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PUBLISHER: Euromonitor International | PRODUCT CODE: 1938011
PUBLISHER: Euromonitor International | PRODUCT CODE: 1938011
Financial Cards and Payments in Indonesia
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PAGES: 61 Pages
DELIVERY TIME: 1-2 business days
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In Indonesia, transaction values and cards in circulation for financial cards declined in 2025, even as issuance was supported by first-time account holders, including recipients of government social assistance, students and users onboarded via digital banks. Issuers leaned on added-value propositions to sustain relevance, with credit cards increasingly tied to e-commerce and ride-hailing ecosystems, while pre-paid cards benefited from practical niches such as parking and routine replacement dem...
Euromonitor International's Financial Cards and Payments in Indonesia report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.
Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.
Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.
Why buy this report?
- Get a detailed picture of the Financial Cards and Payments market;
- Pinpoint growth sectors and identify factors driving change;
- Understand the competitive environment, the market's major players and leading brands;
- Use five-year forecasts to assess how the market is predicted to develop.
Euromonitor International has over 50 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo, Bengaluru, Sao Paulo, Seoul, Hong Kong, Dusseldorf and Mexico City and a network of analysts in 100 countries, Euromonitor International has a unique capability and an understanding of diverse markets to develop reliable information resources to help drive informed strategic planning. To learn more about how our research solutions can support you, contact your local Euromonitor International office.
Product Code: FCID
TABLE OF CONTENTS
List Of Contents And Tables
EXECUTIVE SUMMARY
- Digital wallets and QRIS continue reshaping payments
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
- Card ownership broadens while issuers compete on added value
- BNPL expands as households manage affordability constraints
- QRIS pushes further into everyday commerce
WHAT'S NEXT?
- Cardless functionality will expand as QRIS deepens into low-value transactions
- Virtual-first investment to accelerate as reliance on physical cards declines
COMPETITIVE LANDSCAPE
- Bank Rakyat leads overall, while Visa anchors operator reach
- Promotions and product integration drive issuer and operator dynamism
MARKET INDICATORS
- Table 1 Number of POS Terminals: Units 2020-2025
- Table 2 Number of ATMs: Units 2020-2025
- Table 3 Value Lost to Fraud 2020-2025
- Table 4 Card Expenditure by Location 2025
- Table 5 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
- Table 6 Domestic versus Foreign Spend 2025
MARKET DATA
- Table 7 Financial Cards by Category: Number of Cards in Circulation 2020-2025
- Table 8 Financial Cards by Category: Number of Accounts 2020-2025
- Table 9 Financial Cards Transactions by Category: Value 2020-2025
- Table 10 Financial Cards by Category: Number of Transactions 2020-2025
- Table 11 Consumer Payments by Category: Value 2020-2025
- Table 12 Consumer Payments by Category: Number of Transactions 2020-2025
- Table 13 M-Commerce by Category: Value 2020-2025
- Table 14 M-Commerce by Category: % Value Growth 2020-2025
- Table 15 Financial Cards: Number of Cards by Issuer 2020-2024
- Table 16 Financial Cards: Number of Cards by Operator 2020-2024
- Table 17 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
- Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
- Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
- Table 20 Forecast Financial Cards by Category: Number of Accounts 2025-2030
- Table 21 Forecast Financial Cards Transactions by Category: Value 2025-2030
- Table 22 Forecast Financial Cards by Category: Number of Transactions 2025-2030
- Table 23 Forecast Consumer Payments by Category: Value 2025-2030
- Table 24 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
- Table 25 Forecast M-Commerce by Category: Value 2025-2030
- Table 26 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
- Summary 1 Research Sources
DEBIT CARDS IN INDONESIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
- Debit cards lose transactional relevance as QRIS takes share
INDUSTRY PERFORMANCE
- Debit cards in Indonesia sees circulation growth ease in 2025
- Transactions decline amid persistent online shift
WHAT'S NEXT?
