As part of efforts to strengthen Indonesia’s national payment infrastructure and reduce reliance on international card networks, Bank Indonesia (BI) has launched the Kartu Kredit Indonesia (KKI), a domestic credit card payment instrument integrated with the country’s QRIS digital payment system.
The KKI was officially launched on August 17, 2026, coinciding with Indonesia’s 81st Independence Day. It provides deferred-payment facilities, with transactions processed domestically through the national payment system infrastructure.
BI Acting Governor Destry Damayanti said the payment system plays a critical role in connecting consumers and businesses while supporting innovation and productivity.
In its initial phase, KKI will be available as a digital card and can be used for purchases through QRIS using scan or Near Field Communication (NFC) tap methods. Physical cards are expected to be introduced in a subsequent phase.
Eight payment service providers are participating in the initial rollout. They are BCA, Bank Mandiri, BNI, BRI, CIMB Niaga, Permata Bank and Bank Mega as first movers, while Bank Syariah Indonesia (BSI) is participating as a next mover with sharia-compliant financing.
According to BI, KKI transactions can be made at merchants accepting QRIS. The instrument has a transaction limit of Rp10 million (about US$680) per transaction, while the Merchant Discount Rate ranges from zero to 0.7 per cent.
BI also announced an expansion of its zero-MDR QRIS policy, effective October 1, 2026. The policy will continue to apply to micro-enterprise merchants for transactions of up to Rp500,000, while small, medium and large merchants will receive zero MDR on transactions up to Rp100,000.
The move comes amid rapid growth in QRIS adoption. BI data showed that QRIS users reached 65.77 million as of June 2026, while the number of registered merchants stood at 44.86 million, with MSMEs accounting for 96.68 per cent.
QRIS recorded 12.55 billion transactions in the first half of 2026, with a total value of Rp1.12 quadrillion (about US$76.2 billion), representing 93.92 per cent year-on-year growth.
The Indonesian Payment System Association said the integration of KKI with QRIS could encourage some conventional credit card transactions to migrate to the domestic payment platform, particularly for transactions within Indonesia.
