[ZUU Co., Ltd.] [Credit card usage survey] Rakuten Card ranked No. 1 in terms of number of respondents. When choosing a card, focus on the fact that there is no annual fee.
*ZUU Co., Ltd.*
Press release: September 5, 2024
**
[Credit card usage survey] Rakuten Card ranked first in terms of number of respondents. When choosing a card, focus on the fact that there is no annual fee.
NET MONEY, a financial information media operated by ZUU Co., Ltd. (Headquarters: Meguro-ku, Tokyo, Representative Director: Kazunari Tomita, hereinafter referred to as the “Company”)
https://zuu.co.jp/media/
) recently conducted a survey of 500 domestic credit card holders, both men and women between the ages of 20 and 69, regarding the actual state of credit card usage.
Survey overview
Implementing agency: Neutral Works Co., Ltd.
Survey purpose: Survey on credit card usage status
Survey target: People who have experience using credit cards Research method: Internet research
Number of people surveyed: 500 people
Survey implementation period: June 2024
Survey target area: Japan
Population: 500 domestic men and women between the ages of 20 and 69 who own credit cards.
*Summary of survey results*
In this survey, the most popular credit card with a large number of users was the Rakuten Card.*
, 2nd place was “AEON Card”, and 3rd place was “PayPay Card”.
*The most common answer for using credit cards was “online shopping”*, indicating the high level of convenience of credit cards for online shopping.
Also, when choosing a card, consider factors like “no annual fee” and “point return rate.”
It became clear that most people applied for a card for the first time from the official website.
Survey results
[Question 1] Please tell me how many credit cards you currently own. *1st place 1 piece*
2nd place 2 pieces
3rd place 3 pieces
It was found that 33.2% of people answered “1 piece”, which was the largest number.
66.8% of people had “two or more”, indicating that many people own multiple credit cards.
[Question 2] Please tell me all the types of credit cards you currently own. (Multiple answers possible)
*1st place Rakuten Card*
2nd place Aeon Card
3rd place PayPay card
The number one Rakuten Card has a difference of more than twice that of the second place Aeon Card, indicating that it is a highly popular credit card.
Additionally, PayPay Card, which is relatively new, came in 3rd place.
[Question 3] Please tell me what type of card you currently use as your main card.
*1st place Rakuten Card*
2nd place Sumitomo Mitsui Card (NL)
3rd place PayPay card
The cards that were named did not differ much from [Question 2], but Sumitomo Mitsui Card (NL), which offers an attractive 7% return at convenience stores, came in second place.
* [Question 4] Please tell me why you chose the type of credit card you currently own. (Multiple answers possible)*
*No. 1 because the annual membership fee was free*
2nd place: Point return rate was high
3rd place: I had a good point return rate at stores I frequent.
The most important thing was that there was no annual fee.
[Question 2] [Question 3] Credit cards with no annual fee were ranked high, and we found that the annual fee is an important point when choosing a credit card.
[Question 5] Please tell me how you got your first credit card. (Multiple answers possible)
* 1st place: Because I wanted to use it for online shopping * 2nd place: Because I wanted to accumulate points
3rd place: Because it was recommended to me at the store
Benefits of membership campaign
We found that online shopping was the most common reason people got a credit card for the first time.
With the spread of online shopping, cashless payments, including credit cards, are becoming an essential tool.
[Question 6] Please tell me how you applied for a credit card for the first time.
* 1st place Official Internet page *
2nd Place Information at stores where cards can be used
2nd Place Information at other stores
Applications from the official Internet page, which came in first place, are considered to be popular for their convenience and speed, as they can be applied easily from a smartphone or PC.
On the other hand, the 2nd and 3rd place rankings are “Guidance at stores that accept cards” and “Guidance at other stores,” which indicates that face-to-face applications are still being used. Masu.
[Question 7] Please tell me the total amount spent per month on the credit card you are currently using.
*1st place Less than 50,000 yen*
2nd place 50,000 yen or more and less than 100,000 yen
3rd place 110,000 yen or more and less than 200,000 yen
It was found that nearly half of the respondents spend less than 50,000 yen per month on their cards. This can be said to be somewhat negative considering that the average cost of living alone exceeds 100,000 yen per month.
[Question 8] Please tell me where you mainly use your credit cards. (Multiple answers possible)
* 1st place: Online shopping*
2nd place Super
3rd place Shopping mall
You can see that credit cards are widely used for everything from online shopping to everyday purchases.
The fact that “online shopping” came in first place strongly indicates that online shopping is the main use of credit cards. This trend is likely to have become even stronger as online consumption has increased, especially since the coronavirus pandemic.
“Supermarket”, “Shopping mall”, and “Convenience store” came in second place, indicating that credit cards are widely used even for everyday purchases.
[Question 9] Please tell me how I will use the points I have accumulated. (Multiple answers possible)
* 1st place Exchange for products/benefits on points usage site* 2nd Place: Pay at stores where points can be used
3rd place Credit card withdrawal
The number of responses for the top three choices was close to each other at around 40%, and while each person uses their points differently, each option seems to have a lot of support.
[Question 10] What payment methods do you use other than credit cards? (Multiple answers possible)
* 1st place QR code payment *
2nd place point card
3rd place Electronic money
It can be seen that in addition to credit cards, various cashless payment methods are widely used.
PayPay and Rakuten Pay are among the top-ranked QR code payments, and their benefits, such as increased reward points when linked to credit cards, are thought to be contributing to the promotion of usage.
■All survey results (up to question 10) can be viewed from the link below. https://zuu.co.jp/media/creditcard/creditcard-enquete-2024
* *When posting the contents of this release, please clearly indicate the source as “ZUU research.” *
*If posting on the web, please also link to the above from the source. *
■Company overview
Company name: ZUU Co., Ltd.
Established: April 2, 2013
Capital: 879 million yen *As of the end of March 2024
Representative Director: Kazunari Tomita
Address: 9F, Sumitomo Fudosan Aobadai Tower, 3-6-28 Aobadai, Meguro-ku, Tokyo 104-0061
Corporate site: https://zuu.co.jp/
[Business details]
Fintech platform business
Internet advertising business
Digital marketing support business
Fintech transaction business
Management consulting business
Asset management consulting business
M&A advisory business
[Management service]
Financial media platform “ZUU online”: https://zuuonline.com/ Economic and financial media for individual investors “NET MONEY”: https://zuu.co.jp/media/
Media platform service “MP Cloud”: https://zuu.co.jp/service/mp-cloud/ Management consulting service “PDCA Engineering “Onisoku(R)︎””: https://zuu.co.jp/onisoku-pdca/
Social lending service “COOL”: https://c8l.jp/
Stock investment crowdfunding “Unicorn”: https://unicorn-cf.com/
[Inquiries regarding this release]
ZUU Co., Ltd. PR contact: pr@zuuonline.com