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Credit Cards in Australia
Reserve Bank of Australia, or better known as RBA is the central bank of Australia. The RBA main responsibility is monetary policy.
The Australia central bank is an active participant in financial markets, manages Australia's foreign reserves, issues Australian currency notes and serves as banker to the Australian Government.
As of 31st August 2016, there are 16,693,797 cardholders in Australia, an increased by 0.09% or 15,188 compares to 16,678,609 cardholders as at 31st July 2016. A total of 221,576,030 transactions recorded for August 2016, amounted to A$27.60 billion. The total transactions can be broken down to 2,213,279 cash advances of A$836 million and 219,362,751 purchases of A$26.77 billion. The rollover balance stood at A$51.28 billion with A$151.43 billion credit limits available.

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Monthly Australia Credit Card Statistics 2016

As of 31st January 2016, there are 16,442,771 cardholders in Australia, an increased by 0.19% or 31,793 compares to 16,410,978 cardholders as at 31st December 2015. A total of 185,532,218 transactions recorded for January 2016, amounted to A$22.53 billion. The total transactions can be broken down to 2,061,809 cash advances of A$764 million and 183,470,409 purchases of A$21.76 billion. The rollover balance stood at A$50.90 billion with A$149.37 billion credit limits available.

As of 29th February 2016, there are 16,493,887 cardholders in Australia, an increased by 0.31% or 51,116 compares to 16,442,771 cardholders as at 31st January 2016. A total of 198,762,279 transactions recorded for February 2016, amounted to A$25.92 billion. The total transactions can be broken down to 2,142,722 cash advances of A$863 million and 196,619,557 purchases of A$25.06 billion. The rollover balance stood at A$51.91 billion with A$149.82 billion credit limits available.

As of 31st March 2016, there are 16,512,558 cardholders in Australia, an increased by 0.11% or 18,671 compares to 16,493,887 cardholders as at 29th February 2016. A total of 207,717,777 transactions recorded for March 2016, amounted to A$26.22 billion. The total transactions can be broken down to 2,185,968 cash advances of A$855 million and 205,531,809 purchases of A$25.37 billion. The rollover balance stood at A$51.77 billion with A$150.11 billion credit limits available.

As of 30th April 2016, there are 16,548,402 cardholders in Australia, an increased by 0.22% or 35,844 compares to 16,512,558 cardholders as at 31st March 2016. A total of 193,991,099 transactions recorded for April 2016, amounted to A$24.16 billion. The total transactions can be broken down to 2,022,545 cash advances of A$787 million and 191,968,554 purchases of A$23.37 billion. The rollover balance stood at A$51.75 billion with A$150.51 billion credit limits available.

As of 31st May 2016, there are 16,594,484 cardholders in Australia, an increased by 0.28% or 46,082 compares to 16,548,402 cardholders as at 30th April 2016. A total of 212,866,570 transactions recorded for May 2016, amounted to A$26.77 billion. The total transactions can be broken down to 2,219,522 cash advances of A$859 million and 210,647,048 purchases of A$25.91 billion. The rollover balance stood at A$51.94 billion with A$150.92 billion credit limits available.

As of 30th June 2016, there are 16,640,643 cardholders in Australia, an increased by 0.28% or 46,159 compares to 16,594,484 cardholders as at 31st May 2016. A total of 203,186,738 transactions recorded for June 2016, amounted to A$26.24 billion. The total transactions can be broken down to 2,063,190 cash advances of A$853 million and 201,123,548 purchases of A$25.39 billion. The rollover balance stood at A$52.22 billion with A$151.37 billion credit limits available.

As of 31st July 2016, there are 16,678,609 cardholders in Australia, an increased by 0.23% or 37,966 compares to 16,640,643 cardholders as at 30th June 2016. A total of 195,815,226 transactions recorded for July 2016, amounted to A$24.32 billion. The total transactions can be broken down to 1,992,418 cash advances of A$812 million and 193,822,808 purchases of A$23.51 billion. The rollover balance stood at A$51.31 billion with A$151.37 billion credit limits available.

Credit Cards in Australia 2014-2015

In accordance to RBA credit and charge card statistics, there are 15,746,333 of cardholders in Australia as at December 2014. As of December 2015, there are 16,410,978 of cardholders in Australia. This shown the number of cardholders has increased by 664,645 or 4.22% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2014 is A$287.68 billion(2,097,277,000 number of transactions), with rollover balance of A$51.26 billion. The A$287.68 billion transactions are made up of A$9.85 billion cash advances(24,989,000 number of transactions) and A$277.82 billion purchases(2,072,288,000 number of transactions).
Whereas the total card transactions for year 2015 is A$301.98 billion(2,288,518,000 number of transactions), with rollover balance of A$52.06 billion. The A$301.98 billion transactions are made up of A$9.97 billion cash advances(26,563,000 number of transactions) and A$292.01 billion purchases(2,261,955,000 number of transactions).
Overall, the total card transactions increased by 4.97%, and rollover balance increased by 1.56% in 12 months period. The cash advances transaction has increased by 1.22% while the purchases transaction has increased by 5.11% in the same period.
The average value per purchase transaction has decreased from A$134.06 in 2014 to A$129.54 in 2015, which means credit and charge card is used for slightly smaller amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2014 is A$142.96 billion. As at December 2015, the total credit limits in Australia is A$147.86 billion. An increased of A$4.9 billion or 3.43% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2015, 86.3%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 13.7% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 18.7% in total during the same period while the rest of the purchases, 81.3% are made with MasterCard and Visa.


Credit Cards Fraud in Australia

In 2015, there are 2,127,049 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$437,856,560. The number of fraud increased significantly by 463,925 cases or 27.89% compares to 1,663,124 cases in 2014. The total value has increased significantly by A$74,317,441 or 20.44% compares to A$363,539,119 in 2014.
There are 900,576 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$168,769,464, a significant increase of 230,861 cases or 34.47% compares to 669,715 in 2014; while the total value has increased significantly by A$36,266,776 or 27.37% compares to A$132,502,688 in 2014. This figure can be further brokendown as:-

  • 211,640 of Lost/ Stolen cases with a total value of A$16,999,912, a significant increase of 55,204 cases or 35.29% compares to 156,436 in 2014; and the total value has increased by A$254,028 or 1.52% compares to A$16,745,884 in 2014.
  • 66,210 of Never Received cases with a total value of A$6,858,894, a significant increase of 20,551 cases or 45.01% compares to 45,659 in 2014; and the total value has increased by A$204,418 or 3.07% compares to A$6,654,476 in 2014.
  • 3,566 of Fraudulent Application cases with a total value of A$835,469, a decrease of 353 cases or 9.01% compares to 3,919 in 2014; and the total value has decreased significantly by A$208,905 or 20.00% compares to A$1,044,374 in 2014.
  • 15,583 of Counterfeit/ Skimming cases with a total value of A$6,406,045, a significant decrease of 7,725 cases or 33.14% compares to 23,308 in 2014; and the total value has decreased by A$2,033,335 or 24.09% compares to A$8,439,380 in 2014.
  • 597,310 of Card Not Present (CNP) cases with a total value of A$136,739,161, a significant increase of 160,150 cases or 36.63% compares to 437,160 in 2014; and the total value has increased significantly by A$37,685,432 or 38.05% compares to A$99,053,729 in 2014. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 66.33% contribution factor(compares to 65.28% contribution factor in 2014). Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 6,267 of Other fraud cases with a total value of A$929,983, a significant increase of 3,034 cases or 93,84% compares to 3,233 in 2014; and the total value significantly increased by A$365,139 or 64.64% compares to A$564,844 in 2014.

In 2015, there are 1,226,473 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$269,087,096, a significant increase of 233,064 cases or 23.46% compares to 993,409 in 2014; while the total value has increased by A$38,050,664 or 16.47% compares to A$231,036,432 in 2014. This figure can be further brokendown as:-

  • 42,075 of Lost/ Stolen cases with a total value of A$12,835,962, an increase of 1,987 cases or 4.96% compares to 40,088 in 2014; but the total value has decreased by A$469,853 or 3.53% compares to A$13,305,815 in 2014.
  • 2,178 of Never Received cases with a total value of A$629,591, a significant increase of 977 cases or 81.35% compares to 1,201 in 2014; but the total value has increased by A$107,812 or 20.66% compares to A$521,779 in 2014.
  • 2,195 of Fraudulent Application cases with a total value of A$451,256, a significant increased of 1,196 cases or 119.72% compares to 999 in 2014; while the total value has also increased significantly by A$277,278 or 159.38% compares to A$173,978 in 2014.
  • 71,228 of Counterfeit/ Skimming cases with a total value of A$28,133,618, a significant increase of 29,994 cases or 72.74% compares to 41,234 in 2014; and the total value has increased significantly by A$12,282,540 or 77.49% compares to A$15,851,078 in 2014.
  • 1,101,685 of Card Not Present (CNP) cases with a total value of A$226,253,496, an increase of 192,708 cases or 21.20% compares to 908,977 in 2014; and the total value has increased by A$25,355,671 or 12.62% compares to A$200,897,825 in 2014. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 89.83% contribution factor(compares to 86.96% contribution factor in 2014). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 7,112 of Other fraud cases with a total value of A$783,173, a significant increase of 6,202 cases or 681.54% compares to 910 in 2014; and the total value has also increased significantly by A$497,217 or 173.88% compares to A$285,956 in 2014.

