5 KARTU KREDIT TERBAIK TAHUN 2024 VERSI ROY SHAKTI! #royshakti

Summary

In this video, the speaker shares his top five credit card recommendations for 2024, focusing on cards that are beneficial for business capital rather than rewards points. The rankings prioritize cards with high limits, security features, and ease of use for entrepreneurs. Cards from DBS, BNI, BCA, BRI, and Mandiri are highlighted, with a particular emphasis on how each card supports business operations. The speaker also offers insights into the evolving credit card landscape and hints at potential changes in 2025. A strong call to action encourages viewers to join the 'Credit Card Revolution' workshop for more tips on securing business capital.

Takeaways

• 😀 Credit Card Revolution focuses on using credit cards for business capital and business purposes, rather than for rewards or travel points.
• 😀 BNI is recommended as the last option for new users, as it's difficult to increase credit limits, but it allows multiple cards with separate limits.
• 😀 DBS credit card is ranked number 5 due to its large credit limits and perks like free Starbucks for a year.
• 😀 Jenius credit cards were previously recommended but have become less appealing in 2024 due to reduced reward points.
• 😀 CIMB credit card offers useful installment features but is not as highly ranked as DBS due to limited features overall.
• 😀 BCA credit cards offer strong security features, like transaction deactivation for online and foreign transactions, making them a top choice for security.
• 😀 BRI credit cards offer high credit limits, with some users reaching above Rp1 billion, and 12-month installment options with very low administrative fees.
• 😀 BRI's weak security system is a concern, especially in cases of OTP fraud or unauthorized transactions.
• 😀 Mandiri credit cards are favored for their 'Power Cas' feature, which allows 0% installment payments for 3 to 6 months, ideal for business users.
• 😀 Mandiri credit cards also have an easy credit limit increase process, which makes them a top contender for business capital use.
• 😀 The future of state-owned cards like BRI, BNI, and Mandiri in 2025 is uncertain, but they are currently dominant in Indonesia for financial features.

Q & A

Why does the speaker's review of credit cards differ from other reviewers?

The speaker focuses on credit cards for business capital and business purposes, rather than for personal rewards like travel or points. Their reviews prioritize cards with large credit limits, easy accessibility, and strong security for business use.

What are some key features that make DBS card stand out?

The DBS card offers large credit limits, sometimes reaching up to Rp75 million, and includes benefits like free Starbucks drinks for a year. Its ability to increase credit limits based on reference cards is another notable feature.

Why does the speaker consider BNI as one of the most powerful credit card options for business owners?

BNI allows users to hold multiple cards with separate limits, which is beneficial for business capital. However, the card is known for being more difficult to increase limits on, and the speaker suggests looking for BNI after having other cards with large limits.

What are the potential drawbacks of using BRI credit cards?

The speaker mentions that BRI has weaker security features compared to other banks, which can lead to issues like unauthorized transactions or OTP problems. Additionally, its transaction features sometimes automatically swipe credit cards for certain transactions, which could be inconvenient.

How does the speaker rate BCA credit cards in terms of security?

BCA cards are considered very secure, offering features like transaction restrictions through the BCA mobile app. These restrictions can prevent unauthorized online and foreign transactions, making BCA a good option for those who prioritize safety.

Why does Mandiri credit card stand out among others for business owners?

Mandiri is praised for its 'Power Cas' feature, which allows users to get interest-free installments for 3 to 6 months. This is particularly useful for business owners who need to manage cash flow and make purchases without incurring extra costs.

What makes BRI's installment feature attractive?

BRI's credit cards offer a low-cost installment feature, with 12-month installments charged at only 1% administrative fee. This feature is appealing for users who need to spread out payments over a long period.

What is a major concern when using credit cards for business, according to the speaker?

The speaker advises caution when using credit cards for certain types of transactions, such as 'Gestun' (a financial practice), which can lead to issues with merchants and regulatory problems. It’s important to understand the risks before engaging in these transactions.

How can someone increase their credit limit with Mandiri cards?

Mandiri allows users to request credit limit increases every six months, making it one of the easier banks to increase limits. The speaker highlights that Mandiri consistently offers the most substantial credit limit increases.

What will the future hold for credit cards in Indonesia in 2025, according to the speaker?

The speaker suggests that the current dominance of state-owned banks like BRI, BNI, and Mandiri may change by 2025. Although these banks currently offer strong financial features, the landscape could shift, especially in terms of new products and services.