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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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Competition in the Payments System | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions

6 Sep 2017 Submissions
However, few UnionPay-branded credit cards have been issued locally, which is indicative of the challenges of establishing a new card scheme in the presence of these strong network effects. ... Different card transactions have different costs for
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/competition-in-the-payments-system.html

Consumer Payment Behaviour in Australia

15 Jun 2023 Bulletin – June 2023
Thuong Nguyen and Benjamin Watson
The results of the Reserve Bank’s 2022 Consumer Payments Survey show that consumers continue to shift from using cash to electronic payment methods – a trend that was accelerated by the COVID-19 pandemic and consumers’ preference towards using
https://www.rba.gov.au/publications/bulletin/2023/jun/consumer-payment-behaviour-in-australia.html

A Guide to the Card Payments System Reforms

10 Sep 2010 Bulletin – September 2010
Michele Bullock
MasterCard and Visa, and potentially issue credit cards to cardholders or provide card acceptance services to merchants. ... a credit card than cardholders that pay interest on their credit card; the latter group tends to use debit cards more frequently.
https://www.rba.gov.au/publications/bulletin/2010/sep/7.html

Applications for Authorisation in Relation to PIN@POS – July 2016 | Payments System | Submissions

8 May 2024 Submissions
As a general point, eliminating signature authorisation has the potential to reduce the incidence of point-of-sale debit and credit card fraud and associated losses and resource costs. ... payments. Debit and credit cards play an important and growing
https://www.rba.gov.au/publications/submissions/payments-system/applications-for-authorisation-re-pin@pos-2013-07/index.html

New Payments Insights from the Updated Retail Payments Statistics Collection

21 Mar 2019 Bulletin – March 2019
Stephen Mitchell and Hao Wang
Banks' funding costs increased a little over 2018, driven by a rise in the cost of wholesale funding linked to money market rates, but with some offset from reductions in the cost of retail deposits.
https://www.rba.gov.au/publications/bulletin/2019/mar/new-payments-insights-from-the-updated-retail-payments-statistics-collection.html

Merchant Service Fees and Market Shares for Credit and Charge Cards

17 Aug 2005 Bulletin PDF 104KB
Reserve Bank of Australia Bulletin August 2005
https://www.rba.gov.au/publications/bulletin/2005/aug/pdf/bu-0805-2.pdf

Applications for Authorisation in Relation to 3D Secure – February 2016 | Payments System | Submissions

8 May 2024 Submissions
According to data published by APCA, total losses from fraudulent debit, credit and charge card transactions on cards issued and/or acquired in Australia amounted to $465 million in 2014/15, ... Graph 1. In contrast to CNP fraud, according to APCA data,
https://www.rba.gov.au/publications/submissions/payments-system/applications-for-authorisation-re-3d-secure/index.html

Bulletin March Quarter 2012

20 Apr 2012 Bulletin PDF 3093KB
Extracting Information from Financial Market Instruments 45. The Personal Credit Card Market in Australia: Pricing over the Past Decade 55. ... slower population growth, tight access to credit for developers, lower expectations of capital gains and
https://www.rba.gov.au/publications/bulletin/2012/mar/pdf/bu-0312.pdf

Reform of Australia's Payments System: The 2007/08 Review

13 Jul 2007 Bulletin PDF 108KB
Address by Philip Lowe, Assistant Governor (Financial System), to the 4th International Consumer Credit Card Summit, Sydney, 27 June 2007.
https://www.rba.gov.au/publications/bulletin/2007/jul/pdf/bu-0707-3.pdf

2024

18 Jan 2024 Bulletin
Insights into the economy and financial system from teams throughout the Reserve Bank of Australia
https://www.rba.gov.au/publications/bulletin/2024/