急速に進化する今日の金融情勢において、提携クレジットカード市場は、イノベーション、消費者のエンパワーメント、競合差別化の交差点に立っています。本調査では、提携クレジットカードの市場開拓と販売方法を形成する市場動向、変革的シフト、戦略的セグメンテーションの徹底的な探求に着手します。金融業界がデジタルトランスフォーメーションを受け入れ、消費者の期待が高まり続ける中、進化するダイナミクスを理解することは、既存の金融機関にとっても新興プレーヤーにとっても極めて重要です。

この物語は、デジタル・ツールの急速な統合により、従来の銀行業務手法が再定義されつつあることを背景に展開されます。本レポートは、現在の市場需要に対応するだけでなく、将来のシフトを予測したソリューションを構築することの重要性を強調しており、新たなビジネスチャンスの獲得と競合リスクの軽減を目指す意思決定者にとって不可欠なものとなっています。本書全体を通して、洞察はデータ主導の調査と定性分析によって裏付けられており、業界専門家に実用的なインテリジェンスと戦略的な先見性を提供することを目的としています。

情勢の変化：新時代への対応

金融サービス業界は、テクノロジーの進化と消費者の嗜好の進化との融合により、かつてない変貌を遂げています。提携クレジットカードの分野も、こうした変化と無縁ではいられないです。デジタル化、パーソナライゼーション、革新的な報酬体系が競争優位性の特徴として台頭するにつれ、従来のパラダイムが疑問視され、再定義されつつあります。

市場力学は、従来の商品提供から、よりダイナミックで顧客中心のソリューションへと移行しつつあります。経済的圧力、規制の影響、そして技術革新の急速なペースが、この進化の触媒となっています。小売業者もサービス・プロバイダーも同様に、単なる金融取引以上のものを提供するパートナーシップを求めています。この変革的シフトは、適応性と先見性が必須となる競争的エコシステムの出現につながりました。

さらに、デジタル・バンキング・ソリューションとリアルタイムのデータ分析が統合されたことで、消費者の行動を追跡・把握する方法が根本的に変わりました。このような環境では、市場の要求や規制の変更に応じて迅速にピボットする能力が極めて重要です。デジタル統合と顧客パーソナライゼーションを取り入れた企業は、顧客エンゲージメントと業務効率の新たなベンチマークを設定し、市場をリードする態勢を整えています。このダイナミックな動きは、伝統的な金融機関とテクノロジー主導の破壊的企業との間の協調的イノベーションを促し、堅牢であると同時に応答性の高い、再創造されたクレジット・エコシステムへの道を開いています。

主要なセグメンテーションの洞察市場独自の側面に迫る

市場が進化するにつれ、そのセグメンテーションを理解することが極めて重要になります。この調査では、まずクレジットカードの種類（物理的なクレジットカードとバーチャルなクレジットカードの区別）を検討することで、クレジットカード市場を綿密に分析しています。この2つのカテゴリーは、従来のカード利用に加えてデジタルウォレットやモバイル決済ソリューションが普及するにつれ、消費者の嗜好が根本的に変化していることを裏付けています。

さらに、発行体の種類に基づくセグメンテーションでは、市場を銀行が発行する提携カードが管理する領域と、銀行以外の発行体が管理する領域にさらに区分しています。この二分化は、伝統的な銀行が、それぞれが独自の価値提案をもたらす軽快なフィンテック・プレーヤーにいかに課題されているかを浮き彫りにしています。同様に重要なのは、消費者の多様な関心に対応するリワード構造によって定義されるセグメンテーションです。この次元では、キャッシュバック提携カード、割引提携カード、ポイント/マイル提携カードが検討され、多様な消費者のライフスタイルや消費行動に対応した特典プログラムの必要性が示されています。

また、この分析では、教育、ゲーム、ホスピタリティ、石油、小売、旅行などの業種にわたる微妙な嗜好を捉え、エンドユーザーのレンズを通してセグメンテーションを掘り下げています。各セグメントが独自の取引パターンと報酬の期待値を示すことから、得られた洞察は、製品の特徴やマーケティング戦略を調整する上で重要な包括的理解を提供します。このように、本研究で提示されたセグメンテーションの枠組みは、既存の需要分布を明らかにするだけでなく、製品の能力と消費者の期待とのギャップを埋めることによって、戦略的意思決定に情報を提供します。

