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Insight Report: Best Practice in the Reward Credit Card Sector
On 11
th
July 2014
Summary :
Banks are increasingly using rewards and loyalty programs as a tool for maintaining relationships with
top-end customers, as these relationships provide high potential for revenue generation. Financial
institutions are putting forward premium experiences and offers to increase loyalty and develop deeper
banking relationships. Rightly positioned, unique rewards act as a key differentiator in a highly
commoditized financial services market.
To remain profitable, banks have been making changes to their strategies and operational models which
includes finding the optimum mix of funding options and reward offerings to achieve greater levels of
customer loyalty and profitability. Both issuers and card schemes are partnering with airlines, hotels and
popular brands to offer merchant-funded rewards. The strategy allows card issuers to improve the value
of their reward credit cards without putting upward pressure on costs.
Consumers are traveling more than ever, and forecasts for outbound trips indicate that this trend will
continue over the next five years in key economies. Consequently, card issuers and schemes offer credit
cards that focus on travel benefits to increase customer retention and attract new customers. Travel
credit card customers are often offered lounge access at airports, free or heavily discounted air tickets,
preferential treatment at hotels and resorts, free valet parking, discounted limousine services, and
insurance cover that ranges from travel accident to lost and delayed baggage, to trip cancellation.
There is increased investment in customer engagement strategies. Schemes and issuers are offering
personal concierge services on their top-end credit cards, or access to exclusive events to differentiate
their products. Issuers are also expanding their presence on social media and mobile platforms through
various apps to drive brand loyalty. The increasing popularity of social media and smartphones also
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allows card issuers opportunities to enhance their marketing efforts while keeping costs low. In addition,
customer check-ins at various locations using smartphones has opened up opportunities for a more
targeted marketing effort that saves issuers resources, while providing more relevant deals and offers to
customers.
Scope :
This report covers the market size of credit cards in six key markets.
This report provides a comparative analysis of benefits and services offered by over 80 reward credit
cards in key markets.
It covers key business drivers for card issuers to issue reward credit cards for various customer
segments.
It covers key strategies adopted by card issuers for the six countries covered in the report.
It also provides case studies based on best practices adopted by the card issuers in these countries.
Synopsis :
The report provides insights into reward credit cards offered to customers in key markets:
It provides a global snapshot of current market dynamics for reward credit cards and their future
outlook.
It provides insights into the key factors driving increased focus on rewards and loyalty programs.
It provides insights into best practices and key strategies adopted by card issuers in key card markets.
It provides information on value-added features offered by different types of credit card to attract
customers.
It provides case examples which highlight the successful implementation of best practices and strategies
in key markets.
Reasons To Buy :
Gain insights into market potential for reward credit cards in six key markets.
Gain insights into the product strategies of card issuers in key markets.
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Gain insights into current and future sector dynamics for reward credit cards.
Understand emerging trends and drivers to streamline product offerings.
Key Highlights :
Consumers are moving away from conspicuous consumption to more considered consumption, and
access to special or unique experiences through their card has gained importance. In this altered
environment, banks and other card issuers are adopting various strategies to decrease operating costs
and increase revenue potential.
Banks and other card issuers are increasingly focusing on credit cards designed to target mass affluent
consumers driven by the relatively high profitability offered by this segment. At times, banks may run
the cards at a loss, but benefit from the rest of their relationships with clients through deposits,
investments, savings, mortgages, and asset and wealth management, among others.
Card issuers have increased their focus on issuing credit cards with travel benefits. Many issuers across
the world, including Bank of America, Chase, Citibank, HSBC, Commonwealth Bank, Lloyds, Capital One,
Hyundai Cards, Samsung Cards and Amex, among others, issue premium cards which specifically focus
on travel-related services.
Banks and other card issuers are expanding their operations on social networks through partnerships
with merchants such as retailers, restaurants, leisure centers and travel operators. The partnerships
provide opportunities to engage customers through additional content, offers and discounts. These
expansionary moves are driven by a desire to improve consumer offerings and increase revenues.
Bank-funded reward and loyalty programs have increased cost burdens for issuers. Banks and card
issuers have introduced similar loyalty programs which have become almost indistinguishable. This has
compelled banks to carry out other expensive promotional initiatives to set themselves apart.
