Credit Cards in Japan

January 2026
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Overview:

Understand the latest market trends and future growth opportunities for the Credit Card Transactions industry in Japan with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Credit Card Transactions industry in Japan, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Credit Card Transactions in Japan report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Credit Card Transactions in Japan?
  • What are the major trends key to understanding Credit Card Transactions in Japan?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?

Credit Cards in Japan - Category analysis

Credit Cards in Japan - Company Profile

KEY DATA FINDINGS

Upmarket shift as players seek growth opportunities
Premium credit cards expanding in Japan
Financial institutions target businesses with next-gen credit card solutions
Japan’s rail fare system faces a contactless credit card challenge
Olive emerges as Japan’s all-in-one digital finance hub
Can emutt stand out against Olive in Japan’s cashless future?
Table 1 Credit Cards: Number of Cards in Circulation 2020-2025
Table 2 Credit Cards Transactions 2020-2025
Table 3 Credit Cards in Circulation: % Growth 2020-2025
Table 4 Credit Cards Transactions: % Growth 2020-2025
Table 5 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 6 Commercial Credit Cards Transactions 2020-2025
Table 7 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 8 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 9 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 10 Personal Credit Cards Transactions 2020-2025
Table 11 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 12 Personal Credit Cards Transactions: % Growth 2020-2025
Table 13 Credit Cards: Number of Cards by Issuer 2020-2024
Table 14 Credit Cards: Number of Cards by Operator 2020-2024
Table 15 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 16 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 17 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 18 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 19 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 20 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 21 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 22 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 23 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 24 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 25 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 26 Forecast Credit Cards Transactions 2025-2030
Table 27 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 28 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 29 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 30 Forecast Commercial Credit Cards Transactions 2025-2030
Table 31 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 32 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 33 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 34 Forecast Personal Credit Cards Transactions 2025-2030
Table 35 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 36 Forecast Personal Credit Cards Transactions: % Growth 2025-2030

Debit Cards in Japan - Category analysis

Debit Cards in Japan - Company Profile

KEY DATA FINDINGS

Increasing popularity of debit cards supported by consumer budget awareness
Rise of branded debit cards in Japan
Smart spending drives debit card popularity amongst Japanese consumers
Further growth anticipated for debit cards challenging Japan’s cash culture
Improved convenience
Debit cards challenging Japan’s cash culture
Olive by SMFG redefining personal finance in Japan
MUFG Launches emutt to Compete in Integrated Financial Services
Table 37 Debit Cards: Number of Cards in Circulation 2020-2025
Table 38 Debit Cards Transactions 2020-2025
Table 39 Debit Cards in Circulation: % Growth 2020-2025
Table 40 Debit Cards Transactions: % Growth 2020-2025
Table 41 Debit Cards: Number of Cards by Issuer 2020-2024
Table 42 Debit Cards: Number of Cards by Operator 2020-2024
Table 43 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 44 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 45 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 46 Forecast Debit Cards Transactions 2025-2030
Table 47 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 48 Forecast Debit Cards Transactions: % Growth 2025-2030

Pre-Paid Cards in Japan - Category analysis

Pre-Paid Cards in Japan - Company Profile

KEY DATA FINDINGS

Shifting landscape
JR East expands Suica into a comprehensive digital ecosystem
Quo Card faces uncertainty as FamilyMart ends sales
JR East confronts loyalty risks amid fare payment shift
Pre-paid cards may gain popularity as a tool for financial discipline
Nanaco’s role shifting amid structural changes in Seven & i Holdings
Table 49 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 50 Pre-paid Cards Transactions 2020-2025
Table 51 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 52 Pre-paid Cards Transactions: % Growth 2020-2025
Table 53 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 54 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 55 Open Loop Pre-paid Cards Transactions 2020-2025
Table 56 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 57 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 58 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 59 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 60 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 61 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 62 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 63 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 64 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 65 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 66 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 67 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 68 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 69 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 70 Forecast Pre-paid Cards Transactions 2025-2030
Table 71 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 72 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 73 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 74 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 75 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 76 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030

