Best credit card for shopping

[FadKuta]

Hello Everyone,

What would be the best credit card for shopping in retail shops and online within Indonesia? Maybe a card with cash back or extra free services.

Thank you.

 

[Samoerai]

Some reviews here ..

You searched for Kartu kredit - PinterPoin

pinterpoin.com

 

[snpark]

Someone else's

 

[Samoerai]

Here are some guidelines to compare creditcards ...

What Are Credit Card Points? What Are They Worth? | LendingTree

Different credit cards offer a variety of points, miles and cash back — all worth varying amounts. Figure out which type of rewards card is best for you based on your preferences and spending habits.

www.lendingtree.com

 

[FadKuta]

Here are some guidelines to compare creditcards ...

What Are Credit Card Points? What Are They Worth? | LendingTree

Different credit cards offer a variety of points, miles and cash back — all worth varying amounts. Figure out which type of rewards card is best for you based on your preferences and spending habits.

www.lendingtree.com

But this is for US based cards, I think it's better to find a comparison for Indonesian banks, Many thanks.

 

[Samoerai]

But this is for US based cards, I think it's better to find a comparison for Indonesian banks, Many thanks.

I understand ... in this article they explain how to compare credit cards ... one can use those guidelines to compare Indonesian credit cards. All those cards give "points" ... how to compare them is rather challenging. These guidelines show you how to compare based on your habits. I think it is very usefull.

 

[Balifrog]

I simply take the card that goes with my bank.
Don't care about cash back, points...

Best one I had in my working days was AMEX, because the miles you could get and the free travel insurance when buying a plane ticket with it.
But that was 15 years ago. I guess things have "improved" since then ?

 

[Samoerai]

Another review ..

10 Kartu Kredit Terbaik Untuk Mengumpulkan GarudaMiles

Berikut 10 Kartu kredit Terbaik untuk Mengumpulkan GarudaMiles Versi PinterPoin!

pinterpoin.com

 

[Jaime C]

I generally use my US credit cards that have no foreign fees, in Indonesia. We had a local bank card, and a Disney+ subscription was charged in Indonesia. Dealing with the local bank was a nightmare, and we are a preferred account holder.

Either a cash back, or airmiles/hotel points earning card. Usually earning 1.5% cash back up to maybe 15% in air or hotel points. It really depends on the current offers.

 

[Ruserious]

I generally use my US credit cards that have no foreign fees, in Indonesia.

Hows the exchange rate? Id be amazed if you are not losing 3%+.
Yes indonesian banks are a nightmare when there are fraudulent charges but in my experience that has very rarely happened. US banks dont even have basic protection such as pins or 2 party authentification.

 

[snpark]

US banking system is prehistoric compared even to Indonesia
Trying to get my clients to transfer money from US to Indonesia is a nightmare whereas I can sit with my phone and click a couple of buttons and send money to US in seconds
It's incredible how behind the US is with technology on some things

 

[Hawk256]

US banking system is prehistoric compared even to Indonesia
Trying to get my clients to transfer money from US to Indonesia is a nightmare whereas I can sit with my phone and click a couple of buttons and send money to US in seconds
It's incredible how behind the US is with technology on some things

You can almost be guarnteed that if you try to make an semi-large authorized purchase with a US CC it will get flagged and take several phone calls to fix but fraudunlent transactions go through with flying colors. Different problem but seems unique to the US.

 

[Ruserious]

what amazes me in the US is how you give them the card in a restaurant...they charge it, they return the card and then you write down a tip on a piece of paper.....and they can charge it again even without having the card. No pins, no even looking at the signature really. Also if they wanted they could charge any amount as a tip afterwards and youd have to check it and fight it later.

US banks seem to have determined that its less just to pay any customers who have fradulent claims than implementing even the most basic security procedures.

 

[Hawk256]

what amazes me in the US is how you give them the card in a restaurant...they charge it, they return the card and then you write down a tip on a piece of paper.....and they can charge it again even without having the card. No pins, no even looking at the signature really. Also if they wanted they could charge any amount as a tip afterwards and youd have to check it and fight it later.

US banks seem to have determined that its less just to pay any customers who have fradulent claims than implementing even the most basic security procedures.

I know of a guy to used to sign his slips with "Istole Thiscard" just for giggles. Some people used "Donald Duck" or something similar. Never heard of any of them being called out. It is literally a joke there.

 

[Jaime C]

Hows the exchange rate? Id be amazed if you are not losing 3%+.
Yes indonesian banks are a nightmare when there are fraudulent charges but in my experience that has very rarely happened. US banks dont even have basic protection such as pins or 2 party authentification.

I have spot checked it over the years, and never saw a huge difference. No foreign surcharges, no “bill in USD” type scams, like some hotels try to get you to accept. Always pay in local currency.