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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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Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases
9 Oct 2018
RDP
2018-11
Research Discussion Paper – RDP 2018-11 Consumer Credit Card Choice: Costs, Benefits and Behavioural Biases. ... debt, households, interest rates, money, payments. The credit card market offers consumers a wide range of options when choosing a card.
https://www.rba.gov.au/publications/rdp/2018/2018-11.html
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Appendix C: Credit Card Holding and Rewards Program Membership
11 Sep 2015
RDP
2015-03
RDP 2015-03: The Value of Payment Instruments: Estimating Willingness to Pay and Consumer Surplus Appendix C: Credit Card Holding and Rewards Program Membership. ... Holds a credit card. Member of rewards program. Coefficient. Marginal effect.
https://www.rba.gov.au/publications/rdp/2015/2015-03/appendix-c.html
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Payment Cards
8 Aug 2017
RDP
2017-04
Since the 2013 survey, the share of debit card payments has increased by slightly more than that of credit cards (6 percentage points compared with 3 percentage points). ... Figure 6: Why Hold a Credit Card? Most important reason, by age, 2016.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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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
Modelling Consumer Payment Behaviour for Australia
1 Jul 2009
RDP
2009-04
However, while cash and debit cards are held by almost all consumers, many do not have a credit card. ... These cards are aimed at revolver consumers, who represent around 34 per cent of credit card holders.
https://www.rba.gov.au/publications/rdp/2009/2009-04/modelling-consumer-payment-behaviour-australia.html
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Private Net Costs
31 Dec 2014
RDP
2014-14
complimentary insurance) that credit cards offer (although this is before taking into account interest payments for customers who carry a balance on their credit card). ... For merchants, the private costs of credit cards are lower for card-present
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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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
Card Payments
27 Nov 2023
RDP
2023-08
The increase in card usage over the last decade has reflected greater use of both debit and credit cards. ... 2019. 2022. All card payments. 4.7. 7.3. Credit cards. 5.5. 7.3.
https://www.rba.gov.au/publications/rdp/2023/2023-08/card-payments.html
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