In 2015 there are 246,395 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$59,599,479. The number of fraud increased by 29,389 cases or 13.54% compares to 217,006 cases in 2014. And the total value has increased by A$2,220,761 or 3.87% compares to A$57,378,718 in 2014. This figure can be further brokendown as:-

  • 15,305 of Lost/ Stolen cases with a total value of A$2,986,813, an increase of 2,925 cases or 23.63% compares to 12,380 in 2014; and the total value has also increased by A$219,303 or 7.92% compares to A$2,767,510 in 2014.
  • 855 of Never Received cases with a total value of A$117,929, a significant increase of 592 cases or 225.10% compares to 263 in 2014; and the total value has increased significantly by A$86,405 or 274.09% compares to A$31,524 in 2014.
  • 391 of Fraudulent Application cases with a total value of A$71,855, an increase of 79 cases or 25.32% compares to 312 in 2014; but the total value has decreased by A$7,527 or 9.48% compares to A$79,382 in 2014.
  • 47,528 of Counterfeit/ Skimming cases with a total value of A$7,997,245, a decrease of 14,591 cases or 23.49% compares to 62,119 in 2014; and the total value has decreased by A$1,258,056 or 13.59% compares to A$9,255,301 in 2014. Although the total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas with 19.29% contribution factor(compares to 28.63% contribution factor in 2014).
  • 181,165 of Card Not Present (CNP) cases with a total value of A$47,853,801, an increase of 41,041 cases or 29.29% compares to 140,124 in 2014; and the total value has increased by A$3,103,128 or 6.93% compares to A$44,750,673 in 2014. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 73.53% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,151 of Other fraud cases with a total value of A$571,836, a decrease of 657 cases or 36.34% compares to 1,808 in 2014; but the total value has increased by A$77,509 or 15.68% compares to A$494,327 in 2014.


Monthly Australia Credit Card Statistics 2015

As of 31st January 2015, there are 15,799,871 cardholders in Australia, an increased by 0.34% or 53,538 compares to 15,746,333 cardholders as at 31st December 2014. A total of 174,681,921 transactions recorded for January 2015, amounted to A$22.24 billion. The total transactions can be broken down to 1,977,585 cash advances of A$749 million and 172,704,336 purchases of A$21.49 billion. The rollover balance stood at A$50.07 billion with A$143.53 billion credit limits available.

As of 28th February 2015, there are 15,864,389 cardholders in Australia, an increased by 0.41% or 64,518 compares to 15,799,871 cardholders as at 31st January 2015. A total of 166,494,865 transactions recorded for February 2015, amounted to A$22.88 billion. The total transactions can be broken down to 1,865,657 cash advances of A$751 million and 164,629,208 purchases of A$22.13 billion. The rollover balance stood at A$51.10 billion with A$143.96 billion credit limits available.

As of 31st March 2015, there are 15,932,379 cardholders in Australia, an increased by 0.43% or 67,990 compares to 15,864,389 cardholders as at 28th February 2015. A total of 193,012,435 transactions recorded for March 2015, amounted to A$26.48 billion. The total transactions can be broken down to 2,453,773 cash advances of A$927 million and 190,558,662 purchases of A$25.55 billion. The rollover balance stood at A$51.21 billion with A$144.14 billion credit limits available.

As of 30th April 2015, there are 15,999,990 cardholders in Australia, an increased by 0.42% or 67,611 compares to 15,932,379 cardholders as at 31st March 2015. A total of 179,113,396 transactions recorded for April 2015, amounted to A$23.64 billion. The total transactions can be broken down to 2,271,084 cash advances of A$822 million and 176,842,312 purchases of A$22.82 billion. The rollover balance stood at A$51.07 billion with A$144.50 billion credit limits available.

As of 31st May 2015, there are 16,046,953 cardholders in Australia, an increased by 0.29% or 46,963 compares to 15,999,990 cardholders as at 30th April 2015. A total of 179,230,741 transactions recorded for May 2015, amounted to A$24.27 billion. The total transactions can be broken down to 2,284,935 cash advances of A$811 million and 176,945,806 purchases of A$23.50 billion. The rollover balance stood at A$51.27 billion with A$145.03 billion credit limits available.

As of 30th June 2015, there are 16,088,424 cardholders in Australia, an increased by 0.26% or 41,471 compares to 16,046,953 cardholders as at 31st May 2015. A total of 193,745,445 transactions recorded for June 2015, amounted to A$26.37 billion. The total transactions can be broken down to 2,423,787 cash advances of A$901 million and 191,321,658 purchases of A$25.47 billion. The rollover balance stood at A$51.45 billion with A$145.59 billion credit limits available.

As of 31st July 2015, there are 16,222,773 cardholders in Australia, an increased by 0.84% or 134,349 compares to 16,088,424 cardholders as at 30th June 2015. A total of 191,105,813 transactions recorded for July 2015, amounted to A$25.43 billion. The total transactions can be broken down to 2,210,896 cash advances of A$841 million and 188,894,917 purchases of A$24.59 billion. The rollover balance stood at A$50.45 billion with A$147.07 billion credit limits available.

As of 31st August 2015, there are 16,252,150 cardholders in Australia, an increased by 0.18% or 29,377 compares to 16,222,773 cardholders as at 31st July 2015. A total of 188,260,348 transactions recorded for August 2015, amounted to A$25.13 billion. The total transactions can be broken down to 2,239,834 cash advances of A$838 million and 186,020,514 purchases of A$24.29 billion. The rollover balance stood at A$50.56 billion with A$147.45 billion credit limits available.

As of 30th September 2015, there are 16,286,040 cardholders in Australia, an increased by 0.21% or 33,890 compares to 16,252,150 cardholders as at 31st August 2015. A total of 193,236,423 transactions recorded for September 2015, amounted to A$25.46 billion. The total transactions can be broken down to 2,174,932 cash advances of A$838 million and 191,061,491 purchases of A$24.62 billion. The rollover balance stood at A$50.76 billion with A$147.86 billion credit limits available.

As of 31st October 2015, there are 16,307,174 cardholders in Australia, an increased by 0.13% or 21,134 compares to 16,286,040 cardholders as at 30th September 2015. A total of 194,514,013 transactions recorded for October 2015, amounted to A$25.46 billion. The total transactions can be broken down to 2,180,462 cash advances of A$824 million and 192,333,551 purchases of A$24.63 billion. The rollover balance stood at A$50.58 billion with A$148.17 billion credit limits available.

As of 30th November 2015, there are 16,356,725 cardholders in Australia, an increased by 0.30% or 49,551 compares to 16,307,174 cardholders as at 31st October 2015. A total of 204,629,244 transactions recorded for November 2015, amounted to A$26.32 billion. The total transactions can be broken down to 2,311,864 cash advances of A$838 million and 202,317,380 purchases of A$25.48 billion. The rollover balance stood at A$51.33 billion with A$148.64 billion credit limits available.

As of 31st December 2015, there are 16,410,978 cardholders in Australia, an increased by 0.33% or 54,253 compares to 16,356,725 cardholders as at 30th November 2015. A total of 230,493,011 transactions recorded for December 2015, amounted to A$28.32 billion. The total transactions can be broken down to 2,168,165 cash advances of A$831 million and 228,324,846 purchases of A$27.48 billion. The rollover balance stood at A$52.06 billion with A$148.89 billion credit limits available.

Credit Cards in Australia 2013-2014

In accordance to RBA credit and charge card statistics, there are 15,538,988 of cardholders in Australia as at December 2013. As of December 2014, there are 15,746,333 of cardholders in Australia. This shown the number of cardholders has increased by 207,345 or 1.32% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2013 is A$272.35 billion(1,941,481,000 number of transactions), with rollover balance of A$50.37 billion. The A$272.35 billion transactions are made up of A$9.87 billion cash advances(24,707,000 number of transactions) and A$262.48 billion purchases(1,916,774,000 number of transactions).
Whereas the total card transactions for year 2014 is A$287.68 billion(2,097,277,000 number of transactions), with rollover balance of A$51.26 billion. The A$287.68 billion transactions are made up of A$9.85 billion cash advances(24,989,000 number of transactions) and A$277.82 billion purchases(2,072,288,000 number of transactions).
Overall, the total card transactions increased by 5.63%, and rollover balance increased by 1.77% in 12 months period. The cash advances transaction has decreased by 0.20% while the purchases transaction has increased by 5.84% in the same period.
The average value per purchase transaction has decreased from A$136.94 in 2013 to A$134.06 in 2014, which means credit and charge card is used for slightly smaller amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2013 is A$137.39 billion. As at December 2014, the total credit limits in Australia is A$142.96 billion. An increased of A$5.57 billion or 4.05% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2014, 86.7%(in numbers) of purchases are made with MasterCard and Visa, while the rest of purchases, 13.8% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 18.5% in total during the same period while the rest of the purchases, 81.5% are made with MasterCard and Visa.

