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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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Literature

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
The two papers hypothesise a range of features for card payments methods, which include, where appropriate, record-keeping, privacy, float (deferred payment), access to a line of credit, rewards and ... First, we directly measure the value that consumers
https://www.rba.gov.au/publications/rdp/2015/2015-03/literature.html

Estimating Consumer Surplus under Various Surcharging Scenarios

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
Respondents who do not hold a credit card have their choice set limited to cash and debit cards. ... Table 7: Alternate Scenarios. All cardholders. Only credit cards surcharged. Arbitrary card surcharging.
https://www.rba.gov.au/publications/rdp/2015/2015-03/estimating-consumer-surplus-surcharging-scenarios.html

Distribution of Willingness to Pay for Card Payments

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
of the additional features of credit cards as a payment instrument for the sample of credit card holders. ... The role that credit card features play in influencing the willingness to pay for credit cards is depicted in Figure 3.
https://www.rba.gov.au/publications/rdp/2015/2015-03/distribution-willingness-pay-card-payments.html

References

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
Environmental and Resource Economics. , 19(2), pp 173–210. Ching AT and F Hayashi (2010), ‘Payment Card Rewards Programs and Consumer Payment Choice’,. ... Journal of Money, Credit and Banking. , 33(2, Part 1), pp 216–234.
https://www.rba.gov.au/publications/rdp/2015/2015-03/references.html