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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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