Indonesia Launches National Credit Card for Retail Consumers

Bank Indonesia, in collaboration with the Indonesian Payment System Association (ASPI), has introduced the Indonesian Credit Card (KKI) for the general public, marking a significant expansion from its previous exclusive use by government entities. This new initiative aims to provide a domestic deferred payment alternative that is efficient, prudent, and integrated with the national payment system infrastructure.

According to Acting Governor Destry Damayanti, the KKI offers businesses greater access to the digital ecosystem and provides consumers with credit facilities to support spending. The card is available for both individuals and corporations, encompassing conventional and sharia-compliant products offered by payment service providers (PSPs).

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The presence of this domestic scheme provides a wider space for business actors to enter the digital ecosystem and provides alternative credit facilities to support public consumption.

The KKI was developed by BI and ASPI, with support from the Indonesian Credit Card Association (AKKI), issuing PSPs, and payment infrastructure operators. Initially, the KKI will be available as a digital card, functioning as a funding source for QRIS transactions, including QRIS Merchant Presented Mode (MPM), Customer Presented Mode (CPM), and QRIS TAP. Future phases will introduce online and physical card transactions.

Seven PSPs, including BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Permata Bank, and Bank Mega, are the initial "first movers" for KKI issuance, with BSI as a "next mover." Bank Indonesia is committed to enhancing transaction efficiency, expanding digital payment access, and diversifying domestic payment instruments to foster secure, easy, and efficient transactions, thereby strengthening national economic activity in line with the Indonesian Payment System Blueprint 2030.

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Initially, on August 17, 2026, the Indonesian Credit Card will be issued in digital card form as a source of funds for QRIS transactions. Transactions can be made with QRIS Scan or QRIS Tap.