Credit Cards Fraud in Australia 2013-2014
In 2014, there are 1,663,124 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$363,539,119. The number of fraud increased significantly by 308,322 cases or 22.76% compares to 1,354,802 cases in 2013. The total value has increased significantly by A$90,561,210 or 33.18% compares to A$272,977,909 in 2013.
There are 669,715 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$132,502,688, an increase of 27,664 cases or 4.31% compares to 642,051 in 2013; while the total value has increased by A$88,39,527 or 7.15% compares to A$123,663,161 in 2013. This figure can be further brokendown as:-

  • 156,436 of Lost/ Stolen cases with a total value of A$16,745,884, an increase of 5,582 cases or 3.70% compares to 150,854 in 2013; but the total value has decreased by A$1,798,904 or 9.70% compares to A$18,544,788 in 2013.
  • 45,659 of Never Received cases with a total value of A$6,654,476, a significant increase of 6,761 cases or 17.38% compares to 38,898 in 2013; but the total value has decreased by A$652,784 or 8.93% compares to A$7,307,260 in 2013.
  • 3,919 of Fraudulent Application cases with a total value of A$1,044,374, a significant increase of 900 cases or 29.81% compares to 3,019 in 2013; and the total value has decreased significantly by A$331,192 or 24.08% compares to A$1,375,566 in 2013.
  • 23,308 of Counterfeit/ Skimming cases with a total value of A$8,439,380, an increase of 1,586 cases or 7.30% compares to 21,722 in 2013; but the total value has decreased by A$1,248,820 or 12.89% compares to A$9,688,200 in 2013.
  • 437,160 of Card Not Present (CNP) cases with a total value of A$99,053,729, an increase of 14,235 cases or 3.37% compares to 422,925 in 2013; and the total value has increased significantly by A$13,120,862 or 15.27% compares to A$85,932,867 in 2013. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 65.28% contribution factor(compares to 65.87% contribution factor in 2013). Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 3,233 of Other fraud cases with a total value of A$564,844, a significant decrease of 1,400 cases or 30.22% compares to 4,633 in 2013; and the total value significantly decreased by A$249,637 or 30.65% compares to A$814,481 in 2013.

In 2014, there are 993,409 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$231,036,432, a significant increase of 280,658 cases or 39.38% compares to 712,751 in 2013; while the total value has increased significantly by A$81,721,684 or 54.73% compares to A$149,314,748 in 2013. This figure can be further brokendown as:-

  • 40,088 of Lost/ Stolen cases with a total value of A$13,305,815, a significant increase of 12,837 cases or 47.11% compares to 27,251 in 2013; and the total value has increased significantly by A$2,243,525 or 20.28% compares to A$11,062,290 in 2013.
  • 1,201 of Never Received cases with a total value of A$521,779, a decrease of 193 cases or 13.85% compares to 1,394 in 2013; but the total value has increased by A$43,029 or 8.99% compares to A$478,750 in 2013.
  • 999 of Fraudulent Application cases with a total value of A$173,978, a significant increased of 596 cases or 147.89% compares to 403 in 2013; while the total value has also increased significantly by A$61,179 or 54.24% compares to A$112,799 in 2013.
  • 41,234 of Counterfeit/ Skimming cases with a total value of A$15,851,078, a decrease of 867 cases or 2.06% compares to 42,101 in 2013; but the total value has increased by A$3,048,474 or 23.81% compares to A$12,802,604 in 2013.
  • 908,977 of Card Not Present (CNP) cases with a total value of A$200,897,825, a significant increase of 268,599 cases or 41.94% compares to 640,378 in 2013; and the total value has increased by A$76,390,297 or 61.35% compares to A$124,507,528 in 2013. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 86.96% contribution factor(compares to 89.85% contribution factor in 2013). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 910 of Other fraud cases with a total value of A$285,956, a significant decrease of 314 cases or 25.65% compares to 1,224 in 2013; and the total value has also decreased significantly by A$64,821 or 18.48% compares to A$350,777 in 2013.

In 2014 there are 217,006 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$57,378,718. The number of fraud increased by 46,701 cases or 27.42% compares to 170,305 cases in 2013. And the total value has increased by A$7,685,602 or 15.47% compares to A$49,693,116 in 2013. This figure can be further brokendown as:-

  • 12,380 of Lost/ Stolen cases with a total value of A$2,767,510, a decrease of 357 cases or 2.80% compares to 12,737 in 2013; and the total value has also decreased by A$1,603,752 or 36.69% compares to A$4,371,262 in 2013.
  • 263 of Never Received cases with a total value of A$31,524, a decrease of 149 cases or 36.16% compares to 412 in 2013; and the total value has decreased by A$17,514 or 35.72% compares to A$49,038 in 2013.
  • 312 of Fraudulent Application cases with a total value of A$79,382, an increase of 109 cases or 53.69% compares to 203 in 2013; but the total value has decreased by A$1,741 or 2.15% compares to A$81,123 in 2013.
  • 62,119 of Counterfeit/ Skimming cases with a total value of A$9,255,301, an increase of 9,086 cases or 17.13% compares to 53,033 in 2013; but the total value has decreased by A$1,827,758 or 16.49% compares to A$11,083,059 in 2013. Although the total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas with 28.63% contribution factor(compares to 31.14% contribution factor in 2013).
  • 140,124 of Card Not Present (CNP) cases with a total value of A$44,750,673, an increase of 37,220 cases or 36.17% compares to 102,904 in 2013; and the total value has increased by A$11,166,075 or 33.25% compares to A$33,584,598 in 2013. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 64.57% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,808 of Other fraud cases with a total value of A$494,327, an increase of 792 cases or 77.95% compares to 1,016 in 2013; but the total value has decreased by A$29,708 or 5.67% compares to A$524,035 in 2013.

Monthly Australia Credit Card Statistics 2014
As of 31st January 2014, there are 15,604,889 cardholders in Australia, an increased by 0.42% or 65,901 compares to 15,538,988 cardholders as at 31st December 2013. A total of 166,799,830 transactions recorded for January 2014, amounted to A$22.32 billion. The total transactions can be broken down to 2,057.804 cash advances of A$834 million and 164,742,026 purchases of A$21.49 billion. The rollover balance stood at A$49.37 billion with A$137.88 billion credit limits available.

As of 28th February 2014, there are 15,659,714 cardholders in Australia, an increased by 0.35% or 54,825 compares to 15,604,889 cardholders as at 31st January 2014. A total of 153,953,675 transactions recorded for February 2014, amounted to A$22.32 billion. The total transactions can be broken down to 1,895,823 cash advances of A$826 million and 152,057,852 purchases of A$21.49 billion. The rollover balance stood at A$50.47 billion with A$138.41 billion credit limits available.

As of 31st March 2014, there are 15,455,512 cardholders in Australia, a decreased by 1.30% or 204,202 compares to 15,659,714 cardholders as at 28th February 2014. A total of 169,606,172 transactions recorded for March 2014, amounted to A$24.00 billion. The total transactions can be broken down to 2,131,972 cash advances of A$903 million and 167,474,200 purchases of A$23.10 billion. The rollover balance stood at A$50.06 billion with A$139.08 billion credit limits available.

As of 30th April 2014, there are 15,451,740 cardholders in Australia, a decreased by 0.02% or 3,772 compares to 15,455,512 cardholders as at 31st March 2014. A total of 165,612,138 transactions recorded for April 2014, amounted to A$22.19 billion. The total transactions can be broken down to 2,024,743 cash advances of A$787 million and 163,587,395 purchases of A$21.41 billion. The rollover balance stood at A$49.92 billion with A$139.26 billion credit limits available.

As of 31st May 2014, there are 15,460,962 cardholders in Australia, an increased by 0.06% or 9,222 compares to 15,451,740 cardholders as at 30th April 2014. A total of 169,365,161 transactions recorded for May 2014, amounted to A$23.76 billion. The total transactions can be broken down to 2,061,398 cash advances of A$799 million and 167,303,763 purchases of A$22.96 billion. The rollover balance stood at A$50.02 billion with A$139.28 billion credit limits available.

As of 30th June 2014, there are 15,497,577 cardholders in Australia, an increased by 0.24% or 36,615 compares to 15,460,962 cardholders as at 31st May 2014. A total of 170,832,018 transactions recorded for June 2014, amounted to A$23.98 billion. The total transactions can be broken down to 2,121,075 cash advances of A$836 million and 168,710,943 purchases of A$23.15 billion. The rollover balance stood at A$50.17 billion with A$139.88 billion credit limits available.

As of 31st July 2014, there are 15,535,812 cardholders in Australia, an increased by 0.25% or 38,235 compares to 15,497,577 cardholders as at 30th June 2014. A total of 176,667,015 transactions recorded for July 2014, amounted to A$24.36 billion. The total transactions can be broken down to 2,099,524 cash advances of A$813 million and 174,567,491 purchases of A$23.55 billion. The rollover balance stood at A$49.72 billion with A$140.34 billion credit limits available.

As of 31st August 2014, there are 15,589,308 cardholders in Australia, an increased by 0.34% or 53,496 compares to 15,535,812 cardholders as at 31st July 2014. A total of 166,141,314 transactions recorded for August 2014, amounted to A$23.20 billion. The total transactions can be broken down to 2,027,739 cash advances of A$785 million and 164,113,575 purchases of A$22.42 billion. The rollover balance stood at A$49.80 billion with A$140.88 billion credit limits available.

