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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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Credit Card FAQs

Interest is not the only additional fee you pay with credit cards, so it is important that you are aware of all the charges and fees you may have to pay. If you don't know about them, they could increase your debt, and in turn increase your monthly interest as well. Remember to check if there are any exemptions available for these fees before applying for a credit card. A No Annual Fee credit card is exempt from being charged your usual annual fee, but be sure to read the fine print to see how long the offer is valid for!
Many credit cards now offer no annual fee for life! Make sure you read the fine print carefully though, as there might be some strings attached: some might just be free for one year, and some may require you to spend a minimum amount per year before you are able to qualify for the Rp 0 annual fee.
Some of the best credit cards out there have annual fees, but this doesn't mean that the ones are no good. No Annual Fee Credit Cards may still offer generous rewards or cashback and with low rates. Imagine a card with 3% cashback rebate, but with Rp 1,000,000 annual fee, you will need to spend more in order to cover the cost, but with a No Annual Fee Credit Card, you enjoy the benefits right away!

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