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Credit Card FAQs

First, interest fee. Providers will only charge interest if you do not pay your bill in full.

Second, annual fee. This fee is charged for maintenances and services provided by the providers. However, some banks waive this fee in the first year to attract potential customers.

Third, withdrawal fee. You can use your credit card to withdraw cash from ATM, but you will be charged around 3-6% from amount you withdraw or Rp 50.000 (depends on which one is highest)

Fourth, late payment charge. If you fail to pay the minimum repayment amount of 10% before the payment deadline, the bank will charge you for making late payments. Late payment fee are typically charged around Rp. 100,000,- however this amount may varies for each bank.

Fifth, credit card bill printing fee. Providers will charge you a printing fee for printing your credit card bill. However, you can ask providers to send it paperless via E-mail if you are more comfortable with electronic bills.

Sixth, stamp duty fee. If you are making a purchase from Rp 250.000 to Rp 1.000.000, the bank will charge you Rp 3.000 for stamp duty, and Rp 6.000 if you are making purchases above Rp 1.000.000.

Every credit card has a ceiling ? a limit on the amount transactions charged on it. The ceiling depends on various things, including type of credit card you apply for, annual salary, and historical information from previous card usage. Banks usually grant a credit limit of 1-2 times your monthly income, but this is dependent on credit card issuers, and can be more or less than what you expect.

Every credit card is equipped with security systems to verify every transaction. There are currently two types of verification process in Indonesia, signature proof and 6-Digit PIN. In 2020, all verification must be done by inserting 6-Digit PIN to EDC machine. If your credit card is missing, tell your bank immediately and the bank will block your credit card. If you are charged with something you did not buy, you can request the bank to block the payment process.

Based on Bank Indonesia regulations, credit card applicants must be at least 21 years old and earn a minimum of Rp 3,000,000 (three million rupiahs) per month. You are suggested to get a credit card once you have steady income. You need to be smart in using the card. Do not treat the availability of a credit card as a chance to buy anything you want without strong financial capability.

Every bank has a variety of credit cards with different offers, including ceiling and promotions. First, you need to know which type of credit card you need. Then, choose the offers that suit your ability and need. For more help, click on's comparison tool to know which credit cards suit your needs.
Bank Indonesia regulations state that those with monthly incomes of Rp 3,000,000 (three million rupiahs) up to Rp 10,000,000 (ten million rupiahs) per month might only have a maximum of two credit cards. The credit card ceiling for those in this income bracket is three time of income in order to prevent bad credit. Remember, the more credit cards you have, the more annual fee you need to pay. Choose card that you think will be used frequently and gives you the most benefits, depending on your lifestyle.
That depends on your ability to pay credit card bills, and your needs. For example, if you have your own business, you can use one credit card for your business, and the other for your personal needs. If you are not a frequent traveller, then applying for a credit card with airmiles rewards might not be beneficial for you.
Cashback is a type of reward that credit card issuers offer. It lets you earn a percentage of the amount you spend using your credit card from regular purchases, or purchases from a specific merchant or establishment. These can be in the form of rebates, cash coupons, or a direct credit to your account?depending on your credit card provider. Some credit cards give out up to 5% cashback, and some offer the cashback as an incentive to cardholders to spend and use their credit cards more.

Whenever you spend money using your credit card, a cashback card will return a percentage of your spending at the end of the month?thus, known as the ?cashback? feature. The more you spend within your billing cycle, the bigger the cashback you receive.

This cashback is either directly credited to your account as a rebate, or come in the form of cash vouchers you can claim from the bank. The amount of cashback you receive depends on your credit card provider. Some offer 2% cash back, and others offer up to 5% cashback on specific purchases, such as petrol or groceries.

Cashback cards work best if you repay your credit card dues in full every month! If you miss payments, you have to pay a late payment fee, plus other fees, charges, and increased interest that will be rendered moot when you receive your cashback. Thus, to enjoy the best out of your cashback cards, always pay your credit card bills in full and on time! Not only will you get to enjoy a great cashback reward, you?ll also be living debt free!
A dining credit card gives you bigger rewards and discounts in restaurants, cafes, bars, pubs, diners, and food establishments in Indonesia and even abroad. The more you use your card, the more dining rewards, points, discounts, and other promos you earn and qualify for. You get even more points when your card provider is partnered with a specific restaurant. You can even be able to claim a free meal!

Much like other rewards cards, dining cards reward you with points every time you use your credit card to pay for goods and services. Points can be doubled when you use your credit card to dine at a specific restaurant or a group of restaurants partnered with your credit card provider. The more you spend, the more points you earn, and the more dining rewards, discounts, and promotions you?ll be eligible for! Just use your credit card when you go out to shop and watch your dining points rack up for a free meal or two!

Take advantage of your dining rewards card by signing up for one that has a welcome or sign-up bonus! You can get more rewards points, promos, and discounts, and all you have to do is spend a minimum amount in the first few months upon receiving your credit card.

It's easy: Just use your credit card to automatically pay for your bills and other regular household expenses, such as groceries, the rent, and so forth. Use your dining credit card when you eat out with your friends or family and rack in the points. With enough dining rewards points, you can even use it for a dinner for two at a fancy restaurant!

Many credit cards on the market today come with special programs that pay off with cool rewards the more you charge your purchases. Travel credit cards are unique in that your purchases add up to rewards that let you travel more! These kinds of cards are perfect for people who travel all over the world every year, including businessmen and tourists.
Many travel credit cards available today are co-branded with airlines, particularly air carriers that are active in your area. The points you earn are valid only for trips through the airlines supported by your card, with your card provider dictating the terms and conditions of redeeming your air miles. Some cards come with other benefits to ease your travel experience, such as airport lounge access or bonus points for first-time applicants.

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Testimonial person
Credit card is the approriate solution in the globalized era. There are so many credit cards in Indonesia, thanks to that I can own a credit card which suits my needs best.
Iqbal Marlon, 25, Jakarta

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