Recommended Cards for Bali Travel: From Grab Payments to Currency Exchange and ATMs

Pre-departure research note · Information checked on September 12, 2026. This records what I checked before departure, not firsthand use of the cards in Bali. Card products and partner benefits may change, so it is worth checking the official information again before applying, loading funds, or departing.

While preparing for Bali, I reviewed my card options too. I had more or less settled on accommodations and restaurants, but still needed to decide which cards to use for rides, meals, and cash withdrawals. Grab adds another distinction: the card’s own benefits, the payment method saved in the app, and telecom-provider promotions are separate things. I compared the cards across four practical questions: whether they support exchanging Indonesian rupiah (IDR) in advance; whether they work for Grab and overseas online payments; what fees apply to overseas purchases and ATM withdrawals; and what backup is available if a card fails.

The Bottom Line#

If choosing just one new card, the Travelog debit card, domestic-and-international Mastercard is the most straightforward primary option. It supports Indonesian rupiah (IDR), and the official information lists a 100% preferential exchange rate for 58 currencies. A fee-free exchange promotion for 54 currencies, including IDR, runs through December 31, 2026; card-issuer fees for overseas payments and ATM use are also waived.[2]

If you already use Woori Bank, consider the Woori Wibee Travel debit card for Grab and other overseas payments. It offers 5% cashback at overseas online and offline merchants, subject to prior-month domestic spending requirements and a monthly cap. Since the actual processing result determines whether a Grab payment is classified as an overseas merchant, I have not described it as a “Grab-only discount.”[3]

If you already have a Toss Bank debit card, you can link a foreign-currency account and use it as a backup. From August 11, 2026, the 2% cashback on overseas payments ended; with a foreign-currency account linked, the international-brand fee and overseas-use fee are waived instead. Toss Bank’s fee for overseas ATM withdrawals is waived up to five times per month or a cumulative US$700.[4][5]

Shinhan SOL Travel is better viewed as an ATM, airport-lounge, and backup card than as a way to get a Grab discount in Bali. It waives overseas-payment and ATM fees, supports local-currency payments, and can be used at Mastercard/Cirrus ATMs. A separate fee charged by the overseas ATM operator may still apply.[6]

Card-by-Card Comparison#

Card	Role in Bali	Advantages	Points to check
Travelog debit card Mastercard	Primary card · IDR management	IDR support, 100% exchange-rate preferential rate, card-issuer fee waivers for overseas payments and ATMs	Check the foreign-currency balance and refund fee
Woori Wibee Travel Mastercard	Grab · overseas-payment cashback	5% overseas cashback	Woori Bank KRW and foreign-currency accounts, prior-month spending requirement
Toss Bank debit card	Backup card	Overseas-payment fee waiver and automatic exchange when linked to a foreign-currency account	The 2% cashback has ended; check the ATM waiver limit
Shinhan SOL Travel Mastercard	ATMs · lounge · backup card	Local-currency payments, overseas-fee waiver, lounge access	Lounge access requires KRW 300,000 in prior-month spending
Travel Wallet VISA	VISA backup card	IDR loading and payment support, access to Visa-accepting merchants	2% on the amount over US$500 per month at ATMs; local ATM fee charged separately

A card issuer’s fee waiver and a local ATM operator’s fee waiver are different things. Even when a card says “overseas ATM fee waived,” a separate surcharge may appear on the local machine’s screen.[2][4][6]

1. Travelog Debit Card, Domestic-and-International Mastercard#

Hana Travelog supports Indonesian IDR. The official information lists IDR among 58 currencies. A promotion offering a 100% preferential exchange rate covers 54 currencies, with 4 currencies excluded, through December 31, 2026.[2]

For overseas payments, the US$0.5 per-transaction overseas service fee and the international-brand fee of up to 1.1% of the transaction amount are eligible for waiver. For ATM withdrawals, the US$3 per-transaction withdrawal fee and the international-brand fee of up to 1.1% are also eligible for waiver.[2] The waiver does not cover a surcharge charged by the local ATM operator.[2]

Travelog is used by linking a deposit-and-withdrawal account in the cardholder’s name. The official information says that accounts at Hana Bank, Hana Securities, Hana Savings Bank, and other banks can be linked, and that the debit card has no annual fee.[2] Converting remaining foreign currency back to KRW after the trip incurs a 1% refund fee, so loading IDR in portions based on expected spending may be preferable to loading it all at once.[2] It is a fit if you want to manage IDR in advance without meeting a separate card-spending requirement and keep your primary-card setup simple.

