Credit/ Debit cards: India - Revision history

Jyoti: /* Credit cards issued */

2026-09-08T21:27:35Z

‎Credit cards issued

Jyoti: /* Cards issued */

2024-12-21T09:31:12Z

‎Cards issued

Jyoti: /* Card usage */

2023-07-28T17:40:32Z

‎Card usage

Jyoti: /* 2014-19: Debit cards double, ATMs see 20% rise */

2021-08-17T11:14:17Z

‎2014-19: Debit cards double, ATMs see 20% rise

Jyoti at 10:44, 28 July 2021

2021-07-28T10:44:58Z

Jyoti: /* Credit vs. debit cards */

2021-06-08T12:41:35Z

‎Credit vs. debit cards

Jyoti: /* The major cards */

2021-06-07T15:22:09Z

‎The major cards

Jyoti: /* Credit vs. debit cards */

2021-06-07T15:14:24Z

‎Credit vs. debit cards

Jyoti: /* Credit vs. debit cards */

2021-05-31T17:48:50Z

‎Credit vs. debit cards

Jyoti: /* Credit card spend rises */

2020-12-07T14:16:19Z

‎Credit card spend rises

← Older revision		Revision as of 21:27, 8 September 2026
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	'' Growth of credit card issuance, 2020-2024 ''		'' Growth of credit card issuance, 2020-2024 ''
		+
		+	==As of 2026==
		+	[[File: Credit cards issued in India, bank-wise, as of 2026.jpg\|Credit cards issued in India, bank-wise, as of 2026 <br/> From: [August 22, 2026: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' Credit cards issued in India, bank-wise, as of 2026 ''

	[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA		[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA

← Older revision		Revision as of 09:31, 21 December 2024
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	'' Growth of card issuance, FY 22-23 ''		'' Growth of card issuance, FY 22-23 ''
		+
		+	==Credit cards issued==
		+	===2020-2024===
		+	[[File: Growth of credit card issuance, 2020-2024.jpg\|Growth of credit card issuance, 2020-2024 <br/> From: [https://epaper.indiatimes.com/article-share?article=08_10_2024_013_006_cap_TOI Oct 8, 2024: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' Growth of credit card issuance, 2020-2024 ''
		+
		+	[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:India\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Name\|ALPHABETCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Pages with broken file links\|CREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]

	=Card usage=		=Card usage=

@@ Line 13: / Line 13: @@
 =Card usage=
@@ Line 73: / Line 81: @@
 “All banks had undertaken a major re-carding exercise during the EMV migration. For us, when we moved from the magnetic strip to EMVchip based, we also made all our cards NFC-enabled (near field communication-enabled cards) for tap-and-go payments,” said Sanjeev Moghe, executive VP and head, cards & payment at Axis Bank.
 [[Category:Economy-Industry-Resources|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA

@@ Line 55: / Line 55: @@
 “We are seeing ATM deployment only in pockets. Clearly, the demand is there. It is about creating a model that is viable. If the additional costs are not covered through a higher interchange (a fee paid by the ATM-using bank to the ATMdeploying bank), banks will have to bear the costs,” said Himanshu Pujara, regional MD of Euronet Worldwide and a director in the Confederation of ATM Industry (CATMi). With banks outsourcing deployment of ATMs, management service providers who operate the networks or even rent out machines to banks have a large role to play.
 Banks, which are trying to contain costs, are refusing to pay more for the same services. The cash logistics companies are seeking an additional Rs 4,900 per ATM per month because of the increased security features.
 “The increased costs are a disincentive for ATM deployment. Although the RBI has issued several new bank licences, many of them are looking at riding the network of existing banks as paying the interchange is cheaper than building your own network,” said a banker. The interchange issue is being addressed by the RBI and a recent meeting was called by National Payments Corporation of India (NPCI) and the interchange is likely to be increased from Rs 15 to Rs 18 per transaction.
-[[Category:Economy-Industry-Resources|C
+==2019: a 2-year low==
 CREDIT/ DEBIT CARDS: INDIA]]
-[[Category:India|C
+[[Category:Name|ALPHABETCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
 CREDIT/ DEBIT CARDS: INDIA]]
-[[Category:Name|ALPHABET
+[[Category:Pages with broken file links|CREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
 CREDIT/ DEBIT CARDS: INDIA]]

@@ Line 9: / Line 9: @@
 See [[examples]] and a tutorial.</div>
 |}
-[[Category:India|C]]
-[[Category: Economy-Industry-Resources |C]]
-[[Category:Name|Alphabet]]
-[[Category:Name|Alphabet]]
 =Card usage=
@@ Line 159: / Line 159: @@
 [[Category:Name|ALPHABETCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
 CREDIT/ DEBIT CARDS: INDIA]]
-[[Category:Pages with broken file links|CREDIT/ DEBIT CARDS: INDIA]]
 =Rules=
@@ Line 188: / Line 188: @@
 In its verdict on May 29, 2018, the court ruled that Vandana should have given a self-cheque or an authorisation letter to her husband for withdrawal of Rs 25,000, instead sharing the PIN and making him withdraw the money. The court dismissed the case.

