Honest - Credit Card & QRIS 앱 분석 (9월 23일)

💳HONEST — CREDIT CARD WITH QRIS Tired of getting rejected for a credit card? Honest offers a 90% approval rate with a 100% online application and approval in as little as 5 minutes. PT Honest Financial Technologies is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI). ✅WHY CHOOSE HONEST? Rp0 annual fee — forever, not just for the first year No collateral required — apply online with just your ID card Credit limit up to Rp100 million — starting from Rp1 and increasing over time Pay with QRIS using your credit limit — at your favorite merchants 90% approval rate — making credit more accessible Visa credit card — accepted at over 90 million merchants worldwide 🔒HONEST CREDIT CARD HIGHLIGHTS QRIS Credit — Pay anywhere with QRIS using your credit limit at participating merchants Rp0 Annual Fee — No hidden fees 90% Approval Rate — Get a decision in as little as 5 minutes Shopping Cashback — Earn Rp1,000 cashback for every Rp100,000 spent Flexible Payments — Pay in full or partially based on your financial needs Enhanced Security — Your card number is not printed on the physical card for added protection Check Your Credit Score — Available via WhatsApp after submitting your application 📊BILLING EXAMPLE The following example is for illustration purposes only. Actual billing dates and amounts may vary depending on your billing cycle. You make a purchase of Rp3,000,000 on July 5. Statement date: July 16 Admin fee: 3.99% = Rp119,700 If you pay the full amount (Rp3,119,700) by July 25: The admin fee will be credited back to your available credit limit, resulting in Rp0 financing cost. If you only pay Rp1,000,000 by July 25: The remaining balance of Rp2,119,700 will incur 1.75% monthly interest starting from the following billing cycle. The admin fee will not be refunded. Your next statement will include the remaining balance plus interest. 🚀HOW TO APPLY — JUST YOUR ID CARD Download the Honest app Complete your application online using your ID card Get approved in as little as 5 minutes Activate your card and start using it immediately at your favorite merchants Honest is more than just a credit card. It is a trusted credit fintech solution that offers a smarter alternative to buy now, pay later services and online loans, with a real credit limit, transparent fees, and full control in your hands. 90% approval rate is based on Honest internal data from August 2025 to May 2026. Approval decisions may vary depending on each applicant's profile. Approval in 5 minutes is based on Honest internal data from June 2026. Actual processing time may vary depending on the completeness of the application. PT Honest Financial Technologies is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI). 🌐Need more information about Honest? Website: https://honest.co.id Instagram: @honestindo Threads: @honestindo Facebook: Honest Indonesia X (Twitter): @honestindo TikTok: @honestindo YouTube: @HonestIndonesia