Will a Permata bank card payment go through for a booking in Thailand? 💳✈️🏝️🤔
Using Permata Bank Cards Outside of Indonesia
While Permata Bank cards are primarily designed for use within Indonesia, there are options for using them in other countries, including Thailand. Here's what you need to know:
Informing the Bank:
Notification is crucial: Before traveling, inform Permata Bank about your travel dates and destinations to avoid potential card blocks due to suspected fraudulent activity.
Communication methods: You can notify the bank through email, phone call, or by visiting a branch in person.
Country limitations: You might be limited to specifying a certain number of countries (up to 10) where you intend to use the card.
Card Options and Limitations:
Card types: Permata Bank offers various card types, including basic (green), red, and black cards. Each has different features and limitations.
Basic cards: These cards might have restrictions on online payments and international usage. Consider upgrading to a red or black card for better functionality.
Multicurrency cards: While these cards offer accounts in different currencies, they might not allow setting a foreign currency as the primary payment option, leading to potential conversion fees.
Transaction limits: Be aware of daily withdrawal and spending limits, which vary depending on the card type.
Alternative Payment Methods:
Cash: Always have some local currency on hand as a backup, especially in areas with limited card acceptance.
Other banks: Consider opening accounts with other international banks that offer wider acceptance and better exchange rates for international transactions.
Digital wallets: Explore options like Wise or local e-wallets for convenient and potentially cost-effective money transfers and payments.
Additional Tips:
Check card status: Ensure your card is active and not blocked before traveling.
Carry backup cards: Have multiple cards from different banks as a precaution.
Monitor transactions: Regularly check your account for any suspicious activity.
Contact customer support: Reach out to Permata Bank's customer support if you encounter any issues or have questions.