Store Cards in Japan - Category analysis

Store Cards in Japan - Company Profile

KEY DATA FINDINGS

Shift to premium credit cards undermining role of store cards
Exclusive home visits drive growth in Japan’s high-end market
Gaisho thrives while legacy cards fade away
Affluent consumer growth and its impact on luxury retail in Japan
Premium credit cards challenge the future of store cards in Japan
Store cards should embrace emotional loyalty to stay relevant
From exclusivity to inclusivity as Gaisho cards adapt to a digital era
Table 77 Store Cards: Number of Cards in Circulation 2020-2025
Table 78 Store Cards Transactions 2020-2025
Table 79 Store Cards in Circulation: % Growth 2020-2025
Table 80 Store Cards Transactions: % Growth 2020-2025
Table 81 Store Cards: Number of Cards by Issuer 2020-2024
Table 82 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 83 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 84 Forecast Store Cards Transactions 2025-2030
Table 85 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 86 Forecast Store Cards Transactions: % Growth 2025-2030

Financial Cards and Payments in Japan - Industry Overview

Move away from cash, but financial cards face challenges

KEY DATA FINDINGS

Rapid shift to cashless and integrated financial services in Japan
Rising trends of wealth and premium consumption amongst affluent consumers
Will financial discipline become a lifestyle for Japan’s young consumers?
New banknotes may drive shift towards cashless payments
Intensification of competition between cashless payment methods
Significant transformation
Blurring of competitive boundaries
Table 87 Number of POS Terminals: Units 2020-2025
Table 88 Number of ATMs: Units 2020-2025
Table 89 Value Lost to Fraud 2020-2025
Table 90 Card Expenditure by Location 2025
Table 91 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 92 Domestic versus Foreign Spend 2025
Table 93 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 94 Financial Cards by Category: Number of Accounts 2020-2025
Table 95 Financial Cards Transactions by Category: Value 2020-2025
Table 96 Financial Cards by Category: Number of Transactions 2020-2025
Table 97 Consumer Payments by Category: Value 2020-2025
Table 98 Consumer Payments by Category: Number of Transactions 2020-2025
Table 99 M-Commerce by Category: Value 2020-2025
Table 100 M-Commerce by Category: % Value Growth 2020-2025
Table 101 Financial Cards: Number of Cards by Issuer 2020-2024
Table 102 Financial Cards: Number of Cards by Operator 2020-2024
Table 103 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 104 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 105 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 106 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 107 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 108 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 109 Forecast Consumer Payments by Category: Value 2025-2030
Table 110 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 111 Forecast M-Commerce by Category: Value 2025-2030
Table 112 Forecast M-Commerce by Category: % Value Growth 2025-2030

COUNTRY REPORTS DISCLAIMER

Summary 1 Research Sources
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The following categories and subcategories are included:

Credit Card Transactions

  • Commercial Credit Card Transactions
    • Average Personal Credit Card Balance
    • Average Personal Credit Card Limit
    • Personal Credit Card Utilisation

Credit Card Transactions

Credit cards allow for purchases against a preapproved line of credit. The account holder has the choice of whether to pay off the entire balance each month or opt for monthly instalments with the balance serving as revolving credit. If the cardholder decides to revolve a balance, the consumer pays interest. Credit cards can include affinity cards, reward cards and types of co-branded cards. Co-branded retailer cards—issued by retailers acting as financial institutions and without usage restrictions—are included in this category. Cards issued by a retailer with usage limited to a specific store within a predefined retail group fall under the store cards definition. Debit cards with an overdraft function are not counted as cards with a credit function. Payments are tracked based on the country of residence / account issuance and include outbound spend while excluding inbound spend.

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This report originates from Passport, our Credit Card Transactions research and analysis database.

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