Source: Hong Kong Government special administrative region
Statistics of Payment Cards Issued in Hong Kong for Fourth Quarter 2025
The payment card statistics (see Annex) include quarterly data on credit and debit cards issued in Hong Kong under the credit and/or debit card schemes of the eight payment card scheme operators (Note 1). The HKMA began to publish the payment card statistics on a quarterly basis in June 2010 to enhance transparency of the payment card industry in Hong Kong, in line with international practice.
According to the quarterly statistics, the total number of credit cards in circulation (Note 2) was 28.99 million by the end of Q4/2025. The figure represents a 15.6 per cent increase from the previous quarter and a 38.4 per cent increase from the previous year. The number and value of credit card transactions (including retail sales and cash advances) (Note 3) are susceptible to seasonal factors and the general economic environment, making the trends more prone to fluctuation. The total number of credit card transactions was 393.96 million for Q4/2025, representing a 3.0 per cent increase from the previous quarter and a 16.1 per cent increase from the same period in 2024. The total value of credit card transactions was HK$311.6 billion for Q4/2025, representing a 9.1 per cent increase from the previous quarter and a 14.8 per cent increase from the same period in 2024. Of the total transaction value, HK$201.6 billion (64.7 per cent) was related to retail spending in Hong Kong, HK$100.3 billion (32.2 per cent) in retail spending overseas and HK$9.6 billion (3.1 per cent) in cash advances.
The total number of debit cards in circulation is not available due to overlapping of debit card brands in a single card. Like the number and value of credit card transactions, the number and value of debit card transactions in relation to retail sales and bills payments (Note 4) are also affected by seasonal factors. On a quarterly basis, the total number of debit card transactions in relation to retail sales and bills payments increased by 2.7 per cent to 53.7 million while the total value increased by 11.0 per cent to HK$69.6 billion in Q4/2025. When compared to the same period in 2024, the total number decreased by 3.2 per cent and the total value dropped by 4.6 per cent in Q4/2025.Issued at HKT 17:45
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