Breaking Down the Hana Card Travelog Product Family#

Based on Hana Card’s official Travelog information, 4 debit cards and 4 credit cards, 8 cards in total, are listed. Their names are similar, but their international brands, domestic rewards, mileage, lounge access, and partner functions differ.[11]

However, there is no need to think of all 8 cards as different currency-exchange cards. The shared criterion that matters in Bali is the overseas-payment setting. Debit cards pay from the foreign-currency Hana Money balance, while Travelog credit cards let you choose between foreign-currency Hana Money payment and credit payment.[12][14]

4 Debit Cards#

Travelog Debit Card — Mastercard · UPI#

It has no annual fee and is issued as either Mastercard or UPI. Its key features are the fee-free exchange-promotion currencies including IDR, foreign-currency Hana Money payments, and waivers of the card issuer’s overseas-payment and ATM fees. The surcharge separately charged by a local ATM operator may remain.[11][12]

For Bali, the simplest approach is to make the Mastercard version of this card the primary card. Treat the UPI version as an additional backup option and prioritize preparing it together with a Visa backup card.

TravelGO Debit Card — Visa#

It has no annual fee and is issued under the Visa brand. It earns Hana Money at certain domestic merchants, and the Visa Allpoint partner ATM benefit can waive the local ATM surcharge.[11][13]

Its role in Bali is as a Visa backup card. However, the benefit applies only at Allpoint partner ATMs, so check before departure whether there is an ATM you can actually use in Bali. Do not assume it is fee-free until you have confirmed that an Allpoint ATM is available.[13]

Samsung Wallet Hana Travelog Debit Card — Mastercard#

It has no annual fee and is issued as either Mastercard or domestic-only. The waiver of overseas-merchant and overseas-ATM use fees remains in place, but receiving Samsung Wallet points requires at least KRW 200,000 in domestic and overseas one-time spending in the prior month.[8]

It is meaningful for people who frequently use Samsung Wallet domestically, but there is little reason to apply for it instead of the standard Travelog debit card solely for overseas payments in Bali.

Kakao Pay Travelog Debit Card — Mastercard#

This is a co-branded card listed as Mastercard with no annual fee. On Hana Card’s official page, it is introduced as a Kakao Pay and character-design partner card rather than for a separate Bali-specific additional benefit, so it is closer to a product to choose for its design and application channel than for its benefits.[11]

4 Credit Cards#

For the credit cards, distinguish between foreign-currency Hana Money mode and credit-payment mode. In foreign-currency Hana Money mode, the 100% preferential exchange rate and overseas-use fee waiver apply. In credit-payment mode, you earn rewards instead, but the KRW bill includes the 1% Mastercard international-brand fee and Hana Card’s 0.2% overseas-service fee.[14][15][16][17]

Travelog Credit Card — Mastercard#

The annual fee is KRW 20,000. In credit-payment mode, the key features are 3% Hana Money earned at overseas merchants, a monthly cap of 50,000 Hana Money, and no prior-month spending requirement. In foreign-currency Hana Money mode, you save on fees but do not receive the 3% overseas reward.[14]

Even assuming that you earn the full 50,000 Hana Money in overseas rewards, a simple calculation shows that you would need to spend approximately KRW 1,667,000. The 1.2% overseas fee would be approximately KRW 20,000, leaving approximately KRW 30,000 after subtracting the fee from KRW 50,000 in rewards. After subtracting the annual fee, the amount left from overseas rewards alone is approximately KRW 10,000, so this card suits people who will also use its regular domestic benefits rather than serving as the primary card for saving fees in Bali.[14]

Travelog+ Credit Card — Mastercard#

The annual fee is KRW 20,000. It offers 3% rewards at overseas merchants, 3% for airlines, duty-free shops, and OTAs, 1% at all domestic and overseas merchants, and 1–1.3% through simple payments. The separately listed current seasonal benefit is focused on Japanese merchants and is available only in credit-payment mode.[5]

For a Bali trip alone, you cannot receive the Japan-focused benefit, so this card is not a higher priority than the standard Travelog credit card. Consider it when you regularly pay domestic airlines or OTAs, or when you also have a trip to Japan planned.

