Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Indonesia? We've analyzed 5 Credit Cards from top banks operating in Indonesia to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Indonesia (2026)
1. Mastercard Platinum
Bank: bank cimb niaga
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.08% per month
- Key Benefits: Global Acceptance, Travel Benefits, Shopping Discounts, Purchase Protection, Chip/Pin, Supplementary Cards
Bebas Iuran Tahunan seumur hidup untuk Kartu Kredit CIMB Niaga Mastercard Platinum atau sesuai dengan ketentuan yang berlaku.
2. BRI JCB Platinum
Bank: bank rakyat indonesia
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.08% per month
- Key Benefits: Lounge Access, Travel Benefits, Entertainment Benefits, Ticket/Flight Booking, Purchase Protection, Chip/Pin
Travel & sport credit card for professionals and businessmen, especially for traveling across Asia.
3. Mandiri Traveloka
Bank: bank mandiri
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.08% per month
- Key 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. BCA Singapore Visa Signature
Bank: bank central asia
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.08% per month
- Key Benefits: Lounge Access, Travel Benefits, Shopping Discounts, 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...
5. digibank Live Fresh
Bank: DBS Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 2.08% per month
- Key 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...
How to Choose the Right Card
When comparing Credit Cards in Indonesia, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Indonesia
Want to see all available options? Compare all Credit Cards in Indonesia →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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