---
title: "The total credit card transaction amount in Hong Kong in the fourth quarter of last year was HKD 311.6 billion, an increase of 14.8% year-on-year"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/279955471.md"
description: "The Monetary Authority announced that the total credit card transaction amount in the fourth quarter of 2025 reached HKD 311.6 billion, an annual increase of 14.8%. The total number of credit cards was 28.99 million, a quarterly increase of 15.6%. The transaction volume for that quarter was 393.96 million, an annual increase of 16.1%. Hong Kong consumption accounted for 64.7%, while overseas consumption accounted for 32.2%. The number of stored value payment tool accounts increased to 86.4 million, with a total transaction volume of approximately 2.3 billion and a total amount of HKD 272.4 billion, an annual increase of 8.3%"
datetime: "2026-03-20T13:52:33.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/279955471.md)
  - [en](https://longbridge.com/en/news/279955471.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/279955471.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/279955471.md) | [繁體中文](https://longbridge.com/zh-HK/news/279955471.md)


# The total credit card transaction amount in Hong Kong in the fourth quarter of last year was HKD 311.6 billion, an increase of 14.8% year-on-year

The Monetary Authority announced that by the end of Q4 2025, the total number of credit cards in circulation was 28.99 million, an increase of 15.6% quarter-on-quarter and 38.4% year-on-year. The total transaction volume of credit cards in Q4 was 393.96 million transactions, up 3% quarter-on-quarter and 16.1% year-on-year, with a total transaction amount of HKD 311.6 billion, an increase of 9.1% quarter-on-quarter and 14.8% year-on-year.

Among the total transaction amount of credit card transactions in that quarter, HKD 201.6 billion (64.7%) was for consumption in Hong Kong, HKD 100.3 billion (32.2%) was for overseas consumption, and HKD 9.6 billion (3.1%) was for cash loans.

## Total Transaction Volume of Retail Sales Debit Cards Increased by 2.7% Quarter-on-Quarter

In terms of debit cards, the total transaction volume involving retail sales and bill payments in Q4 increased by 2.7% quarter-on-quarter to 53.7 million transactions, with the total amount increasing by 11% quarter-on-quarter to HKD 69.6 billion. Compared to the previous year, the total transaction volume of debit cards in that quarter decreased by 3.2%, and the total amount decreased by 4.6%.

## Total Number of Stored Value Payment Tool Accounts Increased by 3.6%

Additionally, the Monetary Authority announced that by the end of Q4 last year, the total number of active stored value payment tool accounts was 86.4 million, an increase of 3.6% quarter-on-quarter. The total transaction volume of stored value payment tools in Q4 was approximately 2.3 billion transactions, up 6.6% quarter-on-quarter; the total transaction amount was HKD 272.4 billion, up 1.3%. Among the total transaction amount, HKD 47.5 billion was for point-of-sale consumption payments, HKD 34.3 billion was for online consumption payments, HKD 16.5 billion was for person-to-person transfers, HKD 60.6 billion was for withdrawals, and HKD 113.5 billion was for value-added services.

Compared to the previous year, the total number of active stored value payment tool accounts at the end of Q4 increased by 8.3%. During the quarter, the total transaction volume of stored value payment tools slightly increased by 0.7%, while the total transaction amount decreased by 4.6%

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