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Debit Cards in Australia

Publisher Euromonitor International
Published Jan 14, 2026
Length 20 Pages
SKU # EP20773043

Description

Debit cards saw an increase in both circulation and transactions in Australia in 2025, as they remain a convenient method of payment with no debt risk, unlike credit cards. Australia is increasingly becoming a cashless society, particularly since the COVID-19 pandemic.

Euromonitor International's Debit Card Transactions in Australia report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Commercial Debit Card Transactions, Personal Debit Card Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Debit Card Transactions market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

20 Pages
Debit Cards in Australia
Euromonitor International
January 2026
List Of Contents And Tables
DEBIT CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Debit cards benefit from being seen as low risk
INDUSTRY PERFORMANCE
Debit cards continue to experience an increase in usage as a key payment method
Move towards cashless society benefits debit cards in particular
WHAT’S NEXT?
Debit card usage expected to see growth, with consumer spending forecast to increase
Reserve Bank of Australia recommends removal of surcharges on card payments
Feature-focused innovation to remain the focus of major banks
COMPETITIVE LANDSCAPE
Major banks continue to consolidate position by focusing on consumer needs
Mastercard debit cards enjoys growth in 2025
CATEGORY DATA
Table 1 Debit Cards: Number of Cards in Circulation 2020-2025
Table 2 Debit Cards Transactions 2020-2025
Table 3 Debit Cards in Circulation: % Growth 2020-2025
Table 4 Debit Cards Transactions: % Growth 2020-2025
Table 5 Debit Cards: Number of Cards by Issuer 2020-2024
Table 6 Debit Cards: Number of Cards by Operator 2020-2024
Table 7 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 8 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 9 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 10 Forecast Debit Cards Transactions 2025-2030
Table 11 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 12 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
FINANCIAL CARDS AND PAYMENTS IN AUSTRALIA
EXECUTIVE SUMMARY
BNPL poses challenge to credit cards
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Steady flow of new debit cards offsets decline in cards in circulation in other categories
Cautious consumer behaviour impacts overall spending
Increasing proportion of consumers make remote card payments
WHAT’S NEXT?
Debit cards will remain a key payment method in the years ahead
Cash payments will likely continue to decline
Ban on card surcharges on the horizon
COMPETITIVE LANDSCAPE
‘Big Four’ banks maintain their dominance in 2025
Visa remains the largest issuer, but Qantas sees rapid growth
MARKET INDICATORS
Table 13 Number of POS Terminals: Units 2020-2025
Table 14 Number of ATMs: Units 2020-2025
Table 15 Value Lost to Fraud 2020-2025
Table 16 Card Expenditure by Location 2025
Table 17 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 18 Domestic versus Foreign Spend 2025
MARKET DATA
Table 19 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 20 Financial Cards by Category: Number of Accounts 2020-2025
Table 21 Financial Cards Transactions by Category: Value 2020-2025
Table 22 Financial Cards by Category: Number of Transactions 2020-2025
Table 23 Consumer Payments by Category: Value 2020-2025
Table 24 Consumer Payments by Category: Number of Transactions 2020-2025
Table 25 M-Commerce by Category: Value 2020-2025
Table 26 M-Commerce by Category: % Value Growth 2020-2025
Table 27 Financial Cards: Number of Cards by Issuer 2020-2024
Table 28 Financial Cards: Number of Cards by Operator 2020-2024
Table 29 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 30 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 31 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 32 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 33 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 34 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 35 Forecast Consumer Payments by Category: Value 2025-2030
Table 36 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 37 Forecast M-Commerce by Category: Value 2025-2030
Table 38 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources

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