Credit Card Application

Cicilan BCA

Convert Your Purchases To Cicilan BCA via myBCA

1. Please ensure your myBCA app has been updated to the minimum of version 1.20
2. Login to myBCA
3. Select My Account in the bottom right corner then select Credit
4. Select See Info
5. Click Convert to Installment on the transaction you want to change to installment
6. Select Installment Period, click Continue
7. Check the details, check the statement and click Continue
8. Enter PIN
9. Application to change BCA Credit Card transaction to installment has been successfully submitted

Cicilan BCA Promotions

Cicilan BCA with Low Interest

Terms and Conditions :

• Valid for all type for BCA Credit Cards
• Cicilan BCA 0% and Cicilan BCA 0.5% period valid until 31 December 2025
• Cicilan BCA 0.75% period valid until 28 February 2026
• Cicilan BCA 1.25% period valid until 31 December 2025
• Transactions that can be converted are all BCA Credit Card transactions during the period of until 31 December 2025
• Valid for a minimum transaction of IDR500,000 (Not applicable for combined transactions)
• Not valid for transaction that already converted as installment, cash advance, interest, and other fees
• No admin or provision fees
• Valid for transactions that have been recorded at BCA Credit Card database system
• Valid for transactions that are not yet due
• The amount of total transaction will reduce credit card limit

Cicilan BCA 0% for Overseas Transactions

Terms and Conditions:

• Valid for transactions that have been recorded at BCA Credit Card database system
• Valid for transactions that are not yet due
• The amount of total transaction will reduce credit card limit
• Not valid for website/e-commerce transaction
• Transactions that can be converted are all BCA Credit Card transactions during the period of until 31 January 2026

BCA Credit Card Visa Corporate

• Valid for Cicilan BCA with tenure 3, 6, and 12 months with minimum transaction IDR3,000,000
• Valid for transaction on EDC at all overseas merchant
• Valid for transactions that are not yet due and have been recorded at BCA Credit Card Visa Corporate database system
• The amount of total transaction will reduce credit card limit
• Convert your credit card transaction into Cicilan BCA 0% through:
• SMS ‘Cicilan’ to 89888
• Contact Halo BCA 1500888 or via call feature on haloBCA mobile application

Cicilan BCA - Education

Mechanism:

Terms and Conditions:

• Valid until 31 August 2025
• Minimum transaction IDR500,000
• Valid for all BCA Credit Cards
• The amount of total transaction will reduce credit card limit
• Valid for partnered schools/universities see tabel here
• Convert your credit card transaction into Cicilan BCA 0% and 0.5% through:
• School/University that have partnered with BCA
• SMS “Cicilan” to 89888
• Contact Halo BCA 1500888 or via call feature on haloBCA mobile application
• Submission of transaction changes to Cicilan BCA through EDC BCA will be approved immediately if the credit card limit is sufficient

Cicilan BCA - Hospital

Mechanism:

Terms and Conditions:

• Valid until 31 March 2026
• Valid for all BCA Credit Cards
• The amount of total transaction will reduce credit card limit
• Valid for Indonesian hospitals with transaction descriptions containing the words "Rumah Sakit" or "RSK" or "RSIA" or "RS" or "Hospital"
• Convert your credit card transaction into Cicilan BCA 0% and 0.75% through:
• SMS “Cicilan” to 89888
• Contact Halo BCA 1500888 or via call feature on haloBCA mobile application
• Submission of transaction changes to Cicilan BCA through EDC BCA will be approved immediately if the credit card limit is sufficient

Click here for more information on Cicilan BCA

Reward BCA

Earn Reward BCA for transactions made with BCA Credit Card:

As an illustration, when a Cardholder spent IDR500,000 with BCA Card Platinum Credit Card, Cardholder will earn IDR1,500 Reward BCA (0.3% x IDR500,000).