目次

第1章 序文

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場の概要

第5章 市場洞察

• 市場力学
  • 促進要因
    • eコマースとデジタル決済の成長が提携クレジットカードの人気の道を開く
    • 提携クレジットカードにおけるカスタマイズされた支出と報酬プログラムに対する消費者の嗜好の高まり
    • 提携クレジットカード製品に対する認知度と関心を高める効果的なマーケティング戦略
  • 抑制要因
    • 高い運用コストと利益率が収益性を圧迫
  • 機会
    • 新たな消費者動向とパーソナライズされた金融商品の嗜好を活用する
    • 旅行会社と提携し、頻繁に旅行する人向けに特別な特典を提供
  • 課題
    • サイバー脅威が増大する時代において、データセキュリティの懸念に対処し、信頼を構築する
• 市場セグメンテーション分析
  • ベンダータイプ：小売業者が顧客維持率を高めるために提携クレジットカードを多用している
  • エンドユーザー：教育分野におけるクレジットカードの需要増加
• ポーターのファイブフォース分析
• PESTEL分析
  • 政治的
  • 経済
  • 社会
  • 技術的
  • 法律上
  • 環境

第6章 提携クレジットカード市場クレジットカードの種類別

• 物理的なクレジットカード
• バーチャルクレジットカード

第7章 提携クレジットカード市場発行者タイプ別

• 銀行発行の提携カード
• 非銀行発行者

第8章 提携クレジットカード市場報酬構造別

• キャッシュバック提携カード
• 割引提携カード
• ポイント/マイル提携カード

第9章 提携クレジットカード市場：エンドユーザー別

• 教育
• ゲーム
• ホスピタリティ
• 石油
• 小売り
• 旅行

第10章 南北アメリカの提携クレジットカード市場

• アルゼンチン
• ブラジル
• カナダ
• メキシコ
• 米国

第11章 アジア太平洋地域の提携クレジットカード市場

• オーストラリア
• 中国
• インド
• インドネシア
• 日本
• マレーシア
• フィリピン
• シンガポール
• 韓国
• 台湾
• タイ
• ベトナム

第12章 欧州・中東・アフリカの提携クレジットカード市場

• デンマーク
• エジプト
• フィンランド
• フランス
• ドイツ
• イスラエル
• イタリア
• オランダ
• ナイジェリア
• ノルウェー
• ポーランド
• カタール
• ロシア
• サウジアラビア
• 南アフリカ
• スペイン
• スウェーデン
• スイス
• トルコ
• アラブ首長国連邦
• 英国

第13章 競合情勢

• 市場シェア分析, 2024
• FPNVポジショニングマトリックス, 2024
• 競合シナリオ分析
• 戦略分析と提言

企業一覧

• American Express Company
• AU Small Finance Bank
• Bank of America Corporation
• Barclays PLC
• BNP Paribas Group
• Capital One Financial Corporation
• Cardless, Inc.
• Citigroup Inc.
• Concerto Card Company
• Discover Bank
• First Abu Dhabi Bank
• FPL Technologies Pvt. Ltd.
• ICICI Bank Limited
• JPMorgan Chase & Co.
• Marqeta, Inc.
• Mastercard International Incorporated
• Scotiabank
• Standard Chartered PLC
• Synchrony Bank
• The Goldman Sachs Group, Inc.
• U.S. Bancorp
• Visa Inc.
• Wells Fargo & Company

