FinanceHero / Indonesia / Credit Cards
Compare account fees and borrowing charges. Standard pricing is shown unless a condition is stated.
Consumer credit cards
| Card | Account fee | Borrowing rate | Cash / FX | Eligibility | Key caveat |
|---|---|---|---|---|---|
Bank MandiriSKYZ | Primary card IDR 300,000 yearly; supplementary IDR 180,000. | Retail purchases and cash advances: 1.75% per month. | Cash: 6% of withdrawal, minimum IDR 150,000, plus interest.FX: Not available | Age 21+ or married, maximum 70; monthly income IDR 10 million; live/work in service area, ID and income documents. | Promotional instalment rates excluded. FX costs not verified. E-billing IDR 5,000; SMS notifications IDR 7,500 monthly; stamp duty can apply. |
BNIMastercard Titanium | IDR 500,000/year primary card; IDR 250,000 supplementary. Notification service IDR 10,000/month; e-billing IDR 5,000 or paper bill IDR 20,000. | 1.75% per month on purchases and cash withdrawals; not an APR. | Cash: Not availableFX: Not available | Primary holder age 21-65; annual income IDR 36 million+; income and credit assessment determine approval. | Annual fee charged at membership-year start even before activation. Cash-withdrawal minimum and FX charges: Not verified. |
CIMB NiagaMastercard Classic | No annual fee for primary or supplementary card. Other service charges may apply. | 1.75% per month on purchases and cash withdrawals; not an APR. | Cash: 6% of withdrawal, minimum IDR 150,000.FX: Not available | Primary holder age 21-65; income IDR 3 million/month or IDR 36 million/year; identity and income documents; credit assessment. | Mastercard version only; Visa has different annual-fee rules. Paper statements IDR 30,000. FX charges: Not verified. |
Checked: 8 Oct 2026 · Sources: bankmandiri.co.id · bni.co.id · cimbniaga.co.id
Fees may exclude statutory charges.