Important Notice

• In the event that any transaction is voided/cancelled/disputed, BCA reserves the right to cancel and void any Reward BCA awarded to Cardholder.
• Cash advance and credit card fees will not be eligible for Reward BCA earning.
• Effective 12 August 2024, payment transactions for donation-related categories (including social services), government services (including tax payments, customs, immigration fees, and BPJS), as well as utility payments such as electricity, water & gas, and other transactions classified under Merchant Category Codes (MCC) 8398, 9211, 9222, 9311, 9399, 4900, 8661, 9223, 9402, and 9405, will no longer be eligible to earn Reward BCA/KrisFlyer miles/Blibli Tiket Rewards/Blipay when using BCA Mastercard or BCA Visa Credit Cards. Transactions using BCA Credit Card with BCA Card Logos, BCA JCB Black, BCA UnionPay, or BCA American Express Platinum cards will continue to be eligible for earning Reward.
• Effective 23 September 2025, Prudential insurance payments made using BCA Mastercard or BCA Visa credit cards will no longer be eligible for Reward BCA/KrisFlyer miles/Blibli Tiket Rewards/Blipay. Transactions using BCA Credit Card with BCA Card Logos, BCA JCB Black, BCA UnionPay, or BCA American Express Platinum cards will remain eligible to earn Reward.

Check your Reward BCA balance in myBCA:

• Choose 'Akun Saya'
• Reward BCA, Reward AMEX, and Reward UnionPay will appear in the 'Reward' menu
• Choose 'Reward' for detailed information

Click here for more information on Reward BCA.

Credit Card Control

For the comfort and security of Kartu Kredit BCA transaction, make use of the Credit Card Control feature to control credit card transaction.

The following types of transactions can be managed through the Credit Card Control feature:

• Domestic transaction
• International transaction
• Contactless transaction
• E-commerce transaction

How to Control Credit Card on myBCA

1. Log in to myBCA
2. Tap Settings in the upper-right corner
3. Select Credit Card
4. Choose the Credit Card you want to manage
5. Tap Credit Card Control
6. Select the type of transaction you want to enable or disable
7. Review the details, then enter your Transaction PIN to confirm
8. A notification will appear once the Credit Card Control is successfully updated

Contactless Feature à Dropdown

When transacting at merchants, the cashier does not need to hold your BCA Credit Card, personal information like card number, card validity and 3-digit CVV are kept confidential and transactions can be carried out faster without a PIN.

How to Activate Contactless Features

How to Control Credit Card Contactless Transaction

How to Control Credit Card Contactless Transactions on BCA mobile

1. Login to m-BCA, then select m-Admin
2. Select "Kontrol Kartu Kredit"
3. Select one of the Credit Cards, then select "Send"
4. Activate the Contactless transaction toggle to open transaction access, or deactivate the toggle to close transaction access. Then select the "Send"
5. Select the "OK" button on the confirmation screen, then enter the m-BCA PIN
6. Transaction access setting is successful

How to Control Credit Card Contactless Transactions at myBCA

1. Log in to myBCA.
2. Select Settings icon in upper right corner.
3. Select Credit Card.
4. Select credit card you want to set up.
5. Select Credit Card Control, then make sure Contactless Transactions are active.
6. A confirmation screen will appear. Enter Transaction PIN for verification.
7. Credit Card Transaction Control has been successfully completed.

You can do Credit Card contactless transactions on public transportation*) abroad without activating the contactless feature.

*) Such as Mass Rapid Transit (MRT) in Singapore, Express Rail Linkin Malaysia, The Bangkok Mass Transit System, Public Transportation in Australia (Trains, Trams, Buses, Translink, Transperth), GVB Amsterdam (Metros, Buses, Trams, Ferries), Mass Transit Railway (MTR) in Hongkong, Public Transportation in the United Kingdom (Bus, Translink, Metrolink), Riyadh Bus in Saudi Arabia, Public Transportation in Turkey (Bodrum Express Lines, Burulas, Havaist), etc.