Applying for a credit card doesn't take all day

Honest is licensed and supervised by Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI).

In the past, applying for a credit card meant visiting a bank or meeting a sales representative to fill out physical forms. This process could take an entire day due to travel and waiting in lines or scheduling appointments. Now, you don't have to deal with that anymore. With the Honest credit card, you can apply anytime, anywhere, directly from your phone.

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Why choose an Honest credit card?

Designed to be the perfect credit card for today's younger generation, the Honest credit card offers the following advantages:

1. Easy and Time-Saving Application

To get this credit card, simply download the Honest App from the Google Play Store, enter your mobile number, and fill out the form accurately and completely. The only documents required are your KTP (ID card) and a selfie for verification. Make sure you are in a well-lit, quiet place when you apply.

You can complete the application form in 5 minutes. After that, you can receive an approval decision in as little as 5 minutes, with an approval rate of up to 90%.

2. Can Be Used Anywhere

The Honest credit card partners with Visa, one of the world's largest payment networks. This means your card can be used for online and offline shopping at over 100 million merchants worldwide. The Honest credit card also supports QRIS for your daily transactions. This #HonestWithYou credit card is perfect for those who prefer simplicity.

3. Collect Points, Get Rewards

You will earn 1 reward point for every Rp1,000 spent using your Honest credit card. These reward points are calculated at a consistent rate for every transaction, making it easy for you to track and estimate how many points you will earn.

Collected points can be redeemed for various daily benefits, such as electricity token discounts, mobile credit vouchers, cashback, and much more. Check them all out in the Honest App. You can read the full Terms and Conditions of the rewards program on the Honest Rewards T&Cs page.

Still want more? Keep checking the official Honest promo page for more exciting offers!

4. Easy and Secure to Use

In today's cashless era, credit card payments have evolved. The Honest credit card can be used not only by entering card details into a system but also by tapping it against an EDC machine, provided your phone supports near-field communication (NFC). With this feature, you don't need to carry the physical card; just tap your phone against the EDC machine.

Beyond convenience, Honest is designed with security in mind. The physical card does not display sensitive information like the card number or CVV/CVC; these details can only be viewed through the Honest App. If your card is lost or stolen, you can request a temporary block directly through the app.

How to apply for an Honest Credit Card

Follow these steps to apply for your credit card:

1. Prepare your KTP and other supporting documents
2. Download the Honest App
3. Click "Create new card"
4. Enter your WhatsApp number, then click "Send OTP to WhatsApp"
5. Enter the OTP code
6. Read the "Terms and Conditions," then click "Agree"
7. Take a selfie
8. Click "Confirm Now" to capture and verify your ID card data
9. Once verified, enter your income source details, then click "Continue"
10. Enter your income amount and click "Continue"
11. Enter additional information regarding your income source
12. Upload a scan of your payslip
13. Fill in your employment details
14. Click "Agree" on the "Agreement" page
15. Your application is being processed
16. If approved, the app screen will display your initial credit limit
17. Done, your card will be sent by mail

Once the card arrives, activate it before you can use it for transactions. This Honest credit card is perfect for first-time credit card users or those who prefer a hassle-free experience, as the requirements and application process are designed to be as simple as possible.

#HonestWithYou — apply now and enjoy the convenience.

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Frequently Asked Questions (FAQ)

1. What is the minimum monthly income required to apply for an Honest credit card?
   The minimum income to apply for an Honest credit card is IDR 3 million per month.
2. Can first-time credit card applicants get approved immediately?
   You can choose a beginner-friendly credit card, such as Honest, which is specifically designed for those just starting out with credit cards—the process and requirements are kept as simple as possible. Final approval still depends on your profile eligibility at the time of application.
3. Is it okay to apply for credit cards from multiple banks at once?
   It is best not to, as this can signal that you are in urgent need of funds, which may actually increase the risk of rejection. If you need a credit card with a convenient application process, Honest is a great option.
4. Will a bank customer service representative contact me when I apply for a credit card?
   Some credit card issuers verify data via phone calls from Customer Service. At Honest, the personal data verification process is handled directly through the Honest App.
5. Is applying for a credit card online easier than offline?
   Generally, online applications are more convenient because they can be completed directly through an app without needing to visit a physical location. Whether your application is accepted or not still depends on your profile eligibility at the time of application.

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