Best Crypto Cards in Indonesia (2026)
Compare 20 crypto cards available in Indonesia. Crypto classified as commodity with 0.1% income tax per trade, IDR settlement, and growing APAC coverage.
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Card Type
Avici Platinum Card
Avici Signature Card
Basic (Midnight Blue)
Bitget Visa Card
Bybit Card
Bybit Supreme VIP Card
ether.fi Luxe Card
ether.fi Pinnacle Card
ether.fi VIP Card
Jupiter Global
KAST Bitcoin Black Card
KAST Bitcoin Silver Card
KAST Founders Edition
KAST K Card
KAST Solana Card
KAST Solana Gold Card
KAST Solana Illuma Card
KAST Solana Solid Gold Card
KAST X Card
MetaMask Metal Card
MetaMask Virtual Card
OKX Mastercard Debit
Plus (Ruby Steel)
Prime
Private (Icy White / Rose Gold)
Private (Obsidian)
Pro (Royal Indigo / Jade Green)
RedotPay Physical Card
RedotPay Solana Card
RedotPay Virtual Card
Tria Premium Card
Tria Signature Card
Tria Virtual Card
Wirex Elite Card
Wirex Standard Card
Xplace Gold Club Card
Xplace Platinum Club Card
Xplace Silver Club Card
Xplace Standard Card
Verified for Indonesia
39 crypto cards available
Local currency: IDR
If you bank with BCA, BRI, or Bank Mandiri, your debit card earns zero cashback and charges 2-3% on non-IDR purchases. Indonesia's 20 crypto cards offer up to 10% cashback, zero FX fees, and a tax framework that is surprisingly light: 0.1% income tax plus 0.11% VAT per trade.
Indonesia is Southeast Asia's largest economy (270M+ population) with rapidly growing crypto adoption. Bappebti classifies crypto as a commodity (not currency or security), resulting in a unique tax structure. The IDR (Rupiah) means FX fees are relevant on every card transaction.
| Card | Max Cashback | Annual Fee | FX Fee | Type | Best For |
|---|---|---|---|---|---|
| Bybit | 10% | $0 | 0.5% | Debit | Highest cashback (VIP tier) |
| Bitget | 8% | $0 | 0% | Debit | Zero FX fee + high cashback |
| Crypto.com | 5% | $0 | 0% | Prepaid | Metal tiers with lounge access |
| OKX | 5% | $0 | 0% | Debit | Mastercard network |
| KAST | 2% | $0 | 0% | Prepaid | No-fee starter card |
| Bleap | 2% | $0 | 0% | Debit | Self-custody spending |
| RedotPay | 0% | $0 | 1.2% | Prepaid | Budget APAC option |
Bitget is the top pick for Indonesian users: 8% cashback, zero FX fee (critical for IDR transactions), zero annual fee. Indonesia's light tax structure (0.1% per trade vs India's 30%) makes crypto card spending far more practical.
Best Card For Every Need in Indonesia
Top 10 Crypto Cards in Indonesia
1. Bybit Supreme VIP Card
The Ultimate Trader Card: 10% Back + ChatGPT & TradingView Rebates
2. Bitget Visa Card
The Trader's Daily Driver: Instant Crypto Spending
3. KAST Solana Gold Card
24K Gold Plated: 8% Points + VIP Concierge at $10,000/yr
4. KAST Solana Solid Gold Card
37g Solid Gold: The Only Solid Gold Crypto Card on the Market
5. Prime
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
6. Wirex Elite Card
Elite Travel Status: 8% Rewards + Priority Support
7. Tria Premium Card
Ultimate Web3 Luxury: 6% Cashback + Zero ATM Fees
8. KAST Bitcoin Black Card
Bitcoin Black Metal: 5% Points + 4% $MOVE at $1,000/yr
9. KAST Founders Edition
Strictly Limited: $5,000 One-Time + VIP Concierge + No Annual Fee
10. KAST Solana Illuma Card
Illuminating Metal: 5% Points + 4% $MOVE at $1,000/yr
Crypto Card Regulation in Indonesia
Bappebti (Badan Pengawas Perdagangan Berjangka Komoditi, Commodity Futures Trading Regulatory Agency) regulates crypto as a commodity. OJK (Otoritas Jasa Keuangan, Financial Services Authority) oversees the financial services sector. In 2025, crypto regulatory oversight is transitioning from Bappebti to OJK.
Bank Indonesia (central bank) has banned crypto as a means of payment (similar to Turkey's CBRT ban), but crypto cards settle in IDR through Visa/Mastercard networks, making the distinction the same as in Turkey: merchants receive fiat.
Bybit, OKX, Bitget, and Crypto.com serve Indonesian users through their APAC entities. Indonesia's large market makes it a priority for APAC issuers. Indodax and Tokocrypto are the largest domestic exchanges.
Card spending through Visa/Mastercard is legally distinct from the banned direct crypto payment. Merchants receive IDR fiat.
Tax Treatment of Card Rewards in Indonesia
Indonesia taxes crypto trades at 0.1% income tax (PPh) plus 0.11% VAT (PPN) per transaction, totaling approximately 0.21% per trade. This applies to both buying and selling/spending crypto. This is dramatically lighter than India's 30% or Japan's 15-55%.
