INDEPENDENT REWARDS RESEARCH

Indonesia mileage-linked cards

🇮🇩 92 indexed cards · 16 issuers · partially verified

Explore locally issued cards, compare annual costs and trace the route from purchases to airline rewards.

Research status and remaining gaps

Updated 19 cards and added DBS Vantage. Corrected UOB PRIVIMiles to 12 UOB Points per mile and DBS Travel Platinum domestic earning. Many remaining issuer fees, availability, rounding and transfer terms need review; three routes remain quarantined.

Compare cards in Indonesia Download market CSV

Understand the local earning route

Choose the market where you live and can access banking products. Confirm the issuer’s residency, account and underwriting requirements. Card rewards are recorded in their own currency; airline conversion rules are separate.

Compare recurring card fees plus any required rewards fee, first-year charges, transaction exclusions, rounding and the exact conversion to your chosen airline. A fee waiver or bonus only applies when its conditions are met.

Browse by issuer

BCA · BNI · Mandiri · CIMB Niaga · Danamon · Maybank · UOB Indonesia · HSBC Indonesia · DBS Indonesia · OCBC Indonesia · Panin · Jenius · PermataBank · Bank Sinarmas · Bank Mayapada · MNC Bank

BCA

Bank points

Everyday Card

0.3% of eligible purchases as Reward BCA

IDR 125,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

BCA Card Platinum

0.3% of eligible purchases as Reward BCA

IDR 250,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

Visa Batman

0.2% of eligible purchases as Reward BCA

IDR 125,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

Visa Black

0.2% of eligible purchases as Reward BCA

IDR 450,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

Mastercard Black

0.2% of eligible purchases as Reward BCA

IDR 450,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

Mastercard Globe

0.2% of eligible purchases as Reward BCA

IDR 125,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

Mastercard World

0.2% of eligible purchases as Reward BCA

IDR 1,000,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Bank points

JCB Black

0.2% of eligible purchases as Reward BCA

IDR 450,000 annually

Reward BCA (IDR) · Checked: 2026-10-15

Direct miles

Singapore Airlines Visa Infinite

1 KrisFlyer mile per IDR 10,800 eligible purchases. Monthly bonus: 1,000 miles at IDR 20 million spend or 2,000 at IDR 50 million; no multiples.

IDR 1,000,000 annually

KrisFlyer miles · Checked: 2026-10-14

Bank points

American Express Platinum

0.5% of eligible spend in Membership Rewards points

IDR 12,000,000 annually

Membership Rewards points · Checked: 2026-10-15

Bank points

UnionPay

1 point / IDR 10,000 eligible spend

Not verified annually

UnionPay points · Checked: not recorded

BNI

Direct miles

Garuda BNI Visa Signature

2 miles / IDR 24,000 eligible spend

IDR 800,000 annually

GarudaMiles · Checked: not recorded

Bank points

Visa Infinite Private

14× BNI Rewards Points on eligible offline domestic and overseas transactions of at least IDR 1 million.

Not verified annually

BNI Reward Points · Checked: 2026-10-13

Bank points

Visa Infinite Emerald

6× BNI Rewards Points offline domestic; 10× offline overseas, minimum IDR 1 million per transaction.

Not verified annually

BNI Reward Points · Checked: 2026-10-13

Bank points

Mastercard World

1 point / IDR 10,000 eligible spend

IDR 1,000,000 annually

BNI Reward Points · Checked: not recorded

Bank points

JCB Ultimate

1 point / IDR 10,000 eligible spend

IDR 1,000,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Visa Signature

1 point / IDR 10,000 eligible spend

IDR 1,000,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Visa Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

JCB Precious

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Lotte Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Bank BJB Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Pertamina Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Telkomsel Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Batik Air Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Batik Air World

