澳大利亚从2024年10月1日起禁止对Eftpos、Visa、Mastercard、American Express、JCB和UnionPay等支付方式收取手续费1。这一改革预计每年为消费者节省16亿澳元，同时交换费上限也将从0.8%下调至0.3%，小企业预计因此节省9.1亿澳元1。
为弥补因手续费取消和交换费下降造成的收入损失，澳大利亚主要银行已经开始调整收费政策1。澳新银行取消了首年年费200澳元的信用优惠，并将常旅客积分奖励下降50000分1。西太平洋银行提高了信用卡利率并增加年费，澳大利亚国民银行的信用卡利率上升1.5%1。圣乔治银行将Amplify Qantas Platinum信用卡的年费提高至125澳元，购物免息期缩短了10天1。西太平洋银行、汇丰、MyCard和BOQ等多家银行已从9月30日起调整或计划调整各项优惠条款1。
澳大利亚国民银行主管Simon Birmingham表示，澳大利亚交换费已是全球最低水平之一1。
Starting October 1, 2024, Australia will prohibit merchants from charging surcharges on credit and debit card transactions across Eftpos, Visa, Mastercard, American Express, JCB, and UnionPay payments 1. The regulatory change is expected to save consumers approximately 16 billion Australian dollars annually, while simultaneously reducing interchange fees from 0.8% to 0.3%, providing small businesses with an estimated 9.1 billion dollars in savings 1.
However, the cost relief for consumers and businesses comes with trade-offs, as financial institutions have begun offsetting revenue losses through alternative measures 1. Banks including Westpac, ANZ, HSBC, MyCard, and BOQ have already adjusted or announced plans to modify their card benefits effective September 30 or shortly thereafter 1. ANZ eliminated the first-year annual fee waiver on a premium credit card that previously cost 200 Australian dollars and reduced frequent flyer points rewards by 50,000 1. Westpac increased credit card interest rates and annual fees, while National Australia Bank raised its credit card rates by 1.5% 1. St George Bank raised the annual fee on its Amplify Qantas Platinum card to 125 Australian dollars and shortened the interest-free shopping period by 10 days 1.
The Australian interchange fee levels now rank among the lowest globally 1. By comparison, the European Union caps debit card fees at 0.2% and credit card fees at 0.3%, while United States interchange fees typically range from 1.15% to 3.3% plus fixed transaction amounts 1.
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