Based on the provided data, the number of cards with a payment function in Brazil has oscillated but maintained an overall upward trajectory from 2013 to 2023, reaching 536 million units in 2023. The year-on-year growth for 2023 was 1.55%, and the compound annual growth rate (CAGR) over the last five years stood at 1.67%. The forecasted data suggest a continued, albeit slower, growth with a five-year CAGR projected at 1.1%, translating to a total growth rate of 5.62% by 2028.

Future trends to watch for:

Increased adoption of contactless payment methods.
Emergence of digital wallets and their integration with payment cards.
Impact of fintech innovations and regulations on card usage.
Potential shifts in consumer behavior due to economic factors and technological advancements.