【Luxury Card | Survey on Consumption Trends of the New Affluent】Membership Records Largest Ever Increase, Driven by Younger Generations and Regional Growth. Latest Survey Announces AI Usage, Overseas Travel Spending Amidst Yen Depreciation, and Expansion of Corporate Payments.
Luxury Card announced its survey on the consumption trends of the new affluent in 2025. Membership recorded its largest ever increase at 134% year-on-year, with notable growth among younger generations and in regional areas. The survey also revealed a surge in AI utilization and robust overseas travel spending despite the yen's depreciation.
📋 Article Processing Timeline
- 📰 Published: April 21, 2026 at 20:00
- 🔍 Collected: April 23, 2026 at 02:01 (30h 1m after Published)
- 🤖 AI Analyzed: April 23, 2026 at 06:07 (4h 5m after Collected)
Luxury Card (Japan Headquarters: Chiyoda-ku, Tokyo; Representative: Nozomu Kikuchi), a premium credit card brand that was the first in Japan to adopt Mastercard®'s highest tier "World Elite" and has built solid support primarily among business owners and younger affluent individuals through its unique experiential value that enriches lifestyles, announced its "2025 Consumption Trends of the New Affluent," which analyzes Luxury Card usage trends.
Announcement Summary
When handling the content of this announcement, please be sure to specify 【According to Luxury Card Survey】.
●Trends from New Members in 2025
・The number of new members increased by 134% year-on-year, recording the largest increase ever.
・Enrollment of individuals in their 20s increased. Penetration beyond business owners also progressed, indicating a growing interest in premium cards among younger generations.
・The segment with an annual income of 30 million JPY or more also increased. Business owners accounted for nearly 90%, showing steady growth among business owners and high-income earners.
・Membership and usage also grew in regional areas, indicating that interest in Luxury Card is spreading from urban centers to local regions.
●Consumption Trends from Card Transaction Volume
・Transaction volume also showed a double-digit increase year-on-year. Consumption by the affluent continues to be robust.
・By merchant category, B2B advertising and payment services were prominent among the top transaction amounts, indicating continued business expansion and penetration of card payments.
・Overseas in-person payment amounts increased significantly by 131% year-on-year. Despite the yen's depreciation, consumer intent for overseas travel remains high.
・Transaction volume at merchants in domestic airport facilities increased by 146% year-on-year. Usage in regional cities also grew, suggesting a revitalization of domestic travel demand.
●Characteristic Consumption Trends from Specific Categories
・OpenAI transaction volume grew rapidly by 542% year-on-year. Active AI utilization is progressing, primarily among business owners.
・Usage of GO and Uber Eats increased in both amount and frequency among members with higher incomes, indicating a value placed on time performance.
＜Survey Overview＞
【Luxury Card Usage Data Survey】
Survey period: January 1, 2025 - December 31, 2025
Target: Luxury Card (Titanium Card, Black Card, Gold Card, Black Diamond) during the period, excluding partner cards. *Number of individuals not disclosed.
Overall Luxury Card Member Attributes
・Age
Younger and middle-aged individuals in their 20s to 40s constitute the majority.
・Occupation
Business owners (executives, company officers, self-employed, etc.) account for over 60%.
Trends from New Members in 2025
●The number of new members increased by 134% year-on-year, recording the largest increase ever.
●Enrollment of individuals in their 20s increased. Penetration beyond business owners also progressed, indicating a growing interest in premium cards among younger generations.
Among new members, enrollment of individuals in their 20s showed a particularly increasing trend, with the rate of increase expanding year by year.
By occupation, while business owners still constitute a large portion, penetration among non-business owners such as "sales/marketing," "technical/specialized," and "administrative/managerial" roles has progressed.
It is also characteristic that a certain number of high-income earners with annual incomes of 30 million JPY or more exist among those in their 20s, with approximately 80% of them being business owners. Furthermore, about 30% of high-income earners, primarily, choose high-rank cards such as the Black Card (annual fee 110,000 JPY, including tax) or higher.
These results indicate that while interest in premium cards is spreading among individuals in their 20s regardless of profession, high-income earners continue to be primarily business owners, showing diversification even within the younger affluent segment.
●The segment with an annual income of 30 million JPY or more also increased. Business owners accounted for nearly 90%, showing steady growth among business owners and high-income earners.
Among new members by annual income, the segment with an annual income of 30 million JPY or more increased by 137% year-on-year.
Approximately 90% of them are business owners, and there is a tendency for many members to have spouses and children (81% with spouses, 73% with children).
Support from business owners and high-income earners, who account for over 60% of all members, remains high, showing steady growth.
●Membership of regional residents also increased. Many regions showed similar growth rates to urban areas.
It appears that interest in Luxury Card is also growing among business owners and affluent individuals in regional areas.
