How to Activate Indonesia Credit Card for QRIS Transactions
Bank Indonesia (BI) launched the Indonesia Credit Card (KKI) Retail Segment on Monday, 17 August 2026. The KKI is being developed in stages, starting with features for QRIS payments and online payments, followed by the introduction of physical cards.
In the initial phase, launched on 17 August 2026, the Indonesia Credit Card is issued in digital form to serve as a funding source for QRIS transactions. These transactions can be completed via QRIS Scan, QRIS without scanning (QRIS Tap), or QRIS Tap.
In this context, Payment Service Providers (PJP) have launched the Indonesia Credit Card involving several banks in the first stage. These include Bank Central Asia (BCA), Bank Mandiri, Bank Negara Indonesia (BNAB), Bank Rakyat Indonesia (BRI), CIMB Niaga, Permata Bank, Bank Mega, and Bank Syariah Indonesia (BSI).
How to Apply and Activate the Retail Indonesia Credit Card
CIMB Niaga
Ensure customers have an active OCTO application.
Complete a physical application form with full and accurate information, or scan the available QR simple Web Form and provide a full name and a contact number for CIMB Niaga staff to follow up.
Existing CIMB Niaga Credit Card holders must complete a physical application and attach a photocopy of their ID (KTP).
New customers must complete the application and attach a photocopy of their ID (KTP) along with recent income documentation.
The card will be processed within approximately 2-3 working days once complete data and documents are received.
Customers will receive notification via SMS/WhatsApp regarding approval or rejection.
If approved, customers must immediately activate the card via the OCTO application.
Activation via OCTO
Activate and create a PIN for the Indonesia Credit Card (KKI) Retail Segment through the OCTO application.
BCA
BCA Credit Card applications can be made by visiting the nearest BCA Branch, visiting a sales booth (direct sales), or being contacted by a BCA sales representative. Applications can also be made online via the BCA Webform, BCA eBranch application, VIRA, and BCA telemarketing.
Requirements for BCA Credit Card applications include:
Indonesian citizens (WNI) or foreign nationals (WNA) residing in Indonesia.
Minimum age of 21 (or married) and a maximum age of 65 for primary card applications.
Minimum monthly income of IDR 3,000,000.
Activation via myBCA
Log in to myBCA
Click the Settings icon in the top right corner.
Select Credit Card.
Select Indonesia Credit Card for activation.
Click Activate Credit Card.
Tick the approval box.
Enter your PIN to confirm.
Credit Card activation successful.
BSI
Customers must complete the BSI Hasanah Card Application Form, Service Instruction Book, and information found on the website www.bankbsi.co.id.
Once the Application Form is approved by the Bank and the card is activated by the Cardholder, the Akad Kafalah bil Ujrah, Akad Qardh, and Akad Ijarah contracts are established.
Activation via BYOND
Through the BYOND application, select the PAY menu.
Select Hasanah Card from the payment menu list.
Enter the 16-digit BSI Hasanah Card number.
Upon verification, the following information will appear: Card Number, Issue Date, Expiry Date, Cardholder Name, Bill Amount, and Minimum Payment.
Enter the payment amount.
Confirm the payment.
Enter the transaction PIN.
Transaction complete.
Bank Mega
Credit card applications can be made via M-Smile, the onboarding website, or the nearest branch.
Applicants must complete personal data and required documents, including a photo of their ID (eKTP), NPWP (optional), and a selfie holding the original ID.
Activation
To activate a Bank Mega credit card, send an SMS to 83377 using the format: PIN [Last 4 Digits of Card] [DDMMYYYY] [6-Digit PIN].