Cermati.com - KTA Kartu Kredit

3.6
12.4K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Credit Cards, KTA Loans, Insurance, and Pay Bills

Cermati.com helps you and millions of other customers to choose the best financial product that suits their needs. In addition to financial products such as KTA, Credit Cards, and Insurance, karir.com also provides top up and bill payment services for digital products.

The products and services available are online credit, data packages, postpaid, roaming packages, electricity tokens, and online game vouchers. In addition, you can also check PLN electricity bills and check PDAM bills and pay bills online.

Main Features of the Observe App:

Compare and Apply:We will help you choose the right financial product such as Credit Card, KTA money loan, Car Loan, Mortgage, All Risk Car Insurance, TLO Car Insurance, Health Insurance, or Travel Insurance. You can compare and explore features, costs, interest rates, etc. then can choose the most suitable product for you.

Get Financial News and Tips: Read the latest financial news and information, and also get tips and tricks about online loans, Credit Cards, Health Insurance, Car Insurance, Travel Insurance, lifestyle, health tips, and other financial information.

Eligibility CheckQuickly check the eligibility of your online loan / credit card before registering based on your personal information.

KPR, Vehicle Loan, and Insurance Calculator Simulation: Calculate monthly installments for KPR, Vehicle Loans, and Insurance products with an online calculator.

Education Room: Get easy-to-understand financial tips.

Antam's Gold Price Today: Planning to invest in gold? You can use this application to check the gold price today.

Top Up and Pay Bills in the App Observe:

Online Credit: Buy the cheapest online credit for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren credit). The cheapest and most complete online credit starts from IDR 5,000.

Online Data Packages: Buy the cheapest online data packages for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren credit). The cheapest and most complete online data package.

Postpaid: Make postpaid credit payments easily for Telkomsel, XL, Indosat, Tri and, Smartfren.

Roaming: Buy Telkomsel, Indosat, XL, etc roaming packages at the best prices.

Pay Home Phones: Pay Indihome's landline and internet bills conveniently.

Check PLN electricity bills and buy electricity tokens: Check and pay your PLN electricity bills and buy electricity tokens at the lowest prices.

Check PDAM bills: Check and pay PDAM bills in Indonesia.

Online Game Vouchers: Buy well-known online game vouchers such as steam wallet, garena, battle net, google play etc. at the cheapest prices here.

Top Up and Billing Payment Method
• Credit Cards (Visa, MasterCard, JCB, American Express)
• Virtual Accounts (BCA Bank Mandiri, PermataBank, BNI)
• Gopay

Some things to note for unsecured loan products:

• Loan tenor options are generally 6, 12, 24, 36, 48 & 60 months
• The loan limit varies according to the selected product
• Interest rate is calculated based on the annuity method (effective interest rate)
• Maximum annual interest rate (Max APR) 15.48%

For example:

KTA loans have product details as follows.
• Loan amount Rp. 2 million to Rp. 20 million,-
• Low loan interest 2% - 5% per month
• Maximum interest rate per year (APR) 24% - 60%
• Choice of loan tenors ranging from 6 months - 20 months
• Loan administration fee Rp. 540,000

If you borrow Rp. 10 million, monthly installments of IDR 1,167,960 - IDR 1,276,210, total loan payments of IDR 14,795,177 - IDR 16,575,654.

Contact Us
Jl. Tomang Raya No. 38, Jatipulo
Palmerah, West Jakarta 11430

Phone: (021) 40000 312
Business Hours: (Mon-Fri 9:00-17:00)
Email: cs@cermati.com
Updated on
Jan 16, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Photos and videos
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted
3.6
12.4K reviews
A Google user
November 5, 2019
Do not ever use cermati to apply for credit card. They changed my credit card application without notice and without asking, then forced me to wait for their courier who never comes to change it back. Worst service, worst customer service, I don't even know how this company still survives.
95 people found this review helpful
Andy L P
October 21, 2020
I could not complete my application without any clear reason. All of the required fields are filled and by the end of application, the data that needed to be collected have shown green check. When I submit the application, it shows an error. I had to use Cermati's web app in order to complete my application.
66 people found this review helpful
Robby asyer
January 10, 2022
I have registered my account via browser. But the app insisted me to register again, but i cant register anymore since i have registered. No option available to simply sign in.
21 people found this review helpful