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Choosing a credit card begins with knowing your spending habits and knowing your needs. If you want to save more money, the best credit card for you should give you cash rebates or discounts on your biggest expenses. If you want to earn rewards, look at air miles cards or rewards credit cards to get more perks per dollar. Whatever your needs are, we are here to help you make the right choice.

HaloMoney.co.id compares credit cards from leading banks and card issuers so you can find the best one for you. Look below to choose a credit card from your preferred bank and apply online.

Credit Cards in Indonesia

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 HaloMoney.co.id'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.
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.

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