Omeinv's post is great
No E- visa in hand and you could be denied boarding.
Much like Australia, be careful to go to the official government site to avoid paying a bunch of unnecessary fees.
Do not worry about a return ticket. Indonesia just wants to be sure you have a way to leave. Your cruise ship is your return ticket for that purpose.
PS, you are definitely on a scam site. No bank info is required. Only a credit card to pay the fee