# Honest Card

> Honest Card is a credit card product issued by PT Honest Financial Technologies, a licensed and supervised fintech company under Indonesia's Financial Services Authority (OJK) and Bank Indonesia (BI). Honest offers a smarter, simpler, and more transparent credit card experience — fully managed through a mobile app.

Honest Card is designed for Indonesian consumers who want a credit card with a high approval rate (90%), no hidden fees, unlimited cashback, and flexible credit limits up to IDR 100 million. The card is numberless for enhanced security, operates on the Visa network, and is accepted at over 90 million merchants worldwide. Application takes just 5 minutes and is done entirely through the Honest app.

## Key Features

- **90% Approval Rate**: Fast approval process, usually within 5 minutes of applying.
- **Credit Limit**: Starting limit that can grow up to IDR 100 million monthly.
- **No Annual Fee**: No annual fee, no late penalty fee, no billing fee, no stamp duty, no overlimit fee, no limit increase fee, and no card replacement fee — as long as the bill is paid in full and on time.
- **0% Interest**: Zero interest when paying the full balance on time.
- **Unlimited Cashback**: Earn up to 1% cashback on every transaction worldwide via Honest Points, with no minimum transaction or tier requirements.
- **Numberless Card**: Card number, expiry date, and CVV/CVC are only accessible through the app for improved security. Card can be locked anytime.
- **QRIS**: Supports QRIS (Indonesia's national QR code payment standard).
- **Flexible payment**: Users can make payments flexibly according to their financial capability through the Honest app.
- **Free Credit Score Check**: Users can check their credit score for free within the app.
- **Wide Acceptance**: Accepted wherever Visa is accepted — in Indonesia and internationally, including merchants like Gojek, Grab, Tokopedia, Shopee, Lazada, Alfamart, Shell, Pertamina, and DANA.

## Application Requirements

- Indonesian citizen (WNI)
- Age: 21–65 years old
- Active WhatsApp number

## How to Apply

1. Download the Honest app (available on Android / Google Play Store)
2. Apply 100% through the app in under 5 minutes
3. Receive approval in as fast as 2 hours

## Promotions

Honest runs ongoing merchant promotions including discounts and cashback at restaurants, supermarkets, cinemas, and more. Current active promotions include partners such as KFC, Tomoro Coffee, CGV, Farmers Market, Ranch Market, Wendy's, Tasty Kitchen, Paris Baguette, and Baskin Robbins.

- Promo overview: https://www.honest.co.id/promos
- Shopping promos: https://www.honest.co.id/promo/belanja-online-kartu-kredit
- Hotel & flight promos: https://www.honest.co.id/promo/hotel-tiket-pesawat-kartu-kredit
- Dining promos: https://www.honest.co.id/promo/restoran-makan-kartu-kredit

## Regulatory & Security

- Licensed and supervised by OJK (Otoritas Jasa Keuangan) and Bank Indonesia (BI)
- Member of LAPS SJK (alternative dispute resolution body)
- ISO/IEC 27001 certified for information security management (certified by CBQA Global)

## Company

PT Honest Financial Technologies  
Website: https://www.honest.co.id  
WhatsApp Support: https://wa.me/6281119191101

## Pages

- Homepage: https://www.honest.co.id
- How to Apply: https://www.honest.co.id/cara-mengajukan-kartu-kredit-honest
- All Features: https://www.honest.co.id/fitur-kartu-kredit
- Approval 90%: https://www.honest.co.id/fitur-kartu-kredit/instan-mudah-cepat-disetujui
- Credit Limit: https://www.honest.co.id/fitur-kartu-kredit/limit-kartu-kredit
- Monthly Fee (refundable): https://www.honest.co.id/fitur-kartu-kredit/biaya-bulanan
- Cashback / Honest Points: https://www.honest.co.id/fitur-kartu-kredit/kartu-kredit-cashback
- Tap to Pay: https://www.honest.co.id/fitur-kartu-kredit/contactless-tap-to-pay
- QRIS Payment: https://www.honest.co.id/fitur-kartu-kredit/bayar-pakai-qris-honest
- Installments: https://www.honest.co.id/fitur-kartu-kredit/cicilan
- Free Credit Score Check: https://www.honest.co.id/cek-skor-kredit
- FAQ / Help Center: https://www.honest.co.id/bantuan
- About Us: https://www.honest.co.id/tentang-honest
- Blog: https://www.honest.co.id/blog
- News: https://www.honest.co.id/berita
- Careers: https://www.honest.co.id/karir
- Community: https://komunitas.honest.co.id
- Privacy Policy: https://www.honest.co.id/kebijakan-privasi
- Terms & Conditions: https://www.honest.co.id/syarat-dan-ketentuan
- Cardholder Agreement: https://www.honest.co.id/perjanjian-pemegang-kartu
- Corporate Publications: https://www.honest.co.id/informasi-finansial-laporan-regulasi/laporan-regulasi
- Vulnerability Disclosure Policy: https://www.honest.co.id/vulnerability-disclosure-policy

## Social Media

- Instagram: https://www.instagram.com/honestindo/
- TikTok: https://www.tiktok.com/@honestindo
- Facebook: https://www.facebook.com/indohonest
- YouTube: https://www.youtube.com/@HonestIndonesia
- Twitter/X: https://twitter.com/honestindo
- LinkedIn: https://id.linkedin.com/company/honestbank