As of 30th September 2014, there are 15,619,944 cardholders in Australia, an increased by 0.20% or 30,636 compares to 15,589,308 cardholders as at 31st August 2014. A total of 182,890,661 transactions recorded for September 2014, amounted to A$24.89 billion. The total transactions can be broken down to 2,216,977 cash advances of A$857 million and 180,673,684 purchases of A$24.03 billion. The rollover balance stood at A$49.71 billion with A$141.39 billion credit limits available.

As of 31st October 2014, there are 15,649,410 cardholders in Australia, an increased by 0.19% or 29,466 compares to 15,619,944 cardholders as at 30th September 2014. A total of 184,391,458 transactions recorded for October 2014, amounted to A$25.32 billion. The total transactions can be broken down to 2,172,475 cash advances of A$828 million and 182,218,983 purchases of A$24.49 billion. The rollover balance stood at A$49.85 billion with A$141.84 billion credit limits available.

As of 30th November 2014, there are 15,691,592 cardholders in Australia, an increased by 0.27% or 42,182 compares to 15,649,410 cardholders as at 31st October 2014. A total of 173,638,770 transactions recorded for November 2014, amounted to A$23.51 billion. The total transactions can be broken down to 1,991,757 cash advances of A$747 million and 171,647,013 purchases of A$22.76 billion. The rollover balance stood at A$50.87 billion with A$142.47 billion credit limits available.

As of 31st December 2014, there are 15,746,333 cardholders in Australia, an increased by 0.35% or 54,741 compares to 15,691,592 cardholders as at 30th November 2014. A total of 217,378,364 transactions recorded for December 2014, amounted to A$27.81 billion. The total transactions can be broken down to 2,187,397 cash advances of A$839 million and 215,190,967 purchases of A$26.97 billion. The rollover balance stood at A$51.26 billion with A$142.96 billion credit limits available.


Credit Cards in Australia 2012-2013

In accordance to RBA credit and charge card statistics, there are 15,206,686 of cardholders in Australia as at December 2012. As of December 2013, there are 15,538,988 of cardholders in Australia. This shown the number of cardholders has increased by 332,302 or 2.19% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2012 is A$260.48 billion(1,800,627,000 number of transactions), with rollover balance of A$49.92 billion. The A$249.64 billion transactions are made up of A$9.71 billion cash advances(25,034,000 number of transactions) and A$250.77 billion purchases(1,775,593,000 number of transactions).
Whereas the total card transactions for year 2013 is A$272.35 billion(1,941,481,000 number of transactions), with rollover balance of A$50.37 billion. The A$272.35 billion transactions are made up of A$9.87 billion cash advances(24,707,000 number of transactions) and A$262.48 billion purchases(1,916,774,000 number of transactions).
Overall, the total card transactions increased by 4.56%, and rollover balance increased by 0.90% in 12 months period. The cash advances transaction has increased by 1.65% while the purchases transaction has increased by 4.67% in the same period.
The average value per purchase transaction has decreased from A$141.23 in 2012 to A$136.94 in 2013, which means credit and charge card is used for slightly smaller amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2012 is A$133.58 billion. As at December 2013, the total credit limits in Australia is A$137.39 billion. An increased of A$3.81 billion or 2.85% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2013, 85.6%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 14.4% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 19.0% in total during the same period while the rest of the purchases, 81.0% are made with MasterCard and Visa.

Credit Cards Fraud in Australia 2012-2013
In 2013, there are 1,354,802 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$272,977,909. The number of fraud increased by 156,283 cases or 13.04% compares to 1,198,519 cases in 2012. The total value has increased by A$27,600,103 or 11.25% compares to A$245,377,806 in 2012.
There are 642,051 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$123,663,161, a significant increase of 125,545 cases or 24.31% compares to 516,506 in 2012; while the total value has increased significantly by A$12,463,039 or 11.21% compares to A$111,200,122 in 2012. This figure can be further brokendown as:-

  • 150,854 of Lost/ Stolen cases with a total value of A$18,544,788, a significant increase of 66,838 cases or 79.55% compares to 84,016 in 2012; and the total value has also increased by A$4,089,432 or 28.29% compares to A$14,455,356 in 2012.
  • 38,898 of Never Received cases with a total value of A$7,307,260, a significant increase of 13,542 cases or 53.41% compares to 25,356 in 2012; and the total value has also increased by A$514,840 or 7.58% compares to A$6,792,420 in 2012.
  • 3,019 of Fraudulent Application cases with a total value of A$1,375,566, a significant decrease of 2,170 cases or 41.82% compares to 5,189 in 2012; and the total value has decreased significantly by A$2,035,429 or 59.67% compares to A$3,410,995 in 2012.
  • 21,722 of Counterfeit/ Skimming cases with a total value of A$9,688,200, a significant decrease of 15,885 cases or 42.24% compares to 37,607 in 2012; and the total value has also decreased by A$3,377,789 or 25.85% compares to A$13,065,989 in 2012.
  • 422,925 of Card Not Present (CNP) cases with a total value of A$85,932,867, a significant increase of 61,604 cases or 17.05% compares to 361,321 in 2012; and the total value has increased significantly by A$13,171,575 or 18.10% compares to A$72,761,292 in 2012. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 65.87% contribution factor(compares to 69.95% contribution factor in 2012). Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 4,633 of Other fraud cases with a total value of A$814,481, an increase of 1,616 cases or 53.56% compares to 3,017 in 2012; and the total value has increased by A$100,410 or 14.06% compares to A$714,071 in 2012.

In 2013, there are 712,751 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$149,314,748, an increase of 30,738 cases or 4.51% compares to 682,013 in 2012; while the total value has increased by A$15,137,064 or 11.28% compares to A$134,177,684 in 2012. This figure can be further brokendown as:-

  • 27,251 of Lost/ Stolen cases with a total value of A$11,062,290, a significant increase of 5,281 cases or 24.04% compares to 21,970 in 2012; and the total value has increased significantly by A$2,733,529 or 32.82% compares to A$8,328,761 in 2012.
  • 1,394 of Never Received cases with a total value of A$478,750, a marginal increase of 200 cases or 1.68% compares to 1,194 in 2012; while the total value has also increased by A$31,475 or 7.04% compares to A$447,275 in 2012.
  • 403 of Fraudulent Application cases with a total value of A$112,799, an increased of 129 cases or 47.08% compares to 274 in 2012; while the total value has also increased by A$19.740 or 21.21% compares to A$93,059 in 2012.
  • 42,101 of Counterfeit/ Skimming cases with a total value of A$12,802,604, a decrease of 3,089 cases or 6.84% compares to 45,190 in 2012; and the total value has decreased by A$1,829,951 or 12.51% compares to A$14,632,555 in 2012.
  • 640,378 of Card Not Present (CNP) cases with a total value of A$124,507,528, an increase of 28,351 cases or 4.63% compares to 612,027 in 2012; and the total value has increased by A$14,187,634 or 12.86% compares to A$110,319,894 in 2012. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 89.85% contribution factor(compares to 89.74% contribution factor in 2012). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 1,224 of Other fraud cases with a total value of A$350,777, a decrease of 134 cases or 9.87% compares to 1,358 in 2012; and the total value has decreased marginally by A$5,363 or 1.51% compares to A$356,140 in 2012.

In 2013 there are 170,305 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$49,693,116. The number of fraud increased by 7,203 cases or 4.42% compares to 163,102 cases in 2012. And the total value has increased by A$3,528,747 or 7.64% compares to A$46,164,369 in 2012. This figure can be further brokendown as:-

  • 12,737 of Lost/ Stolen cases with a total value of A$4,371,262, an increase of 45 cases or 0.35% compares to 12,692 in 2012; and the total value has also decreased by A$429,226 or 10.89% compares to A$3,942,036 in 2012.
  • 412 of Never Received cases with a total value of A$49,038, an increase of 78 cases or 23.35% compares to 334 in 2012; but the total value has decreased by A$22,113 or 31.08% compares to A$71,151 in 2012.
  • 203 of Fraudulent Application cases with a total value of A$81,123, a decrease of 90 cases or 30.72% compares to 293 in 2012; but the total value has increased significantly by A$25,984 or 47.12% compares to A$55,139 in 2012.
  • 53,033 of Counterfeit/ Skimming cases with a total value of A$11,083,059, an increase of 8,192 cases or 18.27% compares to 44,841 in 2012; but the total value has decreased by A$850,265 or 7.13% compares to A$11,933,324 in 2012. Although the total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas with 31.14% contribution factor(compares to 27.49% contribution factor in 2012).
  • 102,904 of Card Not Present (CNP) cases with a total value of A$33,584,598, a marginal decrease of 380 cases or 0.37% compares to 103,284 in 2012; but the total value has increased by A$3,942,007 or 31.30% compares to A$29,642,591 in 2012. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 60.42% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,016 of Other fraud cases with a total value of A$524,035, a decrease of 642 cases or 38.72% compares to 1,658 in 2012; but the total value has increased marginally by A$3,907 or 0.75% compares to A$520,128 in 2012.

