QRIS credit card, an innovations for everyday transactions

Now, nope only e-wallet and debit cards that can make transactions using QRIS, credit cards can also, you know! It is still rare to wear it, but it is also practical and safe.

In order to nope Curious, let's get acquainted with the QRIS credit card from the understanding, how it works to the following tips for everyday transactions!

What is a QRIS credit card?

A QRIS credit card is a payment method that allows you to make transactions scan QRIS in merchant, but the source of the funds comes from credit card limits. The payment process is the same, only the bill will be recorded as a credit card transaction so that you can still enjoy the convenience of non-cash payments as well as the flexibility to pay later according to the terms of the credit card used.

Tips for using a QRIS credit card for everyday transactions

QRIS credit cards do make it easier for everyday transactions. To be safe, and stay in control check out the following tips!

1. Use for regular needs

The first tip of using a QRIS credit card for everyday transactions is to consider it a regular necessity. Use it for necessities such as meals, transportation, or daily shopping. Avoid thinking of this QRIS credit card as extra money because you will have a hard time controlling your finances.

2. Enable transaction notifications Real-time

Another tip is to turn on notifications Real-time. Some credit cards are now equipped with a direct notification feature, this feature is important so that you have more Aware with spending at once as a precautionary measure if signs of fraud are found.

Recommended QRIS credit cards with notifications Real-time, you can try Honest credit card. Every QRIS transaction is instantly notified in the Honest App credit card app, so you can instantly know what, where, and how much is charged. Nah, which makes it even more interesting, QRIS transactions at Honest can be cashback in the form of Honest Points. Although the percentage is smaller than card transactions, the points remain valid and can be collected from daily transactions that you often make, such as groceries, shopping, or paying for regular necessities.

Nope just that, QRIS in Honest It can be used in thousands online merchant nor offline, it even already supports cross country QRIS in partner countries. The transaction is also nope There is an additional cost, as long as you pay bills on time, with a QRIS limit of up to IDR 10 million per transaction and per day.

3. Make sure merchant official and trusted

When using QRIS, make sure you are transacting on merchant official and reliable. It doesn't mean you nope You can pay in MSMEs, because main objectives of QRIS is to promote economic equalization and make it easier for MSMEs to accept digital payments. Importantly, you remain more careful when making payments.

Before clicking pay, make it a habit to check the recipient's name or name merchant that appears on the application screen. Make sure it corresponds to the store or seller where you are transacting, and do not hesitate to ask the cashier if there is a name that feels awkward or different. With this simple step, you can still support MSMEs while minimizing the risk of mistakes transfers or fraud when paying with QRIS.

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4. Pay bills on time 

As a wise credit card user, you should always pay bills on time. That way, you can avoid interest and late fines, while keeping your financial condition healthy. In addition, the habit of paying on time also helps keep credit history good, so using credit cards including for QRIS transactions remains safe, convenient, and in control.

5. Separate for necessity, not implicitly

Finally, in anticipation of impulsive behavior, it is best to separate funds as needed. QRIS does make transactions super easy and fast, but on the other hand it can also make us easy to navigate. So that you do not get hungry, make a habit of organizing money to separate posts as needed for example for meals, transportation, and shopping.

Nah, it's her understanding and tips using a QRIS credit card. The easier the payment system should be the wiser in managing finances. Use an Honest Card to keep spending practical and controlled!

Frequently Asked Questions (FAQ):

1. How do I use a QRIS credit card?

The QRIS credit card system is actually the same as the existing QRIS on e-wallets and mobile banking. You just need scan QRIS code in merchant Then automatically the transaction made will cut your limit.

2. Do transactions using QRIS credit cards incur an additional fee?

In general, buyers who make transactions using QRIS will not incur additional fees because merchants (merchant) it is forbidden to charge additional fees to the buyer.

3. What is the QRIS credit card transaction limit?

There is no specific limit amount for transactions using a QRIS credit card, but it depends on the number of credit card limits you have. But in general, transactions with QRIS are limited to a maximum of 10-25 million per day (depending on the policy of the issuing bank).

4. What are the advantages of a transaction using a QRIS credit card over a physical swipe of a credit card?

The advantage of using QRIS credit card transactions is that you do not need to bring the physical card, just use the credit card application to scan QRIS in merchant. Meanwhile, transactions using physical credit cards require an EDC machine to perform a swipe of the card, whereas nope all merchant provides EDC engines for transactions.

5. Are QRIS credit cards secure?

Yes. QRIS credit cards are safe to use because they require a PIN or fingerprint in order to make transactions.