Honest Card features
A new credit card concept
What can you do with Honest Card?
Use Honest credit card for hassle-free shopping and easy financial control.
Quick approval with 90% chance
No more waiting around for days! 90% of applicants get approved, get a decision in as little as 2 hours.
Limit can increase every month
Start with a credit limit that fits, and watch it go up every month by using your card regularly and completing simple in-app missions.
Fully refundable fee
Just one simple fee. Pay your statement in full, and get a 100% fee refund!
Maximum rewards for everyone
Earn credit card reward points every time you spend with Honest Card, with no confusing level or mission.
Safer credit card
No numbers on your physical card. No prying eyes, no stress if lost. Your card info stays securely in the app, just for you.
More flexible than installments
Forget rigid plans. With the Honest app, you control payments—small, large, or all at once.
Buy now pay later
Need something but short on cash? No worries. With Honest credit card, pay your bills in full or in part—manage expenses your way.
No annual fees, ever
Say goodbye to pesky annual fees! Also, no common credit card fees like late fees.
Instant expense tracking
Get real-time notifications in the Honest app. That way, you’re always on top of your spending.
Easy payment with your phone
Tap your phone to pay. Enjoy secure, fast payments with NFC technology.
24/7 Honest Care
Contact us via WhatsApp chat on +628‑111‑919‑1101 if you need help with your Honest credit card application.
How can you use the Honest credit card?
How can I increase my credit limit?
The Honest Credit Card offers a maximum credit limit of up to IDR 100 million based on your salary and credit score. However, you can also grow your limit automatically by:
- Using your Honest credit card regularly to make transactions
- Paying at least the minimum amount on time
By following these steps, you will build a strong credit history, which will allow you to be considered for an automatic credit limit review. Do note that any increase will depend on various factors, including your history with Honest and other institutions. Learn how to increase your credit score in our blog.
What happens if I miss a payment?
We do not recommend paying after the due date. If you are late in paying your bill, your card will be blocked, which can negatively impact your credit score. This could affect your loan approvals and future job opportunities. Learn more about credit scores in our blog.
How can I dispute an unrecognized transaction?
If you spot a transaction you don't recognize, contact our Customer Service team right away via WhatsApp at +6281119191101 to file a dispute. We'll help you investigate and resolve the issue.
Does Honest provide online loans?
Honest does not offer personal loans online. As we are not an online loan platform, we cannot offer cash loans. The Honest Card is a credit card for online and offline transactions with the ability to manage monthly payments with the Honest app.