1 point / IDR 10,000 eligible spend

IDR 1,000,000 annually

BNI Reward Points · Checked: not recorded

Bank points

Siloam

1 point / IDR 10,000 eligible spend

Not verified annually

BNI Reward Points · Checked: not recorded

Bank points

XL Platinum

1 point / IDR 10,000 eligible spend

IDR 600,000 annually

BNI Reward Points · Checked: not recorded

Mandiri

Bank points

Skyz

1 Livin’poin per IDR 20,000 eligible retail spend

IDR 300,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Pertamina

1 Livin’poin per IDR 20,000 eligible retail spend

IDR 400,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Platinum

1 Livin’poin per IDR 20,000 eligible retail spend

IDR 500,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Golf Platinum

1 Livin’poin per IDR 20,000 eligible domestic retail spend.

IDR 600,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Fengshui

1 Livin’poin per IDR 20,000 eligible domestic retail spend.

IDR 500,000 annually

Livin’poin · Checked: 2026-10-14

Bank points

Precious

1 Livin’poin per IDR 20,000 eligible domestic retail spend.

IDR 500,000 annually

Livin’poin · Checked: 2026-10-14

Bank points

Signature

2 Livin’poin per IDR 20,000 eligible retail spend

IDR 900,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Golf Signature

2 Livin’poin per IDR 20,000 eligible domestic retail spend.

IDR 1,500,000 annually

Livin’poin · Checked: 2026-10-15

Bank points

Prioritas

3 Livin’poin per IDR 20,000 eligible domestic retail spend.

Not verified annually

Livin’poin · Checked: 2026-10-13

Bank points

World Elite

4 Livin’poin per IDR 20,000 eligible retail spend

Not verified annually

Livin’poin · Checked: 2026-10-15

CIMB Niaga

Bank points

Mastercard World

100 Poin Xtra / IDR 50,000 domestic spend (non-Preferred)

IDR 3,000,000 annually

Poin Xtra · Checked: not recorded

Bank points

World Syariah

Earning rate not verified — calculator unavailable

Not verified annually

Poin Xtra · Checked: not recorded

Bank points

Private Wealth

Earning rate not verified — calculator unavailable

Not verified annually

Poin Xtra · Checked: not recorded

Direct miles

World Cathay

Earning rate not verified — calculator unavailable

IDR 1,500,000 annually

Asia Miles · Checked: not recorded

Requires another card

Mastercard Platinum

Earning rate not verified — calculator unavailable

IDR 0 annually

Poin Xtra · Checked: not recorded

Bank points

Visa Travel Card

Earning rate not verified — calculator unavailable

IDR 350,000 annually

Poin Xtra · Checked: not recorded

Bank points

JCB Ultimate

Earning rate not verified — calculator unavailable

IDR 3,000,000 annually

Poin Xtra · Checked: 2026-10-15

Bank points

Visa Infinite

Earning rate not verified — calculator unavailable

IDR 1,500,000 annually

Poin Xtra · Checked: 2026-10-15

Bank points

Preferred Visa Infinite

Earning rate not verified — calculator unavailable

Not verified annually

Poin Xtra · Checked: not recorded

Via hotel points

World ALL Accor Live Limitless

Earning rate not verified — calculator unavailable

IDR 3,000,000 annually

ALL Reward points · Checked: 2026-10-15

Danamon

Bank points

JCB Precious

1 D-Point per IDR 2,500 eligible retail spend

IDR 800,000 annually

D-Point · Checked: 2026-10-15

Bank points

Mastercard Platinum

1 D-Point per IDR 2,500 eligible retail spend

IDR 600,000 annually

D-Point · Checked: 2026-10-15

Bank points

Mastercard World

1 D-Point per IDR 2,500 eligible retail spend

IDR 1,200,000 annually

D-Point · Checked: 2026-10-15

Bank points

Visa Platinum

1 D-Point per IDR 2,500 eligible retail spend

IDR 600,000 annually

D-Point · Checked: 2026-10-15

Bank points

Visa Infinite

1 D-Point per IDR 2,500 eligible retail spend

IDR 1,500,000 annually

D-Point · Checked: 2026-10-15

Bank points

World Elite

1 D-Point per IDR 2,500 eligible retail spend

IDR 6,000,000 annually

D-Point · Checked: 2026-10-15

Bank points

JCB Treasure

Earning rate not verified — calculator unavailable

IDR 2,000,000 annually

D-Point · Checked: 2026-10-15

Bank points

Grab

Earning rate not verified — calculator unavailable

IDR 450,000 annually

D-Point · Checked: 2026-10-15

Bank points

American Express Gold

Earning rate not verified — calculator unavailable

Not verified annually

Membership Rewards points · Checked: not recorded

Bank points

American Express Green

1 Membership Rewards point per IDR 2,500 eligible retail spend

IDR 650,000 annually

Membership Rewards points · Checked: 2026-10-15

Bank points

American Express Platinum

1 Membership Rewards point per IDR 2,500 eligible retail spend

IDR 12,000,000 annually

Membership Rewards points · Checked: 2026-10-15

Maybank

Bank points

Visa Infinite

1 TREATS / IDR 8,888 eligible ordinary spend

IDR 1,500,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

BMW

1 TREATS / IDR 8,888 eligible ordinary spend

IDR 1,500,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

MINI

1 TREATS / IDR 8,888 eligible ordinary spend

IDR 1,500,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

Visa Platinum

1 TREATS / IDR 20,000 eligible ordinary spend

IDR 600,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

Mastercard Platinum

1 TREATS / IDR 20,000 eligible ordinary spend

IDR 600,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

JCB Platinum

1 TREATS / IDR 10,000 eligible ordinary spend

IDR 600,000 annually

Maybank TREATS · Checked: 2026-10-14

Bank points

Manchester United

1 TREATS / IDR 20,000 eligible ordinary spend

IDR 600,000 annually

Maybank TREATS · Checked: 2026-10-15

Bank points

White Card

Select the TREATS Miles wallet: 1 per IDR 10,000 (Onyx), IDR 9,000 (Emerald), or IDR 8,000 (Diamond).