Monthly Australia Credit Card Statistics 2013
As of 31st January 2013, there are 15,240,670 cardholders in Australia, an increased by 0.22% or 33,984 compares to 15,206,686 cardholders as at 31st December 2012. A total of 154,318,738 transactions recorded for January 2013, amounted to A$20.73 billion. The total transactions can be broken down to 2,011,489 cash advances of A$763 million and 152,307,249 purchases of A$19.97 billion. The rollover balance stood at A$48.74 billion with A$133.76 billion credit limits available.

As of 28th February 2013, there are 15,237,775 cardholders in Australia, a decreased by 0.02% or 2,895 compares to 15,240,670 cardholders as at 31st January 2013. A total of 142,430,847 transactions recorded for February 2013, amounted to A$20.93 billion. The total transactions can be broken down to 1,857,299 cash advances of A$751 million and 140,573,548 purchases of A$20.18 billion. The rollover balance stood at A$50.00 billion with A$133.78 billion credit limits available.

As of 31st March 2013, there are 15,264,236 cardholders in Australia, an increased by 0.17% or 26,461 compares to 15,237,775 cardholders as at 28th February 2013. A total of 146,939,694 transactions recorded for March 2013, amounted to A$21.03 billion. The total transactions can be broken down to 1,920,556 cash advances of A$792 million and 145,019,138 purchases of A$20.24 billion. The rollover balance stood at A$49.71 billion with A$133.95 billion credit limits available.

As of 30th April 2013, there are 15,349,370 cardholders in Australia, an increased by 0.56% or 85,134 compares to 15,264,236 cardholders as at 31st March 2013. A total of 164,790,705 transactions recorded for April 2013, amounted to A$22.45 billion. The total transactions can be broken down to 2,159,313 cash advances of A$863 million and 162,531,392 purchases of A$21.59 billion. The rollover balance stood at A$49.39 billion with A$134.28 billion credit limits available.

As of 31st May 2013, there are 15,333,073 cardholders in Australia, a decreased by 0.11% or 16,297 compares to 15,349,370 cardholders as at 30th April 2013. A total of 163,026,978 transactions recorded for May 2013, amounted to A$23.40 billion. The total transactions can be broken down to 2,109,574 cash advances of A$846 million and 160,917,404 purchases of A$22.55 billion. The rollover balance stood at A$49.62 billion with A$134.23 billion credit limits available.

As of 30th June 2013, there are 15,374,218 cardholders in Australia, an increased by 0.27% or 41,145 compares to 15,333,073 cardholders as at 31st May 2013. A total of 146,564,392 transactions recorded for June 2013, amounted to A$21.10 billion. The total transactions can be broken down to 1,929,907 cash advances of A$799 million and 144,634,485 purchases of A$20.30 billion. The rollover balance stood at A$49.87 billion with A$134.54 billion credit limits available.

As of 31st July 2013, there are 15,408,990 cardholders in Australia, an increased by 0.23% or 34,772 compares to 15,374,218 cardholders as at 30th June 2013. A total of 169,284,436 transactions recorded for July 2013, amounted to A$23.86 billion. The total transactions can be broken down to 2,212,907 cash advances of A$886 million and 167,070,261 purchases of A$22.97 billion. The rollover balance stood at A$49.19 billion with A$134.73 billion credit limits available.

As of 31st August 2013, there are 15,414,891 cardholders in Australia, an increased by 0.04% or 5,901 compares to 15,408,990 cardholders as at 31st July 2013. A total of 157,396,015 transactions recorded for August 2013, amounted to A$22.64 billion. The total transactions can be broken down to 2,004,393 cash advances of A$832 million and 155,391,622 purchases of A$21.81 billion. The rollover balance stood at A$48.91 billion with A$134.91 billion credit limits available.

As of 30th September 2013, there are 15,430,867 cardholders in Australia, an increased by 0.10% or 15,976 compares to 15,414,891 cardholders as at 31st August 2013. A total of 162,700,409 transactions recorded for September 2013, amounted to A$22.85 billion. The total transactions can be broken down to 2,093,283 cash advances of A$834 million and 160,607,126 purchases of A$22.02 billion. The rollover balance stood at A$48.81 billion with A$135.12 billion credit limits available.

As of 31st October 2013, there are 15,456,238 cardholders in Australia, an increased by 0.16% or 25,371 compares to 15,430,867 cardholders as at 30th September 2013. A total of 170,279,342 transactions recorded for October 2013, amounted to A$23.87 billion. The total transactions can be broken down to 2,090,028 cash advances of A$832 million and 168,188,952 purchases of A$23.03 billion. The rollover balance stood at A$48.91 billion with A$135.58 billion credit limits available.

As of 30th November 2013, there are 15,488,924 cardholders in Australia, an increased by 0.21% or 32,686 compares to 15,456,238 cardholders as at 31st October 2013. A total of 164,841,108 transactions recorded for November 2013, amounted to A$23.18 billion. The total transactions can be broken down to 1,969,875 cash advances of A$779 million and 162,871,233 purchases of A$22.40 billion. The rollover balance stood at A$49.74 billion with A$135.94 billion credit limits available.

As of 31st December 2013, there are 15,537,025 cardholders in Australia, an increased by 0.31% or 48,101 compares to 15,488,924 cardholders as at 30th November 2013. A total of 193,970,906 transactions recorded for December 2013, amounted to A$25.66 billion. The total transactions can be broken down to 2,140,943 cash advances of A$843 million and 191,829,963 purchases of A$24.82 billion. The rollover balance stood at A$50.13 billion with A$136.52 billion credit limits available.


Credit Cards in Australia 2011-2012

In accordance to RBA credit and charge card statistics, there are 14,998,347 of cardholders in Australia as at December 2011. As of December 2012, there are 15,206,686 of cardholders in Australia. This shown the number of cardholders has increased by 208,339 or 1.39% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2011 is A$249.64 billion(1,688,590,000 number of transactions), with rollover balance of A$50.34 billion. The A$249.64 billion transactions are made up of A$10.12 billion cash advances(26,106,000 number of transactions) and A$239.52 billion purchases(1,662,484,000 number of transactions).
Whereas the total card transactions for year 2012 is A$260.48 billion(1,800,627,000 number of transactions), with rollover balance of A$49.92 billion. The A$260.48 billion transactions are made up of A$9.71 billion cash advances(25,034,000 number of transactions) and A$250.77 billion purchases(1,775,593,000 number of transactions).
Overall, the total card transactions increased by 4.34%, and rollover balance decreased by 0.83% in 12 months period. The cash advances transaction has decreased by 4.05% while the purchases transaction has increased by 4.70% in the same period.
The average value per purchase transaction has decreased from A$144.07 in 2011 to A$141.23 in 2012, which means credit and charge card is used for slightly smaller amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2011 is A$136.91 billion. As at December 2012, the total credit limits in Australia is A$133.58 billion. A decreased of A$3.33 billion or 2.43% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2012, 84.9%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 15.1% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 19.3% in total during the same period while the rest of the purchases, 80.7% are made with MasterCard and Visa.

Credit Cards Fraud in Australia 2011-2012
In 2012, there are 1,198,519 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$245,377,806. The number of fraud increased by 87,033 cases or 7.83% compares to 1,111,486 cases in 2011. The total value has decreased by A$33,754,738 or 12.09% compares to A$279,132,544 in 2011.
There are 516,506 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$111,200,122, a significant increase of 122,800 cases or 31.19% compares to 393,706 in 2011; while the total value has increased by A$6,356,154 or 6.06% compares to A$104,843,968 in 2011. This figure can be further brokendown as:-

  • 84,016 of Lost/ Stolen cases with a total value of A$14,455,356, a significant increase of 37,934 cases or 82.32% compares to 46,082 in 2011; and the total value has also increased by A$5,650,500 or 64.17% compares to A$8,804,856 in 2011.
  • 25,356 of Never Received cases with a total value of A$6,792,420, a tremendous increase of 14,436 cases or 132.20% compares to 10,920 in 2011; and the total value has also increased tremendously by A$3,828,569 or 129.18% compares to A$2,963,851 in 2011.
  • 5,189 of Fraudulent Application cases with a total value of A$3,410,995, a tremendous increase of 2,917 cases or 128.39% compares to 2,272 in 2011; and the total value has increased tremendously by A$2,456,779 or 257.47% compares to A$954,216 in 2011.
  • 37,607 of Counterfeit/ Skimming cases with a total value of A$13,065,989, a decrease of 4,197 cases or 10.04% compares to 41,804 in 2011; and the total value has also decreased by A$3,403,575 or 20.67% compares to A$16,469,564 in 2011.
  • 361,321 of Card Not Present (CNP) cases with a total value of A$72,761,292, a significant increase of 72,258 cases or 25.00% compares to 289,063 in 2011; but the total value has decreased marginally by A$911,006 or 1.24% compares to A$73,672,298 in 2011. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 69.95% contribution factor(compares to 73.42% contribution factor in 2011). Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 3,017 of Other fraud cases with a total value of A$714,071, a decrease of 548 cases or 15.37% compares to 3,565 in 2011; and the total value has decreased stagerringly by A$1,265,113 or 63.92% compares to A$1,979,184 in 2011.

