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How to Make a Credit Card and Its Benefits

Credit cards are very useful when you need fast funds.

A credit card is a financial tool that allows someone to make purchases and borrow funds from financial institutions up to a certain credit limit. A credit card is a payment method that offers many benefits and features, and is easy to use.

However, how to make a credit card? This article will review the methods, as well as the benefits you can get. So, watch this article until the end!

Definition of Credit Card

A credit card is a type of payment card that allows the holder to make purchases and transactions on credit, up to certain pre-approved limits.

Unlike debit cards, where funds are withdrawn directly from the holder's bank account, credit card issuers provide cardholders with loans, which they can use to make purchases and repay them with interest.

Credit Card Advantages

Not only easy to use, credit cards also offer various benefits and features, you know! The following are the advantages of using a credit card.

Quick Earn Money

You can easily get money or other things you need, quickly. You can also buy something and pay later. In addition, you also do not reduce the money in your savings.

Trusted Banks

If you have a credit card, when you want to apply for a loan or credit for other goods, you can get it more easily.

Banks and financial institutions often view the use of credit cards as a way to measure the creditworthiness of prospective loan applicants, so your credit card is important for future loan applications or rentals.


Most credit cards come with offers and incentives. From cash back to accumulated reward points every time you swipe your card

Lenders also offer discounts for purchases made via credit card, such as for airline tickets, vacations, or large purchases.

Stages of Making a Credit Card

There are many banks that offer credit card facilities. Here's how to make a credit card at several well-known banks in Indonesia.


In order for you to apply for a credit card, you need to meet several conditions. That is:

  • Annual income of not less than 36 million.
  • Age 21 to 65 years.
  • Have TP/SIM/Passport, as well as payslips, SPT, and other evidence.
  • Photocopy of deed of establishment/SIUP/TDP for entrepreneurs,
  • NPWP.

And the stages of applying for a BNI credit card are as follows:

  • You can visit applykartucredit.bni.co.id/bni,
  • Click Apply Credit Card,
  • Gather the documents you need, and click OK on the Disclaimer page.
  • Take one of the types of credit cards you need (BNI Visa Infinite/BNI MasterCard World/BNI Visa Platinum/BNI Visa Signature/BNI JDB Precious/BNI Style Titanium/BNI Silver & Gold Card/BNI American Express Business Card),
  • You need to take a selfie, take a photo of the original KTP and fill in the data completely.
  • Continue and your submission process has been successful. You can wait for the results in a few days.


If you want to apply for a Mandiri credit card, you must be 21 years old, have a payslip with a salary of at least 3 million rupiah every month, and fill out the application form.

More Coverage:

Following are the procedures for submitting:

  • Go to the www.mandirikartucredit.com page, and select Apply
  • Choose the product you need, and fill in all personal data,
  • Then, you get an OTP code from the number you used for submission. Fill in the code into the appropriate column.
  • Fill in info about work, family, and complete the delivery address.
  • Read the terms they proposed, and if you agree you can proceed. After that, you will receive an SMS of approval. Now that's how to make a credit card. Choose a credit card that suits your needs, and has the most attractive offers.


Here are the steps to create a BCA credit card:

  • Visit the BCA website at www.bca.co.id and select the "Credit Card" menu at the top of the page.
  • Select the type of credit card you want, such as Visa or Mastercard.
  • Click the "Apply Credit Card" button at the bottom of the page. You will be directed to the credit card application form.
  • Fill out the form completely and accurately. .
  • Once you have completed the form, click the "Submit" button.
  • You will receive confirmation that the application has been submitted successfully.
  • Wait for the application approval process.
  • If your application is approved, BCA will send a credit card to the address you specified on the application form.

credit is a useful tool, but it can also be dangerous if not used wisely.

Well, that's information about credit cards. If you want to use a credit card, you can adjust it according to your needs. There are various kinds of credit cards offered by banks. and various service fees. Make sure you have read all the terms and conditions before making a credit card, ok!

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