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Debit Cards in Indonesia

Publisher Euromonitor International
Published Feb 06, 2026
Length 23 Pages
SKU # EP20870689

Description

Debit cards in circulation in Indonesia still rose in 2025, but growth eased as more digital banks shifted toward app-led models that do not always include physical cards, even though onboarding by new-to-banking consumers continued to support issuance. The rollout of GPN helped underpin circulation by lowering domestic payment frictions and reducing the historical need for consumers to hold multiple cards to avoid interbank fees. Transaction activity, however, declined as consumers increasingly...

Euromonitor International's Debit Card Transactions in Indonesia 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 Debit Card Transactions, Personal Debit 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 Debit 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

23 Pages
Debit Cards in Indonesia
Euromonitor International
February 2026
List Of Contents And Tables
DEBIT CARDS IN INDONESIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Debit cards lose transactional relevance as QRIS takes share
INDUSTRY PERFORMANCE
Debit cards in Indonesia sees circulation growth ease in 2025
Transactions decline amid persistent online shift
WHAT’S NEXT?
Online payments will continue to erode debit card transaction relevance
Debit card issuance set to grow slowed pace as digital-only model spreads
Issuers and operators anticipated to prioritise features and partnerships to retain users
COMPETITIVE LANDSCAPE
GPN maintains leadership among operators
Issuers compete through distribution reach and added benefits
CATEGORY DATA
Table 1 Debit Cards: Number of Cards in Circulation 2020-2025
Table 2 Debit Cards Transactions 2020-2025
Table 3 Debit Cards in Circulation: % Growth 2020-2025
Table 4 Debit Cards Transactions: % Growth 2020-2025
Table 5 Debit Cards: Number of Cards by Issuer 2020-2024
Table 6 Debit Cards: Number of Cards by Operator 2020-2024
Table 7 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 8 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 9 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 10 Forecast Debit Cards Transactions 2025-2030
Table 11 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 12 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN INDONESIA
EXECUTIVE SUMMARY
Digital wallets and QRIS continue reshaping payments
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Card ownership broadens while issuers compete on added value
BNPL expands as households manage affordability constraints
QRIS pushes further into everyday commerce
WHAT’S NEXT?
Cardless functionality will expand as QRIS deepens into low-value transactions
Virtual-first investment to accelerate as reliance on physical cards declines
COMPETITIVE LANDSCAPE
Bank Rakyat leads overall, while Visa anchors operator reach
Promotions and product integration drive issuer and operator dynamism
MARKET INDICATORS
Table 13 Number of POS Terminals: Units 2020-2025
Table 14 Number of ATMs: Units 2020-2025
Table 15 Value Lost to Fraud 2020-2025
Table 16 Card Expenditure by Location 2025
Table 17 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 18 Domestic versus Foreign Spend 2025
MARKET DATA
Table 19 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 20 Financial Cards by Category: Number of Accounts 2020-2025
Table 21 Financial Cards Transactions by Category: Value 2020-2025
Table 22 Financial Cards by Category: Number of Transactions 2020-2025
Table 23 Consumer Payments by Category: Value 2020-2025
Table 24 Consumer Payments by Category: Number of Transactions 2020-2025
Table 25 M-Commerce by Category: Value 2020-2025
Table 26 M-Commerce by Category: % Value Growth 2020-2025
Table 27 Financial Cards: Number of Cards by Issuer 2020-2024
Table 28 Financial Cards: Number of Cards by Operator 2020-2024
Table 29 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 30 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 31 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 32 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 33 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 34 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 35 Forecast Consumer Payments by Category: Value 2025-2030
Table 36 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 37 Forecast M-Commerce by Category: Value 2025-2030
Table 38 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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