Average Australian Credit Card Balance Dec 2015


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Australian Credit Card Financial Statistics December 2015.

The average outstanding balance of credit cards attracting interest charges in December 2015 was $1,956. This is the lowest December balance since 2005.

The average Credit Card spend per month, per card, was $1,725 in December 2015.

The average Credit Card transaction value was $123 in December 2015, the lowest December figure since 2002.

The average credit card limit was $9,073 in December 2015

There were 16,410,978 credit card accounts in December 2015


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The average Total credit card balance was $3,172 in December 2015, but this included the accounts that are paid in full at the end of each statement period.

Only about 35.0% of credit card limits were being used in December 2015.

Average Australian Balance of Credit Cards Accruing Interest.

Dec-2002 $1,540
Dec-2003 $1,671
Dec-2004 $1,775
Dec-2005 $1,920
Dec-2006 $2,055
Dec-2007 $2,159
Dec-2008 $2,272
Dec-2009 $2,303
Dec-2010 $2,399
Dec-2011 $2,407
Dec-2012 $2,329
Dec-2013 $2,160
Dec-2014 $2,105
Dec-2015 $1,956

Average Australian Credit Card spend in the month.

Dec-2002 $1,207
Dec-2003 $1,334
Dec-2004 $1,397
Dec-2005 $1,297
Dec-2006 $1,292
Dec-2007 $1,383
Dec-2008 $1,479
Dec-2009 $1,526
Dec-2010 $1,545
Dec-2011 $1,505
Dec-2012 $1,531
Dec-2013 $1,659
Dec-2014 $1,766
Dec-2015 $1,725

Average Australian Credit Card Individual Transaction Value.

Dec-2002 $123
Dec-2003 $126
Dec-2004 $129
Dec-2005 $132
Dec-2006 $136
Dec-2007 $142
Dec-2008 $142
Dec-2009 $143
Dec-2010 $142
Dec-2011 $139
Dec-2012 $134
Dec-2013 $132
Dec-2014 $128
Dec-2015 $123

Source: Credit and Charge Card Statistics – C1 www.rba.gov.au
Australia Credit Card Balances History.xlsx

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