Transaksi Kartu Kredit: Bagaimana Kita Tahu Kategorinya?

Beberapa kartu kredit memberikan cashback atau bonus hanya untuk kategori transaksi  kartu kredit tertentu – misalnya groceries atau FnB. Pertanyaannya – bagaimana cara kita tahu transaksi kita itu masuk kategori apa?

Sudah banyak dari teman dan followers saya yang bingung karena berbelaja kebutuhan sehari-hari malah dianggap kategori FnB, sedangkan makan di restoran tertentu malah tidak dianggap FnB.

Jawabannya: kategori suatu transaksi bergantung pada klasifikasi merchant pada EDC si pedagang. 

Ketika si pedagang mengajukan mesin EDC ke pihak bank, bank akan menanyakan apa kegiatan usaha si bisnis ini. Masalahnya, FnB dan groceries memang agak rancu – entah kenapa banyak bisnis yang kategorinya tertukar diantara dua hal ini.

Sedangkan untuk transaksi online maka tergantung dari payment gateway websitenya. Website OTA seperti Traveloka, Tiket, dan Agoda sudah dipastikan masuk kategori travel. Membeli makanan lewat Grabfood juga masuk kategori FnB. Namun, pembelian di marketplace tidak masuk ke kategori FnB maupun groceries sekalipun yang kita beli adalah makanan.

Saran saya, jangan terlalu ambil pusing dengan klasifikasi transaksi. Apabila kartu kredit anda memang kartu kredit yang bagus, maka harusnya reward yang anda terima akan memuaskan apapun kategori transaksinya. Saya kurang suka dengan kartu kredit yang memberikan reward ekstra hanya untuk kategori transaksi tertentu saja.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588


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