What type of credit card is best for me?

Without cash in the wallet, our purchasing power is enhanced through the credit cards because these cards expand the purchasing power above the fund deposited in the bank account. However, the freedom for additional spending has its price. In other words, the credit card loan interest rate is the highest in the loan space.

Every month, a bill with comprehensive transaction details is sent to the credit cardholders, requesting to pay on time. Paying the credit card debts on time can fetch you umpteen numbers of benefits, while failure to the repayment may end up in disastrous debt. By carefully managing the debts, you can enjoy the interest free loan. With oodles of credit card types on the table, choosing the right credit card that blends with your needs may work like a charm.


All the cards in the market come under the following six categories. Check and find out which category blends with your spending patterns and also ensure if you can pay the bills without any delay, before applying.

Rewards Card

Rewards card may come in the form of Cash Back Cards, Loyalty Cards for shopping and Air miles cards for travellers. These cards are availed to people who maintain top notch credit scores. It is ideal for customers, who repay the credits every month, without fail. If the balance is not paid off, the accrued benefits will be cancelled and added to that, a heavy interest has to be paid for the default in payment.

Credit Card Loans

Many credit cards come with 0% interest for the purchases that are paid through the cards. It is the quick loan online and requires repayment, before the due date. The default in payment may perk up the interest up to 2.5% per month. If you intend to buy a bigger or expensive gadget and cannot pay within a month’s time, this type of card is ideal for you, as the interest free period may extend up to 2 years or more.


To close the current debts on the credit cards, go for a card that offers the balance transfer facility, at 0% interest. Similarly, if the current interest rate is higher compared to another credit card in the market, be ready to pay the penalty amount and make a transfer.

Improving Credit Score

The credit card issuers want to help people who struggle to pay off their debts on time. Prompt payment made on every month is encouraged with 10% interest amount in Citibank Indonesia. Eventually, there is an increase on the credit score and hopefully, it helps to be eligible for a premium card.

Multi-Currency Operations

If you have business in other countries or want to protect your savings in a foreign currency or any other reason for multi-currency usage, go for cards that allow international transactions.

Other Cards

The reputed Indonesian banks like Citibank offers reward points to pay the Telkomsel bills; rewards to pay the local transportation through Garuda Indonesia card; and a lot more.


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