Untuk tampilan sempurna aktifkan Javascript pada browser Anda
For a better experience on www.bca.co.id, enable JavaScript in your browser
Smartcash Account - Credit Card - Individual - bca.co.id

BCA Smartcash Account
BCA Smartcash

As a leading entrepreneur, being able to easily conduct business transactions is everything. The BCA Smartcash Card is the key. It is as easy as using credit cards and funds are available for you to fulfill all your business needs.

How it Can Facilitate your Company:
  • Daily interest rate of1.8% effective/ month
  • Flexible usage and payments*
  • Free of administration fees and provision
  • Competitive daily interest rates
*) Note : as additional working capital loan without collateral

With Smartcash Distributor Financing, obtain facilities to your advantage in order to realize your company’s objectives and expand your business.

Easy 3 Step Process!

  • Contact your distributor
  • Fill in the application & submit the necessary documents
  • Your BCA Smartcash Account has been approved & funds are ready to use
Need to Know

In order to enjoy the benefits that Smartcash Distributor Financing offers your business , the Retailer only needs to fulfill the following requirements:

  • You are an Indonesian Citizen (WNI) living in Indonesia.
  • You are at least 21 years of age and maximum 65 years of age.
  • You have a monthly business turnover of at least Rp 30,000,000 with a business that has been running for at least two years.
  • Authentic documents from the distributor.
  • Submit all the necessary documents:

    Document / Status Entrepreneur Professional
    Photocopy of ID (KTP)/Passport
    Photocopy of Savings / Giro account from the last 3 months
    Photocopy of License
    Photocopy of Certificate of Incorporation, SIUP, TDP & Tax ID Number (NPWP)
    Photocopy of Credit Card Billing Statement for the last 3 months (if available)
  • NPWP is mandatory for loans with a credit limit of Rp. 100 million

You can easily run your business only by paying the card fees as follows:

Type of Payment Fee*
Yearly Fee
- Credit Limit Rp. 10 million - Rp. 50 million
- Credit Limit Rp. 50 million - Rp. 100 million

Rp 250,000
Rp 500,000
Overlimit Rp 40,000
Minimum Payment 10% from the total monthly billing or minimum Rp 50,000**
Late Charges 5% from the minimum payment or Rp 20.000**

* BCA has the right to alter the above fees through notification that can be delivered in any form by any means.

**Depends on which amount is greater.

Smartcash Distributor Financing working mechanism is very easy for you to follow:
  1. The Retailer orders products from you as the distributor
  2. You only need to send the retailer transaction data to BCA in order to obtain confirmation
  3. You send the products to the retailer
  4. You will receive payment from BCA
  5. The Retailer will own a BCA Smartcash account (virtual account) to guarantee the transaction is only with you as a distributor
  6. The Retailer can pay BCA at any time, before or after receiving the billing statement(Credit Card account)

BCA Promo | Download Form | Credit Simulation | Online Application | Investor Relations | Currency & Interest Rate | Fee & Limit | BCA Location