Refpo Credit Cards

Best Credit Cards in Indonesia

Browse country-specific cards and compare fees, rewards, and benefits.

Bank Mandiri

Mandiri MyPertamina Card

Mandiri MyPertamina Card is an Indonesia fuel-focused credit card from Bank Mandiri for Pertamina and MyPertamina users, offering cashback on eligible MyPertamina fuel transactions, Mandiri credit card promotions and everyday payment convenience.

Fuel-focused credit card for Indonesia
Co-branded Bank Mandiri and MyPertamina card
Cashback on eligible MyPertamina app transactions

Joining fees

Not specified

Renewal fees

Not specified

View Details

HSBC Indonesia

HSBC Live+ Credit Card

HSBC Live+ Credit Card is an Indonesia lifestyle cashback credit card focused on dining, shopping, entertainment and everyday spending, with HSBC Indonesia card benefits, merchant promotions and digital card management support.

Lifestyle cashback credit card from HSBC Indonesia
Cashback on eligible dining spending
Cashback on eligible shopping spending

Joining fees

Not specified

Renewal fees

Not specified

View Details

UOB Indonesia

UOB One Card

UOB One Card is an Indonesia cashback credit card designed for everyday spending, offering cashback value across eligible spending categories, UOB credit card promotions, installment features and digital card management through UOB Indonesia channels.

Up to 5% cashback on eligible spending categories
Everyday cashback credit card from UOB Indonesia
Useful for regular monthly spending

Joining fees

Not specified

Renewal fees

Not specified

View Details

BNI

BNI MyPertamina Credit Card

BNI MyPertamina Credit Card is an Indonesia fuel-focused credit card for Pertamina users, offering cashback on eligible fuel purchases through MyPertamina, rewards on spending, BNI credit card benefits and everyday payment convenience.

Fuel-focused credit card for Indonesia
8% cashback on eligible fuel purchases through MyPertamina
Designed for Pertamina users

Joining fees

Not specified

Renewal fees

Not specified

View Details

Bank Mandiri

Mandiri Credit Cards

Mandiri Credit Cards are Indonesia credit cards from Bank Mandiri offering reward points, merchant discounts, installment options, travel and lifestyle offers, and promo-based cashback value across selected spending categories.

Credit card portfolio from Bank Mandiri
Reward points on eligible purchases
Merchant discounts and lifestyle offers

Joining fees

Not specified

Renewal fees

Not specified

View Details

BCA

BCA Singapore Airlines KrisFlyer Visa Infinite

BCA Singapore Airlines KrisFlyer Visa Infinite is an Indonesia premium travel credit card for Singapore Airlines and KrisFlyer members, allowing eligible BCA Rewards to be converted into KrisFlyer miles for flight redemptions and travel-related value.

Premium travel credit card from BCA Indonesia
Co-branded with Singapore Airlines KrisFlyer
BCA Rewards can be converted into KrisFlyer miles

Joining fees

Not specified

Renewal fees

Not specified

View Details

CIMB Niaga

CIMB Niaga JCB Ultimate

CIMB Niaga JCB Ultimate is an Indonesia travel credit card designed for Asia-focused travelers, offering cashback on eligible foreign-currency retail transactions in selected countries, KrisFlyer miles conversion value and JCB travel privileges.

Travel credit card from CIMB Niaga Indonesia
JCB Ultimate card positioning
4% cashback for eligible foreign-currency retail transactions in Japan, South Korea, China and Taiwan

Joining fees

Not specified

Renewal fees

Not specified

View Details

BCA

BCA Singapore Airlines KrisFlyer Visa Signature

BCA Singapore Airlines KrisFlyer Visa Signature is an Indonesia travel credit card for Singapore Airlines and KrisFlyer members, allowing eligible BCA Rewards to be converted into KrisFlyer miles for flight rewards and travel-related value.

Travel credit card from BCA Indonesia
Co-branded with Singapore Airlines KrisFlyer
BCA Rewards can be converted into KrisFlyer miles

Joining fees

Not specified

Renewal fees

Not specified

View Details

OCBC Indonesia

OCBC Voyage Credit Card

OCBC Voyage Credit Card is an Indonesia premium travel credit card designed for frequent travelers, offering Voyage Miles, airport lounge benefits, travel privileges, lifestyle offers and premium OCBC card services.

Premium travel credit card from OCBC Indonesia
Voyage Miles on eligible purchases
2 DragonPass international lounge visits per year

Joining fees

Not specified

Renewal fees

Not specified

View Details

Bank Mandiri

Mandiri Corporate Card

Mandiri Corporate Card is an Indonesia corporate credit card from Bank Mandiri designed for company expense management, employee business spending, travel and entertainment expenses, consolidated billing and corporate payment control.

