The Cards and Payments Industry in Australia: Emerging Trends and Opportunities to 2020

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GlobalData’s 'The Cards and Payments Industry in Australia: Emerging Trends and Opportunities to 2020' report provides a detailed analysis of market trends in the Australian cards and payments industry. It provides values and volumes for a number of key performance indicators, including direct debits, check payments, payment cards, cash transactions and credit transfers during the review period (2011–2015).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2016–2020). It also offers information on the country's competitive landscape, including the market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in regulatory structure.


• This report provides a comprehensive analysis of the Australian cards and payments industry.

• It provides current values for the Australian cards and payments industry for 2015, and forecast figures to 2020.

• It details the different demographic, economic, infrastructural and business drivers affecting the Australian cards and payments industry.

• It outlines the current regulatory framework in the industry.

• It details marketing strategies used by various banks and other institutions.

Key Highlights

How is the uptake of alternative payments among Australian consumers gaining traction? Which options are available? Who recently entered the Australian market in collaboration with American Express and Citibank? Which solution was launched by National Australia Bank (NAB)? What did ANZ Bank launch within a month of NAB’s initiative? Which global alternative payment solutions are available in the Australian market?

Which mobile network operator is capitalizing on the growing popularity of contactless payments? What is this operator adding to its mobile payments platform? What has the Commonwealth Bank of Australia (CBA) launched for Android smartphone users? What is the service based on? What is Australia’s most widely used electronic payments system? When did this system join the contactless payments movement?

What measures has the Reserve Bank of Australia (RBA) – the central bank – implemented to regulate excessive surcharges on credit and debit card payments? What benefits are anticipated to result from the new regulation? When will the new regulation become effective for both large and other merchants in Australia?

Reasons to Buy

• Make strategic business decisions, using top-level historic and forecast market data, related to the Australian cards and payments industry and each market within it.

• Understand the key market trends and growth opportunities in the Australian cards and payments industry.

• Assess the competitive dynamics in the Australian cards and payments industry.

• Gain insights into marketing strategies used for various card types in Australia.

• Gain insights into key regulations governing the Australian cards and payments industry.

Commonwealth Bank of Australia
Westpac Banking Corporation
National Australia Bank
ANZ Bank
Citibank Australia
American Express Australia
Diners Club

Table of Contents


1.1 Definitions

1.2 Methodology




4.1 Current Payment Environment


5.1 E-Commerce Market Analysis

5.2 Alternative Payment Solutions

5.2.1 PayPal

5.2.2 Apple Pay

5.2.3 Android Pay

5.2.4 Samsung Pay

5.2.5 Master Pass

5.2.6 Visa Checkout

5.2.7 Bpay

5.2.8 ANZ Mobile Pay

5.2.9 NAB Pay

5.2.10 POLi Payments

5.2.11 Paymate

5.2.12 Cash by Optus


6.1 Regulatory Framework

6.2 Anti-Money Laundering (AML)

6.3 Foreign Direct Investment (FDI) Regulations



8.1 Market Segmentation and Targeting

8.1.1 Consumer cards

8.1.2 Commercial cards

8.2 New Product Launches


9.1 Payment Cards Market Analysis

9.1.1 Volume and value of payment card transactions by type


10.1 Debit Cards Market Analysis

10.1.1 Turnover per debit card and transaction values by channel

10.1.2 Debit card scheme and issuer shares in terms of transaction value

10.1.3 Debit cards comparison


11.1 Pay Later Cards Market Analysis

11.1.1 Turnover per pay later card and transaction values by channel

11.1.2 Pay later card scheme and issuer shares in terms of transaction value

11.1.3 Pay Later cards comparison


12.1 Commercial Pay Later Cards Market Analysis

12.1.1 Commercial pay later cards comparison



14.1 Commonwealth Bank of Australia

14.2 Westpac Banking Corporation

14.3 National Australia Bank

14.4 ANZ Bank

14.5 Citibank Australia

14.6 American Express


15.1 Prepaid Card Market Analysis

15.1.1 Prepaid cards comparison



17.1 Tables

17.2 Contact GlobalData

17.3 About GlobalData

17.4 GlobalData’s Services

17.5 Disclaimer

Frequently asked questions

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