Credit card limit calculator for Indonesia
Enter one applicant or cardholder to calculate a credit card limit in Indonesia. The result is the lowest of what card behaviour allows, income carries after other debts and the rules allow, with the binding rule named.
Credit limit
The limit is Rp18,000,000, set by rules in Indonesia (Bank Indonesia). Behaviour gives Rp21,000,000, income carries Rp44,000,000, and the market’s rules allow Rp18,000,000, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| Monthly income below Rp3,000,000 does not qualify for a card. | No | |
| For monthly income from Rp3,000,000 to Rp10,000,000, both included, all card limits with every issuer together are up to 3 times monthly income, less the Rp6,000,000 held with other issuers. | Rp18,000,000 | Yes |
| For monthly income from Rp3,000,000 to Rp10,000,000, both included, cards may come from no more than 2 issuers, so a third issuer offers no card. | No | |
| Above Rp10,000,000 of monthly income, the issuer sets the limit. | No |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
Get the result by email
Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
How Indonesia sets credit card limits
Bank Indonesia's rules give no card to people with monthly income below Rp3,000,000. From Rp3,000,000 through Rp10,000,000, total card limits across issuers are capped at three times monthly income, less limits held elsewhere, and cards may come from no more than two issuers. Above Rp10,000,000, the rules set no cap.
The calculator compares the behaviour limit, affordability limit, the lender's own income cap and Indonesia's rules, then uses the lowest. Which one binds depends on the applicant's or cardholder's figures. Use the result to review that case and edit the example behaviour policy.
Indonesia credit card limit rules
How is a credit card limit set in Indonesia?
The calculator compares what card behaviour allows, what income can carry after other debt payments and the rules in Indonesia. The lowest figure sets the result, and the calculator names the rule that binds.
What is the Bank Indonesia credit card limit at three times income?
For monthly income from Rp3,000,000 to Rp10,000,000, total limits across all issuers may be up to three times monthly income, less limits held elsewhere. The rule also limits cards to no more than two issuers.
What is the minimum income for a credit card in Indonesia?
Monthly income below Rp3,000,000 does not qualify for a card under the rules described here. From Rp3,000,000, the other income and issuer limits apply up to Rp10,000,000.
How many credit card issuers can a person use in Indonesia?
For monthly income from Rp3,000,000 to Rp10,000,000, cards may come from no more than two issuers. The total limits across those issuers may be up to three times monthly income, less limits held elsewhere.
Does Indonesia cap credit card limits above Rp10,000,000 income?
The rules described here set no cap above monthly income of Rp10,000,000. The calculator still compares the behaviour limit, affordability limit and any income cap set by the lender.