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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 Payment Behaviour in Australia

13 Jun 2023 Bulletin - June 2023 PDF 974KB
https://www.rba.gov.au/publications/bulletin/2023/jun/pdf/consumer-payment-behaviour-in-australia.pdf

The Cost of Card Payments for Merchants

15 Sep 2022 Bulletin – September 2022
Troy Gill, Cara Holland and Georgia Wiley
The average cost for a merchant to accept a card payment has declined over recent years.
https://www.rba.gov.au/publications/bulletin/2022/sep/the-cost-of-card-payments-for-merchants.html

Abstract for A Guide to the Card Payments System Reforms

10 Sep 2010 Bulletin – September 2010
Michele Bullock
Michele Bullock. Studies by the Reserve Bank undertaken from 2000 to 2002 concluded that the structure of pricing in the Australian card payments system was encouraging inefficient use of credit cards ... credit card) over the less costly one (EFTPOS)
https://www.rba.gov.au/publications/bulletin/2010/sep/bu-0910-7a.html

Bank Fees in Australia

29 Jan 2024 Bulletin - January 2024 PDF 832KB
https://www.rba.gov.au/publications/bulletin/2024/jan/pdf/bank-fees-in-australia.pdf

Banking Fees in Australia

15 Jun 2016 Bulletin June Quarter 2016 PDF 261KB
https://www.rba.gov.au/publications/bulletin/2016/jun/pdf/bu-0616-6.pdf

RBA Measuring Credit

10 Sep 2009 Bulletin – September 2009
Laura Berger-Thomson and Paul Bloxham
per cent was accounted for by other entities (including cash management trusts, specialist credit card institutions and mortgage originators). ... Housing credit accounts for around 88 per cent of household credit, and personal credit (which includes
https://www.rba.gov.au/publications/bulletin/2009/sep/3.html

Bulletin March Quarter 2019

20 Apr 2023 Bulletin - March 2019 PDF 4430KB
https://www.rba.gov.au/publications/bulletin/2019/mar/pdf/bulletin-2019-03.pdf

The Cost of Card Payments for Merchants

19 Mar 2020 Bulletin – March 2020
Kateryna Occhiutto
Data on merchants’ costs of accepting card payments show large differences in payment costs across both merchants and card systems.
https://www.rba.gov.au/publications/bulletin/2020/mar/the-cost-of-card-payments-for-merchants.html

Bulletin June Quarter 2023

29 Sep 2023 Bulletin - June 2023 PDF 7089KB
https://www.rba.gov.au/publications/bulletin/2023/jun/pdf/bulletin-2023-06.pdf

Bulletin

17 Apr 2024 Bulletin - April 2024 PDF 7253KB
https://www.rba.gov.au/publications/bulletin/2024/apr/pdf/bulletin-2024-04.pdf