Works well in tourist areas, hotels, restaurants, supermarkets. Expect 3% card surcharge at many merchants and minimum spend requirements (~IDR 50K). Limited in local markets and warung.

ATMs widely available in cities, malls, airports. Accept foreign Visa/Mastercard. Avoid dynamic currency conversion (DCC) — withdraw in IDR, not home currency.

Visa/Mastercard accepted for online bookings and purchases. Foreign cards work for international sites; local Indonesian ecommerce may have restrictions.

Growing in tourist areas and modern establishments but remains limited. Cash and chip/PIN remain the primary methods.