LIST OF FIGURES

• FIGURE 1. CO-BRANDED CREDIT CARD MARKET MULTI-CURRENCY
• FIGURE 2. CO-BRANDED CREDIT CARD MARKET MULTI-LANGUAGE
• FIGURE 3. CO-BRANDED CREDIT CARD MARKET RESEARCH PROCESS
• FIGURE 4. CO-BRANDED CREDIT CARD MARKET SIZE, 2024 VS 2030
• FIGURE 5. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, 2018-2030 (USD MILLION)
• FIGURE 6. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY REGION, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 7. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 8. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2024 VS 2030 (%)
• FIGURE 9. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 10. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2024 VS 2030 (%)
• FIGURE 11. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 12. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2024 VS 2030 (%)
• FIGURE 13. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 14. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2024 VS 2030 (%)
• FIGURE 15. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 16. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2030 (%)
• FIGURE 17. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 18. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY STATE, 2024 VS 2030 (%)
• FIGURE 19. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY STATE, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 20. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2030 (%)
• FIGURE 21. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 22. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2030 (%)
• FIGURE 23. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2024 VS 2025 VS 2030 (USD MILLION)
• FIGURE 24. CO-BRANDED CREDIT CARD MARKET SHARE, BY KEY PLAYER, 2024
• FIGURE 25. CO-BRANDED CREDIT CARD MARKET, FPNV POSITIONING MATRIX, 2024

LIST OF TABLES

• TABLE 1. CO-BRANDED CREDIT CARD MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2024
• TABLE 3. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, 2018-2030 (USD MILLION)
• TABLE 4. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 5. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 6. CO-BRANDED CREDIT CARD MARKET DYNAMICS
• TABLE 7. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 8. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY PHYSICAL CREDIT CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 9. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY VIRTUAL CREDIT CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 10. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 11. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY BANK-ISSUED CO-BRANDED CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 12. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY NON-BANK ISSUERS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 13. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 14. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY CASHBACK CO-BRANDED CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 15. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY DISCOUNT CO-BRANDED CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 16. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY POINTS/MILES CO-BRANDED CARDS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 17. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 18. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY EDUCATION, BY REGION, 2018-2030 (USD MILLION)
• TABLE 19. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY GAMING, BY REGION, 2018-2030 (USD MILLION)
• TABLE 20. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY HOSPITALITY, BY REGION, 2018-2030 (USD MILLION)
• TABLE 21. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY PETROLEUM, BY REGION, 2018-2030 (USD MILLION)
• TABLE 22. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY RETAIL, BY REGION, 2018-2030 (USD MILLION)
• TABLE 23. GLOBAL CO-BRANDED CREDIT CARD MARKET SIZE, BY TRAVEL, BY REGION, 2018-2030 (USD MILLION)
• TABLE 24. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 25. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 26. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 27. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 28. AMERICAS CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 29. ARGENTINA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 30. ARGENTINA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 31. ARGENTINA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 32. ARGENTINA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 33. BRAZIL CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 34. BRAZIL CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 35. BRAZIL CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 36. BRAZIL CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 37. CANADA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 38. CANADA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 39. CANADA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 40. CANADA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 41. MEXICO CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 42. MEXICO CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 43. MEXICO CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 44. MEXICO CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 45. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 46. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 47. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 48. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 49. UNITED STATES CO-BRANDED CREDIT CARD MARKET SIZE, BY STATE, 2018-2030 (USD MILLION)
• TABLE 50. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 51. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 52. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 53. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 54. ASIA-PACIFIC CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 55. AUSTRALIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 56. AUSTRALIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 57. AUSTRALIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 58. AUSTRALIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 59. CHINA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 60. CHINA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 61. CHINA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 62. CHINA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 63. INDIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 64. INDIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 65. INDIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 66. INDIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 67. INDONESIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 68. INDONESIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 69. INDONESIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 70. INDONESIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 71. JAPAN CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 72. JAPAN CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 73. JAPAN CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 74. JAPAN CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 75. MALAYSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 76. MALAYSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 77. MALAYSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 78. MALAYSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 79. PHILIPPINES CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 80. PHILIPPINES CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 81. PHILIPPINES CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 82. PHILIPPINES CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 83. SINGAPORE CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 84. SINGAPORE CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 85. SINGAPORE CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 86. SINGAPORE CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 87. SOUTH KOREA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 88. SOUTH KOREA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 89. SOUTH KOREA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 90. SOUTH KOREA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 91. TAIWAN CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 92. TAIWAN CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 93. TAIWAN CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 94. TAIWAN CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 95. THAILAND CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 96. THAILAND CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 97. THAILAND CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 98. THAILAND CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 99. VIETNAM CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 100. VIETNAM CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 101. VIETNAM CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 102. VIETNAM CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 103. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 104. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 105. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 106. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 107. EUROPE, MIDDLE EAST & AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 108. DENMARK CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 109. DENMARK CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 110. DENMARK CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 111. DENMARK CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 112. EGYPT CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 113. EGYPT CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 114. EGYPT CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 115. EGYPT CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 116. FINLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 117. FINLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 118. FINLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 119. FINLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 120. FRANCE CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 121. FRANCE CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 122. FRANCE CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 123. FRANCE CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 124. GERMANY CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 125. GERMANY CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 126. GERMANY CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 127. GERMANY CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 128. ISRAEL CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 129. ISRAEL CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 130. ISRAEL CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 131. ISRAEL CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 132. ITALY CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 133. ITALY CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 134. ITALY CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 135. ITALY CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 136. NETHERLANDS CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 137. NETHERLANDS CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 138. NETHERLANDS CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 139. NETHERLANDS CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 140. NIGERIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 141. NIGERIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 142. NIGERIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 143. NIGERIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 144. NORWAY CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 145. NORWAY CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 146. NORWAY CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 147. NORWAY CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 148. POLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 149. POLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 150. POLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 151. POLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 152. QATAR CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 153. QATAR CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 154. QATAR CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 155. QATAR CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 156. RUSSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 157. RUSSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 158. RUSSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 159. RUSSIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 160. SAUDI ARABIA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 161. SAUDI ARABIA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 162. SAUDI ARABIA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 163. SAUDI ARABIA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 164. SOUTH AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 165. SOUTH AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 166. SOUTH AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 167. SOUTH AFRICA CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 168. SPAIN CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 169. SPAIN CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 170. SPAIN CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 171. SPAIN CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 172. SWEDEN CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 173. SWEDEN CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 174. SWEDEN CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 175. SWEDEN CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 176. SWITZERLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 177. SWITZERLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 178. SWITZERLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 179. SWITZERLAND CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 180. TURKEY CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 181. TURKEY CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 182. TURKEY CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 183. TURKEY CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 184. UNITED ARAB EMIRATES CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 185. UNITED ARAB EMIRATES CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 186. UNITED ARAB EMIRATES CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 187. UNITED ARAB EMIRATES CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 188. UNITED KINGDOM CO-BRANDED CREDIT CARD MARKET SIZE, BY CREDIT CARD TYPE, 2018-2030 (USD MILLION)
• TABLE 189. UNITED KINGDOM CO-BRANDED CREDIT CARD MARKET SIZE, BY ISSUER TYPE, 2018-2030 (USD MILLION)
• TABLE 190. UNITED KINGDOM CO-BRANDED CREDIT CARD MARKET SIZE, BY REWARD STRUCTURE, 2018-2030 (USD MILLION)
• TABLE 191. UNITED KINGDOM CO-BRANDED CREDIT CARD MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 192. CO-BRANDED CREDIT CARD MARKET SHARE, BY KEY PLAYER, 2024
• TABLE 193. CO-BRANDED CREDIT CARD MARKET, FPNV POSITIONING MATRIX, 2024