Travelog SKYPASS Credit Card — Mastercard#

The annual fee is KRW 48,000. It earns 1 Korean Air mile per KRW 1,500 at domestic and overseas merchants and 3 miles per KRW 1,500 at special merchants. Gift miles and lounge access twice a year are also listed.[6]

It is an option for people who genuinely collect Korean Air miles, but in foreign-currency Hana Money mode it waives fees instead of earning miles. It is more accurate to view it as a Korean Air mileage card combined with Travelog functionality than as a Bali-specific fee-saving card.[6]

Travelog PRESTIGE Credit Card — Mastercard#

The annual fee is KRW 150,000. It offers 1.5 miles per KRW 1,500 at domestic and overseas merchants, 3 miles per KRW 1,500 at special merchants, 5,000 gift miles, and access to lounges worldwide 4 times a year.[7]

Consider it only if you plan to make full use of the lounge and mileage benefits in everyday life as well. I do not recommend paying an annual fee of KRW 150,000 for a single trip to Bali.

Reordered for Bali#

If choosing only among Hana Card products, the following combination is the most practical.

Primary: Travelog debit card, domestic-and-international Mastercard
Backup: TravelGO debit card, Visa
Optional: Samsung Wallet when you will actually use the domestic points; Kakao Pay when you like the design
Conditional: Travelog credit card when you will also use its domestic benefits; SKYPASS when your goal is Korean Air miles; PRESTIGE when you will make full use of the lounge and premium benefits

The payment setup needed in Bali is not 8 cards. Prepare 1 Mastercard as the primary card and 1 Visa as the backup, and check the local ATM surcharge and DCC separately.

2. Woori Wibee Travel Debit Card Mastercard#

The key feature of the Woori Wibee Travel card is 5% cashback on spending at overseas merchants. According to the official information, it applies to transactions classified as overseas online or offline merchants, and overseas fees are also waived.[3]

The overseas-cashback caps based on prior-month domestic-merchant spending are as follows.

At least KRW 200,000: KRW 2,000 per month[3]
At least KRW 500,000: KRW 4,000 per month[3]
At least KRW 700,000: KRW 6,000 per month[3]

Therefore, looking only at the 5% cashback, each cap is reached at approximately KRW 40,000, KRW 80,000, and KRW 120,000 in overseas spending, respectively. To receive the actual cashback, both the prior-month spending requirement and the merchant classification must be satisfied.[3]

Wibee Travel requires both a KRW payment account and a foreign-currency payment account to be designated, and the official information says that only Woori Bank accounts are eligible.[3]

It may be worth considering if you already have Woori Bank KRW and foreign-currency payment accounts, naturally meet the KRW 200,000 monthly domestic-spending requirement, and expect several overseas payments beyond Grab.[3] However, a Grab payment may not qualify for cashback if it is not classified as an overseas merchant or if an event or payment-processing route is recorded differently. It is more accurate to view Wibee Travel not as a “Bali Grab card” but as an overseas-cashback card for someone who already meets the spending requirement.

3. Toss Bank Debit Card + Foreign-Currency Account#

The direction of the Toss Bank debit card’s overseas benefits changed on August 11, 2026. The previous 2% cashback on overseas payment amounts ended, and when a foreign-currency account is linked as the overseas payment account, the 1% international-brand fee and US$0.5 overseas-use fee per transaction are waived.[4]

For overseas ATMs, when a foreign-currency account is linked, Toss Bank’s overseas ATM withdrawal fee is waived for 5 cumulative withdrawals per month or up to a cumulative withdrawal amount of US$700. The local ATM operator’s fee is separate.[4]

Toss can serve as a backup card that automatically exchanges only the amount needed, rather than requiring a large IDR balance in advance, but it is not a card to bring while expecting 2% cashback on overseas payments. Before departure, check that the foreign-currency account is linked as the overseas payment account, automatic exchange for insufficient funds is enabled, and the foreign-currency account is designated for overseas ATM withdrawals. Also check the ATM waiver limits for both the number of withdrawals and the cumulative amount.[4]