- Online payments will continue to erode debit card transaction relevance
- Debit card issuance set to grow slowed pace as digital-only model spreads
- Issuers and operators anticipated to prioritise features and partnerships to retain users
COMPETITIVE LANDSCAPE
- GPN maintains leadership among operators
- Issuers compete through distribution reach and added benefits
CATEGORY DATA
- Table 27 Debit Cards: Number of Cards in Circulation 2020-2025
- Table 28 Debit Cards Transactions 2020-2025
- Table 29 Debit Cards in Circulation: % Growth 2020-2025
- Table 30 Debit Cards Transactions: % Growth 2020-2025
- Table 31 Debit Cards: Number of Cards by Issuer 2020-2024
- Table 32 Debit Cards: Number of Cards by Operator 2020-2024
- Table 33 Debit Cards Payment Transaction Value by Issuer 2020-2024
- Table 34 Debit Cards Payment Transaction Value by Operator 2020-2024
- Table 35 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
- Table 36 Forecast Debit Cards Transactions 2025-2030
- Table 37 Forecast Debit Cards in Circulation: % Growth 2025-2030
- Table 38 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CREDIT CARDS IN INDONESIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
- Credit cards sustains growth as issuers digitise and defend against BNPL
INDUSTRY PERFORMANCE
- Credit cards in Indonesia expands in 2025
- Issuers reinforce digital utility and everyday relevance
WHAT'S NEXT?
- Travel and foodservice will support credit card transaction growth
- Intensified BNPL competition amid strengthened value propositions
- Digital credit card adoption to accelerate amid increased investment
COMPETITIVE LANDSCAPE
- Visa retains operator leadership while BCA Card posts fastest growth
- BCA leads issuance and dynamism concentrates in promotions and features
CATEGORY DATA
- Table 39 Credit Cards: Number of Cards in Circulation 2020-2025
- Table 40 Credit Cards Transactions 2020-2025
- Table 41 Credit Cards in Circulation: % Growth 2020-2025
- Table 42 Credit Cards Transactions: % Growth 2020-2025
- Table 43 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
- Table 44 Commercial Credit Cards Transactions 2020-2025
- Table 45 Commercial Credit Cards in Circulation: % Growth 2020-2025
- Table 46 Commercial Credit Cards Transactions: % Growth 2020-2025
- Table 47 Personal Credit Cards: Number of Cards in Circulation 2020-2025
- Table 48 Personal Credit Cards Transactions 2020-2025
- Table 49 Personal Credit Cards in Circulation: % Growth 2020-2025
- Table 50 Personal Credit Cards Transactions: % Growth 2020-2025
- Table 51 Credit Cards: Number of Cards by Issuer 2020-2024
- Table 52 Credit Cards: Number of Cards by Operator 2020-2024
- Table 53 Credit Cards Payment Transaction Value by Issuer 2020-2024
- Table 54 Credit Cards Payment Transaction Value by Operator 2020-2024
- Table 55 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
- Table 56 Commercial Credit Cards: Number of Cards by Operator 2020-2024
- Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
- Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
- Table 59 Personal Credit Cards: Number of Cards by Issuer 2020-2024
- Table 60 Personal Credit Cards: Number of Cards by Operator 2020-2024
- Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
- Table 62 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
- Table 63 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
- Table 64 Forecast Credit Cards Transactions 2025-2030
- Table 65 Forecast Credit Cards in Circulation: % Growth 2025-2030
- Table 66 Forecast Credit Cards Transactions: % Growth 2025-2030
- Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
- Table 68 Forecast Commercial Credit Cards Transactions 2025-2030
- Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
- Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
- Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
- Table 72 Forecast Personal Credit Cards Transactions 2025-2030
- Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
- Table 74 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CHARGE CARDS IN INDONESIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
- Charge cards lose relevance as alternatives strengthen
INDUSTRY PERFORMANCE
- Charge cards in Indonesia declines in 2025
- Positioning targets niche premium needs
WHAT'S NEXT?
