中国信用卡行业正经历从规模驱动向精细化运营的转变。截至2026年6月末，全国信用卡及信贷合一卡在用发卡量为6.77亿张，较约四年前的历史高点8.07亿张下降1.3亿张 1。这一规模收缩反映出行业告别粗放扩张时代的现实。在此背景下，商业银行的业绩表现出现分化。南方周末新金融研究中心的"金标杆"测评显示，招商银行得分最高，为唯一超过80分的银行 1，且是国内商业银行中信用卡年度交易总额突破4万亿元的唯一代表 1。与之相比，48家银行信用卡信贷余额合计较上年末减少逾4000亿元，15家银行不良率均值达2.86%，较上年同期增加0.35个百分点 1。
在这种压力下，平安银行、上海银行和浦发银行实现信贷余额增长与不良率回落的逆势突围 1。银行业正从粗放补贴向精细化权益投放转变，权益设计呈现垂直化、差异化特征，多家银行推出宠物主题和AI主题信用卡 1。这一战略调整对接消费市场的真实需求：2025年城镇犬猫消费市场规模达3126亿元，同比增长4.1% 1；2026年国庆黄金周，县域旅游预订热度同比增长42% 1。银行已将目光聚焦于宠物消费、县域旅游等大众化场景。
China's credit card sector is undergoing a significant contraction as issuers shift strategy from aggressive expansion to refined operations and targeted customer management. As of June 2026, the total number of credit cards and integrated credit-debit cards in active use nationwide stood at 6.77 billion units, a decline of 1.3 billion cards from the historical peak of 8.07 billion approximately four years earlier 1.
The industry landscape reveals stark performance divergence among leading institutions. In the 2026 "Gold Standard" assessment conducted by Southern Weekly's New Finance Research Center evaluating 58 banks, China Merchants Bank achieved the highest score, surpassing 80 points as the only institution to do so 1. China Merchants Bank also stands as the sole domestic commercial bank whose credit card annual transaction volume has exceeded 4 trillion yuan 1. Meanwhile, Ping An Bank, Shanghai Bank, and Pufa Bank managed the counterintuitive feat of simultaneously expanding credit balances while reducing non-performing loan rates in mid-2026 1. However, headwinds persist across the sector: 48 banks collectively saw credit card credit balances shrink by over 400 billion yuan compared to year-end 2025, while the average non-performing loan rate among 15 banks climbed to 2.86%, up 0.35 percentage points from the prior year 1.
Banks are now redirecting resources toward specialized, consumer-centric benefits rather than broad premium perks. The urban pet consumption market reached 312.6 billion yuan in 2025, growing 4.1% year-on-year 1, while county-level tourism reservations surged 42% year-on-year during the 2026 National Day Golden Week 1. Multiple banks have introduced pet-themed and AI-themed credit cards, reflecting a shift toward vertically-segmented and differentiated benefit offerings 1.
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