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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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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 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

How Australians Pay: Evidence from the 2016 Consumer Payments Survey

1 Jul 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 6: Why Hold a Credit Card? Most important reason, by age, 2016.
https://www.rba.gov.au/publications/rdp/2017/2017-04/full.html

How Australians Pay: Evidence from the 2016 Consumer Payments Survey

25 Jul 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
The data show that Australian consumers continued to switch from paper-based ways of making payments such as cash and cheques, towards digital payment methods (particularly debit and credit cards). ... Cards were the most frequently used means of payment
https://www.rba.gov.au/publications/rdp/2017/2017-04.html

Appendix A: Survey Methodology

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
A full list of debit and credit cards held by the respondent was collected, with the respondent also identifying their primary debit and credit card. ... Notes: (a) Online respondents selected the specific card they used (from the list of cards they
https://www.rba.gov.au/publications/rdp/2017/2017-04/appendix-a.html

Other Types of Payments

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Debit cards and credit cards were used evenly, but credit cards tended to be used for larger purchases. ... a) Debit, credit/charge cards, cheque, PayPal, BPAY, gift/prepaid card, and other payment methods.
https://www.rba.gov.au/publications/rdp/2017/2017-04/other-types-of-payments.html

Conclusion

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Many people are paying in cash less often, preferring to instead use their debit and credit cards, including for low-value payments. ... the past, and the 2016 survey showed that contactless cards are becoming an ever more popular way of making in-person
https://www.rba.gov.au/publications/rdp/2017/2017-04/conclusion.html

Trends in Consumer Payments

8 Aug 2017 RDP 2017-04
Mary-Alice Doyle, Chay Fisher, Ed Tellez and Anirudh Yadav
Credit and debit cards combined were the most frequently used means of payment in 2016, overtaking cash for the first time. ... 26. 31. 43. 52. Debit cards. 15. 22. 24. 30. Credit and charge cards.
https://www.rba.gov.au/publications/rdp/2017/2017-04/trends-in-consumer-payments.html