Search: credit card
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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Merchant Service Fees for Credit Cards
14 Jul 2004
Bulletin
PDF
53KB
Effective endOctober 2003, the Bankcard, MasterCard andVisa credit card schemes have been requiredto set this fee in conformity with a benchmarkbased on the costs incurred by banks issuingcredit cards. ... Sources: RBA and schemes’ websites. Merchant
https://www.rba.gov.au/publications/bulletin/2004/jul/pdf/bu-0704-2.pdf
Submission to the Senate Inquiry into Matters Relating to Credit Card Interest Rates
14 Aug 2015
Submissions
PDF
905KB
programs on credit cards still provide an incentive for credit card use for many consumers. ... earned from spending on credit cards have become less generous, although card schemes have.
https://www.rba.gov.au/publications/submissions/financial-sector/pdf/inquiry-matters-relating-to-credit-card-interest-rates-2015-08.pdf
The Personal Credit Card Market in Australia: Pricing over the Past Decade
14 Mar 2012
Bulletin
PDF
162KB
Reserve Bank of Australia Bulletin March Quarter 2012
https://www.rba.gov.au/publications/bulletin/2012/mar/pdf/bu-0312-7.pdf
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
A Guide to the Card Payments System Reforms
15 Mar 2011
Bulletin
PDF
274KB
Reserve Bank of Australia Bulletin September 2010
https://www.rba.gov.au/publications/bulletin/2010/sep/pdf/bu-0910-7.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
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
Bulletin
29 Jan 2024
Bulletin
- January 2024
PDF
5775KB
https://www.rba.gov.au/publications/bulletin/2024/jan/pdf/bulletin-2024-01.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
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