近期多家银行密集发布公告调整高端信用卡权益。仅在今年7月招商银行、光大银行、汇丰银行(中国)等多家银行官宣部分高端信用卡

智通财经
Aug 03, 2025
近期多家银行密集发布公告调整高端信用卡权益。仅在今年7月招商银行、光大银行、汇丰银行(中国)等多家银行官宣部分高端信用卡产品权益及活动更新如提高使用门槛、调整适用范围等。而在此之前农业银行、浦发银行、广发银行等也发布过相关公告。“招行的此次调整不仅仅是从磁条卡到芯片卡的技术迭代更凸显了银行在压力下寻求平衡的努力。”南开大学金融学教授田利辉在接受记者采访时表示。“信用卡市场进入存量竞争时代发卡量增速下滑、获客成本升高成为普遍现象;同时一直以来信用卡业务的盈利主要依赖于刷卡手续费、利息收入等盈利模式相对单一。”博通咨询资深分析师王蓬博分析认为银行密集缩减旗下信用卡权益在一定程度上反映出银行信用卡部门的盈利压力较大。(金融时报)。

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