When choosing a credit card, one of the key factors to consider is the cost. This is especially important if this is your first time using a credit card. The amount of fees charged can significantly impact your total credit card bill.

In general, credit card fees can be grouped into several categories, such as annual fees, late payment fees, over-limit fees, card replacement fees, statement printing fees, and more. If you use your credit card for transactions abroad, you’ll also be charged a foreign transaction fee.

The amount of these fees varies depending on the bank’s policy. However, these costs do not yet include interest, which is typically around 1.75% of the total credit limit used. Here are 7 recommended credit cards based on their fees:

1. Honest

Different than most credit cards, Honest Card combines all fees (except interest) into a single monthly admin fee. That means no annual fees, no card replacement fees, no over-limit fees—just one simple admin fee that covers everything.

Honest’s admin fee ranges from 0% to 6.49%, depending on your total bill. You can check your bill and admin fee details directly in the Honest Credit Card app. If you don’t use your card that month, you won’t have to pay anything.

You can also enjoy a free admin fee with the Admin Fee Refund Program #ByeByeBiayaAdmin. To qualify, just pay your bill in full and on time. The admin fee you paid will be refunded to your credit balance three days after the due date. This refunded balance can be used for future purchases.

Honest Card is also safer for both online and offline shopping. Since no sensitive numbers are printed on the card, you won’t have to worry if it gets lost. Just open the Honest App and lock your card—whoever finds it won’t be able to use it. For online shopping, it’s even more convenient! Your card number is securely stored in the app, so you can simply copy it when checking out. No hassle, and most importantly, only you can access your card number.

2. Mandiri Livin’ Everyday

As the name suggests, Mandiri Livin’ Everyday is a digital credit card issued by Bank Mandiri, accessible through the Livin’ app. It offers a lifetime waiver on annual fees, plus no charges for card replacement or statement issuance.

You can also withdraw some of your credit balance using Mandiri’s ATM network across Indonesia. However, if you spend beyond your credit limit, you’ll be charged a Rp150,000 over-limit fee.

3. BCA Everyday Card

Another great option is the BCA Everyday Card, designed for first-time credit card users. This card comes with an annual fee of Rp125,000, a card replacement fee of Rp50,000, and an over-limit fee of Rp40,000.

Additionally, you can withdraw your credit balance as cash, but there is a 3% withdrawal fee on the total transaction. For example, if you withdraw Rp1,000,000, you’ll have to pay an extra Rp30,000.

4. BCA Visa Batman

In terms of fees, the BCA Visa Batman card is similar to the BCA Everyday Card, with an annual fee of Rp125,000, a card replacement fee of Rp50,000, and an over-limit fee of Rp40,000.

However, for cash withdrawals, the fee is slightly higher at 4% of the total transaction or a minimum of Rp40,000 (whichever is greater).

5. Sinarmas Secure

If you’re looking for a more secure credit card, consider the Sinarmas Secure Credit Card. As the name suggests, this card requires a deposit of at least Rp10,000,000 at Bank Sinarmas before approval. This deposit acts as collateral in case you fail to pay your bill on time.

The good news? The annual fee is waived for life. You only need to pay an over-limit fee of Rp75,000 and a card replacement fee of Rp50,000 if your card is lost or damaged.

6. Mandiri SkyZ

Another option from Bank Mandiri, the Mandiri SkyZ credit card is perfect for frequent travelers. Not only does it come with two years of free annual fees, but it also offers airport lounge access, travel insurance, and other exclusive flight-related perks.

When it comes to costs, the annual fee is Rp300,000 per year, and the interest rate is 1.75% per month. You can also withdraw your Mandiri SkyZ balance as cash, but the fee is 6% of the total withdrawal or a minimum of Rp100,000.

7. Digibank Z Visa Platinum

Last but not least is the Digibank Z Visa Platinum, issued by DBS Indonesia. This card comes with a variety of perks, including discounts and cashback for new users.

In terms of fees, the interest rate is 1.75% per month, with no over-limit fees and a statement issuance fee of Rp25,000. The annual fee is Rp400,000, but you’ll get a waiver for the first year.

That’s a wrap on 7 best credit card recommendations based on fees! These days, there are plenty of credit card options with various benefits and fee structures. Choose wisely and use your credit card responsibly to make the most of its features without unnecessary costs!