Australians absolutely have credit cards. The previous poster seems to be getting their information from a single Aussie in some sort of echo chamber.

I couldn’t find numbers specifically for the percentage of people who have at least one card, but the total number of CC accounts indicates that it’s likely that almost every working adult has one. That being said, credit card usage is low compared to other countries, I suspect because the government made the banks get together and create a universal electronic payment network in the 1980s, and we’ve all been used to paying virtually anywhere with our regular ATM cards, direct from our normal bank accounts, for decades. Credit cards are primarily used for, y’know, credit, and not just everyday transactions.

Side note: I live overseas from where I grew up, and I frequently run into fellow (usually young) immigrants who will confidently tell the locals half-truths and outright falsehoods about their home countries based on their limited experience with the world. Living with one small group of people in one part of one town doesn’t give you a full understanding of everyone in your whole country.