The Co-branded Credit Card Market was valued at USD 14.63 billion in 2024 and is projected to grow to USD 16.00 billion in 2025, with a CAGR of 9.85%, reaching USD 25.72 billion by 2030.

In today's fast-evolving financial landscape, the co-branded credit card market stands at the intersection of innovation, consumer empowerment, and competitive differentiation. This study embarks on an in-depth exploration of market trends, transformative shifts, and strategic segmentation that shape the way co-branded credit cards are being developed and marketed. As the financial industry embraces digital transformation and consumer expectations continue to rise, understanding the evolving dynamics is critical for both established financial institutions and emerging players.

The narrative unfolds against a backdrop where traditional banking methods are being redefined by the rapid integration of digital tools. It highlights the importance of crafting solutions that not only meet current market demands but also anticipate future shifts, making the report essential for decision-makers aiming to capture emerging opportunities and mitigate competitive risk. Throughout this document, insights are supported by data-driven research and qualitative analysis, geared towards empowering industry professionals with actionable intelligence and strategic foresight.

Transformative Shifts in the Landscape: Adapting to a New Era

The financial services industry is witnessing an unprecedented transformation, spurred by the fusion of technological advancements and evolving consumer preferences. The co-branded credit card space has not been immune to these changes. Traditional paradigms are being questioned and redefined as digitalization, personalization, and innovative reward structures emerge as the hallmarks of competitive advantage.

