Paper id: Apa yang Dimaksud “Bakar Kertas” di Dunia Kartu Kredit?

“Bakar kertas” adalah istilah “gaul” untuk kegiatan membayar sesuatu menggunakan kartu kredit anda menggunakan suatu website bernama Paper id . Mungkin disini anda mulai sadar kenapa disebut “bakar kertas”, karena paper dalam bahasa Indonesia artinya adalah kertas.

Apabila anda pengikut saya di media sosial, mungkin anda pernah mendengar saya dan teman-teman kreator kartu kredit lainnya menyebut istilah “bakar kertas” – dan di artikel ini akan saya bahas istilah “bakar kertas” tersebut.

Sebenarnya metode bakar kertas ini sudah lama ada dan dibahas di blog pinterpoin.com, tapi saya akan coba menjelaskan ulang untuk pengunjung blog saya. Apabila anda pernah merasakan menggunakan Citibank Payall, sebenarnya “Bakar kertas” cara kerjanya mirip-mirip, yakni mengurangi limit kartu kredit untuk mengirimkan pembayaran.

Paper.id sendiri sebenarnya merupakan software akuntansi dan perdagangan yang saya gunakan di salah satu bisnis saya, namun mereka juga memiliki fitur mengirimkan pembayaran kepada pihak ketiga menggunakan sumber dana dari kartu kredit.

Tentunya ada biaya yang dikenakan untuk hal tersebut, makanya kita sebut “bakar kertas” – yakni sebesar 1.9% bila anda tidak berlangganan paket yang bernama paper+, atau 1.45% bila anda berlangganan Paper+.

Apabila anda ingin mencoba Paper+, pastikan mendaftar Paper menggunakan kode referral saya KRWF6ZCYWT agar bisa mendapatkan trial Paper+ 1 bulan secara gratis, dan anda juga akan memberikan saya perpanjangan paper+ selama 1 bulan.

Selanjutnya, anda bisa memutuskan sendiri apakah mau lanjut bayar Paper+ atau tidak. Biaya Paper+ sendiri otomatis balik modal bila anda bisa memanfaatkan reward kartu kredit anda dengan baik. Namun apabila anda bukan “penambang miles” maka sebaiknya tidak perlu fokus menggunakan Paper+.

Perlu dicatat bahwa ada perhitungan untuk mengetahui apakah kartu kredit anda “cuan” bisa menutupi biaya 1.45% ATAU TIDAK.

Apabila anda memiliki kartu kredit dengan earning rate 10.000/miles, lalu kita berasumsi nilai 1 miles adalah 150 perak (perhitungan rata-rata berdasarkan valuasi Pinterpoin 2024) , maka kita bisa lakukan perhitungan seperti dibawah ini

150/10.000*100 = berarti equivalent reward anda adalah 1.5% dari jumlah transaksi, masih lebih tinggi dibanding biaya paper yang di 1,45%

Hal ini berarti anda hanya worth mengejar miles bila memiliki kartu kredit dengan earning rate minimal 10.000/miles

Tapi, perlu diingat juga bahwa nilai miles itu bisa naik atau turun tergantung cara penggunaannya. Apabila anda bisa secara konsisten “menaikkan” nilai miles anda, maka mungkin anda bisa mendapatkan keuntungan dari kartu kredit dengan earning rate yang lebih buruk.

Paper sendiri cukup efektif digunakan untuk “mengejar” spending rewards dari kartu kredit yang memiliki “target spending” bulanan seperti OCBC Voyage atau BCA Krisflyer. Misalnya anda masih kurang transaksi 10 juta di akhir bulan untuk mendapatkan rewards tapi tidak tahu lagi mau bayar apa, maka gunakan saja Paper untuk membayar tagihan supplier atau “tagihan” dari pasangan anda.

Bagaimana dengan kartu kredit Cashback?

Tidak semua kartu kredit cashback memperhitungkan transaksi di Paper sebagai “belanja online” sehingga saya juga tidak yakin kartu kredit cashback mana saja yang eligible mendapatkan cashback dari transaksi di Paper – saya tidak pernah coba karena kartu kredit cashback saya selalu digunakan untuk belanja sampai cashback nya maksimal.

Kendati demikian, di Paper anda bisa menggunakan metode pembayaran marketplace Shopee, Tokopedia, dan Blibli untuk “menggesek” kartu kredit anda. Nah, bila seperti ini, saya rasa kemungkinan besar anda bisa mendapatkan cashback dari pencairan dana anda di Paper tersebut – tentunya tergantung ke kebijakan dari bank penerbitnya ya.

Apabila anda menggunakan kode referral saya dan kesulitan menggunakan Paper, maka silakan dm saya di Instagram dan saya akan membantu menjelaskannya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

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