Topic
credit cards
Banks opt to deepen card usage within existing base
Banks are increasingly issuing multiple credit cards to existing customers rather than onboarding new ones, resulting in just 5.2 crore unique cardholders against 10.7 crore cards in circulation as of March 2026, according to TransUnion Cibil's 'Beyond the Swipe' report. The shift reflects a decade-long trend of deepening usage rather than expanding ownership, with the share of consumers holding three or more cards rising from 12% in 2016 to 22% in 2026.
India's Credit Card Market Grows 8x in Decade but Penetration Remains Low at 25%
A TransUnion CIBIL report reveals India's credit card market has expanded sharply over the past decade, with outstanding balances rising 8.3 times to Rs 3.1 lakh crore. However, penetration remains low at 25%, compared to over 60% in Colombia, UK, USA, and Hong Kong. New-to-credit additions have slumped to 8% of fresh cards, indicating limited expansion of the formal credit ecosystem.
Jersey Government to Share Personal Data With UK Credit Agencies From July 30
Jersey's government will securely share residents' personal data with UK credit reference agencies from 30 July 2026, unless they opt out, to improve access to credit cards. The move has drawn mixed reactions: some islanders welcome easier credit applications, while others worry about data privacy. Consumer Council calls it a relief for those previously unable to obtain credit.