Market players are transitioning from conventional product offerings to more dynamic, customer-centric solutions. Economic pressures, regulatory influences, and the rapid pace of technological innovation have collectively catalyzed this evolution. Retailers and service providers alike are seeking partnerships that deliver more than just a financial transaction - they aim to offer experiences that resonate with the modern consumer. This transformative shift has led to the emergence of a competitive ecosystem where adaptability and foresight have become imperative.

Moreover, the integration of digital banking solutions and real-time data analytics has fundamentally altered how consumer behavior is tracked and understood. In this environment, the ability to quickly pivot in response to market demands and regulatory changes is crucial. Companies that have embraced digital integration and customer personalization are now poised to lead the market, setting new benchmarks in customer engagement and operational efficiency. This dynamic has encouraged collaborative innovation between traditional financial institutions and technology-driven disruptors, paving the way for a reimagined credit ecosystem that is as responsive as it is robust.

Key Segmentation Insights: Diving into Unique Market Dimensions

As the market evolves, understanding its segmentation becomes pivotal. The study meticulously dissects the credit card market by first considering the credit card type - a differentiation between physical credit cards and their virtual counterparts. These two categories underscore a fundamental shift in consumer preference as digital wallets and mobile payment solutions gain traction alongside traditional card usage.

In addition, the segmentation based on issuer type further delineates the market into realms managed by bank-issued co-branded cards and non-bank issuers. This bifurcation highlights how traditional banks are being challenged by nimble fintech players, each bringing unique value propositions to the table. Equally important is the segmentation defined by reward structure, which addresses diverse consumer interests. This dimension considers cashback co-branded cards, discount co-branded cards, and points/miles co-branded cards, illustrating the need for tailored reward programs that resonate with varied consumer lifestyles and spending behaviors.

The analysis also delves into segmentation through the lens of the end-user, capturing the nuanced preferences across industries such as education, gaming, hospitality, petroleum, retail, and travel. With each segment presenting unique transactional patterns and reward expectations, the insights garnered offer a comprehensive understanding that is critical for tailoring product features and marketing strategies. Thus, the segmentation framework presented in this study not only uncovers the existing distribution of demand but also informs strategic decision-making by bridging the gap between product capability and consumer expectation.

Based on Credit Card Type, market is studied across Physical Credit Cards and Virtual Credit Cards.

Based on Issuer Type, market is studied across Bank-Issued Co-branded Cards and Non-Bank Issuers.

Based on Reward Structure, market is studied across Cashback Co-branded Cards, Discount Co-branded Cards, and Points/Miles Co-branded Cards.

Based on End-User, market is studied across Education, Gaming, Hospitality, Petroleum, Retail, and Travel.

Key Regional Insights: Unveiling Geographic Dynamics

Geographic distribution plays a significant role in shaping market strategy and product offerings in the co-branded credit card arena. A thorough review of regional performance reveals that the Americas are leading the charge with robust market penetration and mature consumer acceptance of diversified reward structures and technologically integrated solutions. In contrast, the regions encompassing Europe, the Middle East & Africa exhibit a blend of traditional banking practices intertwined with modern financial innovations, reflecting diverse consumer preferences and regulatory landscapes.

Equally compelling are the rapid growth indicators evident in the Asia-Pacific region. Here, a burgeoning middle class, coupled with accelerating digital adoption and technological inclusiveness, has set the stage for a dynamic transformation in the credit card market. The differing pace of digital maturity and regional infrastructural disparities necessitate tailored approaches that respect local consumer behavior and regulatory frameworks. Overall, the regional insights underscore the importance of adopting a geographically nuanced strategy that leverages local strengths and addresses regional challenges, ultimately fostering a more resilient and forward-thinking credit ecosystem.

Based on Region, market is studied across Americas, Asia-Pacific, and Europe, Middle East & Africa. The Americas is further studied across Argentina, Brazil, Canada, Mexico, and United States. The United States is further studied across California, Florida, Georgia, Illinois, Kentucky, Michigan, Mississippi, New Jersey, New York, Ohio, Pennsylvania, and Texas. The Asia-Pacific is further studied across Australia, China, India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. The Europe, Middle East & Africa is further studied across Denmark, Egypt, Finland, France, Germany, Israel, Italy, Netherlands, Nigeria, Norway, Poland, Qatar, Russia, Saudi Arabia, South Africa, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, and United Kingdom.

