Benefits
Welcome Bonus up to 15.000 GarudaMiles*
Extra Baggage 20kg
Extra baggage 20kg for domestic and international flight
3x GarudaMiles
3x GarudaMiles per IDR 20.000,- for transaction in Garuda Indonesia
There will be GarudaMiles earning adjustments starting 10 March 2026
2x GarudaMiles
2x GarudaMiles per IDR 20.000,- for any retail transaction
There will be GarudaMiles earning adjustments starting 10 March 2026
Dedicated Counter Check-in
Dedicated counter check-in in Terminal 3 Soekarno Hatta and Bandara Ngurah Rai Bali
10% Discount for Award Tiket redemption*
10% discount for award ticket redemption in Sales Office Garuda
Privileges
Travel inconvenience coverage up to IDR100 million
Claim information
Medical overseas coverage up to IDR150 million
Claim information

GIUC Spend&Fly
Exclusive program "GIUC Spend&Fly" from Garuda Indonesia UOB Card::
- Fast Track to GarudaMiles Membership Platinum UOB (Program Period 15 October 2025 – 15 February 2026)
Features
Enjoy the Contactless Feature of your Garuda Indonesia UOB Card
Just TAP your Garuda Indonesia UOB Card, shopping will be easier, faster and safer!
How to use
Experience the convenience of transactions using the Garuda Indonesia UOB Contactless Card. Just hold your card close to the EDC contactless cashier machine and your transaction will be completed immediately!
Here's how to use the Contactless Feature
FAQ
What is the Contactless Feature?
The Contactless feature with the symbol
is a feature on UOB Mastercard and Visa Credit Cards that makes payments easier and faster because the payment process is conducted without having the card touch or inserted into the card reader (EDC machine).
What are the benefits?
With the Contactless feature, payments become faster, easier, more secure and convenient. Simply tap the UOB Credit Card with the Contactless symbol to the card reader (EDC machine) at the cashier and your transaction is complete. With the Contactless feature, your transactions become secure and more convenient because your UOB Credit Card does not leave your hand when conducting transactions in front of the cashier, so your data stays confidential and your physical UOB Credit Card is kept clean.
How to use the Contactless Feature?
Look for a Contactless card reader (EDC machine) that displays the Contactless feature symbol with the Mastercard/ Visa logo at the cashier. After the cashier enters the purchase amount into the card reader (EDC machine), bring the Mastercard/Visa Credit Card within a distance of up to 5 cm from the Contactless card reader (EDC machine). The transaction is successful when the green indicator light turns on and you see a message confirming that your transaction is confirmed.
Where can I make payments with the Contactless Feature?
You can make Contactless transactions at various merchants around the world. Find merchants that display the Contactless symbol and Mastercard/Visa logo on the card reader (EDC machine) at the cashier.
Is the Contactless Feature secure to use?
It is secure, because like a chip card, every transaction is accompanied by a one-time code that keeps your payment information secure. Additionally, you will not make an accidental payment because your UOB Credit Card must be within 5 cm of the terminal for the transaction to occur and you will not be charged twice, even if you accidentally tap the card reader (EDC machine) more than once.
Are there any purchase restrictions using the Contactless feature?
You can use the Contactless feature to shop in unlimited amounts. For domestic transactions, if the transaction value with Contactless is more than IDR 1 million (or equivalent to the rupiah currency), then your transaction must use a PIN. Contactless transactions made abroad will follow the applicable regulations in said country.
Can I get proof of payment after making a transaction?
The Contactless feature is designed as a paperless payment tool, where you only need to tap the card and it's done, but you can request proof of payment if needed (with no additional fees).
How do I track my purchases using the Contactless Feature?
You can check your transaction records online at any time via the UOB TMRW app or via the UOB Contact Center at 14008 or 62-21-2355 9000. The monthly billing statement you receive from UOB Bank will also record your Contactless transactions.
Can the card be read (a purchase made without me knowing) when passing through the EDC machine/card reader?
No. The Contactless feature is designed to ensure that the cardholder is always in control. The cashier must first enter the purchase amount for approval and the UOB Credit Card must be in very close proximity to the card reader (EDC machine) for the transaction to be successful. The card reader (EDC machine) can only process one payment transaction at a time.
I am an existing UOB customer and I want to replace my Credit Card with a Contactless Card. How can I do it?
