5 Options of Credit Card in Indonesia for Beginners

5 Options of Credit Card in Indonesia for Beginners

For some people, the hunger to buy something either for their needs or just to fulfill their lifestyle can not be restrained. That desire also comes, although they do not even have enough money. However, that is not a big issue with a credit card in Indonesia.

Credit cards themselves can be used to do any cashless transactions. People do not necessarily have money for that transaction, but they must pay the installment at the agreed period. This is perfect for them having a high buying desire without having the money to compensate for it on the spot.

The true problem is, however, the requirements to create a credit card are not always easy. Some credit cards even oblige something that people, especially beginners, can not afford. Fortunately, there are some options for credit cards that are perfect for those kinds of people.

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How to Choose Credit Card in Indonesia as Beginners

To create a credit card in Indonesia, some requirements are more or less the same as any other credit card. Nevertheless, beginners need to choose a particular credit card with some or all of the following characteristics to ease the registration process.

  • Does not require clients to have any previous credit cards.
  • Published by a bank that has a wide range of networks.
  • One of Indonesia credit card free or has less than 250 thousand rupiahs of an annual subscription.
  • Offers plenty varieties of discounts.
  • Requires simple submission.
  • Must have a widely accepted card such as MasterCard or Visa.


Best Indonesia's Credit Cards for Newbies

After learning how to choose a credit card in Indonesia by learning the characteristics, here are some recommendations to take a closer look at what beginner's credit card to choose.

CIMB Niaga Classic

There are two choices of credit cards from the CIMB Niaga bank, one with the MasterCard logo and the other with the Visa logo. Both of those CIMB Niaga Classics give fixed installments as well as many rewards as benefits for their users.

Furthermore, MasterCard offers a free credit subscription for users' lifetime. On the other hand, users will not have to pay that kind of fee for the first two years of using a CIMB Niaga Classic with the Visa logo.

BCA Everyday Card

It is safe to say that BCA Everyday Card is one of if not the best credit card in Indonesia for beginners. It is because BCA, or Bank Central Asia, is perhaps the biggest bank that can be found almost anywhere in the country.

No wonder the BCA Everyday Card has a complete feature to offer. One of the best features of this credit card is the free credit subscription for the first year. After that, the annual contribution is only around 125 thousand rupiahs.

BNI Gold

To own a BNI Gold credit card in Indonesia, clients must have at least 36 million rupiahs of income as one of its requirements. Other than that, this credit is perfect for beginners due to the ease of getting it, which is easier than most credit cards.

Moreover, BNI Gold's annual credit fee of 240 thousand rupiahs is not that much, considering its credit limitation of three to four million rupiahs for each client.

BRI Visa Touch

Although it is considered a credit card in Indonesia recommendation, BRI Visa Touch is not the best choice for beginners as it only accepts clients with at least one credit card already. However, it is perfect for beginners who can match that requirement.

BRI Visa Touch gives a lot of benefits to its clients. Other than that, clients are also clear from any annual contribution forever. It is excellent as clients can also get a huge credit limitation of 50 million rupiahs with a minimum monthly income of three million rupiahs.

Mandiri's Credit Cards

The two Bank Mandiri's cards, Mandiri Everyday Card and Mandiri Gold, are perfect for beginners, especially those living in remote areas. Each prepaid credit card Indonesia offers low credit interest with two million rupiahs as the minimum limitation, but clients must pay 300 thousand rupiahs a year for the contribution.


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As you can see above, beginners can also get a credit card in Indonesia with ease, including those with lower incomes. Nevertheless, whatever credit card you use, always be wise and do not forget to use Flip Globe for your overseas transactions to be free from additional expenses.

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