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Honest Card

The credit card you’ll love

Get up to Rp100 million credit limit

Apply now
4.7
(64.7K reviews)
PT Honest Financial Technologies is licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI)

What is Honest Card?

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

5 minutes to apply

View card number
securely in the app

Shop in 90+ million online and offline stores

Pay for anything

Shop anywhere Mastercard credit cards are accepted. In Indonesia and worldwide.

GojekGojek
GrabGrab
TokepediaTokepedia
LazadaLazada
ShopeeShopee
GojekGojek
GrabGrab
TokepediaTokepedia
LazadaLazada
ShopeeShopee
ShellShell
PertaminaPertamina
DanaDana
AlfamartAlfamart
ShellShell
PertaminaPertamina
DanaDana
AlfamartAlfamart
ShellShell
PertaminaPertamina
DanaDana
AlfamartAlfamart
GojekGojek
GrabGrab
TokepediaTokepedia
LazadaLazada
ShopeeShopee
ShellShell
PertaminaPertamina
DanaDana
AlfamartAlfamart
GojekGojek
GrabGrab
TokepediaTokepedia
LazadaLazada
ShopeeShopee

And many more merchants

How to apply Honest Credit Card?

Ensure that you are Indonesian citizen, aged 21 years or older, with a minimum income of Rp3.000.000.

1

Download our app.

2

Apply 100% in the app.

3

Get a decision within one day.

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 50.000
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

 Honest Credit Card promo

Belanja lebih cerdas dengan berbagai promo spesial dari Honest Mastercard®.

Enjoy 20% off for Single Day Pass at Waterbom Bali
Enjoy 20% off for Single Day Pass at Waterbom BaliEnjoy 20% off for Single Day Pass at Waterbom Bali
Others
Enjoy 20% off for Single Day Pass at Waterbom Bali
1 Jan
Until
-
1 Jan
2026
New
Enjoy up to 15% discount on hotel bookings worldwide
Enjoy up to 15% discount on hotel bookings worldwideEnjoy up to 15% discount on hotel bookings worldwide
Hotel & flights
Enjoy up to 15% discount on hotel bookings worldwide
1 Apr
Until
-
31 Dec
2025
New
5% Honest Cashback up to Rp4 million
5% Honest Cashback up to Rp4 million5% Honest Cashback up to Rp4 million
Others
5% Honest Cashback up to Rp4 million
18 Jun
Until
-
31 Jul
2025
New
One nigh free at Wyndham Hotels & Resorts
One nigh free at Wyndham Hotels & ResortsOne nigh free at Wyndham Hotels & Resorts
Hotel & flights
One nigh free at Wyndham Hotels & Resorts
Until
-
31 Dec
2025
One night free at di Millennium Hotels
One night free at di Millennium HotelsOne night free at di Millennium Hotels
Hotel & flights
One night free at di Millennium Hotels
1 Aug
Until
-
31 Jul
2025
Save up to 10% on your next Qatar Airways flight
Save up to 10% on your next Qatar Airways flightSave up to 10% on your next Qatar Airways flight
Hotel & flights
Save up to 10% on your next Qatar Airways flight
Until
-
31 Dec
2025
Disc up to 55% off FedEx published rates
Disc up to 55% off FedEx published ratesDisc up to 55% off FedEx published rates
Others
Disc up to 55% off FedEx published rates
15 May
Until
-
15 Jul
2025
Discount up to 7% off selected hotel bookings via Hotels.com
Discount up to 7% off selected hotel bookings via Hotels.comDiscount up to 7% off selected hotel bookings via Hotels.com
Hotel & flights
Discount up to 7% off selected hotel bookings via Hotels.com
1 Feb
Until
-
31 Jan
2026
Mastercard Exclusive Universal Studios Singapore Package
Mastercard Exclusive Universal Studios Singapore PackageMastercard Exclusive Universal Studios Singapore Package
Others
Mastercard Exclusive Universal Studios Singapore Package
1 Jan
Until
-
25 Oct
2025

Honest Credit Card review

Be part of those who experience the benefits of the Honest credit card.

Jun 30, 2025

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.

Yetty YumikoYetty Yumiko
Yetty Yumiko
Jun 19, 2025

Great, the application process is very fast and the approval was also thought to be 1 day but it turned out to be less than 1 day!. The CS is also polite and willing to do a Welcome call at night. Once again, thank you Honest Card!

KennyKenny
Kenny
Jun 8, 2025

I tried to apply because a friend informed me about Honest Card, it turned out to be approved with a limit of 20 million. Within 1 hour after registering, the card was processed and sent. The information during the Welcome Call was also very clear.

Novia PrimawatyNovia Primawaty
Novia Primawaty
May 31, 2025

Try applying and get approved immediately. Once approved, proceed directly to the video call process for final verification and explanation of several important things before sending the card to the registered address. The process is fast, easy and safe. Thank you.

Erwin Ruly SetiawanErwin Ruly Setiawan
Erwin Ruly Setiawan
May 18, 2025

It turns out that it is that easy to apply for an honest credit card, at first I thought it was difficult and would not be approved. The CS agent who clarified was also polite and very clear when giving instructions on how to use the Honest Credit Card. Always be successful, Honest.

Sulis KurniaSulis Kurnia
Sulis Kurnia
May 11, 2025

Very easy, can get the first limit of 5 million according to my ability. Fast application, can transact abroad with a card that will be sent to your home address. Friendly service, good details and explanations can be understood.

Sopian RomadoniSopian Romadoni
Sopian Romadoni
May 6, 2025

The application is quite simple, fast, and the verification process is quite good. Highly recommended for beginners to open this Honest Credit Card. And the welcome call process is easy to understand and the CS is good at delivering it.

Panji ArdiantoPanji Ardianto
Panji Ardianto
Apr 27, 2025

Credit card application approved with a limit of 15 million. Then continued with a very pleasant and warm welcome call, currently the card is still in transit, not used as it should be. Will give a testimonial again when it has been used. Thank you Honest

HamkaHamka
Hamka
Apr 16, 2025

This is amazing, the application is very easy and the customer service is also friendly, teaching various things about credit card fraud methods and prevention. Awesome 🙏

Taufik M.Taufik M.
Taufik M.
Apr 5, 2025

Thank you Honest, registration is very easy, the limit is also quite good for beginners, the explanation is also very clear.

DettyDetty
Detty
Apply now

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 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!

What are you waiting for?

Get your Honest Card today

Apply now