Key Companies Insights: Leaders and Innovators in the Market

In a competitive market marked by continuous innovation, the impact of industry leaders cannot be overstated. Analyzing key players provides valuable insights into strategic initiatives and market positioning. For instance, American Express Company and Bank of America Corporation have long leveraged their established brand strengths alongside innovative co-branded partnerships. Similarly, organizations like AU Small Finance Bank and Barclays PLC underscore the agility of regional banks adapting to evolving market trends.

Broad global financial institutions such as BNP Paribas Group, Capital One Financial Corporation, Citigroup Inc., and JPMorgan Chase & Co. have set market benchmarks through their expansive product portfolios and strategic capital deployment. Newer entrants like Cardless, Inc. and Concerto Card Company illustrate the disruptive potential of fintech innovations within the segment, challenging legacy models and championing the digital-first approach.

The spectrum of influence extends further to include Discover Bank, First Abu Dhabi Bank, and ICICI Bank Limited whose market strategies reflect a careful balance between technological integration and customer-centric product design. Marqeta, Inc. alongside Mastercard International Incorporated, Scotiabank, and Standard Chartered PLC bring a fresh perspective to the rewards ecosystem, while Synchrony Bank, The Goldman Sachs Group, Inc., U.S. Bancorp, Visa Inc., and Wells Fargo & Company fortify their market presence through robust financial management and continual innovation. These companies not only delineate the competitive landscape but also emphasize the critical importance of strategic agility and data-driven decision making in sustaining market leadership.

The report delves into recent significant developments in the Co-branded Credit Card Market, highlighting leading vendors and their innovative profiles. These include American Express Company, AU Small Finance Bank, Bank of America Corporation, Barclays PLC, BNP Paribas Group, Capital One Financial Corporation, Cardless, Inc., Citigroup Inc., Concerto Card Company, Discover Bank, First Abu Dhabi Bank, FPL Technologies Pvt. Ltd., ICICI Bank Limited, JPMorgan Chase & Co., Marqeta, Inc., Mastercard International Incorporated, Scotiabank, Standard Chartered PLC, Synchrony Bank, The Goldman Sachs Group, Inc., U.S. Bancorp, Visa Inc., and Wells Fargo & Company. Actionable Recommendations for Industry Leaders: Charting a Path Forward

Leaders in the financial services market need to adopt a multifaceted strategy to navigate the competitive co-branded credit card landscape. First and foremost, integrating advanced data analytics into product design and customer experience initiatives is essential to understanding evolving consumer behavior and predicting market trends. By leveraging real-time analytics and customer data, product teams can tailor offerings that resonate with specific consumer segments, ensuring that rewards structures and card features remain competitive and engaging.

Investing in digital transformation lies at the heart of sustained success. Leaders would benefit from adopting cloud-based platforms and agile development practices to facilitate rapid innovation cycles. This approach not only enables quicker market responses but also supports iterative improvements that enhance overall customer satisfaction. Furthermore, fostering partnerships with fintech disruptors and technology providers can significantly enhance the technological backbone required for such transformation.

A strong focus on regional customization is critical. Developing localized strategies that account for regional regulatory frameworks, consumer behaviors, and technological readiness can yield significant competitive advantages. In markets where digital adoption is rapidly increasing, further investments in mobile payment platforms and virtual credit card solutions will help capture the early adopter segment.

Finally, a forward-looking risk management framework is indispensable. This means balancing innovative product offerings with robust compliance and security measures that protect consumer data. Industry leaders should also consider establishing cross-departmental task forces that focus on regulatory changes and emerging threats, thereby embedding a culture of proactive risk management. By embracing these strategies, companies can ensure that they remain competitive while also paving the way for sustainable growth in an increasingly complex and dynamic market landscape.