4. Shinhan SOL Travel Debit Card Mastercard#

Shinhan SOL Travel uses local currency for overseas payments and withdraws the funds from the foreign-currency payment account. For overseas payments, the 1% international-brand fee and 0.2% overseas-service fee are eligible for waiver; for overseas ATM withdrawals, the US$3 per-transaction fee and 1% international-brand fee are eligible for waiver.[6]

Overseas ATMs can be used when they display the Mastercard or Cirrus mark, and the card issuer’s fee-waiver benefit is listed as having no transaction-count limit. However, a fee separately imposed by the machine operator may still be charged.[6]

Airport lounge access is available once every half-year, for 2 visits per year, for the cardholder, but it requires KRW 300,000 in domestic spending during the prior month. Overseas spending does not count toward this requirement.[6]

In Bali, it can serve as a Mastercard backup if Hana Travelog is not approved, for ATM withdrawals and airport lounge access, or for payments such as hotels and transportation that may require additional authorization or be captured later.[6] Rather than getting it solely for a Grab discount, choose it when you need fee waivers and backup functionality.

5. Travel Wallet VISA#

Travel Wallet is a Visa card that supports loading and payments in IDR. Its official help center says that, as of April 2026, it supports loading and payments in a total of 46 currencies across 71 countries, and Indonesian IDR is included in the list.[7]

For ATMs, Travel Wallet charges no separate fee up to US$500 per month; when the monthly withdrawal amount exceeds US$500, a 2% fee applies to the excess amount. Any fee separately imposed by the local ATM operator is charged in addition.[8]

Travel Wallet is better kept as a Visa backup than used as the primary card. It can reduce the brand-acceptance problem that may arise when you prepare only Mastercard cards, and lets you switch to another payment method if something goes wrong with the primary card.

It is better to load a small amount before the trip and confirm that actual payments work. Check the remaining balance and refund exchange rate again in the app before departure.

Treat Grab Discounts Separately from Card Benefits#

The Grab benefit worth checking for this Bali trip is KT Grab Travel Pass, rather than a card-issuer discount.

KT says that, from July 20, 2026, until supplies are exhausted, it will send a Grab Travel Pass code by LMS after arrival in the destination country to subscribers of eligible data-roaming products, without a separate application. The code can be used for 4 weeks from the day it is registered in the Grab app, and it is provided once per person.[1]

The listed benefits in Indonesia are as follows.

25% off airport rides, 4 times[1]
15% off regular rides, 15 times[1]
20% off GrabCar Plus and XL, once[1]
35% off advance bookings, once[1]
IDR 10,000 off food-delivery fees, 20 times[1]
IDR 10,000 off grocery-delivery fees, 5 times[1]

These benefits are a separate promotion linked to KT roaming, not cashback from a card. If you need KT roaming anyway, it is worth adding, but if you would subscribe to a roaming product only for the Grab discount, compare the roaming fee with the expected discount.[1]

How to Prepare for Grab Payments#

Grab Indonesia’s official information separately explains how to use a card to load GrabPay and OVO balances.[9] Before the trip, distinguish between registering a card in the app as a payment method and paying directly, and using a card to load a GrabPay or OVO balance before paying from that balance.

In Bali, first try registering the primary and backup cards in the payment-method menu of the Grab app. Keep balance loading as a separate option, and before departure, use a small amount to confirm registration, verification, and payment availability.

There is one more point to check. Grab Indonesia’s July 8, 2026 terms define a Foreign Service Fee to enable payments with credit and debit cards issued outside Indonesia.[10] A card issuer’s overseas-fee waiver does not mean that any cost that may arise from Grab itself will always be zero.

Cash Withdrawals and DCC Cautions#

It is better not to assume that every payment in Bali can be handled by card alone. Prepare a small amount of cash for small shops, markets, tips, and unexpected local payments.

At an ATM, check the following in order.