Consequently, issuers are moving towards merchant-funded loyalty programs to lower their operating
costs.
Table Of Contents:
1 PEER LIST
2 Competitive Analysis
3 Company Profile: East Japan Railway Company
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3.1 East Japan Railway Company - Company Overview
3.2 East Japan Railway Company - Business Description
3.3 East Japan Railway Company - Major Products and Services
3.4 East Japan Railway Company - History
3.5 East Japan Railway Company - SWOT Analysis
3.6 East Japan Railway Company - Company Information
3.7 East Japan Railway Company - Locations and Subsidiaries
3.8 East Japan Railway Company - Financial Ratios
4 Company Profile: Union Pacific Corporation
4.1 Union Pacific Corporation - Company Overview
4.2 Union Pacific Corporation - Business Description
4.3 Union Pacific Corporation - Major Products and Services
4.4 Union Pacific Corporation - History
4.5 Union Pacific Corporation - SWOT Analysis
4.6 Union Pacific Corporation - Company Information
4.7 Union Pacific Corporation - Subsidiaries
4.8 Union Pacific Corporation - Financial Ratios
5 Company Profile: Central Japan Railway Company
5.1 Central Japan Railway Company - Company Overview
5.2 Central Japan Railway Company - Business Description
5.3 Central Japan Railway Company - Major Products and Services
5.4 Central Japan Railway Company - History
5.5 Central Japan Railway Company - SWOT Analysis
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5.6 Central Japan Railway Company - Company Information
5.7 Central Japan Railway Company - Locations and Subsidiaries
5.8 Central Japan Railway Company - Financial Ratios
6 Company Profile: West Japan Railway Company
6.1 West Japan Railway Company - Company Overview
6.2 West Japan Railway Company - Business Description
6.3 West Japan Railway Company - Major Products and Services
6.4 West Japan Railway Company - History
6.5 West Japan Railway Company - SWOT Analysis
6.6 West Japan Railway Company - Company Information
6.7 West Japan Railway Company - Subsidiaries
6.8 West Japan Railway Company - Financial Ratios
7 Company Profile: CSX Corporation
7.1 CSX Corporation - Company Overview
7.2 CSX Corporation - Business Description
7.3 CSX Corporation - Major Products and Services
7.4 CSX Corporation - History
7.5 CSX Corporation - SWOT Analysis
7.6 CSX Corporation - Company Information
7.7 CSX Corporation - Subsidiaries
7.8 CSX Corporation - Financial Ratios
8 Company Profile: Norfolk Southern Corporation
8.1 Norfolk Southern Corporation - Company Overview
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8.2 Norfolk Southern Corporation - Business Description
8.3 Norfolk Southern Corporation - Major Products and Services
8.4 Norfolk Southern Corporation - History
8.5 Norfolk Southern Corporation - SWOT Analysis
8.6 Norfolk Southern Corporation - Company Information
8.7 Norfolk Southern Corporation - Subsidiaries
8.8 Norfolk Southern Corporation - Financial Ratios
9 Company Profile: Canadian National Railway Company
9.1 Canadian National Railway Company - Company Overview
9.2 Canadian National Railway Company - Business Description
9.3 Canadian National Railway Company - Major Products and Services
9.4 Canadian National Railway Company - History
9.5 Canadian National Railway Company - SWOT Analysis
9.6 Canadian National Railway Company - Company Information
9.7 Canadian National Railway Company - Locations and Subsidiaries
9.8 Canadian National Railway Company - Financial Ratios
10 Company Profile: Deutsche Bahn AG
10.1 Deutsche Bahn AG - Company Overview
10.2 Deutsche Bahn AG - Business Description
10.3 Deutsche Bahn AG - Major Products and Services
10.4 Deutsche Bahn AG - History
10.5 Deutsche Bahn AG - SWOT Analysis
10.6 Deutsche Bahn AG - Company Information
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10.7 Deutsche Bahn AG - Locations and Subsidiaries
11 Company Profile: Rossiiskie Zheleznye Dorogi OAO
11.1 Rossiiskie Zheleznye Dorogi OAO - Company Overview
