Last updated: June 23, 2026 · Credit cards compared: 6 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Indonesia in 2026? We compared 6 credit cards from top banks in Indonesia to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Bank Indonesia / OJK.
Quick Comparison: All 6 Credit cards in Indonesia
Side-by-side comparison of every credit card option in Indonesia as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. BCA Singapore Visa Signature | bank central asia | 2.08% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 2. Mastercard Platinum | bank cimb niaga | 2.08% per month | Shopping Discounts, Travel Benefits, Purchase Protec… | View → |
| 3. Mandiri Traveloka | bank mandiri | 2.08% per month | Travel Benefits, Purchase Protection, Chip/Pin, Supp… | View → |
| 4. BRI JCB Platinum | bank rakyat indonesia | 2.08% per month | Travel Benefits, Lounge Access, Purchase Protection,… | View → |
| 5. digibank Live Fresh | DBS Bank | 2.08% per month | Shopping Discounts, Chip/Pin, Supplementary Cards | View → |
| 6. PermataBlack World Mastercard | permata bank | 2.08% per month | Lounge Access, Chip/Pin, Supplementary Cards | View → |
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,
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 — all products listed are from banks regulated by Bank Indonesia / OJK
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 all 6 options on this page.
What credit score do I need for a credit card in Indonesia?
Most banks in Indonesia require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 6 options listed are from banks regulated by Bank Indonesia / OJK. Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Indonesia?
Fees vary by tier and bank: classic cards typically Rp 0–1,500/year, gold Rp 1,500–3,000, platinum Rp 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically Rp 500–2,000), 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.
Sign in with Google to join
