Last updated: August 2, 2026 · Credit cards compared: 6 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Indonesia in 2026? These are all 6 credit cards in Indonesia that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Indonesia. It is the set Buzdy has verified data for, from 6 issuers, as of August 2, 2026.
Quick Comparison: 6 Credit Cards in Indonesia
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. BCA Singapore Visa Signature | bank central asia | Not published | 24.96% per month | Airport lounge, Travel benefits, Shopping offers, Supplementary cards | View → |
| 2. BRI JCB Platinum | bank rakyat indonesia | Not published | 24.96% per month | Airport lounge, Travel benefits, Entertainment, Supplementary cards | View → |
| 3. Mastercard Platinum | bank cimb niaga | Not published | 24.96% per month | Travel benefits, Shopping offers, Supplementary cards | View → |
| 4. digibank Live Fresh | DBS Bank | Not published | 24.96% per month | Shopping offers, Supplementary cards | View → |
| 5. Mandiri Traveloka | bank mandiri | Not published | 24.96% per month | Travel benefits, Supplementary cards | View → |
| 6. PermataBlack World Mastercard | permata bank | Not published | 24.96% per month | Airport lounge, Supplementary cards | View → |
The 6 Credit Cards in Detail
1. BCA Singapore Visa Signature
Bank: bank central asia
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Shopping offers, Supplementary cards
BCA Singapore Airlines KrisFlyer Visa Signature earns KrisFlyer miles on every purchase, redeemable for flights on Singapore Airlines and Star Alliance partners. Includes 10,000 welcome miles, 0% installment on SQ tickets, travel insurance, and BCA Travel Service.
2. BRI JCB Platinum
Bank: bank rakyat indonesia
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Entertainment, Supplementary cards
Travel & sport credit card for professionals and businessmen, especially for traveling across Asia.
3. Mastercard Platinum
Bank: bank cimb niaga
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Shopping offers, Supplementary cards
Bebas Iuran Tahunan seumur hidup untuk Kartu Kredit CIMB Niaga Mastercard Platinum atau sesuai dengan ketentuan yang berlaku.
4. digibank Live Fresh
Bank: DBS Bank
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Shopping offers, Supplementary cards
DBS digibank Live Fresh offers 5% cashback up to IDR 500,000 monthly on online transactions, flexible installments up to 60 months, lifetime reward points, 60-second digital approval, and discounts at 250+ restaurants, cinemas, and lifestyle outlets across Indonesia.
5. Mandiri Traveloka
Bank: bank mandiri
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Supplementary cards
Mandiri Traveloka co-branded Visa card earns Traveloka Points on every purchase with bonus points on flights and hotels. Features no annual fee, 0% installment on Traveloka, travel and purchase insurance up to Rp 1 billion, and automatic Gold loyalty tier upgrade.
6. PermataBlack World Mastercard
Bank: permata bank
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Supplementary cards
PermataBlack World Mastercard is an exclusive card for Priority customers offering free airport lounge access across Indonesia, 0% installment up to 24 months, rewards redeemable for airline tickets, contactless payments, and discounts at 100+ premium merchants yearly.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Indonesia
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Bank Indonesia / OJK public register before you apply
Frequently Asked Questions: Credit cards in Indonesia
What is the best credit card in Indonesia for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 6 products in this guide above.
What credit score do I need for a credit card in Indonesia?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 6 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Indonesia?
Yes, most major banks in Indonesia now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Indonesia is supervised by Bank Indonesia / OJK. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Indonesia?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Indonesia
- All banks in Indonesia
- Bank branches across Indonesia
- Credit Cards In Indonesia 2026
- Personal Loans In Indonesia 2026
- Savings Accounts In Indonesia 2026
- Indonesia EMI calculator
- Indonesia savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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