11.2 Rossiiskie Zheleznye Dorogi OAO - Business Description
11.3 Rossiiskie Zheleznye Dorogi OAO - Major Products and Services
11.4 Rossiiskie Zheleznye Dorogi OAO - History
11.5 Rossiiskie Zheleznye Dorogi OAO - SWOT Analysis
11.6 Rossiiskie Zheleznye Dorogi OAO - Company Information
11.7 Rossiiskie Zheleznye Dorogi OAO - Subsidiaries and Locations
12 Company Profile: Indian Railways
12.1 Indian Railways - Company Overview
12.2 Indian Railways - Business Description
12.3 Indian Railways - Major Products and Services
12.4 Indian Railways - History
12.5 Indian Railways - SWOT Analysis
12.6 Indian Railways - Company Information
12.7 Indian Railways - Subsidiaries and Locations
13 Appendix
List of Tables :
Table 1: Global Top 10 Railway Companies - Peer List
Table 2: East Japan Railway Company - Key Facts
Table 3: East Japan Railway Company - Major Products and Services
Table 4: East Japan Railway Company - History
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Table 5: East Japan Railway Company - Key Employees
Table 6: East Japan Railway Company - Locations and Subsidiaries
Table 7: East Japan Railway Company - Capital Market Ratios
Table 8: East Japan Railway Company - Annual Ratios
Table 9: East Japan Railway Company - Key Interim Ratios
Table 10: Union Pacific Corporation - Key Facts
Table 11: Union Pacific Corporation - Major Products and Services
Table 12: Union Pacific Corporation - History
Table 13: Union Pacific Corporation - Key Employees
Table 14: Union Pacific Corporation - Key Employee Biographies
Table 15: Union Pacific Corporation - Subsidiaries
Table 16: Union Pacific Corporation - Capital Market Ratios
Table 17: Union Pacific Corporation - Annual Ratios
Table 18: Union Pacific Corporation - Key Interim Ratios
Table 19: Central Japan Railway Company - Key Facts
Table 20: Central Japan Railway Company - Major Products and Services
Table 21: Central Japan Railway Company - History
Table 22: Central Japan Railway Company - Key Employees
Table 23: Central Japan Railway Company - Key Employee Biographies
Table 24: Central Japan Railway Company - Locations and Subsidiaries
Table 25: Central Japan Railway Company - Capital Market Ratios
Table 26: Central Japan Railway Company - Annual Ratios
Table 27: Central Japan Railway Company - Key Interim Ratios
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Table 28: West Japan Railway Company - Key Facts
Table 29: West Japan Railway Company - Major Products and Services
Table 30: West Japan Railway Company - History
Table 31: West Japan Railway Company - Key Employees
Table 32: West Japan Railway Company - Key Employee Biographies
Table 33: West Japan Railway Company - Subsidiaries
Table 34: West Japan Railway Company - Capital Market Ratios
Table 35: West Japan Railway Company - Annual Ratios
Table 36: West Japan Railway Company Key Ratios - Interim
Table 37: CSX Corporation - Key Facts
Table 38: CSX Corporation - Major Products and Services
Table 39: CSX Corporation - History
Table 40: CSX Corporation - Key Employees
Table 41: CSX Corporation - Key Employee Biographies
Table 42: CSX Corporation - Subsidiaries
Table 43: CSX Corporation - Capital Market Ratios
Table 44: CSX Corporation - Annual Ratios
Table 45: CSX Corporation Key Interim Ratios
Table 46: Norfolk Southern Corporation - Key Facts
Table 47: Norfolk Southern Corporation - Major Products and Services
Table 48: Norfolk Southern Corporation - History
Table 49: Norfolk Southern Corporation - Key Employees
Table 50: Norfolk Southern Corporation - Key Employee Biographies
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Table 51: Norfolk Southern Corporation - Subsidiaries
Table 52: Norfolk Southern Corporation - Key Capital Market Indicators
Table 53: Norfolk Southern Corporation - Annual Ratios
Table 54: Norfolk Southern Corporation Key Interim Ratios
Table 55: Canadian National Railway Company - Key Facts
Table 56: Canadian National Railway Company - Major Products and Services
