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RBA Glossary definition for credit card

credit card – A credit card is a card whose holder has been granted a revolving credit line. The card enables the holder to make purchases and/or cash advances up to a pre-arranged limit. The credit granted can be settled in full by the end of a specified period or in part, with the balance taken as extended credit. Interest may be charged on the transaction amounts from the date of each transaction or only on the extended credit where the credit granted has not been settled in full.

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Card Payments and the Retail Sector

28 Sep 2016 Speech
Malcolm Edey
Address delivered by Malcolm Edey, Assistant Governor (Financial System), to the AFR Retail Summit, Melbourne
https://www.rba.gov.au/speeches/2016/sp-ag-2016-09-28.html

Card Payments Regulation: From Wallis to Murray

21 May 2015 Speech
Malcolm Edey
Speech delivered by Malcolm Edey, Assistant Governor (Financial System), at the Cards & Payments Conference, Melbourne
https://www.rba.gov.au/speeches/2015/sp-ag-2015-05-21.html

Reform of Australia's Payments System: The 2007/08 Review

27 Jun 2007 Speech
Philip Lowe
Speech by Philip Lowe to the 4th International Consumer Credit Card Summit 2007, Sydney
https://www.rba.gov.au/speeches/2007/sp-ag-270607.html

Discontinued Data

9 Mar 2023 Statistics
This page provides links to data no longer updated by the Reserve Bank of Australia
https://www.rba.gov.au/statistics/discontinued-data.html

Competition and Regulation in the Card Payments Market

15 Mar 2010 Speech
Malcolm Edey
Speech by Malcolm Edey to Cards & Payments Australasia 2010, Sydney
https://www.rba.gov.au/speeches/2010/sp-ag-150310.html

Exclusion of Scheme Debit Transactions from Table C2: Explanatory Note

9 Mar 2023 Statistics
This is despite the fact that, as a debit product, scheme debit transactions were not subject to the credit card scheme reforms. ... These trends have diverged over recent years, with debit card payments – particularly scheme debit – continuing to
https://www.rba.gov.au/statistics/tables/exp-note/c2-note-120510.html

The Card Payments Review

12 May 2016 Speech
Malcolm Edey
Speech delivered by Malcolm Edey, Assistant Governor (Financial System), at the Cards & Payments Australia conference, Melbourne
https://www.rba.gov.au/speeches/2016/sp-ag-2016-05-12.html

Payment Systems Developments and Architecture: Some Background

27 Sep 2006 Speech
Philip Lowe
Background Paper ‘Payment Systems Developments and Architecture: Some Background’ to presentation to Australian Bankers' Association and Australian Payments Clearing Association Forum on 27 September 2006 in Sydney
https://www.rba.gov.au/speeches/2006/background-paper-270906.html

New Financial Statistics: The Value of Sound Data in Troubled Times

17 Sep 2020 Speech
Marion Kohler
Speech delivered by Marion Kohler, Head of Domestic Markets, to the Australian Financial Markets Association, Online
https://www.rba.gov.au/speeches/2020/sp-so-2020-09-17.html

What's on the Cards?

10 Dec 2019 Speech
Anthony Richards
Speech delivered by Tony Richards, Head of Payments Policy Department, Australian Payments Network Summit, Sydney
https://www.rba.gov.au/speeches/2019/sp-so-2019-12-10.html