Help Article: How to Get a Card for International Online Purchases
Thank you for your interest in shopping with us! To complete your purchase from our Hong Kong-based store, you will need a debit or credit card that is enabled for international online transactions.
This guide will walk you through the simple steps to get the right card from an Indonesian bank and activate it for overseas shopping.
Which Type of Card Do You Need?
| Card Type | Best For | Difficulty to Get |
|---|---|---|
| Debit Card (Visa/Mastercard) | Most customers, especially those without a regular income or credit history. | Easy – linked directly to your bank account. |
| Credit Card (Visa/Mastercard) | Customers who want to pay later or build a credit history. | Moderate – requires income proof and a credit check. |
Our Recommendation: A Visa or Mastercard debit card is the quickest and easiest option for most customers.
Option 1: Get a Debit Card for International Shopping
Follow these four simple steps:
Step 1: Open a Bank Account (If You Don't Have One)
Choose a bank that offers Visa or Mastercard debit cards. Popular options include:
BCA – Visa Debit Card
Bank Mandiri – Visa Debit Card
Bank Jago – Visa Debit Card (can be opened entirely from the app)
CIMB Niaga – Mastercard Debit Card
Many of these banks allow you to open an account completely through their mobile app.
Step 2: Request Your Physical Debit Card
Once your account is open, request a physical debit card. For most banks, you can do this directly in the mobile app, and the card will be delivered to your home address.
Step 3: Activate International Transactions (Most Important!)
This is the step that many customers miss. You must manually turn on international online shopping for your card.
Open your bank's mobile app and look for settings like:
| Bank | Look for this setting in the app |
|---|---|
| BCA (myBCA) | "Debit Online Transaction" → Toggle to 'On' |
| Mandiri (Livin') | "Overseas Transactions with Forex Account" → Toggle to 'On' |
| Bank Jago | "International Transaction" → Toggle to 'On' |
| CIMB Niaga (OCTO) | "Overseas Spending & Withdrawal" → Activate |
? Tip: Some banks may also require you to register your mobile number for OTP (One-Time Password) codes. Make sure the number in the bank's system is current.
Step 4: Shop with Us!
Once international transactions are activated, you can use your card on our website just like any other online purchase. The payment amount will be automatically converted from Rupiah to Euro.
Option 2: Get a Credit Card
If you prefer a credit card, here are the basic requirements:
| Requirement | Details |
|---|---|
| Minimum Age | 21 years old (primary cardholder) |
| Minimum Income | Varies by bank (e.g., Rp 3,000,000/month for BCA) |
| Required Documents | KTP (ID card), salary slip, NPWP (Tax ID – often required) |
How to Apply:
Visit a bank branch or apply online through the bank's website.
Submit your KTP, proof of income, and NPWP.
Wait for credit approval (typically a few days to a week).
Activate the card via the bank's app or customer service.
Most credit cards are automatically enabled for international online use, but check with your bank to be sure.
How to Save Money on International Transactions
When you pay with a Rupiah card, the bank will convert the currency for you and may charge a fee. To save money, consider these options:
| Bank | Feature | How It Helps |
|---|---|---|
| BCA | "Poket Valas" (Foreign Currency Pocket) | Load HKD or USD into this pocket and pay directly without conversion fees. |
| Bank Mandiri | "Debit Multicurrency" | Link your card to a foreign currency account (supports 11 currencies including HKD). |
If you plan to shop internationally often, these features can save you significant money on bank conversion fees.
Quick Checklist Before You Shop
Before placing your order with us, make sure you have completed these steps:
I have a Visa or Mastercard debit or credit card.
I have activated "International Transaction" or "Online Debit" in my bank's mobile app.
My mobile number is registered with my bank to receive OTP codes.
I understand that my bank may charge a small foreign transaction fee (usually 1–2%).
Frequently Asked Questions
Q: Why was my payment declined even though I have money in my account?
A: Most likely, you have not activated the "International Transaction" feature in your bank's app. Please check your settings and try again.
Q: Can I use my BRI or BNI debit card?
A: Some BRI and BNI cards support international transactions, but you should contact your bank directly to confirm and activate the feature. BCA, Mandiri, and Bank Jago are generally the most reliable for international online shopping.
Q: How long does it take to get a debit card?
A: If you open an account through a mobile app like Bank Jago, you can receive your card within 3–7 days. For traditional banks like BCA, it may take 7–14 days.
Q: Are there any additional fees?
*A: Your bank may charge a foreign transaction fee (typically 1–2.5%) and will use their own exchange rate. Using a multi-currency feature like BCA's Poket Valas can help you avoid some of these fees.*
Need More Help?
If you have followed this guide and are still unable to complete your purchase, please contact your bank's customer service directly. They are the best resource for issues related to your specific card.
We look forward to serving you! If you have any questions about our products or shipping to Indonesia, please don't hesitate to contact us.
Was this article helpful?
That’s Great!
Thank you for your feedback
Sorry! We couldn't be helpful
Thank you for your feedback
Feedback sent
We appreciate your effort and will try to fix the article