Number of credit cards in Indonesia 2017-2022

In 2022, the number of credit cards in Indonesia amounted to 17.2 million. The number of credit cards in Indonesia decreased by three percent when the COVID-19 crisis happened in 2020. Currently, there are 28 credit card issuers in Indonesia. Credit card ownership in Indonesia To own a credit card in Indonesia, the primary cardholder must be at least 21 years old or married and have a monthly income of at least three million Indonesian rupiah, while an additional credit card can be used by anybody who is at least 17 years old. According to a survey by the World Bank, about two percent of the wealthiest 60 percent in Indonesia held a credit card. In comparison, only around one percent of the poorest 40 percent of the population owned a credit card. Visa and Mastercard are the most frequently owned credit cards by Indonesians. Credit card transactions in Indonesia Even though there were fewer credit card transactions in Indonesia, the value of those transactions increased throughout the COVID-19 crisis in 2020. To boost Indonesia's economic recovery from the crisis, Indonesia's central bank has cut the maximum credit card interest rate from 2.25 to 1.75 percent per month per July 2021 and decreased the minimum credit card payment from 10 percent to 5 percent of its total balance each month per July 2022.

于2022年，印度尼西亚的信用卡数量达到了1720万张。在2020年新冠疫情爆发时，印度尼西亚的信用卡数量较之前下降了3%。目前，印度尼西亚共有28家信用卡发行机构。在印度尼西亚拥有信用卡，主要持卡人须年满21周岁或已婚，且月收入至少为300万印尼盾，而额外信用卡的使用则可由任何年满17周岁之人使用。根据世界银行的一项调查，印度尼西亚最富有的60%人群中，约有2%持有信用卡。相比之下，印度尼西亚最贫穷的40%人口中，仅有约1%的人拥有信用卡。对于印尼人而言，Visa和Mastercard是最为普遍持有的信用卡品牌。尽管在新冠疫情期间印度尼西亚的信用卡交易量有所减少，但交易的价值在整个疫情期间却有所上升。为促进印度尼西亚从危机中经济复苏，印度尼西亚央行自2021年7月起将信用卡的最高利率从每月2.25%下调至1.75%，并于2022年7月起将最低信用卡还款额从总余额的10%下调至5%。