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RBA Glossary definition for card issuer

card issuer – An institution that provides its customers with debit or credit cards.

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The Personal Credit Card Market in Australia: Pricing over the Past Decade

10 Mar 2012 Bulletin – March 2012
Iris Chan, Sophia Chong and Stephen Mitchell
cardholder. Sources: RBA; credit card issuers' websites. Reward points for merchant-branded four-party platinum cards are more generous than the bank-branded platinum cards: the cardholder needs to spend around ... More recently, card schemes have
https://www.rba.gov.au/publications/bulletin/2012/mar/7.html

Card Payments

27 Nov 2023 RDP 2023-08
Tanya Livermore, Jack Mulqueeney, Thuong Nguyen and Benjamin Watson
functionality combined with most card issuers supporting the storage of their cards in mobile wallets (such as those provided by Apple, Google and Samsung). ... Besides consumer demand for convenience, the rise of contactless payments in Australia has
https://www.rba.gov.au/publications/rdp/2023/2023-08/card-payments.html
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A Guide to the Card Payments System Reforms

10 Sep 2010 Bulletin – September 2010
Michele Bullock
So for a $100 transaction, a card issuer would receive a payment of $1 from the merchant's bank. ... The higher the fee, the more attractive it is to issue cards and the more benefits the card issuer can offer cardholders to use the cards.
https://www.rba.gov.au/publications/bulletin/2010/sep/7.html

Payment Cards

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
the cards that they held, rather than selecting the type of card (i.e. ... amenable to using this method of payment if, for example, they had access to the appropriate technology and card issuer.
https://www.rba.gov.au/publications/rdp/2017/2017-04/payment-cards.html
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Appendix F: End of Survey Questionnaire

8 Oct 2018 RDP 2018-11
Mary-Alice Doyle
Customer service or quality of the card issuer's website/apps. Less costly to use overseas. ... Linked to my mortgage/other bank accounts. Customer service or quality of the card issuer's website/apps.
https://www.rba.gov.au/publications/rdp/2018/2018-11/appendix-f.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
For merchants, the private costs of credit cards are lower for card-present transactions than for card-not-present transactions. ... Acquirers receive a net transfer as only part of the fees received from merchants is paid to card issuers through the
https://www.rba.gov.au/publications/rdp/2014/2014-14/private-net-costs.html
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Card Payment Systems

13 Sep 2007 PSB Annual Report – 2007
At the time, these benchmarks – which were based on the costs of credit card issuers – were both around 0.55 per cent (excluding GST), compared with a weighted-average interchange fee ... MasterCard has also introduced a chip rate for its debit cards,
https://www.rba.gov.au/publications/annual-reports/psb/2007/card-payments.html

Credit and Charge Cards

20 Sep 2005 PSB Annual Report – 2005
In addition, most card issuers have increased the average annual fee for having a credit card with a reward scheme, and many have placed a cap on the reward points that ... case. For many years, these consumers have helped subsidise the generous reward
https://www.rba.gov.au/publications/annual-reports/psb/2005/credit.html

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
product offering across card issuers. ... 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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Competition and Efficiency

21 Mar 2002 PSB Annual Report – 2001
Revenues from interchange fees allow credit card issuers to ‘subsidise’ cardholders to use their credit cards, by charging them less than the cost of the credit card payment services they use ... In Australia, interchange fees for proprietary debit
https://www.rba.gov.au/publications/annual-reports/psb/2001/competition.html