Looking for the best Credit Cards in Indonesia? We have compared 6 Credit Cards from top banks in Indonesia to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 6 Credit Cards in Indonesia (2026)
1. BCA Singapore Visa Signature
Bank: bank central asia
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Purchase Protection, Chip/Pin, 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% inst
2. Mastercard Platinum
Bank: bank cimb niaga
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Purchase Protection, Global Acceptance, Chip/Pin, Supplementary Cards
Bebas Iuran Tahunan seumur hidup untuk Kartu Kredit CIMB Niaga Mastercard Platinum atau sesuai dengan ketentuan yang berlaku.
3. Mandiri Traveloka
Bank: bank mandiri
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Travel Benefits, Purchase Protection, Chip/Pin, 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 insura
4. BRI JCB Platinum
Bank: bank rakyat indonesia
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Travel Benefits, Lounge Access, Purchase Protection, Entertainment Benefits, Chip/Pin, Supplementary Cards
Travel & sport credit card for professionals and businessmen, especially for traveling across Asia.
5. digibank Live Fresh
Bank: DBS Bank
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Chip/Pin, 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
6. PermataBlack World Mastercard
Bank: permata bank
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Benefits: Lounge Access, Chip/Pin, 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,
How to Choose a 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
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Indonesia for 2026?
The best option depends on your needs and spending. Compare all 6 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Indonesia now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Indonesia?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Indonesia →
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How We Compare Best Credit Cards in Indonesia 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Indonesia. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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