Charge Cards in Malaysia

November 2023
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Overview:

Understand the latest market trends and future growth opportunities for the Charge Card Transactions industry in Malaysia 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 Charge Card Transactions industry in Malaysia, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Charge Card Transactions in Malaysia 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 Charge Card Transactions in Malaysia?
  • What are the major trends key to understanding Charge Card Transactions in Malaysia?
  • 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?
Download Table of Contents

Charge Cards in Malaysia - Category analysis

Charge Cards in Malaysia - Company Profile

KEY DATA FINDINGS

Positive growth in the use of charge cards due to rebound in travel
Charge card players remain very thin on the ground in Malaysia
Buy Now Pay Later (BNPL) alternatives increase the pressure on charge cards
Charge cards is expected to remain a limited category in the forecast period
Travel-related expenses are likely to account for the highest usage of personal and commercial charge cards
Strong competition between credit cards and charge cards is expected to be a persistent trend in financial cards in Malaysia
Table 1 Charge Cards: Number of Cards in Circulation 2018-2023
Table 2 Charge Cards Transactions 2018-2023
Table 3 Charge Cards in Circulation: % Growth 2018-2023
Table 4 Charge Cards Transactions: % Growth 2018-2023
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 6 Commercial Charge Cards Transactions 2018-2023
Table 7 Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 8 Commercial Charge Cards Transactions: % Growth 2018-2023
Table 9 Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 10 Personal Charge Cards Transactions 2018-2023
Table 11 Personal Charge Cards in Circulation: % Growth 2018-2023
Table 12 Personal Charge Cards Transactions: % Growth 2018-2023
Table 13 Charge Cards: Number of Cards by Issuer 2018-2022
Table 14 Charge Cards: Number of Cards by Operator 2018-2022
Table 15 Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 16 Charge Cards Payment Transaction Value by Operator 2018-2022
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
Table 18 Commercial Charge Cards: Number of Cards by Operator 2018-2022
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
Table 21 Personal Charge Cards: Number of Cards by Issuer 2018-2022
Table 22 Personal Charge Cards: Number of Cards by Operator 2018-2022
Table 23 Personal Charge Cards Transaction Value by Issuer 2018-2022
Table 24 Personal Charge Cards Transaction Value by Operator 2018-2022
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
Table 26 Forecast Charge Cards Transactions 2023-2028
Table 27 Forecast Charge Cards in Circulation: % Growth 2023-2028
Table 28 Forecast Charge Cards Transactions: % Growth 2023-2028
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
Table 30 Forecast Commercial Charge Cards Transactions 2023-2028
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2023-2028
Table 34 Forecast Personal Charge Cards Transactions 2023-2028
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2023-2028
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2023-2028

Credit Cards in Malaysia - Category analysis

Credit Cards in Malaysia - Company Profile

KEY DATA FINDINGS

Consumer spending through credit cards grows in 2023 as the reopening of society sparks usage
New product innovation with travel-related benefits to meet rising travel needs
Rising trend of virtual credit cards and mobile payments in conjunction with surging number of tech-savvy consumers
Positive outlook for personal and commercial credit cards
Credit card players compete strongly with Buy Now Pay Later (BNPL) through the offer of more interest-free options
Partnerships and personalised benefits and features to add dynamism to the credit card offer
Table 37 Credit Cards: Number of Cards in Circulation 2018-2023
Table 38 Credit Cards Transactions 2018-2023
Table 39 Credit Cards in Circulation: % Growth 2018-2023
Table 40 Credit Cards Transactions: % Growth 2018-2023
Table 41 Commercial Credit Cards: Number of Cards in Circulation 2018-2023
Table 42 Commercial Credit Cards Transactions 2018-2023
Table 43 Commercial Credit Cards in Circulation: % Growth 2018-2023
Table 44 Commercial Credit Cards Transactions: % Growth 2018-2023
Table 45 Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 46 Personal Credit Cards Transactions 2018-2023
Table 47 Personal Credit Cards in Circulation: % Growth 2018-2023
Table 48 Personal Credit Cards Transactions: % Growth 2018-2023
Table 49 Credit Cards: Number of Cards by Issuer 2018-2022
Table 50 Credit Cards: Number of Cards by Operator 2018-2022
Table 51 Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 52 Credit Cards Payment Transaction Value by Operator 2018-2022
Table 53 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
Table 54 Commercial Credit Cards: Number of Cards by Operator 2018-2022
Table 55 Commercial Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 56 Commercial Credit Cards Payment Transaction Value by Operator 2018-2022
Table 57 Personal Credit Cards: Number of Cards by Issuer 2018-2022
Table 58 Personal Credit Cards: Number of Cards by Operator 2018-2022
Table 59 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 60 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
Table 61 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
Table 62 Forecast Credit Cards Transactions 2023-2028
Table 63 Forecast Credit Cards in Circulation: % Growth 2023-2028
Table 64 Forecast Credit Cards Transactions: % Growth 2023-2028
Table 65 Forecast Commercial Credit Cards: Number of Cards in Circulation 2023-2028
Table 66 Forecast Commercial Credit Cards Transactions 2023-2028
Table 67 Forecast Commercial Credit Cards in Circulation: % Growth 2023-2028
Table 68 Forecast Commercial Credit Cards Transactions: % Growth 2023-2028
Table 69 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
Table 70 Forecast Personal Credit Cards Transactions 2023-2028
Table 71 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
Table 72 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

