Yes, it works. Foreign Visa/Mastercard in Indonesia, based on 4 reports from travellers and public sources. Works for: In-store (POS), ATM withdrawal, Online payments, Contactless.
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.
By payment type
Community notes
4 reportsWorks 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.