Example: You spend IDR 5,000,000 of crypto through your card. The tax is 0.21% of the transaction = IDR 10,500. This is trivial compared to the cashback earned.
The light tax structure means the traditional "stablecoin vs BTC" spending debate barely matters in Indonesia. The 0.21% tax applies regardless of whether you spend appreciated BTC or stablecoins.
| Cashback Type | When Received | When Spent via Card | Total Tax Burden |
|---|---|---|---|
| BTC cashback | 0.21% on receipt | 0.21% on disposal | ~0.42% |
| USDC cashback | 0.21% on receipt | ~0.21% | ~0.42% |
| Points/perks | Not taxed | N/A | 0% |
No stablecoin strategy needed. At 0.21% per trade, the tax is negligible. Spend whatever maximizes your cashback rewards.
How to Apply from Indonesia
Indonesian crypto card applications require a KTP (Kartu Tanda Penduduk, national identity card) for citizens, or KITAS/KITAP (residence permit) plus passport for foreign residents. The NIK (Nomor Induk Kependudukan, 16-digit population ID number on the KTP) is required.
Proof of Indonesian address via utility bill (tagihan listrik PLN), bank statement (rekening koran), or KTP (which includes address). Bappebti-registered exchanges have established KYC processes for Indonesian residents.
Physical cards ship to Indonesian addresses within 7-14 business days. Virtual cards are available immediately for Apple Pay and Google Pay use.
Spending Tips for Indonesia
Light Tax = Spend Any Crypto Freely
Indonesia's 0.21% per-trade tax is negligible. On IDR 5,000,000 spending, the tax is IDR 10,500 (less than $1). No stablecoin strategy needed. Spend BTC, ETH, or any crypto through your card and collect maximum cashback. Indonesia's tax regime is one of the lightest in the world for crypto card spending.
Card Selection by Use Case
- Bitget (8% cashback, free): Best all-around card, zero FX fee critical for IDR users
- Bybit (up to 10% VIP): Best for high-volume Bybit traders
- Crypto.com (up to 5%): Best for lounge access at CGK (Soekarno-Hatta) and DPS (Bali)
- KAST (2% cashback, free): Best no-fee starter card
Spending Scenario: IDR 5,000,000/month (~$310)
| Funding Method | Annual Spend | Cashback (8%) | Tax (0.21%) | Net Cashback |
|---|---|---|---|---|
| BTC (appreciated) | IDR 60,000,000 | IDR 4,800,000 | IDR 126,000 | IDR 4,674,000 |
| USDC (stablecoin) | IDR 60,000,000 | IDR 4,800,000 | IDR 126,000 | IDR 4,674,000 |
Both approaches yield nearly identical results. IDR 4,674,000/year is significant at Indonesian cost of living: that covers 2+ months of groceries or 15+ nice restaurant meals.
FX Is Critical for IDR Users
IDR is one of Asia's weaker currencies. Every transaction through a USD-settled card involves FX conversion. Cards with 0% FX fees save 2-3% per transaction versus BCA or BRI debit cards. On IDR 5,000,000/month, that is IDR 1,200,000-1,800,000/year in FX savings.
Local Payment Infrastructure
Card acceptance is strong in Jakarta (malls, modern restaurants, hotels), Bali (tourist infrastructure), and Surabaya. QRIS (Quick Response Code Indonesian Standard) handles most mobile payments. GoPay and OVO dominate e-wallets (app-only). Traditional markets (pasar), warungs, and ojek (motorcycle taxis) are cash-only. Apple Pay adoption is growing.
Supported Exchanges & Wallets in Indonesia
APAC exchange cards: Bybit (up to 10% VIP), OKX (5%), Bitget (8%), and Crypto.com (up to 5%) serve Indonesian users through their APAC entities.
Globally available: KAST, xPlace, and RedotPay may be accessible under worldwide coverage.
Domestic exchanges: Indodax (largest by volume, Bappebti-registered) and Tokocrypto (Binance-linked) are the primary Indonesian platforms. Neither offers a Visa/Mastercard spending card. They serve as IDR-to-crypto on-ramps.
Self-custody options: Bleap (2%, free) and Tria (up to 6%) offer self-custody spending for Indonesian users wanting wallet control.
Frequently Asked Questions
How light is Indonesia's crypto tax for card users?
Very light. 0.1% income tax plus 0.11% VAT per transaction, totaling 0.21%. On IDR 5,000,000 spending, the tax is only IDR 10,500 (less than $1). No stablecoin strategy needed. Spend whatever maximizes cashback.
Which crypto card is best for Indonesian users?
Bitget Card: 8% cashback, zero FX fee, zero annual fee. Zero FX fee is critical for IDR users since every transaction involves currency conversion. At 0.21% tax, spend any crypto freely.
Is crypto card spending legal in Indonesia?
Bank Indonesia banned crypto as a means of payment, but crypto cards convert to IDR through Visa/Mastercard networks. The merchant receives fiat. This is legally distinct from the banned direct crypto payment, same as in Turkey.
Can I use GoPay or OVO with a crypto card?
No. GoPay and OVO are separate e-wallet systems. Crypto cards work at Visa/Mastercard terminals. Most malls, modern restaurants, and hotels accept both systems. Traditional markets and warungs are cash or QRIS only.