Credit Cards
In recent years, debit and credit cards have become common payment methods that are widely used in Indonesia. Indonesians, especially those living in big cities, choose to carry less cash and use debit and credit cards for more convenient and practical reasons. So for Pesona Pals who want to travel to Indonesia, there is no need to worry about using debit and credit cards to support the fun while traveling.
What types of Debit and Credit Cards are Acceptable in Indonesia?
Most international credit card networks are accepted in major cities in Indonesia, especially in tourist destinations such as Jakarta, Bandung, Bali, Surabaya, Medan, Yogyakarta, etc. Credit cards such as JCB (Japan Credit Bureau) can be accepted in Indonesia because they work with several well-known banks in Indonesia such as BNI (Bank Negara Indonesia, CIMB Niaga, Mandiri, and BRI (Bank Rakyat Indonesia). In addition, American Express (Amex) can also be accepted in Indonesia but has less cooperation with several banks in Indonesia, currently Bank Danamon is one of the local banks affiliated with Amex. The most widely accepted cards at merchants in Indonesia are Visa and Mastercard. It's best to make sure to ask a store clerk before using a credit card, as some stores do not display the card symbols of the credit and debit cards they accept.
How Much Cash Can I Bring to Indonesia?
Although debit and credit cards or other prepaid cards can be accepted in big cities, it is better to bring rupiah in cash. This is especially recommended when traveling to small towns, as ATM machines in such places will be hard to find and local shops can only accept cash. The amount of cash allowed to enter Indonesia or bring abroad is Rp100,000,000.00 (one hundred million rupiah) or other currency equivalent to this amount. If more than this amount, then Pesona Pals must declare it to the Indonesian Customs.
Which ATMs can be used to withdraw cash?
ATMs are widespread throughout Indonesia's major cities. Cards with international networks such as, Cirrus, Maestro, and Plus, are the most commonly accepted card types and can withdraw cash at almost all major bank ATMs in Indonesia. The Cirrus and Maestro logos are associated with Mastercard, while Plus is associated with Visa. However, before inserting the card, be sure to check whether or not the Cirrus, Maestro, or Plus logo is displayed on the ATM machine. JCB cardholders can withdraw cash at Indonesian affiliated banks such as BNI (Bank Negara Indonesia, CIMB Niaga, Mandiri, BRI (Bank Rakyat Indonesia), and also make sure to check whether or not the JCB or Cirrus logo is displayed on the ATM machine.
Meanwhile, American Express cardholders can withdraw cash from Bank Danamon ATMs throughout Indonesia. While it is practical to carry a debit or credit card for travel pleasure, it is recommended that you should still carry cash when traveling to remote areas or visiting local and traditional markets that only accept cash payments. This way, you will have a smooth and enjoyable vacation in Indonesia. Enjoy your vacation time, Charming Friend!