0% foreign transaction fees | Honest Credit Card

Foreign transaction

0% transaction fees with Honest Card

Stop overpaying abroad

For every Rp1 million you spend overseas, you could lose up to Rp70,000 just in fees.

With Honest Card, there are no international transaction fees. One card is all you need—accepted globally.

Save on fees

Only charged an admin fee if you don’t pay in full

Easier approval

Apply for a credit card in just 5 minutes

Travel like a local

No need to exchange cash, pay with your card or your phone

Accepted anywhere

Use it at over 90 million merchants worldwide

The cost of foreign transactions across different payment methods

Honest Credit Card

Honest Credit Card doesn’t charge a foreign transaction fee

Honest Credit Card is accepted globally

Other credit cards

2.5%-3.25%

Fee applies to every transaction

Card acceptance may depend on the condition

Kartu debit

1%–3% margin

Fee applies to every transaction

Transaction may fail when spending offline or abroad

Cash

Up to 5-7%

Depends on exchange rate differences and extra charges

Need to exchange currency and not practical

Overseas ATM withdrawals

2%–3%, plus local bank fees

Need to find the nearest ATM

Kartu Kredit Honest

Kartu Kredit Honest bebas biaya transaksi luar negeri.

Kartu Kredit Honest diterima secara global.

Kartu kredit lain

2.5%-3.25%

Biaya berlaku tiap transaksi.

Kartu bisa dipakai tergantung pada kondisi.

Kartu debit

1%–3% margin

Biaya berlaku tiap transaksi.

Transaksi mungkin bisa gagal ketika belanja di toko atau luar negeri.

Uang tunai

Hingga 5-7%

Tergantung selisih kurs dan biaya tambahan.

Perlu menukar mata uang dan tidak praktis.

Tarik tunai di ATM luar negeri

2%–3%, ditambah biaya yang dikenakan bank lokal

Perlu menukar mata uang dan tidak praktis.

How to use Honest’s contactless credit card to pay abroad

Using the Honest App

Open the Honest app.

Tap the “Tap to Pay” button.

Tap your phone on the EDC machine.

Confirm transaction with cashier.

Note: Tap-to-Pay is currently available for Android devices with NFC capabilities.

Using a physical Honest Card

Tap your card on the EDC machine.

Enter your card PIN.

Confirm transaction status on payment machine.

FAQs about foreign transactions with Honest Credit Card

What is a foreign transaction fee?

A foreign transaction fee is an extra charge imposed by banks or card issuers whenever you use your credit or debit card abroad or in a foreign currency. These fees can reach up to 2.5%–3.25% of the total transaction. Honest Card doesn’t charge this, it’s 0%.

How can I make purchases abroad without extra fees?

Use Honest Card to shop abroad with 0% foreign transaction fees and no currency conversion costs. To stay truly fee-free, just pay your bill in full and on time. That way, you’ll avoid interest charges and even get your monthly admin fee refunded.

How is Honest different from regular bank credit cards?

Honest Card is a non-bank credit card that’s more transparent and accessible. There’s no annual fee, no admin fee if you pay in full and on time, and no foreign transaction fees. The application process is 100% online and only requires your national ID (KTP).

Does Honest Card have an annual fee?

No. Honest Card comes with no annual fee. The only charge is a monthly admin fee, and that’s refundable if you pay your bill in full and on time.

Where can I use Honest Card abroad?

Honest Card is accepted at over 90 million merchants worldwide through the Mastercard network. You can use it at stores, restaurants, hotels, online platforms, and more. From Asia to the Americas.

What’s Honest credit card application process like?

Honest Card is online & free credit card. Just 5 minutes, 100% online via the Honest app, and all you need is your KTP. No printed documents, no bank visits. Once approved, you’ll receive a physical card delivered to your address. Learn how to apply for Honest Card here.