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Charge Cards in the United Arab Emirates

Publisher Euromonitor International
Published Jan 19, 2026
Length 26 Pages
SKU # EP20807793

Description

Charge cards in the United Arab Emirates saw circulation fall through the review period, including 2025. The overall contraction in the number of charge cards in circulation reflected the weaker demand in the personal space and stagnation in the possession of commercial products. Consumers and corporate entities alike leaned more heavily on credit cards and digital wallets. For consumers, limited merchant acceptance of charge cards, compared to credit cards, reduced their appeal, while businesse...

Euromonitor International's Charge Card Transactions in United Arab Emirates 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: Commercial Charge Card Transactions, Personal Charge Card 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 Charge Card Transactions 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.

Table of Contents

26 Pages
Charge Cards in the United Arab Emirates
Euromonitor International
January 2026
List Of Contents And Tables
CHARGE CARDS IN THE UNITED ARAB EMIRATES
KEY DATA FINDINGS
2025 DEVELOPMENTS
Charge cards continues to face challenges
INDUSTRY PERFORMANCE
Shift to credit cards hits the use of personal charge cards
Commercial charge cards lead the category
WHAT’S NEXT?
Charge cards in circulation and transaction volumes to fall amidst a shift to credit cards
American Express to continue to shape the competitive landscape
Players to employ strategic positioning to sustain growth
COMPETITIVE LANDSCAPE
American Express is streets ahead of rivals
Majid Al Futtaim Finance’s cobranded cards gain traction
CATEGORY DATA
Table 1 Charge Cards: Number of Cards in Circulation 2020-2025
Table 2 Charge Cards Transactions 2020-2025
Table 3 Charge Cards in Circulation: % Growth 2020-2025
Table 4 Charge Cards Transactions: % Growth 2020-2025
Table 5 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 6 Commercial Charge Cards Transactions 2020-2025
Table 7 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 8 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 9 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 10 Personal Charge Cards Transactions 2020-2025
Table 11 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 12 Personal Charge Cards Transactions: % Growth 2020-2025
Table 13 Charge Cards: Number of Cards by Issuer 2020-2024
Table 14 Charge Cards: Number of Cards by Operator 2020-2024
Table 15 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 16 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 17 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 18 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 19 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 20 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 21 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 22 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 23 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 24 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 25 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 26 Forecast Charge Cards Transactions 2025-2030
Table 27 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 28 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 29 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 30 Forecast Commercial Charge Cards Transactions 2025-2030
Table 31 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 32 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 33 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 34 Forecast Personal Charge Cards Transactions 2025-2030
Table 35 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 36 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN THE UNITED ARAB EMIRATES
EXECUTIVE SUMMARY
The number of cards in circulation rises healthily and steadily
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Credit cards and pre-paid cards gain momentum while debit cards remain popular
Stronger fintech activity spurs usage
Leading players leverage ecosystems as smaller players struggle
WHAT’S NEXT?
Bright outlook for most types of financial cards
Company and government activities to increase the penetration of financial cards
E-commerce to hasten financial card use
COMPETITIVE LANDSCAPE
RTA benefits from strong integration and tourism recovery to consolidate its position as the leading issuer
Visa benefits from strong growth in financial cards and partnerships
MARKET INDICATORS
Table 37 Number of POS Terminals: Units 2020-2025
Table 38 Number of ATMs: Units 2020-2025
Table 39 Value Lost to Fraud 2020-2025
Table 40 Card Expenditure by Location 2025
Table 41 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 42 Domestic versus Foreign Spend 2025
MARKET DATA
Table 43 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 44 Financial Cards by Category: Number of Accounts 2020-2025
Table 45 Financial Cards Transactions by Category: Value 2020-2025
Table 46 Financial Cards by Category: Number of Transactions 2020-2025
Table 47 Consumer Payments by Category: Value 2020-2025
Table 48 Consumer Payments by Category: Number of Transactions 2020-2025
Table 49 M-Commerce by Category: Value 2020-2025
Table 50 M-Commerce by Category: % Value Growth 2020-2025
Table 51 Financial Cards: Number of Cards by Issuer 2020-2024
Table 52 Financial Cards: Number of Cards by Operator 2020-2024
Table 53 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 54 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 55 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 56 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 57 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 58 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 59 Forecast Consumer Payments by Category: Value 2025-2030
Table 60 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 61 Forecast M-Commerce by Category: Value 2025-2030
Table 62 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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