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

11 Comments

Leave a Reply

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *

    • Please refrain from investing and read reviews.
      I kindly ask anyone who reads this review not to invest in this platform. This is a major scam.
      They had a pleasant conversation before investing and display early profits.
      Please take note that there is no withdrawal option. You must obtain their consent. My wallet was stolen by a con artist using a phishing scheme. The 2.8 BTC were taken. I was able to find my misplaced item by getting in touch with / Marketpeace. n e t / so guys be guided.

  1. Hi i think that i saw you visited my web site thus i came to Return the favore I am attempting to find things to improve my web siteI suppose its ok to use some of your ideas

  2. What i dont understood is in reality how youre now not really a lot more smartlyfavored than you might be now Youre very intelligent You understand therefore significantly in terms of this topic produced me personally believe it from a lot of numerous angles Its like women and men are not interested except it is one thing to accomplish with Woman gaga Your own stuffs outstanding Always care for it up

  3. Terima kasih banget atas infonya yang super bermanfaat! Gak pernah kecewa sama beritanya yang selalu update dan relevan di situs ini. Nah, buat kalian yang suka mendekin link, saran gue nih, cobain deh V.af! Udah gue pake, rasanya efisiensinya juara banget. Plus, desainnya keren abis! Langsung aja cek di V.af ya. Terima kasih lagi buat konten keren di situs ini, semangat terus! 🚀🌟

  4. one has to be guiDed a lot of sc.mmers are out there taking money from innocent traders. I was a victim to this sc.m crypto broker the made me loss my hard earn funds.
    I rep0rted to Jeffsilbert39 g ma!l c0m and He was able to fight back for my funds now I have my fvnds fully rec0 vered.

  5. Be guided guys and know the reputation of any platform you wish to invest in. I was a victim to some scam platform, I was not able to withdraw due to lack of experience but am glad I found help from marketpeace.net this company was able to help me recover my lost funds to them so guys be guided you can reach to her with mail address Marketpeace.neT

  6. This platform is a whole sucm. I lost so much to them, and I was able to get restored of my lost with the instruction of marketpeace.net i never though i could get it back as all hope was gone but am glade i got my refund. be guided pls.

  7. I loved as much as youll receive carried out right here The sketch is attractive your authored material stylish nonetheless you command get bought an nervousness over that you wish be delivering the following unwell unquestionably come more formerly again as exactly the same nearly a lot often inside case you shield this hike