5 Types of BRI Credit Cards and Their Limits You Should Know

Looking for a BRI credit card that fits your needs? Bank BRI offers a variety of credit cards, each with unique features and benefits. As one of the largest banks in Indonesia, BRI has proven the quality of its credit card services by recording a 26% growth in outstanding balances in 2022.

To help you choose the right BRI credit card, here’s an overview of the available types and their features.

An Introduction to BRI Credit Cards

BRI credit cards are designed to make payments easier for customers. With an extensive merchant network, easy online application process, and various attractive promotional programs, BRI credit cards are becoming increasingly popular among Indonesians.

Their appeal is further enhanced by 0% installment plans and life and health insurance coverage through BRI Life. Let’s explore the five types of BRI credit cards you can choose from based on your needs.

Requirements, Limits, and Types of BRI Credit Cards

1. BRI Lifestyle Card

The BRI Lifestyle Card is tailored for those with a modern and active lifestyle. It comes in two versions: BRI Infinite Card and BRI Visa Touch.

• BRI Infinite Card targets priority customers with a credit limit ranging from IDR 150 million to IDR 999 million.
• BRI Visa Touch is more affordable, offering limits between IDR 5 million and IDR 50 million, with a minimum monthly income requirement of IDR 3 million.

Both cards offer lifestyle benefits such as concert discounts, promos at select merchants, and attractive reward points. Cardholders also enjoy airport lounge access for added travel comfort.

2. BRI Travel Card

For travel enthusiasts, BRI offers three exciting travel cards:

• BRI Wonderful Indonesia: Limit from IDR 15 million to IDR 999 million, minimum income IDR 5 million/month.
• BRI Mastercard World Access: Premium segment card with a limit of IDR 50 million, requiring a minimum income of IDR 30 million/month.
• BRI JCB Platinum: Limit from IDR 15 million to IDR 75 million, with a minimum income of IDR 5 million/month.

All travel cards include 0% installments for flight and hotel bookings, travel insurance, airport lounge access, and reward points that can be converted into miles.

3. BRI Commercial Card

The BRI Commercial Card is available in two versions for business needs:

• BRI Corporate Card offers flexibility with limits from IDR 5 million to IDR 999 million, with no minimum income requirement.
• BRI Mastercard Business Card offers a limit of IDR 8 million with a minimum income requirement of IDR 5 million/month.

These cards help separate business and personal expenses and come with detailed expense reports and centralized billing, ideal for managing employee expenses efficiently.

4. BRI Daily Needs Card

For daily expenses, BRI offers two practical card options:

• BRI Easy Card: Best for beginners, with limits from IDR 3 million to IDR 25 million, requiring a minimum income of IDR 3 million/month.
• BRI Platinum: Targets a higher segment with limits from IDR 25 million to IDR 50 million, requiring a minimum income of IDR 8 million/month.

Both cards offer benefits for daily spending, such as discounts at supermarkets, fuel cashback, and dining promotions.

5. BRI Co-Branding Card

BRI’s latest innovation is co-branded cards that combine credit card benefits with digital services. One example is the BRI Traveloka Pay Later Card, which offers limits up to IDR 50 million.

This card integrates Traveloka’s Pay Later service with credit card convenience and can be used at all Visa merchants worldwide, ideal for digital platform users seeking payment flexibility.

Choosing the Right BRI Credit Card

Before applying, consider these key factors:

• Align your card choice with your monthly income.
• Understand your spending habits, whether for travel, business, or daily needs.
• Review the annual fees, interest rates, and reward programs offered.
• Make sure the benefits suit your lifestyle and won’t become a financial burden.

How to Apply for a BRI Credit Card

You can now apply for a BRI credit card online through the official BRI website. After selecting your preferred card and filling out the application form, prepare the required documents: ID card (KTP), payslip or tax report, and bank statement from the past 3 months. Verification usually takes just a few business days.

Visit the official BRI credit card site for more detailed requirements and information.

BRI offers a wide range of credit card options suited for different needs and lifestyles, from premium lifestyle and travel cards to business and everyday use cards. The most important thing is to choose a card that matches your financial capacity and spending habits.

Why Use Pay by Card on Transfez?

Using Pay by Card isn’t just about convenience—it also offers exclusive advantages that other payment methods can’t match.

1. Pay Now, Settle Later – Better Cash Flow Management

Take advantage of your credit card’s grace period, allowing you to defer payments to the bank without disrupting your cash flow. This means you can keep your business running smoothly without financial constraints.

2. Earn Credit Card Rewards

Every payment you make with your credit card earns reward points, cashback, or air miles, depending on your card issuer’s program. The more you use Pay by Card, the more benefits you unlock!

3. Fast and Hassle-Free Process

No more dealing with complex international bank transfers! With Pay by Card, simply upload your invoice and pay with your credit card. Transfez will handle the rest and send the funds to your recipient.

4. Global Coverage – Pay Invoices Worldwide

Pay by Card enables payments to multiple countries, including:
Thailand
Malaysia
India
Hong Kong
Singapur
Jepang
Inggris
Jerman
Belanda
Korea Selatan
Cina (AliPay)
Prancis
Belgia
Italia

More countries will be added soon to expand your business payment options!

5. Transparent Fees – No Hidden Costs

Unlike other international payment methods that often include hidden charges, Pay by Card ensures cost transparency with:

💰 Transfez Fee – A fixed fee for international transfers.
💳 Credit Card Fee – 2% of the total payment, including the Transfez fee.

How to Use Pay by Card

Getting started with Pay by Card is simple—just follow these easy steps:

1. Enter Invoice Details – Select the destination country and enter the invoice amount.
2. Upload Invoice & Provide Recipient Information – Ensure all details are correct, including the recipient’s bank details.
3. Pay with Your Credit Card – Use any VISA, MasterCard, or JCB credit card to complete your payment.
4. Transaction Processing & Fund Transfer – Once your payment is successful, Transfez will process the transaction and transfer the funds to your recipient’s account. You can also track the payment status in real time!

Why Stick to Traditional Transfers? Pay by Card Instead!
✔ Keep your business finances flexible
✔ Take advantage of credit card rewards
✔ Make international payments seamlessly

📌 Click here to start using Pay by Card and streamline your global payments today!

Download Transfez App

Transfez App can help you transfer money abroad more quickly and efficiently. Jack Finance can also help your business in making transactions abroad. For those of you who want to send money to relatives who are abroad because they are studying, working, or traveling, Transfez will be ready to help. This app is available on Android as well as iOS.