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HaloMoney.co.id is your go-to website for finding credit cards and personal loans in Indonesia. Use our comparison tools to get unbiased, up-to-date information on personal finance products.

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Credit Card FAQs

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.
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.

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We compare loans that can be paid back over terms of between 12 months and 60 months. The annual percentage rate (APR) will be charged depends on your personal circumstances

This is a representative example of what it may cost: a loan of Rp. 25,000,000 over 12 months at 17.88% p.a. nominal interest would equate to monthly repayments of Rp. 2,455,833 and the total cost of the loan that you pay back would be Rp. 30,306,500.

PT. Moneyguru Indonesia (the Company) is a statutory body established under the laws of the Republic of Indonesia and is not regulated by and/or under the supervision of Financial Services Authority ("OJK") in Indonesia but we communicate openly and cooperate on issues of financial literacy and inclusion. The company is a platform which gives financial market product information on third party providers, such as credit cards and KTA. The Company does not provide financial advice as a part of its service. For further details - please see our Terms & Conditions here. You will be able to apply for a variety of products and services via this Website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not accountable or to blame for any loss or harm you will suffer or incur as a result of any product or service you get when using this Website or for any acts, omissions, errors or defaults of any third party in reference to that product or service. The information contained on the website HaloMoney.co.id is constantly updated and may change from time to time without prior notice. Terms and Conditions and Privacy Policy .

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