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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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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
Submission to the ACCC: Reform of Debit Card (EFTPOS) Interchange Fees - 21 March 2003
7 May 2008
Submissions
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26KB
Reform of Debit Card (EFTPOS) Interchange Fees
https://www.rba.gov.au/publications/submissions/payments-system/eftpos-interchange-fees/pdf/eftpos-interchange-fees.pdf
Submission to Payments System Review
3 Feb 2021
Submissions
PDF
1155KB
Furthermore, the number of domestic personal credit card accounts has fallen by 11 per cent over the. ... including reductions in the generosity of credit card rewards programs and changing attitudes towards.
https://www.rba.gov.au/publications/submissions/payments-system/pdf/submission-to-payments-system-review-01-2021.pdf
Submission to the Financial System Inquiry March 2014
10 Nov 2017
Submissions
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3041KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/pdf/financial-system-inquiry-2014-03.pdf
Reforms to the Payment Systems (Regulation) Act 1998
1 Dec 2023
Submissions
PDF
446KB
Submission to Consultation on Exposure Draft Legislation
https://www.rba.gov.au/publications/submissions/payments-system/pdf/reforms-to-the-payment-systems-regulation-nov-2023.pdf
A Strategic Plan for the Payments System
6 Jun 2023
Submissions
PDF
539KB
prescribed as critical are the Mastercard debit and credit card systems, the Visa debit and credit card. ... more competitive pressure on card payments system operators and participants to lower the costs.
https://www.rba.gov.au/publications/submissions/payments-system/pdf/consultation-on-a-strategic-plan-for-the-payments-system.pdf
Submission to the ACCC: eBay and PayPal – 2 May 2008
18 Jul 2008
Submissions
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16KB
Submission to the ACCC: eBay and PayPal
https://www.rba.gov.au/publications/submissions/payments-system/ebay-and-paypal/pdf/ebay-and-paypal.pdf
Reforms to the Payment Systems (Regulation) Act 1998
20 Dec 2023
Submissions
PDF
306KB
that merchants choosing to accept Mastercard or Visa credit cards are not obliged by scheme rules to. ... accept Mastercard or Visa debit or prepaid cards, and vice-versa. However, these undertakings may,.
https://www.rba.gov.au/publications/submissions/payments-system/pdf/treasury-consultation-on-reforms-to-the-psra-submission-07-07-2023.pdf
Submission to the Senate Select Committee on Financial Technology and Regulatory Technology
9 Jan 2020
Submissions
PDF
797KB
Increasing use of debit and credit cards for lower-value payments has been the most notable aspect of. ... The access regimes currently in place for the Visa and Mastercard credit card schemes have helped.
https://www.rba.gov.au/publications/submissions/payments-system/financial-and-regulatory-technology/pdf/financial-and-regulatory-technology.pdf
65 Martin Place Sydney NSW 2000 GPO Box 3947 ...
23 Apr 2020
Submissions
PDF
580KB
Credit cards and some debit cards allow payments to be initiated by a merchant with the customer’s card number and associated security information. ... monetary benefit from their credit card. Around 50 per cent of loss-marking cardholders did not
https://www.rba.gov.au/publications/submissions/payments-system/pdf/future-directions-for-the-consumer-data-right.pdf