I tend to use cash most of the time as I'm never all that sure about the security of electronic transactions here (paranoid?), but this might well provide a solution.
https://www.techinasia.com/17-emoney-options-indonesia/
That way you can control the available balance, so able to use the card for larger transactions, but have little risk of losing much if someone tries a rip off job on you.
Opinions about these, and card fraud in Indonesia????