在官方降息预期的推动下，澳大利亚银行在 2023 年底提高了信用卡利率。 Australian banks increased credit card interest rates in late 2023, amidst expectations of official rate cuts.

尽管有官方降息的预期，澳大利亚各大银行却悄悄提高了信用卡利率。 Australia's big banks have quietly increased credit card interest rates despite expectations of official rate cuts. 据 Mozo.com.au 称，自 2023 年底以来，低利率和高利率奖励卡的利率均有所上涨，自 9 月份以来利率上涨了 0.5% 至 1.25%。 According to Mozo.com.au, both low-rate and high-interest reward cards have risen since late 2023, with rates increasing between 0.5% and 1.25% since September. 奖励计划价值的下降归因于“先买后付”服务的增长，该服务减少了银行从信用卡获得的利息收入。 The decline in the value of rewards programs is attributed to the growth of Buy Now Pay Later services, which has reduced banks' interest earnings from credit cards.