You can replace your old Credit Card with a Contactless Card by contacting the UOB Contact Center at 14008 or 62-21-2355 9000. Card replacement will be subject to a fee in accordance with the applicable regulations.
Other Features
| Travel Insurance | Purchasing travel tickets using Garuda Indonesia UOB Card will get the following protection benefits: > Travel Insurance up to IDR25.000.000.000,- > Travel Inconvenience up to IDR10.000.000,- > Medical overseas up to IDR150.000.000,- |
| Fitur MasterCard Contactless | Enjoy contactless transactions accepted globally enabling a fast, easy, and safe payments. |
| Competitive Exchange Rate | Transact any time abroad is more comfortable with competitive exchange rates. |
| UOB Regional Privileges | Enjoy discounts and special offers in Singapore at various well-known restaurants, hotels, shopping centers, fashion outlets, family entertainment centers and many other places. |
| UOB Credit Protection | Balance protection facility with low premiums for outstanding balances which will protect you from having to pay off your bill balance if something undesirable happens. |
| UOB Bill Payment | Payment of routine monthly bills for electricity, cellular telephone, subscription television and internet can now be made via autodebit to your credit card. Call UOB Contact Centre di 14008 atau (021) 2355 9000 to register. |
| UOB FlexiPay | Get special offer on competitive interest installments up to 24 months for retail purchases. |
| UOB Auto Pay | If you have UOB Bank account, you can enjoy the Auto Pay facility for free by providing written instructions to debit your account every month on the due date of your credit card bill. You can choose to pay the total bill or minimum payment (10% of the total bill). |
| Valid Worldwide | Garuda Indonesia UOB Card is accepted by more than 25 million merchants and provides easy cash withdrawals at millions of ATMs spread across the world. |
| Cash Advance | Cash advance facility up to a maximum of 40% of the credit limit provided. The maximum withdrawal limit via ATM machine is IDR15.000.000,-/day/card. |
| 24 Hours UOB Contact Centre | Call UOB Contact Centre 14008 for information services on your Garuda Indonesia UOB Card, information regarding the bill amount, last transaction, remaining credit limit and card loss reports can be served at any time 24 hours a day. |
Terms and Conditions
GarudaMiles Terms and Conditions
- Earn GarudaMiles for every retail transaction.
- GarudaMiles earning for retail transaction is as follow:
Until 9 March 2026 Retail Transaction GarudaMiles Earning per IDR20,000 Garuda Indonesia 3 miles (Rp6,600/miles) Travel, Hotel & Overseas* 2 miles (Rp10,000/miles) Others 2 miles (Rp10,000/miles) *Overseas transaction in foreign currencyStart from 10 March 2026 Retail Transaction GarudaMiles Earning per IDR24,000 Garuda Indonesia 4.8 miles (Rp5,000/miles) Travel, Hotel & Overseas* 3 miles (Rp8,000/miles) Others 2 miles (Rp12,000/miles)
Retail Transaction IllustrationRetail Transaction Illustration GarudaMiles Earning Transaction (IDR) Up to 9-Mar-26 Start from 10-Mar-26 A Airline ticket purchase at Garuda Indonesia 1,000,000 150 200 B Overseas transaction in foreign currency 1,000,000 100 125 C Transaction in travel agent 1,000,000 100 125 D Hotel booking 1,000,000 100 125 E Other Retail Transactions 1,000,000 100 83 - GarudaMiles will be auto-sweep to GarudaMiles membership in Garuda Indonesia for minimum accumulative 250 GarudaMiles
- Retail transaction that will be converted to GarudaMiles is retail transaction in primary and supplementary credit card which has been posted by Bank, exclude transaction converted in to installment, Cash Advance, UOB Bill Payment, payment for utilities such as electricity, water, gas, Telkom and XL, donation payments (includes social services), government services (include tax payment, custom, immigration and BPJS) and Cash on Phone.
- GarudaMiles will be credited if Garuda Indonesia UOB credit card status is active and credit facility status is current
Welcome Bonus 12,500 GarudaMiles (Program Welcome Bonus Reguler)
- Welcome Bonus 12,500 (twelve thousand and five hundred) GarudaMiles with accumulate minimum transaction of IDR2,500,000 (two millions and five hundred thousand rupiah) within 90 (ninety) calendar days since card is approved.
- Program Welcome Bonus Regular can’t be combined with other program.
