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RBA Glossary definition for debit card

debit card – A debit card is a card that enables the holder to access funds in a deposit account at an authorised deposit-taking institution.

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Valuing Safety and Privacy in Retail Central Bank Digital Currency

11 Apr 2024 RDP 2024-02
Zan Fairweather, Denzil Fiebig, Adam Gorajek, Rochelle Guttmann, June Ma and Jack Mulqueeney
People would be able to access their money using mobile phones, computers, or cards, just like they can at other banks already offering bank accounts. ... The survey asked 9,100 Australians to join via random phone number dialling and they were
https://www.rba.gov.au/publications/rdp/2024/2024-02/full.html
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Card Payments

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
More recently, in response to the pandemic, banks sent debit cards to Australian account holders who did not have a linked debit card (e.g. ... Debit cards. 4.3. 7.3. Reward cardholder status. Owns a rewards card.
https://www.rba.gov.au/publications/rdp/2023/2023-08/card-payments.html
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Consumer Payment Behaviour in Australia: Evidence from the 2019 Consumer Payments Survey

14 Sep 2020 RDP 2020-06
James Caddy, Luc Delaney and Chay Fisher
The decline in the popularity of credit cards compared to debit cards is consistent with changes in consumers' perceptions of the benefits of holding a credit card. ... All card payments. 3.9. Credit cards. 5.0. Debit cards. 3.4. Reward cardholder status.
https://www.rba.gov.au/publications/rdp/2020/2020-06/full.html
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Where's the Money? An Investigation into the Whereabouts and Uses of Australian Banknotes

1 Dec 2018 RDP 2018-12
Richard Finlay, Andrew Staib and Max Wakefield
Data from the CPS show a steady shift away from cash as a means of payment over the past decade, driven by an increasing use of cards (credit and debit) to ... Figure 11: Estimates of Cash Spending. Monthly. Notes: Card payments includes payments made by
https://www.rba.gov.au/publications/rdp/2018/2018-12/full.html
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Literature

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
and the offer of rewards points provide monetary incentives for consumers to use credit cards instead of alternative payment methods, such as debit cards or cash; in most other respects, credit ... In addition to potential practical barriers to switching
https://www.rba.gov.au/publications/rdp/2018/2018-11/literature.html
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Payment Cards

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
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 5: Debit Card Payments by Age. Per cent of number of card payments, 2016.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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Willingness to Pay for the Use of Credit Card Features

11 Sep 2015 RDP 2015-03
Tai Lam and Crystal Ossolinski
As a crosscheck of the results, we also present the equivalent regression on the willingness to pay for debit cards (where the card feature variables are the respondent's credit card ... Two additional results are of interest. Premium card holders were
https://www.rba.gov.au/publications/rdp/2015/2015-03/willingness-pay-use-credit-card-features.html
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A Structural Model of Counterfeiting and Methods of Payment

11 Sep 2015 RDP 2015-05
Nathan Viles, Alexandra Rush and Thomas Rohling
The stock of bank deposits is included to capture the effect of counterfeiting on debit card and eftpos payments. ... data. Deposit account transactions could be made using a proprietary debit card (e.g.
https://www.rba.gov.au/publications/rdp/2015/2015-05/structural-model-counterfeiting-methods-payment.html
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Private Net Costs

31 Dec 2014 RDP 2014-14
Chris Stewart, Iris Chan, Crystal Ossolinski, David Halperin and Paul Ryan
Although credit cards have a higher social cost than debit cards, the private net cost to consumers is similar; credit card costs being greatly reduced by the interest-free period, reward ... For MasterCard & Visa credit card payments, the net transfer
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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Cards

31 Dec 2014 RDP 2014-05
Crystal Ossolinski, Tai Lam and David Emery
Similarly, households in the first and second age-adjusted household income quartiles made considerably more payments using debit cards than credit cards. ... to have contributed to the greater debit card use by lower-income respondents.
https://www.rba.gov.au/publications/rdp/2014/2014-05/cards.html
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