In 2012, there are 682,013 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$134,177,684, a decrease of 35,767 cases or 4.98% compares to 717,780 in 2011; while the total value has decreased by A$40,110,892 or 23.01% compares to A$174,288,576 in 2011. This figure can be further brokendown as:-

  • 21,970 of Lost/ Stolen cases with a total value of A$8,328,761, a decrease of 2,140 cases or 8.88% compares to 24,110 in 2011; but the total value has increased by A$1,318,577 or 18.81% compares to A$7,010,184 in 2011.
  • 1,194 of Never Received cases with a total value of A$447,275, a significant increase of 513 cases or 75.33% compares to 681 in 2011; while the total value has also increased significantly by A$223,812 or 110.16% compares to A$223,463 in 2011.
  • 274 of Fraudulent Application cases with a total value of A$93,059, a decrease of 63 cases or 18.69% compares to 337 in 2011; while the total value has also decreased by A$28,624 or 23.52% compares to A$121,683 in 2011.
  • 45,190 of Counterfeit/ Skimming cases with a total value of A$14,632,555, a significant decrease of 80,347 cases or 64.00% compares to 125,537 in 2011; and the total value has decreased significantly by A$27,604,324 or 65.36% compares to A$42,236,879 in 2011.
  • 612,027 of Card Not Present (CNP) cases with a total value of A$110,319,894, an increase of 46,397 cases or 8.20% compares to 565,630 in 2011; but the total value has decreased by A$14,110,117 or 11.34% compares to A$124,430,011 in 2011. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 89.74% contribution factor(compares to 78.80% contribution factor in 2011). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 1,358 of Other fraud cases with a total value of A$356,140, a decrease of 127 cases or 8.55% compares to 1,485 in 2011; but the total value has increased significantly by A$89,785 or 33.71% compares to A$266,355 in 2011.

In 2012 there are 163,102 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$46,164,369. The number of fraud decreased by 50,226 cases or 23.54% compares to 213,328 cases in 2011. And the total value has also decreased by A$21,667,739 or 31.94% compares to A$67,832,108 in 2011. This figure can be further brokendown as:-

  • 12,692 of Lost/ Stolen cases with a total value of A$3,942,036, a decrease of 8,615 cases or 40.43% compares to 21,307 in 2011; and the total value has also decreased by A$2,699,262 or 40.64% compares to A$6,641,298 in 2011.
  • 334 of Never Received cases with a total value of A$71,151, a decrease of 37 cases or 9.97% compares to 371 in 2011; but the total value has increased by A$10,769 or 17.83% compares to A$60,382 in 2011.
  • 293 of Fraudulent Application cases with a total value of A$55,139, a significant decrease of 199 cases or 40.45% compares to 492 in 2011; while the total value has also decreased significantly by A$76,861 or 58.23% compares to A$132,000 in 2011.
  • 44,841 of Counterfeit/ Skimming cases with a total value of A$11,933,324, a decrease of 3,403 cases or 7.05% compares to 48,244 in 2011; and the total value has also decreased significantly by A$5,136,617 or 30.09% compares to A$17,069,941 in 2011. Although the number of cases and total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas, albeit with a much smaller 27.49% contribution factor(compares to 22.61% contribution factor in 2011).
  • 103,284 of Card Not Present (CNP) cases with a total value of A$29,642,591, a significant decrease of 37,832 cases or 26.81% compares to 141,116 in 2011; and the total value has also decreased significantly by A$13,651,072 or 31.53% compares to A$43,293,663 in 2011. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 63.32% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,658 of Other fraud cases with a total value of A$520,128, an decrease of 140 cases or 7.79% compares to 1,798 in 2011; while the total value has decreased by A$114,695 or 18.07% compares to A$634,823 in 2011.


Credit Cards in Australia 2010-2011

In accordance to RBA credit and charge card statistics, there are 14,807,113 of cardholders in Australia as at December 2010. As of December 2011, there are 14,998,347 of cardholders in Australia. This shown the number of cardholders has increased by 191,234 or 1.29% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2010 is A$239.48 billion(1,600,898,000 number of transactions), with rollover balance of A$49.27 billion. The A$239.48 billion transactions are made up of A$11.12 billion cash advances(27,941,000 number of transactions) and A$228.36 billion purchases(1,572,957,000 number of transactions).
Whereas the total card transactions for year 2011 is A$249.64 billion(1,688,590,000 number of transactions), with rollover balance of A$50.34 billion. The A$249.64 billion transactions are made up of A$10.12 billion cash advances(26,106,000 number of transactions) and A$239.52 billion purchases(1,662,484,000 number of transactions).
Overall, the total card transactions increased by 4.24%, and rollover balance increased by 2.17% in 12 months period. The cash advances transaction has decreased by 8.99% while the purchases transaction has increased by 4.89% in the same period.
The average value per purchase transaction has decreased from A$145.18 in 2010 to A$144.07 in 2011, which means credit and charge card is used for slightly smaller amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2010 is A$134.07 billion. As at December 2011, the total credit limits in Australia is A$136.91 billion. An increased of A$2.84 billion or 2.07% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2011, 84.1%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 15.9% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 19.9% in total during the same period while the rest of the purchases, 80.1% are made with MasterCard and Visa.

Credit Cards Fraud in Australia 2010-2011
In 2011, there are 1,112,464 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$278,289,427. The number of fraud increased staggeringly by 348,295 cases or 45.58% compares to 764,169 cases in 2010. The total value has increased tremendously as well by A$94,261,635 or 51.22% compares to A$184,027,792 in 2010.
There are 397,223 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$105,052,436, a significant increase of 118,339 cases or 42.43% compares to 278,884 in 2010; while the total value has increased significantly by A$34,220,427 or 48.31% compares to A$70,832,009 in 2010. This figure can be further brokendown as:-

  • 46,000 of Lost/ Stolen cases with a total value of A$8,790,181, a significant increase of 10,787 cases or 30.63% compares to 35,213 in 2010; and the total value has also increased by A$1,269,366 or 16.88% compares to A$7,520,815 in 2010.
  • 10,808 of Never Received cases with a total value of A$2,924,184, a significant increase of 3,029 cases or 38.94% compares to 7,779 in 2010; and the total value has also increased staggeringly by A$942,311 or 47.55% compares to A$1,981,873 in 2010.
  • 2,044 of Fraudulent Application cases with a total value of A$854,593, an increase of 74 cases or 3.76% compares to 1,970 in 2010; but the total value has decreased by A$58,448 or 6.40% compares to A$913,041 in 2010.
  • 41,915 of Counterfeit/ Skimming cases with a total value of A$16,420,758, a significant increase of 11,751 cases or 38.96% compares to 30,164 in 2010; and the total value has also increased significantly by A$3,549,126 or 27.57% compares to A$12,871,632 in 2010.
  • 292,853 of Card Not Present (CNP) cases with a total value of A$74,078,942, a staggering increase of 91,775 cases or 45.64% compares to 201,078 in 2010; and the total value has also increased significantly by A$27,431,818 or 58.81% compares to A$46,647,124 in 2010. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 73.73% contribution factor(compares to 72.10% contribution factor in 2010). A worrying, alarming sign considering with the constant, huge increase year-by-year in CNP fraud cases. Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 3,603 of Other fraud cases with a total value of A$1,983,778, an increase of 923 cases or 34.44% compares to 2,680 in 2010; and the total value has increased tremendously by A$1,086,254 or 121.03% compares to A$897,524 in 2010.

In 2011, there are 715,241 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$173,236,992, a significant increase of 229,956 cases or 47.39% compares to 485,285 in 2010; while the total value has increased by A$60,041,209 or 53.04% compares to A$113,195,783 in 2010. This figure can be further brokendown as:-

  • 24,053 of Lost/ Stolen cases with a total value of A$6,964,557, an increase of 418 cases or 1.77% compares to 23,635 in 2010; and the total value has also increased by A$1,458,915 or 26.50% compares to A$5,505,642 in 2010.
  • 683 of Never Received cases with a total value of A$224,445, an increase of 90 cases or 15.18% compares to 593 in 2010; while the total value has decreased by A$288,637 or 56.26% compares to A$513,082 in 2010.
  • 326 of Fraudulent Application cases with a total value of A$121,383, an increase of 10 cases or 3.16% compares to 316 in 2010; while the total value has also decreased by A$25,989 or 17.63% compares to A$147,372 in 2010.
  • 125,590 of Counterfeit/ Skimming cases with a total value of A$42,228,622, an alarming increase of 70,208 cases or 126.77% compares to 55,382 in 2010; and the total value has increased tremendously by A$20,220,610 or 91.88% compares to A$22,008,012 in 2010.
  • 563,102 of Card Not Present (CNP) cases with a total value of A$123,431,555, a significant increase of 158,512 cases or 39.18% compares to 404,590 in 2010; and the total value has also increased by A$38,668,864 or 45.62% compares to A$84,762,691 in 2010. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 78.73% contribution factor(compares to 83.37% contribution factor in 2010). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 1,487 of Other fraud cases with a total value of A$266,430, a significant increase of 718 cases or 93.37% compares to 769 in 2010; while the total value has decreased by A$7,446 or 2.88% compares to A$258,984 in 2010.