← Older revision		Revision as of 12:41, 8 June 2021
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	While debit cards dominate purchases, recording the most number of swipes for ATM & PoS machines, on the value front, customers prefer credit cards, according to the data released by Reserve Bank of India (RBI).		While debit cards dominate purchases, recording the most number of swipes for ATM & PoS machines, on the value front, customers prefer credit cards, according to the data released by Reserve Bank of India (RBI).
		+
		+	=The fee income of banks=
		+	==2017-19==
		+	[[File: The fee income of banks from Credit, Debit cards, 2017-19.jpg\|The fee income of banks from Credit/ Debit cards, 2017-19 <br/> From: [https://epaper.timesgroup.com/olive/ODN/TimesOfIndia/shared/ShowArticle.aspx?doc=TOIDEL/2019/10/21&entity=Ar02201&sk=222AD385&mode=image Oct 21, 2019: ''The Times of India'']\|frame\|500px]]
		+
		+
		+	'''See graphic''':
		+
		+	'' The fee income of banks from Credit/ Debit cards, 2017-19 ''
		+
		+	[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:India\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Name\|ALPHABETCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Pages with broken file links\|CREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]

	=The major cards=		=The major cards=

@@ Line 104: / Line 104: @@
 =The major cards=
 == 2014-19==
-[[File: The major Credit- Debit cards in India, 2014-19.jpg|The major Credit/ Debit cards in India, 2014-19 <br/> From: |frame|500px]]
+[[File: The major Credit- Debit cards in India, 2014-19.jpg|The major Credit/ Debit cards in India, 2014-19 <br/> From: [https://epaper.timesgroup.com/olive/apa/timesofindia/SharedView.Article.aspx?href=TOIDEL%2F2019%2F10%2F08&id=Ar02313&sk=59E71575&viewMode=image  Oct 8, 2019: ''The Times of India'']|frame|500px]]
 '''See graphic''':

← Older revision		Revision as of 15:14, 7 June 2021
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	While debit cards dominate purchases, recording the most number of swipes for ATM & PoS machines, on the value front, customers prefer credit cards, according to the data released by Reserve Bank of India (RBI).		While debit cards dominate purchases, recording the most number of swipes for ATM & PoS machines, on the value front, customers prefer credit cards, according to the data released by Reserve Bank of India (RBI).
		+
		+	=The major cards=
		+	== 2014-19==
		+	[[File: The major Credit- Debit cards in India, 2014-19.jpg\|The major Credit/ Debit cards in India, 2014-19 <br/> From: \|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' The major Credit/ Debit cards in India, 2014-19 ''
		+
		+	[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:India\|CCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Name\|ALPHABETCREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIACREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Pages with broken file links\|CREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]

	=Market share=		=Market share=

← Older revision		Revision as of 14:16, 7 December 2020
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	Card companies are in 2013 in a much better position to extend credit than they were in 2008. First, there has been a dramatic fall in wilful defaults. Secondly, banks have learnt their lessons after 2007 when defaults in personal loans peaked; instead, they now issue cards largely to their own customer base.		Card companies are in 2013 in a much better position to extend credit than they were in 2008. First, there has been a dramatic fall in wilful defaults. Secondly, banks have learnt their lessons after 2007 when defaults in personal loans peaked; instead, they now issue cards largely to their own customer base.
		+
		+	=Credit vs. debit cards=
		+	==Usage in 2018==
		+	[[File: The usage of credit vs. debit cards, presumably as in 2018.jpg\| The usage of credit vs. debit cards, presumably as in 2018 <br/> From: [https://timesofindia.indiatimes.com/business/debit-cards-dominate-the-digital-payment-space/articleshow/69853779.cms June 19, 2019: ''The Times of India'']\|frame\|500px]]
		+
		+	'''See graphic''':
		+
		+	'' The usage of credit vs. debit cards, presumably as in 2018 ''
		+
		+	While debit cards dominate purchases, recording the most number of swipes for ATM & PoS machines, on the value front, customers prefer credit cards, according to the data released by Reserve Bank of India (RBI).
		+
		+	[[Category:Economy-Industry-Resources\|CCREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:India\|CCREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]
		+	[[Category:Name\|ALPHABETCREDIT/ DEBIT CARDS: INDIA
		+	CREDIT/ DEBIT CARDS: INDIA]]

	=Rules=		=Rules=