2 Aug 2026

Total granted credit limits across Fintech Farm’s markets have exceeded $500 million.

Growth in credit limits is a leading indicator of loan portfolio growth, as customers draw on their available credit gradually and utilisation typically follows with a lag.

Most credit utilisation is currently through credit cards. However, instalment-based products — including equated monthly instalment (EMI) plans and buy now, pay later (BNPL) — are increasingly contributing to the mix.

We continually work to make our credit products clear, intuitive and easy to use. For many customers, this is their first credit card, so we place particular emphasis on taking them through the credit journey, in particular helping them understand how it works and what borrowing costs are.