In 2011 there are 208,106 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$67,089,776. The number of fraud increased by 12,286 cases or 6.27% compares to 195,820 cases in 2010. And the total value has also increased by A$2,386,310 or 3.69% compares to A$64,703,466 in 2010. This figure can be further brokendown as:-

  • 21,258 of Lost/ Stolen cases with a total value of A$6,542,424, an increase of 2,785 cases or 15.08% compares to 18,473 in 2010; and the total value has also increased by A$895,970 or 15.87% compares to A$5,646,454 in 2010.
  • 374 of Never Received cases with a total value of A$61,506, a decrease of 1,489 cases or 79.92% compares to 1,863 in 2010; and the total value has also decreased by A$509,432 or 89.23% compares to A$570,938 in 2010.
  • 487 of Fraudulent Application cases with a total value of A$129,904, an increase of 133 cases or 37.57% compares to 354 in 2010; while the total value has decreased by A$8,262 or 5.98% compares to A$138,166 in 2010.
  • 47,986 of Counterfeit/ Skimming cases with a total value of A$17,038,761, a decrease of 35,644 cases or 42.62% compares to 83,630 in 2010; and the total value has also decreased by A$10,930,945 or 39.08% compares to A$27,969,706 in 2010. Although the number of cases and total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas, albeit with a much smaller 23.06% contribution factor(compares to 42.71% contribution factor in 2010).
  • 136,246 of Card Not Present (CNP) cases with a total value of A$42,687,479, a significant increase of 46,352 cases or 51.56% compares to 89,894 in 2010; and the total value has also increased by A$13,020,783 or 43.89% compares to A$29,666,696 in 2010. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 65.47% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,755 of Other fraud cases with a total value of A$629,702, an increase of 149 cases or 9.28% compares to 1,606 in 2010; while the total value has decreased by A$81,804 or 11.50% compares to A$711,506 in 2010.


Credit Cards in Australia 2009-2010

In accordance to RBA credit and charge card statistics, there are 14,427,859 of cardholders in Australia as at December 2009. As of December 2010, there are 14,807,113 of cardholders in Australia. This shown the number of cardholders has increased by 379,254 or 2.63% in 12 months period.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2009 is A$225.76 billion(1,510,642,000 number of transactions), with rollover balance of A$46.91 billion. The A$225.76 billion transactions are made up of A$11.43 billion cash advances(29,867,000 number of transactions) and A$214.33 billion purchases(1,480,775,000 number of transactions).
Whereas the total card transactions for year 2010 is A$239.48 billion(1,600,898,000 number of transactions), with rollover balance of A$49.27 billion. The A$239.48 billion transactions are made up of A$11.12 billion cash advances(27,941,000 number of transactions) and A$228.36 billion purchases(1,572,957,000 number of transactions).
Overall, the total card transactions increased by 6.08%, and rollover balance increased by 5.03% in 12 months period. The cash advances transaction has decreased by 2.71% while the purchases transaction has increased by 6.55% in the same period.
The average value per purchase transaction has increased from A$144.74 in 2009 to A$145.18 in 2010, which means credit and charge card is used for slightly larger amount purchases.
The amount of credit limits issued for credit and charge card in Australia as at December 2009 is A$127.11 billion. As at December 2010, the total credit limits in Australia is A$134.07 billion. An increased of A$6.96 billion or 5.48% is observed.

Market Share(purchases percentage) for Credit and Charge Card
For December 2010, 84.8%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 15.2% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 19.3% in total during the same period while the rest of the purchases, 80.7% are made with MasterCard and Visa.

Credit Cards Fraud in Australia 2009-2010
In 2010, there are 764,169 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$184,027,792. The number of fraud increased significantly by 165,963 cases or 27.74% compares to 598,206 cases in 2009. The total value has increased significantly as well by A$37,244,253 or 25.37% compares to A$146,783,539 in 2009.
There are 278,884 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$70,832,009, an increase of 78,678 cases or 39.30% compares to 200,206 in 2009; while the total value has decreased by A$10,600,939 or 17.60% compares to A$60,231,070 in 2009. This figure can be further brokendown as:-

  • 35,213 of Lost/ Stolen cases with a total value of A$7,520,815, a decrease of 1,747 cases or 4.73% compares to 36,960 in 2009; and the total value has also decreased by A$100,082 or 1.31% compares to A$7,620,897 in 2009.
  • 7,779 of Never Received cases with a total value of A$1,981,873, a decrease of 2,798 cases or 26.45% compares to 10,577 in 2009; and the total value has also decreased by A$772,816 or 28.05% compares to A$2,754,689 in 2009.
  • 1,970 of Fraudulent Application cases with a total value of A$913,041, a decrease of 849 cases or 30.12% compares to 2,819 in 2009; and the total value has also decreased by A$678,294 or 42.62% compares to A$1,591,335 in 2009.
  • 30,164 of Counterfeit/ Skimming cases with a total value of A$12,871,632, an increase of 349 cases or 1.17% compares to 29,815 in 2009; but the total value has decreased by A$2,175,802 or 14.46% compares to A$15,047,434 in 2009.
  • 201,078 of Card Not Present (CNP) cases with a total value of A$46,647,124, a significant increase of 85,402 cases or 73.83% compares to 115,676 in 2009; and the total value has also increased significantly by A$14,990,887 or 47.36% compares to A$31,656,237 in 2009. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 72.10% contribution factor(compares to 57.78% contribution factor in 2009). A worrying sign considering with the constant, huge increase year-by-year in CNP fraud cases. Nevertheless, this is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 2,680 of Other fraud cases with a total value of A$897,524, an increase of 1,679 cases or 38.52% compares to 4,359 in 2009; while the total value has decreased by A$662,954 or 42.48% compares to A$1,560,478 in 2009.

In 2010, there are 485,285 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$113,195,783, a significant increase of 87,285 cases or 21.93% compares to 398,000 in 2009; while the total value has increased by A$26,643,314 or 30.78% compares to A$86,552,469 in 2009. This figure can be further brokendown as:-

  • 23,635 of Lost/ Stolen cases with a total value of A$5,505,642, a decrease of 2,562 cases or 9.78% compares to 26,197 in 2009; and the total value has also decreased by A$50,610 or 0.91% compares to A$5,556,252 in 2009.
  • 593 of Never Received cases with a total value of A$513,082, a decrease of 423 cases or 41.63% compares to 1,016 in 2009; while the total value has increased by A$211,938 or 70.38% compares to A$301,144 in 2009.
  • 316 of Fraudulent Application cases with a total value of A$147,372, a decrease of 721 cases or 69.53% compares to 1,037 in 2009; and the total value has also decreased by A$7,998 or 5.15% compares to A$155,370 in 2009.
  • 55,382 of Counterfeit/ Skimming cases with a total value of A$22,008,012, an increase of 11,876 cases or 27.30% compares to 43,506 in 2009; while the total value has decreased by A$593,492 or 2.63% compares to A$22,601,504 in 2009.
  • 404,590 of Card Not Present (CNP) cases with a total value of A$84,762,691, a significant increase of 79,297 cases or 24.38% compares to 325,293 in 2009; and the total value has also increased by A$27,097,361 or 46.99% compares to A$57,665,330 in 2009. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 83.37% contribution factor(compares to 81.73% contribution factor in 2009). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 769 of Other fraud cases with a total value of A$258,984, a decrease of 182 cases or 19.14% compares to 951 in 2009; while the total value has decreased by A$13,886 or 5.09% compares to A$272,870 in 2009.

In 2010 there are 195,820 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$64,703,466. The number of fraud decreased by 38,745 cases or 16.52% compares to 234,565 cases in 2009. And the total value has also decreased by A$9,681,667 or 13.02% compares to A$74,385,133 in 2009. This figure can be further brokendown as:-

  • 18,473 of Lost/ Stolen cases with a total value of A$5,646,454, a decrease of 9,853 cases or 34.78% compares to 28,326 in 2009; and the total value has also decreased by A$2,201,481 or 28.05% compares to A$7,847,935 in 2009.
  • 1,863 of Never Received cases with a total value of A$570,938, a decrease of 268 cases or 12.58% compares to 2,131 in 2009; and the total value has also decreased by A$33,671 or 5.57% compares to A$604,609 in 2009.
  • 354 of Fraudulent Application cases with a total value of A$138,166, a decrease of 271 cases or 43.36% compares to 625 in 2009; and the total value has also decreased by A$83,844 or 37.77% compares to A$222,010 in 2009.
  • 83,630 of Counterfeit/ Skimming cases with a total value of A$27,969,706, a decrease of 26,091 cases or 23.78% compares to 109,721 in 2009; and the total value has also decreased by A$12,841,901 or 31.47% compares to A$40,811,607 in 2009. Although the number of cases and total value continue to decrease, Counterfeit/ Skimming continues to be the second major category of fraud cases perpetrated in Australia on cards issued overseas with 42.71% contribution factor(compares to 46.78% contribution factor in 2009).
  • 89,894 of Card Not Present (CNP) cases with a total value of A$29,666,696, a decrease of 264 cases or 0.29% compares to 90,158 in 2009; while the total value has increased by A$5,530,879 or 22.92% compares to A$24,135,817 in 2009. Card Not Present (CNP) cases becomes the the major category of fraud cases perpetrated in Australia on cards issued overseas with 45.91% contribution factor. The Card Not Present (CNP) cases has clearly becoming the biggest threat and most popular cards fraud method in Australia.
  • 1,606 of Other fraud cases with a total value of A$711,506, a decrease of 1,998 cases or 55.44% compares to 3,604 in 2009; while the total value has decreased by A$51,649 or 6.77% compares to A$763,155 in 2009.


