Honest Card
The credit card you'll love
90% approval and credit limit up to Rp100 million
*90% approval rate is based on Honest application data from August 2025 to May 2026. Approval decisions may vary depending on the applicant's profile.
Pay for anything
Shop anywhere Visa credit cards are accepted. In Indonesia and worldwide.
And many more merchants
How to apply for Honest Credit Card
Ensure that you are Indonesian citizen, aged 21 years or older, with a minimum income of Rp3.000.000.
Download our app.
Apply 100% in the app.
Get a decision within one day.
Trusted by customers nationwide
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Sumber: Google Play Store, 15-Jun-2026
No fees
When you pay in full & on time
Can’t pay in full? Pay the minimum due, an admin fee and 1.75% monthly interest apply.
Honest Credit Card promo
Shop smarter with various special promotions from the Honest.
Honest Credit Card review
Be part of those who experience the benefits of the Honest credit card.
The application process is easy. This is my first time trying it, and I hope it remains this convenient and continues to be useful in the future. I also had a video call with their agent who was very friendly and helpful.
Highly recommended. The service is responsive, and the brief video call with customer support was impressive. The explanations were concise, clear, and delivered with professional courtesy.
Honest is getting better and growing stronger. I have been using Honest for almost 3 years now. I just hope QRIS transactions will improve more and make the app available for iPhone users as well.
The speed of the QRIS payment feature is genuinely impressive. Whether I'm paying for parking, grabbing a coffee, or shopping at a local store, there's no waiting around. It’s incredibly convenient, just scan, pay, and go.
I considered using an online loan because I needed funds quickly, but I decided to try the Honest Credit Card instead. It turned out to be a much better experience, approval was easy, the fees are reasonable, the billing is transparent, and the credit limit is reusable, making it far more flexible.
Honest is getting better! Since switching to the Visa network, the card can be used for almost any payment, and now it even supports QRIS! My suggestion for the future is to allow bill payments to be paid in monthly installments. Other than that, I’m very satisfied. 👍
Honest keeps getting better and more compelling. With the switch from Mastercard to Visa, the ability to pay using Honest QRIS, a secure and flexible card security system, and friendly customer service, I’m really glad I didn’t close my Honest account back then.
Wah, mantap Honest x Visa, sekarang sudah ada QRIS-nya. Keren! Semoga semakin berkembang ke depannya 🫰
My application was approved with a 5 million limit. I've already used it for a CGV transaction and got 50% cashback. My first statement has been issued; there is an admin fee, but since I paid the full balance, the fee was refunded. I hope they keep adding more promos!
Thank you Honest for approving my credit card application and thank you to the CS agent who contacted me and simulated how to use it and also how to avoid fraud.
Any questions about Honest Credit Card?
What is Honest Credit Card?
The Honest Credit Card is issued by PT Honest Financial Technologies. Honest is licensed and regulated by the Financial Services Authority (OJK) and Bank Indonesia (BI).
Why choose an Honest Credit Card
Apply in just 5 minutes
Sign up and apply for your Honest credit card quickly and hassle-free.
Accepted at 90 million shopping locations
Enjoy the convenience of online and offline shopping anytime, anywhere.
Flexible payments
Set your payment time and amount according to your needs.
No hidden fees
No more worries. With the Honest credit card, you only be incurred one fee. There are no annual fees and no other charges, including stamp duty, over-limit or limit increase fees, and card replacement fees.
0% interest
Get 0% interest when you pay off your balance on time through the Honest app.
The first "Numberless" card in Indonesia
You can view your card number and important details like the expiration date and CVV/CVC in the Honest app. You can also lock your card anytime if it's lost or misplaced.
Where can the Honest Credit Card be used?
Whatever you need, pay for everything with the Honest credit card. Whether in Indonesia or anywhere else in the world, you can shop at various locations that accept Visa.
What are the requirements for applying for the Honest Credit Card?
Ensure you are an Indonesian citizen aged 21-65 years with a minimum monthly income of IDR 3 million and have an active Whatsapp number
How to get the Honest Credit Card?
Easy transactions with high limits are within your reach. Download the Honest App and apply now on Google Playstore.
What features does the Honest Credit Card offer?
The credit card features of the Honest Credit Card make buying anything easier and more practical, giving you the freedom to set your bill payments as you wish.
How to get cashback and rewards from the Honest Credit Card?
With Honest Credit Card, you’ll earn credit card points on every transaction. These credit card reward points are easy to collect and redeem as cashback, up to 1% back. No minimum spend, no complicated missions required. Every user gets the same credit card bonus points rate, making the system simple and transparent for all.
For more details on how Honest’s credit card points program works, visit the Honest Card rewards FAQ page. Besides earning points, you can also enjoy cashback offers and discounts from your favorite merchants on the Honest Promo page.