Indonesia's Credit Card: Initial Digital Format, Used via QRIS
Jakarta, CNBC Indonesia - After being officially launched on 17 August 2026, the Kartu Kredit Indonesia (KKI) Retail Segment can be used by individuals and corporations.
Bank Indonesia (BI) itself said that in principle, KKI can be issued by all payment service providers, both banks and non-bank institutions, that meet the requirements in accordance with the regulations.
There are seven banks appointed for the initial implementation of the KKI Retail Segment by Bank Indonesia, namely BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Permata Bank, and Bank Mega, as well as one next mover payment service provider, namely BSI, which can issue KKI.
The Kartu Kredit Indonesia (KKI) Retail Segment, or KKI, is a payment instrument with a credit facility as the source of funds (deferred payment) whose transaction processing is carried out domestically through the National Payment System Infrastructure.
It should be remembered that this card is different from conventional credit cards, where part of the transaction process involves international networks. The Kartu Kredit Indonesia is processed entirely through domestic infrastructure.
This instrument uses a deferred payment facility with a credit card source of funds that can be used via QRIS Scan or QRIS Tap.
“With domestic transaction processing, BI assesses that the efficiency of the national payment system will increase while strengthening the sovereignty of Indonesia’s financial data and transactions,” Bank Indonesia wrote in its explanation, quoted on Tuesday (18/8/2026).
According to BI, KKI is available in the form of a digital card and a physical card. In the initial stage, KKI is available in digital card form and can be used as a source of funds for transactions through the QRIS ecosystem, namely QRIS MPM, QRIS CPM, and QRIS TAP. Going forward, KKI will be developed gradually to facilitate online transactions through Online Payment, as well as offline transactions using a physical card.
“Provisions regarding the use of KKI will refer to the channel used. The KKI QRIS feature will refer to existing QRIS provisions, including a transaction limit of Rp10 million per transaction with an MDR of 0% to 0.7%. Transactions and settlement refer to existing mechanisms,” BI wrote.
In the initial stage, KKI can be used for all types of public spending at merchants that accept payments using QRIS, both domestically throughout Indonesia and abroad through the QRIS Cross Border scheme in partner countries.
So, what is the difference between KKI and international principal credit cards?
The main difference lies in the transaction processing scheme. KKI is processed domestically through the National Payment System Infrastructure. Meanwhile, international principal credit cards use a processing scheme from an international principal.
According to BI, KKI co-exists with international principal credit cards. The public still has a choice of payment instruments according to their needs.
What are the general requirements for owning a Kartu Kredit Indonesia?
KKI is part of APMK which has been regulated in Board of Governors Regulation Number 32 of 2025 concerning Payment System Industry Regulation. Based on the currently applicable provisions, the requirements for prospective users include:
The minimum age limit for a prospective primary credit card holder is 21 (twenty-one) years or married; and
The minimum age limit for a prospective supplementary credit card holder is 17 (seventeen) years or married;
Having a minimum income of Rp3 million per month after deducting obligations;
As well as meeting the creditworthiness assessment and risk management process of the issuing payment service provider.
Payment service providers may request additional information or documents in accordance with the credit assessment process applicable at each payment service provider.