IDR 180,000 annually

Maybank TREATS Miles · Checked: 2026-10-13

UOB Indonesia

Bank points

Zenith

1 UOB Point per IDR 1,500 eligible purchases in any country.

IDR 3,500,000 annually

UOB Points · Checked: 2026-10-14

Bank points

PRIVIMiles

1 UOB Point per IDR 1,000 domestic purchases; 2.67 points in MYR, SGD, THB or VND and 1.6 points in other foreign currencies per IDR 1,000 equivalent.

IDR 1,000,000 annually

UOB Points · Checked: 2026-10-14

Direct miles

Garuda Indonesia UOB Card

Per IDR 24,000: 2 GarudaMiles on other domestic purchases, 3 on foreign-currency or hotel/travel purchases, and 4.8 on direct Garuda Indonesia purchases.

IDR 800,000 annually

GarudaMiles · Checked: 2026-10-14

Bank points

Preferred

1 UOB Point per IDR 1,000 other retail purchases; 3 points on restaurants, fashion, department stores and overseas spend. Extra points capped at 100,000 per customer monthly.

IDR 500,000 annually

UOB Points · Checked: 2026-10-14

Bank points

Lady’s Card

1 UOB Point per IDR 1,000 other retail purchases; 3 points on fashion, department stores, supermarkets and e-commerce. Extra points capped at 100,000 per customer monthly.

IDR 750,000 annually

UOB Points · Checked: 2026-10-14

HSBC Indonesia

Bank points

Visa Signature

1 point / IDR 1,500 eligible ordinary spend

IDR 1,000,000 annually

HSBC Reward Points · Checked: 2026-10-15

Bank points

Premier Mastercard

Earning rate not verified — calculator unavailable

IDR 0 annually

HSBC Reward Points · Checked: 2026-10-15

DBS Indonesia

Bank points

Travel Signature

1 Mileage DBS per IDR 9,000 domestic or IDR 6,000 international purchases.

IDR 1,000,000 annually

digibank mileage · Checked: 2026-10-14

Bank points

Travel Platinum

From April 1, 2026: 1 Mileage DBS per IDR 13,500 domestic or IDR 10,000 international purchases.

IDR 750,000 annually

digibank mileage · Checked: 2026-10-14

Bank points

Live Fresh

From April 1, 2026: 1 DBS Rewards Point per IDR 12,000 domestic or international purchases.

IDR 400,000 annually

digibank Reward Points · Checked: 2026-10-14

Bank points

Vantage Visa Infinite

1 Poin Vantage per IDR 7,500 eligible domestic or international purchases.

IDR 5,000,000 annually

Poin Vantage · Checked: 2026-10-14

OCBC Indonesia

Bank points

90°N

1 Travel Mile per IDR 12,000 domestic or IDR 10,000 foreign-currency purchases.

IDR 1,000,000 annually

Travel Miles · Checked: 2026-10-14

Bank points

Voyage

1 Voyage Mile per IDR 12,000 eligible retail spend

IDR 8,000,000 annually

Voyage Miles · Checked: 2026-10-15

Panin

Bank points

Visa Infinite

3 Panin points per IDR 25,000 eligible spend

IDR 0 annually

Panin reward points · Checked: 2026-10-15

Bank points

Visa Platinum

Earning rate not verified — calculator unavailable

IDR 0 annually

Panin reward points · Checked: 2026-10-15

Jenius

Bank points

Visa Credit Card

Seed / Plant: 1 Yay Point per IDR 12,000 eligible domestic spend. Higher clubs: 1 per IDR 10,000.

IDR 750,000 annually

Yay Points · Checked: 2026-10-13

PermataBank

Bank points

Ultimate JCB

Earning rate not verified — calculator unavailable

Not verified annually

Permata Reward Points · Checked: not recorded

Bank Sinarmas

Bank points

Red Diamond Visa Infinite

1 point per IDR 10,000 domestic / IDR 7,500 foreign spend; monthly point cap applies.

IDR 1,500,000 annually

Reward points · Checked: not recorded

Bank Mayapada

Bank points

myCREDITCARD Signature

1 myREWARDS point per IDR 500 eligible spend.

IDR 750,000 annually

myREWARDS points · Checked: not recorded

Bank points

myCREDITCARD Platinum

1 myREWARDS point per IDR 500 eligible spend.

IDR 600,000 annually

myREWARDS points · Checked: not recorded

Bank points

myCREDITCARD Gold

1 myREWARDS point per IDR 500 eligible spend.

IDR 300,000 annually

myREWARDS points · Checked: not recorded

MNC Bank

Direct miles

Citilink Visa Card

Conditional LinkMiles earning on eligible retail purchases; minimum monthly spend applies.

IDR 300,000 annually

LinkMiles · Checked: not recorded

Research gaps

This is a researched selection, not an exhaustive national inventory. Unverified values stay unknown. A record check date does not establish that every field is current.

Before transferring points · Editorial methodology · Report a correction