Whalesbook
Market toh ekdum mast chal raha hai, March tak active credit cards 119 Million ho gaye hain, jo pichle saal se 8% zyada hai. Isse pata chalta hai ki kitne log ab card use kar rahe hain.
Halanki, market thoda concentrated hai, top private aur public sector banks milakar lagbhag 80% cards control karte hain.
HDFC Bank ne apna card share 22.2% aur transaction value share 29.8% tak pahuncha diya hai, matlab customers unke saath khush hain. Wahi, SBI Cards ke paas 18.7% cards hain aur unhone transaction value share mein 19.3% achieve kiya hai.
Private banks abhi bhi total card spending ka 72.6% hissa rakhte hain, par pichle saal se unka share 3.15 percentage points kam ho gaya hai. Average spending bhi private bank card par 4% ghat kar ₹18,948 ho gayi hai, matlab log ab kam mehengi cheezein card se kar rahe hain.
Lekin asli kamaal toh PSU banks ne kiya hai! Unki per-card spending mein 17% ka zabardast jump aaya hai, jo ₹16,847 tak pahunch gayi hai. Yeh growth unke badhte customer engagement, co-branded partnerships, chhote shehron mein expansion aur sabse important, UPI-linked credit integration ki wajah se ho rahi hai, jisne naye customers ko attract kiya hai.