Table 57: Canadian National Railway Company - History
Table 58: Canadian National Railway Company - Key Employees
Table 59: Canadian National Railway Company - Key Employee Biographies
Table 60: Canadian National Railway Company - Locations and Subsidiaries
Table 61: Canadian National Railway Company - Key Capital Market Indicators
Table 62: Canadian National Railway Company - Annual Ratios
Table 63: Canadian National Railway Company Key Interim Ratios
Table 64: Deutsche Bahn AG - Key Facts
Table 65: Deutsche Bahn AG - Major Products and Services
Table 66: Deutsche Bahn AG - History
Table 67: Deutsche Bahn AG - Key Employees
Table 68: Deutsche Bahn AG - Key Employee Biographies
Table 69: Deutsche Bahn AG - Locations and Subsidiaries
Table 70: Rossiiskie Zheleznye Dorogi OAO - Key Facts
Table 71: Rossiiskie Zheleznye Dorogi OAO - Major Products and Services
Table 72: Rossiiskie Zheleznye Dorogi OAO - History
Table 73: Rossiiskie Zheleznye Dorogi OAO - Key Employees
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Table 74: Rossiiskie Zheleznye Dorogi OAO - Key Employee Biographies
Table 75: Rossiiskie Zheleznye Dorogi OAO - Subsidiaries and Locations
Table 76: Indian Railways - Key Facts
Table 77: Indian Railways - Major Products and Services
Table 78: Indian Railways - History
Table 79: Indian Railways - Key Employees
Table 80: Indian Railways - Subsidiaries and Locations
List of Figures :
Figure 1: Global Top 10 Railway Companies - Revenue and Operating Margin (2012)
Figure 2: Global Top 10 Railway Companies - Liquidity (2012)
Figure 3: Global Top 10 Railway Companies - Valuation (2012)
Figure 4: Global Top 10 Railway Companies - Turnover: Inventory and Asset (2012)
Figure 5: Global Top 10 Railway Companies - Market Capitalization
Figure 6: East Japan Railway Company - Revenue and Operating Profit
Figure 7: East Japan Railway Company - Solvency
Figure 8: East Japan Railway Company - Valuation
Figure 9: East Japan Railway Company - Assets and Liabilities
Figure 10: East Japan Railway Company - Net Debt Vs Gearing Ratio
Figure 11: Union Pacific Corporation - Revenue and Operating Profit
Figure 12: Union Pacific Corporation - Solvency
Figure 13: Union Pacific Corporation - Valuation
Figure 14: Union Pacific Corporation - Assets and Liabilities
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Figure 15: Union Pacific Corporation - Net Debt Vs Gearing Ratio
Figure 16: Central Japan Railway Company - Revenue and Operating Profit
Figure 17: Central Japan Railway Company - Solvency
Figure 18: Central Japan Railway Company - Valuation
Figure 19: Central Japan Railway Company - Assets and Liabilities
Figure 20: Central Japan Railway Company - Valuation
Figure 21: West Japan Railway Company - Revenue and Operating Profit
Figure 22: West Japan Railway Company - Solvency
Figure 23: West Japan Railway Company - Valuation
Figure 24: West Japan Railway Company - Assets and Liabilities
Figure 25: West Japan Railway Company - Net Debt Vs Gearing Ratio
Figure 26: CSX Corporation - Revenue and Operating Profit
Figure 27: CSX Corporation - Solvency
Figure 28: CSX Corporation - Valuation
Figure 29: CSX Corporation - Assets and Liabilities
Figure 30: CSX Corporation - Net Debt Vs Gearing Ratio
Figure 31: Norfolk Southern Corporation - Revenue and Operating Profit
Figure 32: Norfolk Southern Corporation - Solvency
Figure 33: Norfolk Southern Corporation - Valuation
Figure 34: Norfolk Southern Corporation - Assets and Liabilities
Figure 35: Norfolk Southern Corporation - Net Debt Vs Gearing Ratio
Figure 36: Canadian National Railway Company - Revenue and Operating Profit
Figure 37: Canadian National Railway Company - Solvency
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Figure 38: Canadian National Railway Company - Valuation
Figure 39: Canadian National Railway Company - Assets and Liabilities
Figure 40: Canadian National Railway Company - Net Debt Vs Gearing Ratio
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