1. Objectives of the Report 2. Executive Summary 3. Credit Card Overview 4. Characteristic of credit card 5. Types of Credit Card 6.

Credit card history 7. Development in the credit card industry 8. Credit card looking for an Ace 9. Indian Scenario 10. Customer Analysis 11. Potential Strategy Harmonisation 12. Competitors Analysis 13. Competitive Landscape in India 14. Recent Events in the industry 15. Advantages of Credit Card transaction 16. Selection process-Credit Card company 17. Marketing of Credit Card 18. Types of credit Card usage 19. Advertising and promotion 20. Credit card fraud on rise in India 21. Ways of reducing credit card abuse 22. Smart Cards- A window to future 23. Action taken by Credit card giants 24. Quantitative market research 25. Smart Card in India 26. Smart Card application for prospective consumers 27. Summary of proposed future strategy Exhibits 1. Individual player positioned 2. EDC terminal cost 3. Survey conducted by Business Today 4. Reason for purchase of credit card 5. information source about credit card 6. Customer Agent 7. Credit card Indices 8. Competitors charges 9. Market size of various players 10. Card purchase process designed 11. Comparative survey of different cards technology 12. Uses of smart card in todays world 13. Industry Update Objectives of the Report To study the Credit Card Industry in terms of its characteristics, factors affecting the market and trends visible in the market and future prospects.

Potrayal of an unbiased view of the industry for potential Issuers Recommendations to enter the market Strategies to enable a new entrant, to capitalize the opportunity prevailing in the market, establish itself and gain a market share. Executive Summary Banking has evolved a long way from the days of the medieval moneylenders counting coins on the bench to the present scenario, where it is hard to trace the trail of money from the beginning to the end. The trail starts right from the small saver leaving a few rupees in his local bank to the billions of rupee loans raised by syndicate banks and financial institutions, capable of financing projects in any country in the world. Still, these banking majors are heavily dependent upon their retails home base of savers and borrowers and therefore, most of the bankers began focusing on this retail market segment as global competition intensified in late seventies and early eighties. This led to the evolution of plastic cards as an alternative to hire-purchase or loan on consumer goods

Indian Scenario Credit cards have been in India for well over two decades. Over the last five years though, they have literally taken over the market. The credit card segment has registered an impressive growth rate of around 40 per cent this year. The credit card subscriber base - over 141 lakh - itself has grown at a phenomenal rate of 30-35 percent a year over the last few years. The rapid growth in the subscriber base can be attributed to the aggressive issuance of credit cards by top 5 players in the industry. The industry has seen the private sector player, ICICI Bank, surge aggressively ahead, surpassing the established MNC banks like Citibank and Standard Chartered. Now there are 5 banks with a portfolio of over 10 lakh credit cards each. As per recent industry estimates there are about 20 million credit and debit card users in India. The number of credit and debit cards in active use in 2008 has been in the range of 25 and 40 million. And the number continues to multiply. On Cards & Commencement In 1951, the first bank credit card appeared in New York's Franklin National Bank for loan customers. The idea, though, had already been experimented with in various forms much before. In India, Andhra Bank was the first to introduce credit cards in 1981.

However, the idea of keeping multiple cards is a relatively new trend. For good or for bad, the trend is catching up and the Indian credit card industry is witnessing this shift from one to multiple