For your profile you should consider the following credit cards first: BCA Everyday Card, Mandiri Platinum Card, Citi Cash Back Card, and BNI Visa Platinum Card
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Recommended card 1
BCA Everyday Card
The BCA Everyday Card is a popular choice among Indonesians for its practical benefits on everyday spending.
This card offers cashback rewards on essential purchases such as groceries, fuel, and dining, making it a favorite for daily expenses. One of the standout features of the BCA Everyday Card is its cashback program, which allows cardholders to earn up to 5% cashback on selected categories. Additionally, the card comes with no annual fee for the first year, adding to its appeal.
BCA also provides various promotional offers with partner merchants, enhancing the value for cardholders. However, the cashback percentages are capped monthly, which might limit the benefits for heavy spenders.
Recommended card 2
Mandiri Platinum Card
Bank Mandiri’s Platinum Card is tailored for frequent spenders, offering a robust rewards program.
Cardholders earn reward points for every transaction, which can be redeemed for a wide range of products and services. The Mandiri Platinum Card is particularly appealing to travelers, as it includes travel insurance and access to airport lounges, providing extra comfort and security during travel.
The card also features special discounts and promotions with numerous partner merchants. While the rewards program is attractive, the card does come with an annual fee, which may be a consideration for some users. Additionally, the travel benefits might be less relevant for those who do not travel frequently.
Recommended card 3
Citi Cash Back Card
The Citi Cash Back Card from Citibank Indonesia is designed for those who prioritize cashback over other types of rewards. This card offers one of the highest cashback rates in Indonesia, providing up to 5% cashback on dining, groceries, and fuel.
The Citi Cash Back Card also includes 0% installment plans, allowing cardholders to manage their finances more effectively by spreading the cost of purchases over several months without additional interest.
Moreover, cardholders can enjoy dining privileges at select restaurants. However, the high cashback rate comes with a catch: there is a cap on the maximum cashback that can be earned each month.
The card also has an annual fee, which might offset some of the cashback benefits for infrequent users.
Recommended card 4
BNI Visa Platinum Card
The BNI Visa Platinum Card is a versatile option, offering a flexible rewards program that caters to various spending habits. Cardholders earn reward points for every transaction, which can be redeemed for travel, shopping, and entertainment.
The BNI Visa Platinum Card also provides travel insurance and access to airport lounges, similar to the Mandiri Platinum Card, making it a good choice for travelers. BNI often runs promotional campaigns, providing discounts and special offers with partner merchants.
While the rewards program is appealing, the annual fee might be a drawback for some users. Additionally, the benefits may be more attractive to those who can take full advantage of the travel perks and promotional offers.
| Credit Card | Annual Fee | Interest Rate | Cashback/Points/Miles Earn Rate | Monthly Cashback/Points Cap | Travel Benefits |
|---|---|---|---|---|---|
| BCA Everyday Card | None (First Year) | 2.25% per month | Up to 5% cashback on groceries, fuel, dining | Capped at IDR 100,000 per month | None |
| Mandiri Platinum Card | IDR 300,000 | 2.25% per month | 1 point per IDR 1,000 spent | No cap, but redemption options vary | Travel insurance, lounges |
| Citi Cash Back Card | IDR 500,000 | 2.25% per month | Up to 5% cashback on dining, groceries, fuel | Capped at IDR 100,000 per month | None |
| BNI Visa Platinum Card | IDR 600,000 | 2.25% per month | 1 point per IDR 2,500 spent | No cap, but redemption options vary | Travel insurance, lounges |
When comparing these four credit cards, each has unique strengths catering to different needs.
The BCA Everyday Card is ideal for everyday purchases with its cashback program, while the Mandiri Platinum Card and BNI Visa Platinum Card are excellent for frequent travelers with their travel benefits and rewards programs.
The Citi Cash Back Card stands out for its high cashback rates on essential spending categories.
Ultimately, the best choice depends on individual spending habits and preferences, weighing factors like cashback limits, annual fees, and the relevance of travel perks.
Are you still not sure?Considering your unique profile, we believe the best for you is?