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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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Interchange Fees for the Bankcard, Mastercard and Visa Credit Card Schemes

31 Oct 2003 Media Releases
Credit card reform has resulted in interchange fees charged by Bankcard, MasterCard and Visa card schemes to be reduced to around a little over half of their previous level. The Reserve Bank is confident that competition will ensure that the new,

Gresham's Law of Payments

23 Mar 2005 Speech
Ian Macfarlane
Speech by Ian Macfarlane to the Australasian Institute of Banking + Finance (AIBF) Industry Forum 2005, Sydney

Opening Statement to the Senate Economics References Committee Inquiry into Matters Relating to Credit Card Interest Rates

27 Aug 2015 Speech
Malcolm Edey
Appearance by Malcolm Edey, Assistant Governor (Financial System), at the Inquiry into Matters Relating to Credit Card Interest Rates, before the Senate Economics References Committee, Sydney

Promoting Competition in the Debit Card Market

21 Jun 2023 Media Releases
Mastercard and Visa have each given undertakings to the Reserve Bank that they will not engage in ‘tying conduct’ involving their debit and credit card products.

Competition and Efficiency

11 Nov 2004 PSB Annual Report – 2004
Under this standard, the designated credit card schemes of Visa and MasterCard are not permitted to prohibit merchants from passing on the cost of accepting credit cards to customers that use ... One motivation for these arrangements from the banks'

Submissions on Draft Common Credit Card Interchange Standard

9 Mar 2023
Listing of submissions received from interested parties on the setting of interchange fees that would determine a common benchmark for interchange fees in the Bankcard, MasterCard and Visa credit card schemes

Statistical Tables

7 Sep 2023 Statistics
International Banking Statistics – Banks & RFCs. Payments System. Money and Credit Statistics.


9 Jun 2023
A glossary of terms used on the RBA website

Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access - October 2000

14 Aug 2008 PDF 407KB
Interchange Fees and Access

Modelling Consumer Payment Behaviour for Australia

1 Jul 2009 RDP 2009-04
John Simon, Kylie Smith and Tim West
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.
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