Credit Cards Make Holidaying More Efficient? Here's how!

04 July 2025

Travelling is one of the best ways to unwind and find new inspiration. Exploring new places, trying regional culinary specialities, and getting to know local cultures often provide life-enriching experiences. However, the reality is that holidays can be expensive if not planned properly. From airfare, accommodation, local transport to daily meals, it can all add up in an instant.

For this reason, it is important that you plan your expenses carefully, including choosing an easy & practical payment method. One option that can be utilised is by using a credit card, you can also maximise credit card promos and ease of transactions during your trip. With the right strategy, credit cards are not only a means of payment, but also a smart partner in your travels.

Benefits of Travelling with Credit Cards

Easy Transactions Without Having to Carry Cash

One of the main benefits of credit cards when travelling is the ease of transactions. You don't need to carry a lot of cash, which is not only inconvenient but also has a high security risk. With just one credit card, you can make various payments ranging from hotels, restaurants, online transportation, to tourist attraction tickets.

You can use your credit card to make various payments ranging from hotels, restaurants, online transport, to tickets for tourist attractions.

Credit cards are also very helpful when travelling abroad. You don't need to bother exchanging currency at the money changer. With international credit cards such as Visa or JCB from Maybank can be used directly at various global merchants.

Maybank Credit Cards guarantee low exchange rates for both travelling and online shopping with foreign currencies. That way, you can enjoy travelling without worrying about payments.

In addition, almost all credit card transactions are automatically recorded in the system. You don't need to save receipts or manually calculate your daily expenses. Everything can be checked easily through the M2U ID App.

Utilise Promo, Cashback & Points to Save Money

One of the advantages of using a credit card is that there are various promos and cashback offers that can be enjoyed. In the context of travelling, this is very helpful to reduce holiday costs. Many airlines, hotels, and travel booking sites work together with card-issuing banks to provide special discounts for certain credit card holders.

Maybank Indonesia, for example, regularly offers various attractive promos for its credit card users. Starting from hotel discounts, discounted airfares, cashback, to 0% instalments for travel package purchases. If utilised properly, these promos can save millions of rupiah from your holiday budget.

Apart from promos, the cashback feature is also an added benefit. Every transaction you make can earn cashback that is credited directly to your card bill or become reward points that can be exchanged for various attractive prizes.

Not only promos and cashback, you can also redeem Maybank TREATS Points that can be used to prepare for your next trip, with a wide selection of attractive items ranging from e-vouchers, vouchers, selected items, or mileage from cooperating miles partners.

Helps Record and Manage Expenses

During holidays, it's easy to lose control of expenses. Without proper planning, expenses can balloon and leave you in shock when the holiday is over. This is where credit cards play an important role as an automated financial record-keeping tool.

With a credit card, all transactions are recorded in a monthly report that can be accessed through the M2U ID App. You can see detailed spending categories such as how much was spent on transport, accommodation, dining, shopping and entertainment. This helps you evaluate your budget efficiency and plan your next holiday better.

Types of Maybank Credit Cards for Travellers

Maybank Indonesia provides various credit card options that can be tailored to the needs and lifestyle of travellers. Each card has advantages and features that support your travelling activities:

1.   Maybank Visa Infinite Credit Card

Benefits:

1. Get bonus 10,000 Maybank TREATS Points with any transaction during the first 3 months.
2. Collect Airline Miles, redeem them for airline tickets to travel to your favourite destinations with conversion equivalent to 1 (one) Airline Miles for every Rp7,500 retail shopping transaction.
3. A holiday abroad is more fun with a low exchange rate guarantee.
4. Enjoy complimentary green fees to play golf at 100 golf clubs in 19 countries.

Product information can be found here.

2.   BMW/MINI Maybank Credit Card

Benefits:

1. Get bonus 10,000 Maybank TREATS Points with any transaction during the first 3 months.
2. 2x TREATS Points for every retail transaction overseas
3. A holiday abroad is more enjoyable with a low exchange rate guarantee.
4. Enjoy complimentary green fees to play golf at 100 golf clubs in 19 countries.
5. Travel insurance coverage up to IDR1 billion for overseas flights.

Product information can be found here.

3.   Maybank JCB Credit Card

Benefits:

1. Get 5,000 Maybank TREATS Points bonus with any transaction during the first 3 months.
2. Enjoy various benefits from travel preparation to return from Japan.
3. Earn 1 Maybank TREATS Point equivalent to 1 Airline Miles for every Rp 10k retail spending.
4. Free access to more than 50 JCB Airport Lounges and more than 10 JCB Plazas worldwide.

Product information can be found here.

To apply for a Maybank Credit Card, you can do it anytime and anywhere through the M2U ID App. Here's how to apply that you can follow:

• Login to M2U ID App
• Click the ‘+’ sign on the account dashboard, then select credit card
• Read the benefits of each type of credit card offered, then click ‘Next’
• Prepare e-KTP as a credit card opening requirement
• Select Job information and click “Next”
• Complete additional information and click ‘Next’
• Select the account number that will be used for automatic credit card payments
• Input referral code/promo code (optional), click ‘Next’
• Check the application details, if it is appropriate, click “CONFIRM”
• Read and agree to the terms and conditions, click ‘Next’
• Input Passcode Secure2u
• Maybank Credit Card application process has been completed

You can see complete information here.

Holidays should be a joyful moment, not a financial burden. By using your credit card wisely, you can enjoy your trip more economically, safely, and comfortably. Let's apply for a Maybank Credit Card now!