Credit card with instant approval
Applying made easy
Benefits of applying for a credit card with quick approval
Save time
Apply for a credit card in just 5 minutes.
Fast approval
100% online process with decisions in as little as 2 hours.
Simple verification
All you need is your ID card and an active WhatsApp number.
Track your application status online
Directly through the Honest app.
Quick and easy: How to apply for Honest Credit Card
Tips for quick and easy approval during your credit card application
Maintain a good credit score
If you have any other cards, pay those bills on time to improve your chances of approval.
Avoid applying for multiple cards
Apply for one credit card at a time to avoid rejection.
Clear any outstanding debt
Settle any overdue payments before applying for a credit card.
Fill in your details accurately
Ensure all details match your ID.
Meet the criteria
Make sure your monthly income is at least Rp3,000,000.
FAQ about how to apply for an Honest Credit Card with easy and fast approval
How can I increase my chances of approval?
Make sure you meet the requirements and fill out the application form accurately and completely. Your chances of approval are higher if you have a good credit history and always pay your credit bills on time.
Are there any fees to be paid when applying?
Honest Credit Card does not charge any fees for applications. However, depending on your credit history or BI checking, you may be asked to pay a one-time registration fee. This helps us offer credit to more people, even if they don’t have much credit history yet. If your credit score is good, you may qualify without any fee.
After you get approved, Honest only charges one simple credit card monthly fee. Even though Honest offers a variety of attractive credit card features, such as free credit score report, contactless cards, and flexible payment or installment options, there are no annual fees.
Can I use the Honest Credit Card immediately after approval?
No. After your instant and fast credit card application is approved, you will need to wait for your physical credit card to arrive. Once you activate it via a video call, you can start making transactions anytime, anywhere, and enjoy Honest credit card promotions.
Are there options for applying for a credit card for foreigners?
No. Currently, Honest Credit Card is only available for Indonesian citizens (WNI).
How can I apply for an Honest Credit Card if I have a bad credit history?
You can still try to apply for a credit card through the application process in the Honest app. Prepare your ID card (KTP) and WhatsApp number. The Honest team will assess whether you are eligible for the Honest Credit Card. If your application is approved, you can immediately use the Honest Credit Card and enjoy promotions for both online and offline shopping.