While urban areas like Tokyo and Osaka prefectures have a large number of members, the membership growth rate is not necessarily higher only in urban areas. Several prefectures in regional areas, such as Miyazaki (167% year-on-year), Okinawa (159%), Aomori (155%), Ehime (154%), Gunma (153%), and Hyogo (151%), showed membership growth rates exceeding 150% year-on-year. This suggests that while latent demand for premium cards has always existed in regional areas, the concentration of benefits and services in urban areas was a barrier to adoption. In recent years, with the expansion of travel-related services and usage scenarios, the "meaning of owning" the card has become easier to convey in regional areas, potentially leading to the materialization of previously latent demand.
Announcement Summary
When handling the content of this announcement, please be sure to specify 【According to Luxury Card Survey】.
●Trends from New Members in 2025
・The number of new members increased by 134% year-on-year, recording the largest increase ever.
・Enrollment of individuals in their 20s increased. Penetration beyond business owners also progressed, indicating a growing interest in premium cards among younger generations.
・The segment with an annual income of 30 million JPY or more also increased. Business owners accounted for nearly 90%, showing steady growth among business owners and high-income earners.
・Membership and usage also grew in regional areas, indicating that interest in Luxury Card is spreading from urban centers to local regions.
●Consumption Trends from Card Transaction Volume
・Transaction volume also showed a double-digit increase year-on-year. Consumption by the affluent continues to be robust.
・By merchant category, B2B advertising and payment services were prominent among the top transaction amounts, indicating continued business expansion and penetration of card payments.
・Overseas in-person payment amounts increased significantly by 131% year-on-year. Despite the yen's depreciation, consumer intent for overseas travel remains high.
・Transaction volume at merchants in domestic airport facilities increased by 146% year-on-year. Usage in regional cities also grew, suggesting a revitalization of domestic travel demand.
●Characteristic Consumption Trends from Specific Categories
・OpenAI transaction volume grew rapidly by 542% year-on-year. Active AI utilization is progressing, primarily among business owners.
・Usage of GO and Uber Eats increased in both amount and frequency among members with higher incomes, indicating a value placed on time performance.
＜Survey Overview＞
【Luxury Card Usage Data Survey】
Survey period: January 1, 2025 - December 31, 2025
Target: Luxury Card (Titanium Card, Black Card, Gold Card, Black Diamond) during the period, excluding partner cards. *Number of individuals not disclosed.
Overall Luxury Card Member Attributes
・Age
Younger and middle-aged individuals in their 20s to 40s constitute the majority.
・Occupation
Business owners (executives, company officers, self-employed, etc.) account for over 60%.
Trends from New Members in 2025
●The number of new members increased by 134% year-on-year, recording the largest increase ever.
●Enrollment of individuals in their 20s increased. Penetration beyond business owners also progressed, indicating a growing interest in premium cards among younger generations.
Among new members, enrollment of individuals in their 20s showed a particularly increasing trend, with the rate of increase expanding year by year.
By occupation, while business owners still constitute a large portion, penetration among non-business owners such as "sales/marketing," "technical/specialized," and "administrative/managerial" roles has progressed.
It is also characteristic that a certain number of high-income earners with annual incomes of 30 million JPY or more exist among those in their 20s, with approximately 80% of them being business owners. Furthermore, about 30% of high-income earners, primarily, choose high-rank cards such as the Black Card (annual fee 110,000 JPY, including tax) or higher.
These results indicate that while interest in premium cards is spreading among individuals in their 20s regardless of profession, high-income earners continue to be primarily business owners, showing diversification even within the younger affluent segment.
●The segment with an annual income of 30 million JPY or more also increased. Business owners accounted for nearly 90%, showing steady growth among business owners and high-income earners.
Among new members by annual income, the segment with an annual income of 30 million JPY or more increased by 137% year-on-year.
Approximately 90% of them are business owners, and there is a tendency for many members to have spouses and children (81% with spouses, 73% with children).
Support from business owners and high-income earners, who account for over 60% of all members, remains high, showing steady growth.
●Membership of regional residents also increased. Many regions showed similar growth rates to urban areas.
It appears that interest in Luxury Card is also growing among business owners and affluent individuals in regional areas.
While urban areas like Tokyo and Osaka prefectures have a large number of members, the membership growth rate is not necessarily higher only in urban areas. Several prefectures in regional areas, such as Miyazaki (167% year-on-year), Okinawa (159%), Aomori (155%), Ehime (154%), Gunma (153%), and Hyogo (151%), showed membership growth rates exceeding 150% year-on-year. This suggests that while latent demand for premium cards has always existed in regional areas, the concentration of benefits and services in urban areas was a barrier to adoption. In recent years, with the expansion of travel-related services and usage scenarios, the "meaning of owning" the card has become easier to convey in regional areas, potentially leading to the materialization of previously latent demand.