Conclusion: Consolidating Insights for Future Growth

The co-branded credit card market is in a state of dynamic flux, driven by rapid technological advancements, shifting consumer preferences, and the relentless momentum of digital transformation. Through meticulous segmentation and geographic analysis, this report offers a detailed map of the market terrain, where both traditional financial institutions and disruptive fintech entities are charting innovative paths. The interplay between traditional physical products and modern virtual offerings, the evolution in issuer types, and the diverse reward systems underscore a market that is as varied as it is dynamic.

Moreover, the regional insights shed light on the nuanced differences in market maturity, consumer readiness, and regulatory environments, all of which necessitate bespoke strategies to capture localized growth opportunities. The analysis of key companies further highlights strategic initiatives implemented by industry leaders, offering a window into future trends and competitive dynamics. Overall, the findings suggest that a balanced approach - one that couples technological innovation with deep customer insight - is vital for maintaining a competitive edge in this evolving marketplace.

In summary, the insights provided herein not only chart the current state of the market but also serve as a beacon for future strategic investments. For those who wish to remain ahead of the curve, the integration of data-driven insights, agility in digital transformation, and an unwavering commitment to customer-centricity are the cornerstones upon which future success will be built.

Table of Contents

1. Preface

• 1.1. Objectives of the Study
• 1.2. Market Segmentation & Coverage
• 1.3. Years Considered for the Study
• 1.4. Currency & Pricing
• 1.5. Language
• 1.6. Stakeholders

2. Research Methodology

• 2.1. Define: Research Objective
• 2.2. Determine: Research Design
• 2.3. Prepare: Research Instrument
• 2.4. Collect: Data Source
• 2.5. Analyze: Data Interpretation
• 2.6. Formulate: Data Verification
• 2.7. Publish: Research Report
• 2.8. Repeat: Report Update

3. Executive Summary

4. Market Overview

5. Market Insights

• 5.1. Market Dynamics
  • 5.1.1. Drivers
    • 5.1.1.1. Growing e-commerce and digital payments paving the way for co-branded credit card popularity
    • 5.1.1.2. Rising consumer preference for tailored spending and rewards programs in co-branded credit cards
    • 5.1.1.3. Effective marketing strategies creating awareness and interest in co-branded credit card offerings
  • 5.1.2. Restraints
    • 5.1.2.1. High operational costs and margins squeezing profitability
  • 5.1.3. Opportunities
    • 5.1.3.1. Capitalizing on emerging consumer trends and preferences for personalized financial products
    • 5.1.3.2. Collaborating with travel companies to offer exclusive benefits for frequent travelers
  • 5.1.4. Challenges
    • 5.1.4.1. Addressing data security concerns and building trust in an era of increasing cyber threats
• 5.2. Market Segmentation Analysis
  • 5.2.1. Vendor Type : Significant usage of co-branded credit cards by retailers to increase customer retention
  • 5.2.2. End-User : Growing demand for credit cards in education sector
• 5.3. Porter's Five Forces Analysis
  • 5.3.1. Threat of New Entrants
  • 5.3.2. Threat of Substitutes
  • 5.3.3. Bargaining Power of Customers
  • 5.3.4. Bargaining Power of Suppliers
  • 5.3.5. Industry Rivalry
• 5.4. PESTLE Analysis
  • 5.4.1. Political
  • 5.4.2. Economic
  • 5.4.3. Social
  • 5.4.4. Technological
  • 5.4.5. Legal
  • 5.4.6. Environmental

6. Co-branded Credit Card Market, by Credit Card Type

• 6.1. Introduction
• 6.2. Physical Credit Cards
• 6.3. Virtual Credit Cards

7. Co-branded Credit Card Market, by Issuer Type

• 7.1. Introduction
• 7.2. Bank-Issued Co-branded Cards
• 7.3. Non-Bank Issuers

8. Co-branded Credit Card Market, by Reward Structure

• 8.1. Introduction
• 8.2. Cashback Co-branded Cards
• 8.3. Discount Co-branded Cards
• 8.4. Points/Miles Co-branded Cards

9. Co-branded Credit Card Market, by End-User

• 9.1. Introduction
• 9.2. Education
• 9.3. Gaming
• 9.4. Hospitality
• 9.5. Petroleum
• 9.6. Retail
• 9.7. Travel

10. Americas Co-branded Credit Card Market

• 10.1. Introduction
• 10.2. Argentina
• 10.3. Brazil
• 10.4. Canada
• 10.5. Mexico
• 10.6. United States