Debit Cards in Malaysia - Category analysis

Debit Cards in Malaysia - Company Profile

KEY DATA FINDINGS

Strong uptick in the use of debit cards as acceptance widens and the government promotes cashless payments
Convenience and time-saving benefits have a push-pull effect on debit cards
Commercial debit cards see greater usage with the resumption of normal business activities
Debit card use set to surge with more terminals being installed to promote usage
The government is set to continue to stimulate cashless payments and fight fraud
Launch of multicurrency debit cards by leading banks in response to strong surge in cross-border travel
Table 73 Debit Cards: Number of Cards in Circulation 2018-2023
Table 74 Debit Cards Transactions 2018-2023
Table 75 Debit Cards in Circulation: % Growth 2018-2023
Table 76 Debit Cards Transactions: % Growth 2018-2023
Table 77 Debit Cards: Number of Cards by Issuer 2018-2022
Table 78 Debit Cards: Number of Cards by Operator 2018-2022
Table 79 Debit Cards Payment Transaction Value by Issuer 2018-2022
Table 80 Debit Cards Payment Transaction Value by Operator 2018-2022
Table 81 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
Table 82 Forecast Debit Cards Transactions 2023-2028
Table 83 Forecast Debit Cards in Circulation: % Growth 2023-2028
Table 84 Forecast Debit Cards Transactions: % Growth 2023-2028

Pre-Paid Cards in Malaysia - Category analysis

Pre-Paid Cards in Malaysia - Company Profile

KEY DATA FINDINGS

Open loop pre-paid cards gain traction fast through use for parking and motorway facilities but closed loop pre-paid cards face strong competition
The interest in pre-paid cards benefits strongly from the changing digital payment landscape
Partnership with Visa spurs Touch ‘n Go
Additional payment methods for major tolls and motorways are set to change the landscape of pre-paid card payments
Stiff competition from mobile wallets amid a shifting payment landscape in Malaysia
Soaring number of pre-paid cards to cater to rising travel needs
Table 85 Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 86 Pre-paid Cards Transactions 2018-2023
Table 87 Pre-paid Cards in Circulation: % Growth 2018-2023
Table 88 Pre-paid Cards Transactions: % Growth 2018-2023
Table 89 Closed Loop Pre-paid Cards Transactions 2018-2023
Table 90 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 91 Open Loop Pre-paid Cards Transactions 2018-2023
Table 92 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 93 Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 94 Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 95 Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 96 Pre-paid Cards Transaction Value by Operator 2018-2022
Table 97 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 98 Closed Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 99 Closed Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 100 Closed Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 101 Open Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 102 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 103 Open Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 104 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 105 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
Table 106 Forecast Pre-paid Cards Transactions 2023-2028
Table 107 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
Table 108 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
Table 109 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
Table 110 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
Table 111 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
Table 112 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

Store Cards in Malaysia - Category analysis

Store Cards in Malaysia - Company Profile

Financial Cards and Payments in Malaysia - Industry Overview

Financial cards and payments in 2023: The big picture
key trends
Malaysian government engages in proactive initiatives to speed the transition to a cashless society
Competitive landscape
What next for financial cards and payments?
Table 113 Number of POS Terminals: Units 2018-2023
Table 114 Number of ATMs: Units 2018-2023
Table 115 Value Lost to Fraud 2018-2023
Table 116 Card Expenditure by Location 2023
Table 117 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
Table 118 Domestic versus Foreign Spend 2023
Table 119 Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 120 Financial Cards by Category: Number of Accounts 2018-2023
Table 121 Financial Cards Transactions by Category: Value 2018-2023
Table 122 Financial Cards by Category: Number of Transactions 2018-2023
Table 123 Consumer Payments by Category: Value 2018-2023
Table 124 Consumer Payments by Category: Number of Transactions 2018-2023
Table 125 M-Commerce by Category: Value 2018-2023
Table 126 M-Commerce by Category: % Value Growth 2018-2023
Table 127 Financial Cards: Number of Cards by Issuer 2018-2022
Table 128 Financial Cards: Number of Cards by Operator 2018-2022
Table 129 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
Table 130 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
Table 131 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
Table 132 Forecast Financial Cards by Category: Number of Accounts 2023-2028
Table 133 Forecast Financial Cards Transactions by Category: Value 2023-2028
Table 134 Forecast Financial Cards by Category: Number of Transactions 2023-2028
Table 135 Forecast Consumer Payments by Category: Value 2023-2028
Table 136 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
Table 137 Forecast M-Commerce by Category: Value 2023-2028
Table 138 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

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

Charge Card Transactions

  • Commercial Charge Card Transactions
  • Personal Charge Card Transactions

Charge Card Transactions

A charge card (sometimes referred to as a Travel and Entertainment card) shares the “pay later” component with credit cards. However, charge card balances normally have to be paid off monthly and do not attract interest charges. Charge cards typically possess high (or even no) pre-set spending limits and may carry a high annual fee. 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 Charge Card Transactions research and analysis database.

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