- Transaction value set to see deeper decline as acceptance constraints subvert progress
- Digitalisation to further undermine demand for charge cards
- Premiumisation and exclusivity underpins strategy
COMPETITIVE LANDSCAPE
- American Express remains sole operator while
- Bank Danamon leads issuance
CATEGORY DATA
- Table 75 Charge Cards: Number of Cards in Circulation 2020-2025
- Table 76 Charge Cards Transactions 2020-2025
- Table 77 Charge Cards in Circulation: % Growth 2020-2025
- Table 78 Charge Cards Transactions: % Growth 2020-2025
- Table 79 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
- Table 80 Commercial Charge Cards Transactions 2020-2025
- Table 81 Commercial Charge Cards in Circulation: % Growth 2020-2025
- Table 82 Commercial Charge Cards Transactions: % Growth 2020-2025
- Table 83 Personal Charge Cards: Number of Cards in Circulation 2020-2025
- Table 84 Personal Charge Cards Transactions 2020-2025
- Table 85 Personal Charge Cards in Circulation: % Growth 2020-2025
- Table 86 Personal Charge Cards Transactions: % Growth 2020-2025
- Table 87 Charge Cards: Number of Cards by Issuer 2020-2024
- Table 88 Charge Cards: Number of Cards by Operator 2020-2024
- Table 89 Charge Cards Payment Transaction Value by Issuer 2020-2024
- Table 90 Charge Cards Payment Transaction Value by Operator 2020-2024
- Table 91 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
- Table 92 Commercial Charge Cards: Number of Cards by Operator 2020-2024
- Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
- Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
- Table 95 Personal Charge Cards: Number of Cards by Issuer 2020-2024
- Table 96 Personal Charge Cards: Number of Cards by Operator 2020-2024
- Table 97 Personal Charge Cards Transaction Value by Issuer 2020-2024
- Table 98 Personal Charge Cards Transaction Value by Operator 2020-2024
- Table 99 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
- Table 100 Forecast Charge Cards Transactions 2025-2030
- Table 101 Forecast Charge Cards in Circulation: % Growth 2025-2030
- Table 102 Forecast Charge Cards Transactions: % Growth 2025-2030
- Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
- Table 104 Forecast Commercial Charge Cards Transactions 2025-2030
- Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
- Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
- Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
- Table 108 Forecast Personal Charge Cards Transactions 2025-2030
- Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
- Table 110 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
PRE-PAID CARDS IN INDONESIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
- Parking and toll use cases keep prepaid cards growing
INDUSTRY PERFORMANCE
- Pre-paid cards in Indonesia expands in 2025 as transport and parking sustain demand
- Transactions benefit from improved ecosystem and reload options
WHAT'S NEXT?
- Pre-paid card transactions set for continued growth, though momentum will ease
- Cards in circulation expected to expand marginally as saturation deepens
- Higher toll and parking charges likely to lift average pre-paid spend
COMPETITIVE LANDSCAPE
- Closed loop leadership consolidates around commuter rail
- Open loop remains anchored in distribution and utility
CATEGORY DATA
- Table 111 Pre-paid Cards: Number of Cards in Circulation 2020-2025
- Table 112 Pre-paid Cards Transactions 2020-2025
- Table 113 Pre-paid Cards in Circulation: % Growth 2020-2025
- Table 114 Pre-paid Cards Transactions: % Growth 2020-2025
- Table 115 Closed Loop Pre-paid Cards Transactions 2020-2025
- Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
- Table 117 Open Loop Pre-paid Cards Transactions 2020-2025
- Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
- Table 119 Pre-paid Cards: Number of Cards by Issuer 2020-2024
- Table 120 Pre-paid Cards: Number of Cards by Operator 2020-2024
- Table 121 Pre-paid Cards Transaction Value by Issuer 2020-2024
- Table 122 Pre-paid Cards Transaction Value by Operator 2020-2024
- Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
- Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
- Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
- Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
- Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
- Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
- Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
- Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
- Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
- Table 132 Forecast Pre-paid Cards Transactions 2025-2030
- Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
- Table 134 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
- Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
- Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
- Table 137 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
- Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
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