11. Asia-Pacific Co-branded Credit Card Market

• 11.1. Introduction
• 11.2. Australia
• 11.3. China
• 11.4. India
• 11.5. Indonesia
• 11.6. Japan
• 11.7. Malaysia
• 11.8. Philippines
• 11.9. Singapore
• 11.10. South Korea
• 11.11. Taiwan
• 11.12. Thailand
• 11.13. Vietnam

12. Europe, Middle East & Africa Co-branded Credit Card Market

• 12.1. Introduction
• 12.2. Denmark
• 12.3. Egypt
• 12.4. Finland
• 12.5. France
• 12.6. Germany
• 12.7. Israel
• 12.8. Italy
• 12.9. Netherlands
• 12.10. Nigeria
• 12.11. Norway
• 12.12. Poland
• 12.13. Qatar
• 12.14. Russia
• 12.15. Saudi Arabia
• 12.16. South Africa
• 12.17. Spain
• 12.18. Sweden
• 12.19. Switzerland
• 12.20. Turkey
• 12.21. United Arab Emirates
• 12.22. United Kingdom

13. Competitive Landscape

• 13.1. Market Share Analysis, 2024
• 13.2. FPNV Positioning Matrix, 2024
• 13.3. Competitive Scenario Analysis
  • 13.3.1. RBL Bank and Mahindra Finance introduce co-branded credit card to boost customer benefits and strategic growth
  • 13.3.2. SBI Card and Payment Services Ltd collaborates with Titan to introduce a co-branded credit card targeting lifestyle seekers in India's aspirational market
  • 13.3.3. RAKBANK and Air Arabia enhance partnership through co-branded credit initiative for strategic renewal
  • 13.3.4. Capital One Set to Acquire Discover in Landmark USD 35.3 Billion All-Stock Deal
  • 13.3.5. Strategic Partnership Elevates Financial Flexibility Through Innovative Co-Branded Credit Card Launch in Egypt
  • 13.3.6. Goldman Sachs' Ambitious Growth Plans in India and Beyond Strategic Expansion and Realignment
  • 13.3.7. Imprint's Accelerated Growth in Co-branded Credit Card Market with Strategic Funding
  • 13.3.8. Imprint Secures USD 75 Million in Series B Funding to Redefine Co-Branded Credit Card Sector
  • 13.3.9. IndusInd Bank's Strategic Alliance with Tiger Fintech to Launch a Preeminent Co-Branded Credit Card
  • 13.3.10. Barclays and Breeze Airways Launch Innovative Co-Branded Credit Card Program Through Strategic Partnership
  • 13.3.11. Axis Bank's Acquisition of Citibank's Consumer Business as Strategic Consolidation in India's Consumer Banking Sector
  • 13.3.12. IRCTC Partners With HDFC Bank to Launch Co-branded Travel Credit Card
  • 13.3.13. Strategic Partnership Elevates Guest Experience as the Choice Hotels Collaborates with Wells Fargo and Mastercard on Co-Branded Credit Card Initiative
  • 13.3.14. Wells Fargo to Launch No-Annual-Fee Choice Hotels Credit Card
  • 13.3.15. Strategic Partnership Elevates CFNA Offerings through Exclusive Mastercard Collaboration
• 13.4. Strategy Analysis & Recommendation

Companies Mentioned

• 1. American Express Company
• 2. AU Small Finance Bank
• 3. Bank of America Corporation
• 4. Barclays PLC
• 5. BNP Paribas Group
• 6. Capital One Financial Corporation
• 7. Cardless, Inc.
• 8. Citigroup Inc.
• 9. Concerto Card Company
• 10. Discover Bank
• 11. First Abu Dhabi Bank
• 12. FPL Technologies Pvt. Ltd.
• 13. ICICI Bank Limited
• 14. JPMorgan Chase & Co.
• 15. Marqeta, Inc.
• 16. Mastercard International Incorporated
• 17. Scotiabank
• 18. Standard Chartered PLC
• 19. Synchrony Bank
• 20. The Goldman Sachs Group, Inc.
• 21. U.S. Bancorp
• 22. Visa Inc.
• 23. Wells Fargo & Company