The Perceived Online Benefits of Credit Cards by Indonesian Consumers

E-commerce transactions in Indonesia has been growing tremendously since 2015 with GMV (Gross Merchandise Value) of US$ 1.7 billion at a CAGR of 88% reaching US$ 20.9 billion in 2019 and it is expected to reach US$82 billion by 2025. One of the factors that allow for such growth is the increase in consumer adoption of digital payments like credit cards that are more seamless compared to cash on delivery.

So we ask our respondents of those who have credit cards: what is it that drove them to use their credit cards while shopping online?


Majority of respondents answered that their reasons to use credit cards while shopping online are for large value purchases and to take advantage of installment programs. This is one of the main benefits provided by credit card companies, as payment by installment is quite popular in Indonesia.

But how about purchases for groceries that consisted of smaller value products?


76% of our respondents said that they have shopped for groceries online with a credit card although the benefit of installment plans are not as apparent as large value items. Online grocery shopping is still relatively new in the everyday Indonesian’s life (partly credited due to the latest stay-at-home policy) but given the convenience of using credit cards VS other types of methods, it seems that our respondents are more likely to use credit cards for any type of online shopping whether it is large value items like electronics or small value items like groceries.

What do you think? Are you keen to explore more in regards to Indonesian’s credit card usage? Please reach out to us here.

This survey is made possible by Snapcart’s TASC, which gives quick results from audiences across Indonesia. Want to know how you can get insights of your own? Find out here.



[1] e-Conomy SEA 2019 – Google / Temasek Report 

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