Credit Cards in Australia 2008-2009

In accordance to RBA credit and charge card statistics, there are 14,223,670 of cardholders in Australia as at December 2008. As of December 2009, there are 14,427,859 of cardholders in Australia. This shown the number of cardholders has increased by 204,189 or 1.44% in 12 months period. The low volume increase is inline with the financial sector crisis in 2009, where credit card issuers are prudent in issuing new cards as well as closure of some old accounts.

Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2008 is A$220.18 billion with rollover balance of A$44.74 billion. The A$220.18 billion transactions are made up of A$12.92 billion cash advances and A$207.26 billion purchases.
Whereas the total card transactions for year 2009 is A$225.76 billion, with rollover balance of A$46.91 billion. The A$225.76 billion transactions are made up of A$11.43 billion cash advances and A$214.33 billion purchases.
Overall, the total card transactions increased by 2.53%, and rollover balance increased by 4.85% in 12 months period. The cash advances transaction has decreased significantly by 11.46% while the purchases transaction has increased by 3.42% in the same period.
The amount of credit limits issued for credit and charge card in Australia as at December 2008 is A$122.43 billion. As at December 2009, the total credit limits in Australia is A$127.11 billion. An increased of A$4.68 billion or 3.82% is observed.

For December 2009, 85.5%(in numbers) of purchases are made with MasterCard and Visa while the rest of purchases, 14.5% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club with 18.5% in total during the same period while the rest of the purchases, 81.5% are made with MasterCard and Visa.

Credit Card Interest Rate
The credit card issuers in Australia has been actively lowering their credit cards interest rate, in tandem with the RBA monetary policy during the financial crisis. This is an encouraging scene if compares to credit card issuers in other countries. It is also known that Australian has the preferences for low interest credit cards in comparison to to other categories when they shop for a credit card.

Financial Crisis and Credit Cards
During financial crisis, the credit card issuers are extra cautious in issuing new credit cards. However, if compared to other regions(where new credit cards issuance are freeze and old accounts are closed or reduced in credit limits), Australian are considered lucky with ample choice and selection when it comes to online credit card comparisons and applications.
We've a decent number of credit card issuers participating in Australia to acquire new credit card customers. You'll be able to find interesting credit deals/offers such as low interest credit cards with 0% balance transfer as well as rewards credit cards that suit your lifestyle on this site. Make the right choice and you could save thousands on credit card fees, while enjoying the generous rewards.
And make sure you move quickly to get one as the offer may not last foerver considering the volatile economy may continue for months(if not years) to come.

Credit Cards Fraud in Australia 2008-2009
In 2009, there are 598,206 cases of credit and charge card fraud perpetrated in Australia and overseas on Australian-issued cards, with a total value of A$146,783,539. The number of fraud increased significantly by 185,638 cases or 45% compares to 412,568 cases in 2008. However, the total value has only increased slightly by A$65,479 or 0.04% compares to A$146,718,060 in 2008.
There are 200,206 fraud cases perpetrated in Australia on Australian-issued cards with a total value of A$60,231,070, an increase of 24,846 cases or 14.17% compares to 175,360 in 2008; while the total value has decreased by A$4,843,856 or 7.44% compares to A$65,074,926 in 2008. This figure can be further brokendown as:-

  • 36,960 of Lost/ Stolen cases with a total value of A$7,620,897, a decrease of 4,843 cases or 11.59% compares to 41,803 in 2008; and the total value has also decreased by A$2,438,066 or 24.24% compares to A$10,058,963 in 2008.
  • 10,577 of Never Received cases with a total value of A$2,754,689, a decrease of 762 cases or 6.72% compares to 11,339 in 2008; and the total value has also decreased by A$442,993 or 13.85% compares to A$3,197,682 in 2008.
  • 2,819 of Fraudulent Application cases with a total value of A$1,591,335, a decrease of 515 cases or 15.45% compares to 3,334 in 2008; and the total value has also decreased by A$12,787 or 0.80% compares to A$1,604,122 in 2008.
  • 29,815 of Counterfeit/ Skimming cases with a total value of A$15,047,434, a decrease of 4,850 cases or 13.99% compares to 34,665 in 2008; and the total value has also decreased by A$6,384,186 or 29.79% compares to A$21,431,620 in 2008.
  • 115,676 of Card Not Present (CNP) cases with a total value of A$31,656,237, a significant increase of 35,033 cases or 43.44% compares to 80,643 in 2008; and the total value has also increased by A$4,924,106 or 18.42% compares to A$26,732,131 in 2008. CNP continues to be the major category of fraud cases perpetrated in Australia on Australian-issued cards with 57.78% contribution factor(compares to 45.99% contribution factor in 2008). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 4,359 of Other fraud cases with a total value of A$1,560,478, an increase of 819 cases or 22.90% compares to 3,576 in 2008; while the total value has decreased by A$543,930 or 26.53% compares to A$2,050,408 in 2008.

In 2009, there are 398,000 fraud cases perpetrated overseas on Australian-issued cards with a total value of A$86,552,469, a significant increase of 160,792 cases or 67.79% compares to 237,208 in 2008; while the total value has increased by A$4,909,335 or 6.01% compares to A$81,643,134 in 2008. This figure can be further brokendown as:-

  • 26,197 of Lost/ Stolen cases with a total value of A$5,556,252, a significant increase of 10,101 cases or 62.75% compares to 16,096 in 2008; while the total value has decreased by A$240,114 or 4.14% compares to A$5,796,366 in 2008.
  • 1,016 of Never Received cases with a total value of A$301,144, a decrease of 69 cases or 6.36% compares to 1,085 in 2008; while the total value has increased by A$9,718 or 3.33% compares to A$291,426 in 2008.
  • 1,037 of Fraudulent Application cases with a total value of A$155,370, an increase of 344 cases or 49.64% compares to 693 in 2008; and the total value has also increased by A$3,506 or 2.21% compares to A$158,876 in 2008.
  • 43,506 of Counterfeit/ Skimming cases with a total value of A$22,601,504, an increase of 1,769 cases or 4.31% compares to 41,710 in 2008; while the total value has decreased by A$6,127,428 or 21.33% compares to A$28,728,932 in 2008.
  • 325,293 of Card Not Present (CNP) cases with a total value of A$57,665,330, a significant increase of 149,745 cases or 85.30% compares to 175,548 in 2008; and the total value has also increased by A$11,637,822 or 25.28% compares to A$46,027,508 in 2008. CNP continues to be the major category of fraud cases perpetrated overseas on Australian-issued cards with 81.73% contribution factor(compares to 74% contribution factor in 2008). This is inline with the robust online shopping activities where there is no physical present of the card is required.
  • 951 of Other fraud cases with a total value of A$272,870, a decrease of 1,125 cases or 54.19% compares to 2,076 in 2008; while the total value has decreased by A$367,156 or 57.37% compares to A$640,026 in 2008.

In 2009, there are 234,565 cases of fraud perpetrated in Australia on cards issued overseas, with a total value of A$74,385,133. The number of fraud decreased significantly by 96,751 cases or 29.20% compares to 331,316 cases in 2008. And the total value has also decreased significantly by A$44,982,041 or 37.68% compares to A$119,367,174 in 2008. This figure can be further brokendown as:-

  • 28,326 of Lost/ Stolen cases with a total value of A$7,847,935, a decrease of 3,652 cases or 11.42% compares to 31,978 in 2008; and the total value has also decreased by A$2,391,947 or 23.36% compares to A$10,239,882 in 2008.
  • 2,131 of Never Received cases with a total value of A$604,609, a decrease of 401 cases or 15.84% compares to 2,532 in 2008; and the total value has also decreased by A$101,685 or 14.42% compares to A$706,474 in 2008.
  • 625 of Fraudulent Application cases with a total value of A$222,010, a decrease of 435 cases or 41.04% compares to 1,060 in 2008; and the total value has also decreased almost by half to A$210,656 or 48.69% compares to A$432,666 in 2008.
  • 109,721 of Counterfeit/ Skimming cases with a total value of A$40,811,607, a decrease of 91,492 cases or 45.47% compares to 201,213 in 2008; and the total value has also decreased by A$37,470,482 or 47.87% compares to A$78,282,089 in 2008. Even though the number of cases and total value has decrease significantly, almost by half, Counterfeit/ Skimming continues to be the major category of fraud cases perpetrated in Australia on cards issued overseas with 46.78% contribution factor(compares to 60.73% contribution factor in 2008).
  • 90,158 of Card Not Present (CNP) cases with a total value of A$24,135,817, a decrease of 1,505 cases or 1.64% compares to 91,663 in 2008; and the total value has also decreased by A$4,665,121 or 16.20% compares to A$28,800,938 in 2008.
  • 3,604 of Other fraud cases with a total value of A$763,155, an increase of 734 cases or 25.57% compares to 2,870 in 2008; while the total value has decreased by A$141,970 or 15.69% compares to A$905,125 in 2008.



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