Cards that can earn GarudaMiles in Indonesia
Compare direct GarudaMiles earning with bank-point transfer routes and their different restrictions.
How to compare these products
A direct co-brand route is easier to understand, while transferable currencies can offer flexibility. Compare the actual spend required, transfer minimum and expiry before choosing.
| Card | Recorded earning | Reward currency | Annual fee | Verification status |
|---|---|---|---|---|
| BNI Garuda BNI Visa Signature | 2 miles / IDR 24,000 eligible spend | GarudaMiles | IDR 800,000 | Indexed from official sources; confirm availability |
| Jenius Visa Credit Card | Seed / Plant: 1 Yay Point per IDR 12,000 eligible domestic spend. Higher clubs: 1 per IDR 10,000. | Yay Points | IDR 750,000 | Indexed from official sources; confirm availability |
| Maybank White Card | Select the TREATS Miles wallet: 1 per IDR 10,000 (Onyx), IDR 9,000 (Emerald), or IDR 8,000 (Diamond). | Maybank TREATS Miles | IDR 180,000 | Indexed from official sources; confirm availability |
| OCBC Indonesia 90°N | 1 Travel Mile / IDR 12,000 domestic eligible spend | Travel Miles | IDR 1,000,000 | Indexed from official sources; confirm availability |
Decision checklist
- Confirm that you meet residency, age, income and banking requirements.
- Separate ordinary earning from promotional or conditional earning.
- Calculate the bank points you can earn from normal eligible transactions.
- Apply the correct airline conversion ratio and minimum.
- Subtract annual fees and account for point expiry.
- Search the award you want before an irreversible transfer.