Yeah we have BCA SQ and BNI Garuda. Works well.
With the BCA points it's very easy to 'pay' at ACE or so btw.
Ok first of all, if you are an expat even with a job and KITAS, it can still be a pain to get a credit card, some banks even request you deposit funds and then give you a % of that as the limit
So don't assume you will automatically get a card, even with a KITAS
About the fees, even for the top level it is not much around 500,000rp a year but anyway they will refund it if you are a big spender or ask them too. I think even it will say somewhere that the fee is not charged if you use it a certain amount.
It is not a huge amount anyway, not like some cards that want $2,000 a year etc etc so you have a concierge to call and book you a flight in case you don't have a wife or a computer and want to pay full fare lol
Mostly the local banks have the best promo at the shops, malls etc, like BNI BRI, Permata, Danamon etc
BCA and HSBC have promos but I see mostly the local (Govt?) banks do more promos in the malls