Transferable credit-card points in Indonesia
Understand which bank currencies can become airline rewards and why conversion ratios matter.
How to compare these products
Keep bank points and airline miles separate in every calculation. Transfers may be irreversible, and award availability should be checked before moving points.
| Card | Recorded earning | Reward currency | Annual fee | Verification status |
|---|---|---|---|---|
| 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 |
| UOB Indonesia PRIVIMiles | Earn 1 UOB Point per IDR 1,000 domestic eligible spend. From January 9, 2026, 12 points convert to 1 airline mile: IDR 12,000 per domestic mile. Selected MYR, SGD, THB and VND spending earns 2.67 points per IDR 1,000 equivalent; other foreign currencies earn 1.6 points. | UOB Points | IDR 1,000,000 | Indexed from official sources; confirm availability |
| Mandiri Signature | 2 Livin’poin per IDR 20,000 eligible domestic retail spend. | Livin’poin | IDR 900,000 | Indexed from official sources; confirm availability |
| Mandiri World Elite | 4 Livin’poin per IDR 20,000 eligible domestic retail spend. | Livin’poin | Not verified | 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.