Honest - Credit Card & QRIS

Honest Financial Technologies

About this app

Last chance to get the limited edition Honest Visa FIFA World Cup 2026™ card and win the Gold Card plus 100 million to spend, thanks to Visa.

Honest Card - The QRIS credit card with 90% approval rate and credit limits up to Rp100 million!

About Honest
• Product:
A smart credit card with flexible installment payments
• Credit Limit:
Starting from Rp1 up to Rp100 million, with the potential to grow over time
• Approval Rate: 90%
• Interest & Fees
1. 0% interest and 0% admin fee when you pay your bill in full and on time
2. 1.75% monthly interest applies to unpaid balances
3. Admin fee of 0%–6.49% of the active billing balance (100% refunded when paid in full and on time)
4. No annual fee, late payment fee, overlimit fee, or other card fees
5. Maximum APR: 21% per year (excluding admin fees)
• Payment Illustration
1. You make a purchase of Rp3,000,000 on July 5
2. Statement date: July 16
3. Admin fee: 3.99% = Rp119,700
If you pay in full (Rp3,119,700) before July 25:
✔ No interest charged
✔ Admin fee of Rp119,700 is returned to your credit limit
✔ Total cost: Rp0
If you only pay Rp1,000,000 before July 25:
✔ Remaining balance of Rp2,119,700 will incur 1.75% interest the following month
✔ Admin fee will not be refunded
✔ Next bill will include remaining balance + interest

Why Honest?
• Super Fast Approval
90% approval rate. Apply 100% online in just 5 minutes and receive approval within 2 hours.
• Credit Limit up to Rp100 Million
Start from Rp1 and increase your limit every month! Complete in-app missions to unlock higher limits for all your needs.
• No Fees When You Pay in Full & On Time
• 0% Interest for up to 47 Days
Shop now and pay later with interest-free credit options.

Honest Rewards
• Cashback that actually feels rewarding: Every Rp100,000 spent gets you Rp1,000 cashback instantly! Collect points and redeem them for cashback, vouchers, mobile credit, or electricity tokens. The more you use it, the more rewards you’ll enjoy!
• Up to Rp3.4 Million Annual Bill Savings
(Estimated based on average spending of top 1% users in 2024)

Honest Features Designed for Your Convenience
• QRIS
Our newest feature makes QRIS payments smarter. Pay at millions of QRIS merchants across Indonesia using your credit limit — all from one app. Enjoy greater payment freedom while managing your finances easily.
• Flexible Payment Control
Choose how much you want to pay based on your financial condition. Pay in full for 0% interest, or pay partially with transparent interest details (1.75% per month).
• Secure Access & Privacy Protection
Only you can view your card details through the Honest app. No card number is printed on the physical card for added security.
• Real-Time Expense Tracking
Receive instant notifications for every transaction and monitor your finances smarter in real time.
• Free Credit Score Check
Get your credit score information for free via WhatsApp after applying.

Enjoy an easy, flexible, and secure credit card experience, a modern alternative to paylater services or online loans.

Want to learn more about Honest?
Website: https://honest.co.id
Instagram: @honestindo
Facebook: Honest Indonesia
X (Twitter): @honestindo
TikTok: @honestindo
YouTube: @HonestIndonesia

Ratings and reviews

scam app, i download because of promo, and the costumer service told me to waiting 7days after use and get cashback, but after waiting 1 month, nothing happened 🫵 i waste my 9$, and now I'm never use this app again, thanks honest for the time.

Unfortunately, the required welcome video call was rejected twice because of my hearing disability. I also experienced rude and unprofessional behavior from one of the employees. Therefore, I do not agree with how this matter was handled. I have given a 1-star rating and would like to request that my account be deleted. Thank you.

The app is easy to use and has great customer service. I am partially deaf, but the customer service team really helped me through the verification process. I was assisted by Ms. Putri.