Welcome Bonus 15.000 GarudaMiles
- Program Period: 1 May 2024 – 28 February 2026
- Welcome Bonus 2,500 (two thousand and five hundred) GarudaMiles if activate Garuda Indonesia UOB Card within 30 (thirty) calendar days since card is approved
- Welcome Bonus 12,500 (twelve thousand and five hundred) GarudaMiles with accumulate minimum transaction of IDR2,500,000 (two millions and five hundred thousand rupiah) within 90 (ninety) calendar days since card is approved.
Tabel Scenario Welcome Bonus
|
Scenario |
Total Retail Transaction |
Transaction Period |
Welcome Bonus GarudaMiles |
Total Bonus GarudaMiles |
|
A |
- |
Activate in 30 days after card is approved
|
2,500 GarudaMiles |
2,500 GarudaMiles |
|
B |
IDR2,500,000 |
|
2,500 GarudaMiles + 12,500 GarudaMiles |
15,000 GarudaMiles |
|
C |
IDR2,500,000 |
|
12,500 GarudaMiles |
12,500 GarudaMiles |
General Terms and Conditions for Welcome Bonus
- Valid for Garuda Indonesia UOB Card new application
- Program is not applied for supplementary credit card
- Transaction converted into installment, Cash advance transaction, Loan on Phone, UOB Bill Payment, annual fee, interest, administration fee and other fees are excluded from retail transaction calculation.
- Program can’t be combined with other Welcome Bonus program
- Program only applies for customer who fill in Garuda Indonesia UOB Card application within program period
- Reward can’t be exchanged
- UOB reserves the right not to award prizes or reclaim the amount of prizes that have been given to Credit Card Holders if the Cardholder commits acts or is suspected of committing malicious acts, fraud, fraud or acts that violate the provisions of laws and regulations related to the use of Credit Cards, UOB facilities or services owned, manipulation of transactions by cardholders and/or Merchants, and other fraudulent acts in consideration.
- Garuda Indonesia UOB credit card status must be active, credit facility status is current, not in permanent block during Welcome Bonus fulfillment to customer who meet the program terms and conditions.
- Bonus miles will be credited to the customer’s GarudaMiles cobrand membership who meet the program terms and conditions within 90 (ninety) working days after fulfill program’s terms and conditions.
- Complaint related to this program will be valid no later than 30 (thirty) working days after program period ended.
- GarudaMiles terms and conditions are according to Garuda Indonesia’s policy
- For further information, please contact UOB Contact Center at 14008 or (021) 2355 9000
Fees
Requirements
Products and Services Information Overview
Click here for complete information of Products and Services Information Overview.
UOB Credit Card Application Requirements
Persyaratan yang harus dilengkapi:
| No | Persyaratan | Keterangan |
|---|---|---|
| 1 | Usia Minimum | Kartu utama : 21 tahun Kartu tambahan : 17 tahun |
| 2 | Usia Maksimal | 65 tahun |
| 3 | Status Kewarganegaraan | WNI/WNA |
| 4 | Status Kepegawaian | Karyawan Tetap/Wiraswasta/Profesional |
| 5 | Penghasilan minimal/tahun | Rp60.000.000,- s/d Rp500.000.000,- |
| Dokumen | Karyawan | Wiraswasta | Profesional |
|---|---|---|---|
| Fotokopi KTP untuk calon Nasabah WNI | √ | √ | √ |
| Fotokopi KITAS dan Paspor untuk calon Nasabah WNA | √ | √ | √ |
| Fotokopi bukti penghasilan Nasabah dalam bentuk: Slip Gaji maksimal 3 bulan terakhir / SKP maksimal 1 bulan terakhir / SPT maksimal 2 tahun terakhir / Rekening Tabungan 3 bulan terakhir / Slip BPJS Ketenagakerjaan |
√ | - | |
| Fotokopi bukti penghasilan Nasabah dalam bentuk: SPT PPH maksimal 2 tahun terakhir / Setoran pajak badan usaha maksimal 2 tahun terakhir / Laporan laba rugi maksimal 1 tahun terakhir / Fotokopi tabungan atau rekening koran 3 bulan terakhir |
- | √ | - |
| NPWP (untuk pengajuan limit di atas Rp 50 juta) | √ | √ | √ |
Jika data/informasi dan atau dokumen yang disampaikan ini tidak benar, maka Bank berhak untuk membatalkan pengajuan Kartu Kredit UOB Nasabah.









