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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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A Variation to the Surcharging Standards: A Consultation Document – December 2011 | Consultations

10 Dec 2011 Consultations
This document provides background on surcharging practices in Australia and the current Standards it also discusses the various views from a public consultation and the Board's consideration of those views. The document also outlines the various
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/

Concerns about Surcharging Practices | Review of Card Surcharging: A Consultation Document June 2011 | Consultations

7 Jun 2011 Consultations
A related concern about surcharging that has been expressed by both industry participants and consumers is that there may sometimes be a lack of genuine payment alternatives where credit card surcharges ... Footnote. CHOICE (2010), CHOICE Report: Credit
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/concerns-surcharging-practices.html

Policy Options | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations

10 Dec 2011 Consultations
The Board, however, remains concerned that surcharges in excess of the cost of card acceptance, and the blending of surcharges for cards with differing acceptance costs (particularly at rates above the ... and Visa credit card systems, and the Visa Debit
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/policy-options.html

Policy Options and Discussion | Review of Card Surcharging: A Consultation Document June 2011 | Consultations

7 Jun 2011 Consultations
Under the first option, the Board could determine a specific permissible cap, possibly expressed as a percentage of the transaction value, for the designated MasterCard and Visa credit card systems, and ... What constitutes ‘reasonable’ in this case
https://www.rba.gov.au/publications/consultations/201106-review-card-surcharging/policy-options-discussion.html

Consultation on Changes to the Bank's Standards for Card Payment Systems | Consultations

3 Dec 2015 Consultations
Consultation on Changes to the Bank's Standards for Card Payment Systems
https://www.rba.gov.au/publications/consultations/201512-consultation-on-changes-to-the-banks-standards-for-card-payments-systems.html

Consultation | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations

10 Dec 2011 Consultations
Specifically, it has obtained confidential data from several acquirers on the distribution of merchant service fees for credit cards across their entire merchant books. ... The average surcharge for MasterCard and Visa credit card transactions from the
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/consultation.html

Background | A Variation to the Surcharging Standards: A Consultation Document December 2011 | Consultations

10 Dec 2011 Consultations
2, Merchant Pricing for Credit Card Purchases; and The ‘Honour All Cards’ Rule in the Visa Debit and the Visa Credit Card Systems and the ‘No Surcharge’ Rule in the Visa ... Paragraph 8 of the Standard titled The ‘Honour All Cards’ Rule in
https://www.rba.gov.au/publications/consultations/201112-variation-surcharging-standards/background.html

Some Emerging Issues | Dual-Network Cards and Mobile Wallet Technology – Consultation Paper – December 2016

10 Dec 2016 Consultations
Dual-Network Cards and Mobile Wallet Technology 4. Some Emerging Issues. Consultation Paper. ... Are the issues raised relevant only to dual-network debit cards or are they also relevant to so-called ‘combo cards’ with credit functionality from one
https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/some-emerging-issues.html

Background | Review of the Regulatory Framework for the EFTPOS System: Consultation on Options for Reform June 2012 | Consultations

8 Jun 2012 Consultations
Footnotes. Reserve Bank of Australia and Australian Competition and Consumer Commission (2000), Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access, October. ... scheme debit (MasterCard or Visa) systems (the cardholder
https://www.rba.gov.au/publications/consultations/201206-rev-reg-frmwrk-eftpos-sys/background.html

Innovation Gaps in the Australian Payments System | Strategic Review of Innovation in the Payments System: Issues for Consultation June…

7 Jun 2011 Consultations
In some cases, most notably contactless cards, transactions are processed ‘off-line’ (without checking funds/credit availability) up to a relatively low limit. ... For example, mobile PayPal may be funded by a linked deposit account, credit card or
https://www.rba.gov.au/publications/consultations/201106-strategic-review-innovation/issues/innovation-gaps.html