Honest - Credit Card & QRIS

Honest Financial Technologies

About this app

NEW! Pay QRIS with your Honest credit limit. You can now scan any QRIS merchant directly from the Honest app. Use your credit limit for more flexible payments at millions of locations nationwide. Your finances, simplified in one app.

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 Points
• Cashback That Truly Adds Up
Earn Rp1,000 cashback for every Rp100,000 spent. Collect points and redeem them instantly for cashback, the more you use Honest, the more rewards you earn!
• 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

One of the best credit card issuer. Easy to apply, approval within minutes. I wish this app support Visa/Mastercard payment Contactless directly from this app using NFC like many International Credit Card provider. I also wished the transaction histories also contain more detailed information in this app. It would be also helpful if Honest send every transaction's notification with detail to e-mail and WhatsApp. Thank you.

The app is really easv to use & the credit card application process was quite fast. The interface is simple and clean, so it's not confusing at all. I think t's a great option for first-time credit card users Thanks to Aan as a Customer Service

I forgot to pay on time because somehow their usual payment reminder is off. Turns out charged with a VERY HIGH INTEREST rate! I know it's my bad for not paying on time, but the interest rate is just too punishing. I will stop using this card.