Search: credit card
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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The Personal Credit Card Market in Australia: Pricing over the Past Decade
10 Mar 2012
Bulletin
– March 2012
Another development related to changes in the schemes' interchange fee schedules has been the introduction of a new credit card product: super-premium cards. ... Over time, credit card products with companion cards attached have increasingly replaced
https://www.rba.gov.au/publications/bulletin/2012/mar/7.html
Abstract for The Personal Credit Card Market in Australia: Pricing over the Past Decade
10 Mar 2012
Bulletin
– March 2012
Bulletin – March 2012 The Personal Credit Card Market in Australia: Pricing over the Past Decade Abstract. ... For example, over the past decade the effective price to cardholders for using a credit card has increased, encouraging the use of
https://www.rba.gov.au/publications/bulletin/2012/mar/bu-0312-7a.html
Merchant Service Fees for Credit Cards
10 Jul 2004
Bulletin
– July 2004
in fees (known as merchant service fees) that banks charge merchants for providing credit card facilities. ... Interchange fees on MasterCard and Visa cards issued overseas have not fallen and so merchants in that sector have not benefited as much from
https://www.rba.gov.au/publications/bulletin/2004/jul/2.html
Consumer Credit and Household Finances
10 Jun 1999
Bulletin
– June 1999
Debt outstanding on bank-issued credit cards has also grown strongly (Graph 4). ... Growth in credit card debt has been concentrated in credit cards with an interest-free period, suggesting that users are not seeking longer-term finance to make purchases
https://www.rba.gov.au/publications/bulletin/1999/jun/2.html
Attachment 2 | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations
10 Dec 2011
Consultations
ii. the average cost to the merchant of acceptance of a subset of Visa Debit cards issued under the Scheme which includes the type of credit card in relation to which ... 10. 11. Neither the rules of the Scheme, nor any participant in the Visa Debit
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/attachment-2.html
Attachment 1 | A Variation to the Surcharging Standards: A Consultation Document | Consultations
10 Dec 2011
Consultations
i. a merchant from recovering part or all of the reasonable cost of acceptance of credit cards issued under the Scheme by the merchant charging fees or surcharges to credit card ... ii. a merchant, in recovering part or all of the reasonable cost of
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/attachment-1.html
Bank Fees in Australia
25 Jan 2024
Bulletin
– January 2024
This article updates Reserve Bank research on bank fees charged to Australian households, businesses and government.
https://www.rba.gov.au/publications/bulletin/2024/jan/bank-fees-in-australia.html
Review of Card Surcharging: A Consultation Document | Consultations
7 Jun 2011
Consultations
REFORMS: Credit Cards; Debit Cards; The ATM System; ATM Fee Reforms; Review of Card Payment Systems Reforms; Account Switching; POLICY FRAMEWORK: Payments System Board; Core Principles for Systemically Important Payment Systems; Standards for
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/
Appendix A | The Australian Debit Card Market: Default Settings and Tokenisation – Conclusions Paper
28 Sep 2023
Consultations
The Australian Debit Card Market: Default Settings and Tokenisation – Conclusions Paper
https://www.rba.gov.au/publications/consultations/202306-issues-paper-australian-debit-card-market/conclusions-paper/appendix.html
Merchant Service Fees and Market Shares for Credit and Charge Cards
10 Aug 2005
Bulletin
– August 2005
The Bank has been collecting data on the value and number of credit card transactions in Australia since 1984 and broadened the collection to include charge cards in 2002. ... The data show that around 83 per cent of the value of purchases on credit and
https://www.rba.gov.au/publications/bulletin/2005/aug/2.html