クレジットカードの市場規模、シェア、成長分析：カードタイプ別、用途別、プロバイダー別、地域別 - 産業予測 2025～2032年

クレジットカード市場規模は2023年に5,302億米ドルと評価され、2024年の5,715億6,000万米ドルから2032年には1兆423億4,000万米ドルに成長し、予測期間中（2025年～2032年）のCAGRは7.8％で成長する見通しです。

世界のクレジットカード決済市場は、便利な現金代替品への需要の高まりと、手頃なクレジットカードオプションの普及により、大きな成長を遂げています。銀行やフィンテック企業は、カード会員にクレジット決済機能を提供し、毎月の支払いで経済的な負担を軽減しています。特筆すべきは、新興国でのクレジットカード人気の高まりが市場拡大にプラスに寄与していることです。しかし、クレジットカード詐欺の急増などの課題は、成長を妨げる可能性があります。このような状況にもかかわらず、セキュリティ強化のためのブロックチェーンの統合を含む技術の新興国市場は、予測期間中の市場開拓に有望な機会をもたらしています。全体として、世界市場におけるクレジットカード利用のダイナミックな進化が示唆されます。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次データと一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• 規制分析
• 技術分析

クレジットカード市場規模：カードタイプ別

• 市場概要
• 汎用クレジットカード
• 専門
• その他のクレジットカード

クレジットカード市場規模：用途別

• 市場概要
• 食品・食料品
• 健康・薬学
• レストラン＆バー
• 家電
• メディアとエンターテイメント
• 旅行と観光
• その他

クレジットカード市場規模：プロバイダー別

• 市場概要
• ビザ
• マスターカード
• その他

クレジットカード市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 市場の最近の動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 会社概要
  • 製品ポートフォリオ分析
  • セグメント別シェア分析
  • 収益の前年比比較（2022～2024年）

主要企業プロファイル

• Visa Inc.（US）
• Mastercard Incorporated（US）
• American Express Company（US）
• JCB Co., Ltd.（Japan）
• UnionPay（China）
• Capital One Financial Corporation（US）
• Discover Financial Services（US）
• Citigroup Inc.（US）
• JPMorgan Chase & Co.（US）
• Bank of America Corporation（US）
• Wells Fargo & Company（US）
• Synchrony Financial（US）
• Barclays PLC（UK）
• HSBC Holdings plc（UK）
• BNP Paribas（France）
• Societe Generale（France）
• Deutsche Bank AG（Germany）
• Banco Santander, S.A.（Spain）
• Mitsubishi UFJ Financial Group（MUFG）（Japan）
• Sumitomo Mitsui Financial Group（SMFG）（Japan）

結論と推奨事項

Credit Card Market size was valued at USD 530.2 billion in 2023 and is poised to grow from USD 571.56 billion in 2024 to USD 1042.34 billion by 2032, growing at a CAGR of 7.8% during the forecast period (2025-2032).

The global credit card payments market is experiencing significant growth, driven by an increasing demand for convenient cash alternatives and the proliferation of affordable credit card options. Banks and fintech companies provide cardholders with the ability to make purchases on credit, allowing for monthly payments that ease financial pressure. Notably, the rising popularity of credit cards in developing countries is contributing positively to market expansion. However, challenges such as the surge in credit card fraud may hinder growth. Despite this, advancements in technology, including the integration of blockchain for enhanced security, present promising opportunities for market development during the forecast period. Overall, the landscape suggests a dynamic evolution of credit card utilization in the global market.

Top-down and bottom-up approaches were used to estimate and validate the size of the Credit Card market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Credit Card Market Segments Analysis

Global Credit Card Market is segmented by Card Type, Application, Provider and region. Based on Card Type, the market is segmented into General Purpose Credit Cards, Specialty and Other Credit Cards. Based on Application, the market is segmented into Food & Groceries, Health & Pharmacy, Restaurants & Bars, Consumer Electronics, Media & Entertainment, Travel & Tourism and Others. Based on Provider, the market is segmented into Visa, Master cards and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Credit Card Market

The credit card market is primarily fueled by the increasing adoption of digital payment methods among the workforce in emerging economies such as India and Hong Kong. Additionally, several countries are making concerted efforts to enhance the utilization of digital payment options to curb the transmission of the coronavirus, thereby accelerating market growth. This combined shift towards contactless and cashless transactions not only promotes convenience but also aligns with public health initiatives, ultimately driving the demand for credit card solutions. As digital financial ecosystems continue to evolve and expand, the credit card segment stands poised for significant growth in response to these transformative trends.

Restraints in the Credit Card Market

The credit card market faces significant challenges due to the threat of hackers and identity thieves who employ unethical methods to obtain personal information. These criminals may exploit minor data breaches to access an individual's physical credit card, subsequently using it for unauthorized purchases. Additionally, they might utilize credit card skimmers-devices designed to discreetly capture credit card details when users swipe their cards at various machines. This not only compromises the security of consumers but also poses a major risk to the integrity of the credit card market, necessitating enhanced security measures to protect sensitive financial information from malicious actors.

Market Trends of the Credit Card Market

The post-pandemic credit card market is experiencing a dynamic transformation driven by the rapid growth of e-commerce and increased reliance on contactless payments. As consumers seek convenience and speed in transactions, issuers are responding with innovative features, including digital wallets and enhanced rewards programs tailored to online shopping. Additionally, the demand for enhanced security measures and personalized offers has prompted lenders to innovate their value propositions. This evolving landscape showcases a shift towards customer-centric solutions, fostering increased competition among providers, and encouraging the adoption of technology-driven services, ultimately reshaping consumer habits and preferences in the credit card sector.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Regulatory Analysis
• Technology Analysis

Global Credit Card Market Size by Card Type & CAGR (2025-2032)

• Market Overview
• General Purpose Credit Cards
• Specialty
• Other Credit Cards

Global Credit Card Market Size by Application & CAGR (2025-2032)

• Market Overview
• Food & Groceries
• Health & Pharmacy
• Restaurants & Bars
• Consumer Electronics
• Media & Entertainment
• Travel & Tourism
• Others

Global Credit Card Market Size by Provider & CAGR (2025-2032)

• Market Overview
• Visa
• Master cards
• Others

Global Credit Card Market Size & CAGR (2025-2032)

• North America (Card Type, Application, Provider)
  • US
  • Canada
• Europe (Card Type, Application, Provider)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Card Type, Application, Provider)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Card Type, Application, Provider)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Card Type, Application, Provider)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Visa Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Incorporated (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Company (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JCB Co., Ltd. (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• UnionPay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Capital One Financial Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Discover Financial Services (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JPMorgan Chase & Co. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bank of America Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wells Fargo & Company (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Synchrony Financial (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Barclays PLC (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HSBC Holdings plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BNP Paribas (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Societe Generale (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Deutsche Bank AG (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Banco Santander, S.A. (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mitsubishi UFJ Financial Group (MUFG) (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sumitomo Mitsui Financial Group (SMFG) (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations