LOGIN
SUBSCRIBE
UPGRADE
LOGOUT
Open menu
PayDay News - Payments Industry News Australia
Got a story
to share?
Open menu
LOGIN
SUBSCRIBE
UPGRADE
LOGOUT
PayDay News | Australian Payments News

Debit spend up, while credit pays the bills

Senior Business Analyst
10 Sep, 2025
Add us as a preferred source on Google
Peter Drennan
Senior Business Analyst
10 Sep, 2025
Add us as a preferred source on Google
July's RBA payment data, released on Monday, reveals diverging trends: credit cards struggle in-store but dominate bill payments, while strong debit card growth suggests returning consumer confidence in discretionary spending.
Debit spend up, while credit pays the bills
The latest RBA data reveals a mixed picture for credit card spending, with in-store transactions showing modest recovery while bill payments continue to drive overall growth.

July's RBA payment data, released on Monday, reveals diverging trends: credit cards struggle in-store but dominate bill payments, while strong debit card growth suggests returning consumer confidence in discretionary spending.

Subscriber article

This article is available to PayDay News subscribers.

Subscribe to continue reading
PAYDAY NEWS ANNIVERSARY EDITION

trending

Sleepless payments: the mental health cost of keeping money safe
Scams, AI attacks and constant availability are testing payments workers’ wellbeing, from fraud desks to armoured trucks, as employers face pressure to address workloads, recovery time and job
Hello Clever says wellbeing starts before workers burn out
Hello Clever’s people chief Celia Baée says payments businesses must look beyond wellbeing programs, building trust through accountable leadership, sustainable workloads and support as AI and rapid change
AusPayNet says protecting mental health must be central as AI reshapes payments
AusPayNet’s Annette Young says staff wellbeing underpins payments resilience, urging employers to provide clarity, build confidence with AI and collaborate on the human impact of technological change.
Payments resilience starts with people: Global Payments
Global Payments’ Colin Baines says round-the-clock demands, cyber risks and technological change require sustainable workloads, practical support and leaders who treat staff wellbeing as a shared responsibility.
Amex “no surcharge” exodus?
American Express may face an acceptance revolt beyond the government, council and retail business that already block its cards in Australia. Three of Australia’s major banks – Westpac,

RELATED STORIES ▸

Late eftpos cuts online fees while hiking prop rates at POS
Late eftpos cuts online fees while hiking prop rates at POS
Late eftpos cuts online fees while hiking prop rates at POS
Australian Payments Plus (AP+) has slashed online eftpos interchange by up to 70%, but small proprietary debit purchases rise 40% ...
Woolies and CBA turn on grocery rewards for 9M customers
Woolies and CBA turn on grocery rewards for 9M customers
Woolies and CBA turn on grocery rewards for 9M customers
The same day surcharging was “banned” and credit card rewards shrank across Australia, Woolworths’ and Commonwealth Bank went live with ...
Visa, Mastercard fee hikes add more inflation risk to RBA card reforms
Visa, Mastercard fee hikes add more inflation risk to RBA card reforms
Visa, Mastercard fee hikes add more inflation risk to RBA card reforms
Organisations across the economy are rejecting credit cards, adding new fees and prices are rising at retailers and bowsers as ...
A2A roadmap faces October test on bulk and pull payments
A2A roadmap faces October test on bulk and pull payments
A2A roadmap faces October test on bulk and pull payments
Australia’s payments roundtable is still weighing how to deliver bulk and pull payments, with customer forums starting in October and ...
Debit surge: Westpac says credit cash-flow demand will survive fee and reward reset
Debit surge: Westpac says credit cash-flow demand will survive fee and reward reset
Debit surge: Westpac says credit cash-flow demand will survive fee and reward reset
Rewards are shrinking and fees are increasing, but Westpac says consumer credit cards remain an important cash-flow tool as the ...
Swift may bring PayID into cross-border payments push soonish
Swift may bring PayID into cross-border payments push soonish
Swift may bring PayID into cross-border payments push soonish
Australian Payments Plus (AP+) and Commonwealth Bank have joined a Swift initiative to let Australians send money overseas using familiar ...

Got a story to share?

Get in touch with PayDay News today!
Click here to email us

Topics

Advertising Enquiry

Fill out the form below, and we will be in touch shortly.

Contact Information

Got a story to share

Fill out the form below, and we will be in touch shortly.

Contact Information