Corporate credit card from Bank Mandiri
Designed for company expense management
Employee card facility for authorized users

Joining fees

Not specified

Renewal fees

Not specified

View Details

Bank Mandiri

Mandiri World Elite

Mandiri World Elite is an Indonesia premium travel credit card from Bank Mandiri, designed for high-spending travelers who want airport lounge benefits, travel privileges, reward points, lifestyle offers and premium card services.

Premium travel credit card from Bank Mandiri
World Elite card positioning
Domestic airport lounge benefits

Joining fees

Not specified

Renewal fees

Not specified

View Details

HSBC Indonesia

HSBC Corporate Card Indonesia

HSBC Corporate Card Indonesia is a corporate credit card solution for businesses in Indonesia, designed to manage employee expenses, travel and entertainment spending, goods and services payments, working capital needs and company reporting through HSBC business banking channels.

Corporate credit card from HSBC Indonesia
Designed for company expense management
Employee card facility for authorized users

Joining fees

Not specified

Renewal fees

Not specified

View Details

BNI

BNI Corporate Card

BNI Corporate Card is an Indonesia corporate credit card facility from BNI designed for companies to manage employee spending, business travel, entertainment expenses, procurement payments and consolidated company billing.

Corporate credit card from BNI Indonesia
Designed for company expense management
Employee card facility for authorized users

Joining fees

Not specified

Renewal fees

Not specified

View Details

Maybank Indonesia

Maybank Corporate Credit Card

Maybank Corporate Credit Card is an Indonesia business payment solution for companies, designed to support corporate expense management, overseas business travel, operational payments, employee spending control and Maybank corporate card services.

Corporate credit card from Maybank Indonesia
Designed for company expense management
Useful for overseas business travel

Joining fees

Not specified

Renewal fees

Not specified

View Details

Paper.id

Paper Horizon Card

Paper Horizon Card is an Indonesia corporate card solution from Paper.id designed for businesses that need digital expense management, employee spending control, invoice-linked payments, team card usage and modern company financial workflows.

Corporate card-style solution for Indonesia
Designed for startups and SMEs
Digital expense management support

Joining fees

Not specified

Renewal fees

Not specified

View Details

UOB Indonesia

UOB TMRW Credit Card

UOB TMRW Credit Card is an Indonesia cashback credit card for digital-first users, offering cashback in selected everyday categories, app-based card control, online spending features and UOB Indonesia credit card benefits.

Up to 6% cashback in selected categories
Digital-first credit card from UOB Indonesia
App-based card management through UOB TMRW

Joining fees

Not specified

Renewal fees

Not specified

View Details

Compare

Compare Cards

Card 1Card 2

Field	Mandiri MyPertamina Card	HSBC Live+ Credit Card
Bank/provider	Bank Mandiri	HSBC Indonesia
Joining fee	Not specified	Not specified
Renewal fee	Not specified	Not specified
Best for	Pertamina fuel users in Indonesia MyPertamina app users Drivers who frequently buy fuel at Pertamina stations	Lifestyle spending in Indonesia Dining and restaurant purchases Shopping and entertainment spending
Reward rate	Cashback on eligible MyPertamina app transactions Rp 30,000 cashback with minimum spending of Rp 400,000 per receipt Additional Mandiri credit card promotions may apply	Cashback on eligible dining, shopping and entertainment purchases Cashback applies on qualifying transactions Exact cashback percentage and caps depend on HSBC Live+ program rules
Cashback	Rp 30,000 cashback on eligible MyPertamina app transactions Minimum spending of Rp 400,000 per receipt applies Cashback applies to eligible fuel purchases through MyPertamina Promotional cashback rules may apply	Cashback on eligible lifestyle spending Cashback on eligible dining purchases Cashback on eligible shopping purchases Cashback on eligible entertainment purchases
Lounge access	Not specified	Not specified
Fuel surcharge waiver	Not specified	Not specified
Welcome benefit	Cashback on eligible MyPertamina transactions Bank Mandiri credit card promotion benefits Co-branded MyPertamina fuel card benefits	Lifestyle cashback benefits HSBC Indonesia credit card promotions Dining, shopping and entertainment offers
Annual fee waiver condition	Not specified	Not specified
Eligibility	Applicant must be an individual customer in Indonesia Applicant must meet Bank Mandiri credit approval criteria Valid identity document is required	Applicant must be an individual customer in Indonesia Applicant must meet HSBC Indonesia credit approval criteria Valid identity document is required
Apply link	Apply Now	Apply Now

FAQs

Common questions

How do I choose the best credit card?

Choose a credit card based on spending pattern, annual fees, joining benefits, reward value, eligibility, and waiver conditions.