List of Credit Card Providers in Indonesia 2024 ( Latest Updated )

List of Credit Card Providers in Indonesia 2024 ( Latest Updated ). Here in this article, we are going to talk about the Top 10 Companies in Indonesia, How to choose the best credit card, Documents Required, Credit Score, how to apply for credit cards online etc. Credit cards have become increasingly popular in Indonesia in recent years, driven by rising consumer spending and the expansion of banking services. In Indonesia, credit cards are widely used for various transactions, including shopping, dining, travel, and online purchases. Major international credit card networks like Visa, Mastercard, and American Express are accepted in many establishments throughout the country. Here on this page, we are discussing a full list of credit card providers in Indonesia.

Credit Card Issuer List in Indonesia

Several banks in Indonesia issue credit cards. Some of the prominent ones include Bank Central Asia (BCA), Bank Mandiri, Bank Rakyat Indonesia (BRI), CIMB Niaga, Citibank, and HSBC. Here is the list of all credit card providers in Indonesia. Check the full List below.

• Bank Negara Indonesia 1946 (Persero)
• Bank Rakyat Indonesia (Persero) Tbk
• Bank Bukopin
• Bank Permata Tbk
• Bank ICB Bumiputera, Tbk
• Citibank
• Bank Central Asia, Tbk
• The Hongkong & Shanghai Bank Corp
• Bank CIMB Niaga Tbk
• Bank OCBC NISP Tbk
• Bank Danamon Indonesia Tbk
• Standard Chartered Bank
• Bank ICBC Indonesia
• Bank UOB Indonesia
• Bank Maybank Indonesia Tbk
• BNI Syariah
• Bank Mandiri (Persero) Tbk
• Bank Sinarmas
• Bank Mega Tbk
• AEON Credit Services
• Bank Negara Indonesia 1946 (Persero)
• Bank QNB Kesawan
• PAN Indonesia Bank Ltd, Tbk

Whare the Best Corporate Credit Cards in Indonesia?

Many Indonesian banks have introduced corporate, company, or business credit cards to their customers. Here is an overview of a few corporate credit cards available in Indonesia from different banks. Check the best corporate credit card below.

• Mandiri Corporate Card
• BCA Visa Corporate
• Bank CIMB Niaga Corporate Card

Types of Credit Cards Issued in Indonesia:

Credit card offerings in Indonesia include various types such as standard credit cards, gold cards, platinum cards, and co-branded cards affiliated with airlines, retailers, and other partners.

• Standard Credit Cards
• Gold Credit Cards
• Platinum Credit Cards
• Signature Credit Cards
• Co-branded Credit Cards
• Business Credit Cards
• Student Credit Cards
• Secured Credit Cards
• Islamic Credit Cards

How many credit card Providers are there in Indonesia?

There were 28 credit card issuers in Indonesia in 2022 as per the latest data released, a small rise from the previous year. In recent years, credit and debit cards have gained widespread use as a means of payment in Indonesia. Indonesia’s credit card market is growing at a good pace. Accepted cards by Indonesian merchants are Visa and Mastercard cards.

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Minimum Requirements for obtaining a credit card in Indonesia:

To apply for a credit card in Indonesia, you typically need to meet certain eligibility criteria set by the issuing bank. This may include having a certain level of income, being of legal age, and having a good credit history. The application process usually involves filling out an application form and providing supporting documents. To get a credit card in Indonesia you need to fulfil some basic requirements.

• The minimum age should be 21 years or above.
• Income proof ( Pay Slip etc)
• Credit card providers banks or companies usually check an applicant’s credit history before providing them with credit cards.
• Documents: KTP (Indonesian ID), NPWP (Indonesian tax identification number), proof of address, etc.

How to Use the Indonesian Credit Card for Transactions?

The Indonesian Credit Card comes in two different forms, i.e. digital credit card and physical credit card, similar to conventional credit cards. Here we are explaining to you how to use credit cards in Indonesia.

Domestic QRIS KKI:

Using a QR code, users could make payments with a digital credit card known as Domestic KKI. But before using this card for purchases, the owner has to finish an activation process via mobile banking. Next, they can take the following actions:

1. You need to first Open the QR code scanning feature in the mobile banking application of the KKI-issuing bank
2. Next, Choose the source of funds for payment
3. Now Select the “Kartu Kredit Pemerintah Domestik (Domestic Government Credit Card)” option
4. Now Enter the payment amount if the merchant’s QR code uses static mode or confirm the displayed amount if using automatic mode;
5. Enter the registered PIN in the mobile app to make a payment
6. Now click on pay
7. Now Your payment is complete.

What is QRIS?

Using QR codes, QRIS (Quick Response Code Indonesia Standard) unifies different types of QR from different Payment System Service Providers (PJSP). As a result, QRIS is required for all QR code-based PJSP providers, domestic and international. It makes payment easy for all. The Slogan for QRIS: one QRIS for all payments.

Benefits of QRIS:

According to Bank Indonesia, QRIS has the following benefits for both users and merchants:

• It is Fast and up-to-date
• It is Cashless because there is no need to bother carrying cash.
• There is no need to bother thinking about whose QR is installed.
• All PJSP QRIS organizers have a license and are supervised by Bank Indonesia and that’s why it is safe and secure.

FAQ: List of Credit Card Providers in Indonesia