The financial industry has seen a surge of innovations lately, thanks to technological advancements. These innovations make financial products feel unique, even if the basic services they offer are quite similar.

One such innovation is the Honest credit card. Honest stands out among other credit cards due to several unique features. So, what makes it different? Let’s dive in!

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1. A numberless credit card

Typically, credit and debit cards have a card number, expiry date on the front, and CVV/CVC code on the back. But Honest does things differently. The Honest Card doesn’t display these numbers. Instead, all the card details are accessible only through the Honest App (Finwang, 2023).

This isn’t without reason. By removing visible card details, using your Honest Card becomes much safer. For example, when dining at a restaurant, it’s common for servers to take your card to process payments. During this time, someone could potentially copy your card details without your knowledge. With no visible numbers, this risk is eliminated. Additionally, if your card gets lost or misplaced, others won’t be able to use it immediately.

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2. Fast application process

The Honest credit card app has been downloaded by over 1 million users and boasts an average rating of 4.8 out of 5 stars on the Play Store. One reason for this high satisfaction is the fast application process—it only takes 5 minutes.

One user, Geoffrey Ligianto (2024), mentioned in his review that the registration and verification processes were smooth and efficient, allowing users to get their credit cards quickly.

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3. Friendly and educational customer service

Another reason users love the Honest App is its friendly and educational customer service. After your application is approved, you’ll go through a welcome call with the CS team, where they explain the specifics of the Honest Card and provide general education about credit card fraud.

This face-to-face education helps reduce the risk of fraud and improves financial literacy among Indonesians.

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4. Available for transactions in online and offline merchants

One of Honest Card’s key strengths is its versatility. It can be used for shopping on all online and offline marketplaces, such as Alfamart or Indomaret. For online shopping, simply copy your credit card details from the Honest App and enter them into the payment method settings of the marketplace app. For offline payments, you can use the tap-to-pay feature by tapping your physical card or smartphone on an EDC machine (BKD Tutorial, 2023).

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5. No annual fees

When using a credit card, you’re often charged an annual fee regardless of how much you use it. Most credit cards waive the annual fee only for the first or second year. Honest Card, however, offers no annual fees for life.

According to a user who reviewed Honest on YouTube, this feature makes it perfect for first-time credit card users (Mbah Joko, 2024).

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6. Can be used internationally

Not all credit or debit cards can be used abroad. If your card has the GPN logo on the bottom right, it’s limited to domestic use in Indonesia.

Honest Card, however, partners with Mastercard, allowing it to be used worldwide, including in countries like the United States, Canada, and Australia. Plus, there are no foreign transaction fees, making it an excellent choice for daily expenses while traveling or studying overseas.

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7.  No interest or fees when bills are paid in full and on time

Most credit cards charge certain fees even when you pay your bill in full. Honest is the first credit card to offer 0% interest and 0% admin fees, provided users pay their bills in full and on time (Bolo Kredit, 2024). This means you can use the card for free as long as you use it responsibly.

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8. A lightweight app

The Honest App is only 37MB, making it lightweight and easy to download without affecting the performance of standard smartphones. This size is much smaller compared to digital banking apps offering virtual credit cards. However, if you want to use the tap-to-pay feature in the app, your phone must support near-field communication (NFC) technology.

With its unique product design, simple application process, and transparent costs, Honest App provides a credit card for all layers of Indonesian society, especially beginners. Check out Honest’s features today!