Find an ATM displaying the Mastercard or Visa logo.[6]
Enter the 4-digit card PIN. If 6 digits are requested, some cards advise appending 00 to the end of the card PIN.[6]
Usually select Savings as the account type.[6]
When asked about the currency for conversion or payment, select IDR, the local currency, or Without Conversion.[6]
Check the local operator fee displayed on the ATM screen.[6]
Check the receipt together with the actual withdrawal record.[6]

If you choose payment in KRW at an overseas merchant or ATM, the exchange rate set by the machine or merchant and additional fees may apply. Shinhan SOL Travel’s information also says that overseas transactions in KRW are not supported and instructs users to select the local currency or Without Conversion instead of KRW at an ATM.[6]

Final Selection#

As of now, the following combinations are the most practical.

Basic combination#

Travelog debit card Mastercard: IDR loading and primary payments[2]
TravelGO Visa: backup card with a different brand[11][13]
Travel Wallet VISA: backup card with a different brand[7]
Cash: Withdraw a small amount from an ATM when needed[8]

If you already have a Woori Bank account and meet the spending requirement#

Woori Wibee Travel Mastercard: Try it for overseas-payment and Grab cashback[3]
Travelog debit card Mastercard: IDR management and backup[2]
Travel Wallet VISA: Emergency backup[7]

If you already have a Toss Bank debit card#

Travelog debit card Mastercard: Primary card[2]
Toss Bank debit card: Backup card after linking the foreign-currency account[4]
Add Travel Wallet VISA if needed[7]

Rather than relying on one card, it is better to prepare 1 Mastercard + 1 Visa. Being able to switch immediately to another card when a payment is blocked in Bali matters more than a few thousand won in card benefits.

Pre-Departure Checklist#

Load a small amount of IDR onto Hana Travelog and confirm that payments work
Register the primary and backup cards in the Grab app
Check the settings for blocking overseas online payments and overseas KRW payments (DCC)
Check that the name in English on the card matches the name in English on the passport
Check the card PIN and whether overseas ATM use is enabled
Prepare 1 Mastercard and 1 Visa
Confirm that the local ATM surcharge is separate
Check the eligible KT data-roaming product and Grab Travel Pass conditions
Recheck the card product, exchange-rate preferential-rate, and promotion conditions immediately before the trip

The role of cards in Bali is not to use one card as much as possible, but rather to separate the card used to manage IDR from the card that will substitute if the first one fails. For this trip, I have centered the plan on Hana Travelog and will prepare a Visa backup card together with a small amount of cash.

Sources#

[1] https://globalroaming.kt.com/promotion/grap [2] https://qpay.hanacard.co.kr/MKCDPD7000M.web [3] https://pc.wooricard.com/ai-data/card_103489.html [4] https://www.tossbank.com/articles/checkcard-payment-fee-free [5] https://www.tossbank.com/product-service/card/check-card [6] https://www.shinhancard.com/pconts/html/card/apply/check/1225714_2206.html [7] https://docs.channel.io/travelwallet/ko/articles/%EC%B6%A9%EC%A0%84-%EA%B0%80%EB%8A%A5%ED%95%9C-%EC%99%B8%ED%99%94-%EC%A2%85%EB%A5%98%EA%B0%80-%EA%B6%81%EA%B8%88%ED%95%B4%EC%9A%94-aaa9a48b [8] https://docs.channel.io/travelwallet/ko/articles/%EC%88%98%EC%88%98%EB%A3%8C-%EB%A9%B4%EC%A0%9C%EB%90%98%EB%8A%94-ATM-%EC%A0%95%EB%B3%B4%EB%A5%BC-%EC%95%8C%EB%A0%A4%EC%A3%BC%EC%84%B8%EC%9A%94-4e3ced43 [9] https://www.grab.com/id/en/pay [10] https://www.grab.com/id/en/terms-policies/transport-delivery-logistics [11] https://app.hanamembership.com/gw/gsp/gSP00203m.do [12] https://app.hanamembership.com/gw/gsp/gSP00201m.do [13] https://app.hanamembership.com/gw/gsp/gSP00205m.do [14] https://app.hanamembership.com/gw/gsp/gSP00202m.do [15] https://app.hanamembership.com/gw/gsp/gSP00208m.do [16] https://app.hanamembership.com/gw/gsp/gSP00206m.do [17] https://app.hanamembership.com/gw/gsp/gSP00207m.do [18] https://qpay.hanacard.co.kr/MKCDCM1000M.web?CD_PD_SEQ=19264