Best Debit & Credit Cards for Indonesia 2026

Popular among remote workers for its lifestyle and co-working scene. Card acceptance varies by region, making fee-free cards and smart ATM usage especially important.

Cards Comparison

	No Foreign Fees:	Rewards :	Annual Fee:	Best For:	Apply Link
Wise - Debit Card	Yes (Mid-market exchange rates, minimal transparent fees)	Free ATM withdrawals (limits), real exchange rate with no FX markup	€ 0 ( One-time card issuance fee only )	For everyday spending and ATM withdrawals. It is the gold standard for managing multiple "real-world" currencies and receiving local transfers.	Take a look ;
Nexo - Dual Card	Yes ( Up to € 20.000 monthly with 0% FX fees )	Up to 2% Crypto-Back on all purchases	€ 0	Nomads who wants to spend their crypto or use it as collateral while traveling / Dual Mode is Debit and Credit Card	Take a look ;
RedotPay - Instant Crypto Visa	Yes ( Optimized for real-time crypto-to-fiat conversion )	daily interest on USDT / USDC + 5 $ Signup bonus	€ 0 ( One-time card issuance fee only )	Nomads who need a virtual or physical Visa card instantly to spend crypto via Apple Pay or Google Pay	Take a look ;
PintoPay - Instant Crypto MasterCard	Yes ( Highly competitive market rates for global spending)	Focus on low transaction fees, up to 3% cashback potential + $ 10 Signup bonus	$ 0 ( $ 35 one-time issuance fee for physical MasterCard)	Nomads looking for a reliable MasterCard alternative. It features a KYC-light setup, high limits and prioritizing privacy.	Take a look ;

Wise - Debit Card No Foreign Fees: Yes (Mid-market exchange rates, minimal transparent fees) Rewards : Free ATM withdrawals (limits), real exchange rate with no FX markup Annual Fee: € 0 (One-time card issuance fee ) Best For: For Nomads everyday spending and ATM withdrawals. It is the gold standard for managing multiple "real-world" currencies and receiving local transfers. Take a look ;
Nexo - Dual Card No Foreign Fees: Yes ( Up to € 20.000 monthly with 0% FX fees ) Rewards : Up to 2% Crypto-Back on all purchases Annual Fee: € 0 Best For: Nomads who wants to spend their crypto or use it as collateral while traveling / Dual Card is Debit and Credit Card Take a look ;
RedotPay - Instant Crypto Visa No Foreign Fees: Yes ( Optimized for real-time crypto-to-fiat conversion ) Rewards : daily interest on USDT / USDC + 5 $ Signup bonus Annual Fee: € 0 ( One-time card issuance fee only ) Best For: Nomads who need a virtual or physical Visa card instantly to spend crypto via Apple Pay or Google Pay Take a look ;
PintoPay - Instant Crypto MasterCard No Foreign Fees: Yes ( Highly competitive market rates for global spending) Rewards: Focus on low transaction fees, up to 3% cashback potential + $ 10 Signup bonus Annual Fee: $ 0 ( $ 35 one-time issuance fee for physical MasterCard ) Best For: Nomads looking for a reliable MasterCard alternative to RedotPay. It features a KYC-light setup, high top-up limits and prioritizing privacy Take a look ;

last updated Feb 2026

Local Tips for South Indonesia

Tip 1

Many digital nomads living in Bali report that ATM reliability can vary depending on location. Long-term travelers often prefer machines inside banks or shopping malls, as these are usually better monitored, more reliable, and less likely to run out of cash than standalone street ATMs.

Tip 2

Experienced nomads commonly advise withdrawing cash or paying directly in Indonesian Rupiah. Declining currency conversion offers at ATMs or card terminals helps avoid unfavorable exchange rates, which are frequently applied when foreign currencies are selected during transactions.

Tip 3

Card acceptance in Bali is generally good in cafés, hotels, and coworking spaces, but cash remains widely used. Digital nomads often carry cash for local warungs, scooter rentals, parking fees, and smaller shops where card payments are still uncommon

Tip 4

Seasoned globetrotters often keep a backup debit or credit card when staying in Indonesia. Temporary ATM outages, network issues, or daily withdrawal limits can occasionally occur, especially outside major tourist areas or during peak travel seasons.

Cards for Nomads