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Honest Card

The credit card you'll love

Up to Rp 100 million credit line.
Apply now
PT Honest Financial Technologies is licensed and supervised by
Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI)

Honest Card

The credit card you'll love

Up to Rp 100 million credit line.
Apply now
PT Honest Financial Technologies is licensed and supervised by
Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI)

Why Honest Card?

Honest Credit Card simplifies your transactions like never before. Apply  and manage it through the Honest app.

5 minutes to apply.

No annual fee.

Access card number securely only from the app.

Use it in 90+ million online and offline merchants.

5 minutes to apply.

60 million places to shop. Online and offline.

Flexible repayments. Pay whenever and whatever.

Apply now

No fees

When you pay in full & on time

Can't pay in full? Pay at least the minimum due with an admin fee. All other fees are Rp0.

Annual fees

Rp 300.000

Rp 0

Late fees

Rp 100.000

Rp 0

Foreign transactions fees

Rp 50.000

Rp 0

Payment fees

Rp 15.000

Rp 0

Stamp duty fees

Rp 10.000

Rp 0

Overlimit fees

Rp 300.000

Rp 0

Credit limit increase fees

Rp 50.000

Rp 0

Card replacement fees

Rp 75.000

Rp 0

Learn more

Pay for anything

Shop anywhere Mastercard® credit cards are accepted. In Indonesia and worldwide.
Groceries
Transport
E-commerce
Dining
Gas station
Retail shop

Promos

See more promos
0% interest
When you pay in full & on time
No need to choose 3, 6 or 12 months installments.Use the app to choose how much to pay.
Rp
7.000.000
3.800.000
128.000
Rp0
RP83.444
RP110.835
Tidak ada bunga.
Bunga dikenakan pada 16 Jul 2023.
Pelajari lebih lanjut
Total
tagihan
Pembayaran
minimum
Pembayaran
seluruh
transaksi
Membayar sesuai total tagihan tidak akan
dikenakan biaya bunga.
Membayar lebih dapat mengurangi biaya
bunga kamu.
Kartu akan diblokir apabila kamu membayar
kurang dari pembayaran minimum.
0% interest
When you pay in full & on time
No need to choose 3, 6 or 12 months installments.Use the app to choose how much to pay.
Rp
7.000.000
3.800.000
128.000
Rp0
RP83.444
RP110.835
Tidak ada bunga.
Bunga dikenakan pada 16 Jul 2023.
Pelajari lebih lanjut
Total
tagihan
Pembayaran
minimum
Pembayaran
seluruh
transaksi
Membayar sesuai total tagihan tidak akan
dikenakan biaya bunga.
Membayar lebih dapat mengurangi biaya
bunga kamu.
Kartu akan diblokir apabila kamu membayar
kurang dari pembayaran minimum.

The safer card

The first numberless credit card in Indonesia.

Lock your card anytime from your phone.

24-hour support via WhatsApp and call.

Apply Now

Why thousands of Indonesians
love their Honest Card

October 6, 2024

The whole application process is surprisingly smooth. As a new user, I'm pretty impressed with the Honest CS' courteous efforts to educate safety. I've used other credit cards before, and I can say this is the first time I saw the CS take this much effort. I hope they will keep up with this good service in the future.

Edwin Hendra Kusuma

September 30, 2024

The application process was quick, easy, and responsive. The video call service with Ridwan was also great. He was friendly, patient, and explained clearly what important things to pay attention to. Thank you, Honest. I hope it can help with the mobility needs of my business going forward.

Winda Apw

September 25, 2024

A new and attractive features for a credit card in Indonesia. I started to search more information about it and submitted an application. Definitely a much easier process. Approval was really quick as advertised on social media. To activate the card you need to do a verification video call, and Adi was excellent at giving me all the details about how to navigate around using my card.

Nadiya P

September 22, 2024

Apply for a card quickly and so easily, the verification process is very easy and fast with video call verification. The agent is very friendly and informative. So easy to understand how to explain to me.

Priscilla Karensha

September 18, 2024

A credit card that offers various benefits to its users. This card is easy to apply for through the app, with a simple and fast process. The application can be completed in 5 minutes, and the decision is given in one day. It makes it easier for users to handle routine payments for daily needs.

Gisela Cynthia

September 18, 2024

Smooth onboarding process, fast approval, great customer care/service from Rio who was very friendly and helpful answering my questions. Thank you!

Yoga Pradana

September 9, 2024

The application process was super quick and easy. During the video call for activation, the customer service explained various things, especially the rise of scams, to remind us to always be careful. Really taking care of their customer.

Alvin Rivaldi

September 4, 2024

Very fast service. Easy to use. With a credit card I can manage my finances.

Candra Irawan

August 28, 2024

It was very easy to apply for the Honest credit card. The process was fast and straightforward. The credit limit was also quite high for a new application. The staff was friendly and kind during the card activation process. Trusted! Unlike other credit card ads out there!

Christanto Hardy

October 6, 2024

The whole application process is surprisingly smooth. As a new user, I'm pretty impressed with the Honest CS' courteous efforts to educate safety. I've used other credit cards before, and I can say this is the first time I saw the CS take this much effort. I hope they will keep up with this good service in the future.

Edwin Hendra Kusuma
September 30, 2024

The application process was quick, easy, and responsive. The video call service with Ridwan was also great. He was friendly, patient, and explained clearly what important things to pay attention to. Thank you, Honest. I hope it can help with the mobility needs of my business going forward.

Winda Apw
September 25, 2024

A new and attractive features for a credit card in Indonesia. I started to search more information about it and submitted an application. Definitely a much easier process. Approval was really quick as advertised on social media. To activate the card you need to do a verification video call, and Adi was excellent at giving me all the details about how to navigate around using my card.

Nadiya P
September 22, 2024

Apply for a card quickly and so easily, the verification process is very easy and fast with video call verification. The agent is very friendly and informative. So easy to understand how to explain to me.

Priscilla Karensha
September 18, 2024

A credit card that offers various benefits to its users. This card is easy to apply for through the app, with a simple and fast process. The application can be completed in 5 minutes, and the decision is given in one day. It makes it easier for users to handle routine payments for daily needs.

Gisela Cynthia
September 18, 2024

Smooth onboarding process, fast approval, great customer care/service from Rio who was very friendly and helpful answering my questions. Thank you!

Yoga Pradana
September 9, 2024

The application process was super quick and easy. During the video call for activation, the customer service explained various things, especially the rise of scams, to remind us to always be careful. Really taking care of their customer.

Alvin Rivaldi
September 4, 2024

Very fast service. Easy to use. With a credit card I can manage my finances.

Candra Irawan
August 28, 2024

It was very easy to apply for the Honest credit card. The process was fast and straightforward. The credit limit was also quite high for a new application. The staff was friendly and kind during the card activation process. Trusted! Unlike other credit card ads out there!

Christanto Hardy

Simple application

You can apply if you are an Indonesian citizen aged 21 years or older, and have a minimum monthly income of Rp 3 million.
1

Download our app.

Available on the Google Play.

2

Apply 100% in the app.

All you need is your KTP.

3

Get a decision within one day.

Approved customers can start spending right away.

Apply Now

How to apply

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

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 Mastercard®.

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?

Currently, the Honest credit card does not offer cashback and rewards programs for every purchase. But don't worry. The Honest credit card has other attractive advantages. Explore various promotions and enjoy savings from your favorite merchants!
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