Tips to Manage Finances for Travel Lovers

Who doesn’t like traveling? If traveling is your hobby, it’s crucial to manage your finances to prevent you from going bankrupt in the future.

Even though you still cannot travel freely due to the pandemic, there is nothing wrong with managing your finances so that when the time comes, everything is ready. For example, you can prepare a separate budget or gather other necessary items for your trip.
Here are a few ways to manage your finances if you like to travel:

Set Aside Your Salary
You must do this after receiving your salary if you plan to travel somewhere. Set the division using the 50-30-20 formula; 50% for daily needs, 30% for investment, and 20% for hobbies such as traveling. Everyone has a different calculation, so use the calculation formula according to each personal profile.

Prepare the Travel Plan
After deciding on your destination, make a travel plan to help you allocate the time and costs. An itinerary allows for greater detail in every aspect of planning, from the transportation mode to the cost of lodging per night. Plan ahead to purchase souvenirs for your family and friends.

Opt for Free Tourist Attractions
This is one method that could be on your list of travel options. Numerous tourist attractions are free to enter. Museums, beaches, and other natural attractions are good examples. Typically, a tourist destination that is less often visited and has not yet become commercialized does not draw as many people. Not only is it not crowded, but usually there are also no fees.

Buy Tickets Online
With the current technology, we can easily benefit from online marketplaces to purchase anything—from food to goods to plane tickets. These platforms offer online ticket purchases at low prices and easy transactions.

Take Advantage of Credit Card Promotions
If you can make the most use of your credit card, you can receive numerous advantages. One of them is the abundance of promotions from different retailers cooperating with the bank.

Typically, banks offer a variety of credit cards with features and capabilities tailored to specific needs, such as for people who enjoy traveling, shopping, and collection points. Along with finding a credit card that meets your needs, it’s critical to consider the generally available features, such as simplicity of payment, checking limits, and, of course, how to apply.

The PermataBank-issued AirAsia Platinum Credit Card is a ‘magic’ card appropriate for those who like to travel. In addition to the easy application process that you can complete by using the PermataMobile X mobile banking app, this credit card offers numerous additional advantages:

• PermataMobile X makes things easier for you, from applying for a credit card, checking bills and limits, converting transactions into installments, and payments, to registering additional cards.
• Up to 3,000 Welcome Points with accumulated spending of IDR 2,000,000 in the first 90 days since your AirAsia Platinum Credit Card is approved.
• Priority access such as check-in, boarding, and Xpress baggage.
• Automatic upgrade to BIG Loyalty Platinum Membership.
• Get seven times BIG Points for every flight transaction of a minimum of IDR 10,000 on the AirAsia website and mobile app and 1 BIG Point for every purchase of a minimum of IDR 10,000 with a maximum of 500 BIG Points per transaction.
• 0% installment for three months for hotel, airline, and travel transactions.
• The first year’s annual costs for the primary card and five extra cards are waived, and you can take advantage of many appealing promotions at different retailers, such as discounts and installment plans.
• PermataKartuKredit transactions are safer and more convenient with notifications directly on your phone.

One notable benefit of this credit card is the BIG Points. You can use these BIG Points to purchase items or services from AirAsia, including flight tickets, accommodations, and other deals. You can check immediately on the AirAsia website or get in touch with Ask BIG if you have any questions. 

This list of benefits also includes the ability to apply for credit cards online in addition to offering BIG Points. All you need to do is download PermataMobile X, navigate to the PermataStore menu, add the ‘AirAsia Platinum Credit Card’ to your cart, and then follow the application process.

Some might ask, what are the conditions and procedures for obtaining this AirAsia Platinum Credit Card? Age restrictions range from 21 to 65 for primary cards and 17 to 65 for extra cards. Other requirements include having a minimum monthly income of IDR 3,000,000, photocopies of your ID card and NPWP, proof of income, and copies of other credit cards.
So, are you ready to apply for the AirAsia Platinum Credit Card and begin earning BIG Points?