BCA American Express Platinum

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BCA American Express Platinum

About At a Glance Travel Lifestyle & Shopping Membership Rewards Platinum Service Term & Conditions Contactless Term & Conditions

At a Glance

See the world from a Platinum Perspective

Special lodging and dining privileges, exclusively for Platinum
Access to more than 1,400 airport lounges across 140 countries and counting. with complimentary access* to Priority Pass™, American Express (including The Centurion℠ lounges) and Delta Sky Club® lounges
Bypass any minimum stay / points requirement and enjoy complimentary access into Hilton Honors Gold status
Receive 100% cashback on your Membership Rewards redemption at participating redemption merchants
Enjoy competitive foreign exchange rate and up to 24 months 0% installment for overseas transactions with Platinum

Platinum Travel

With Platinum, you’ll enjoy premium savings on flights, accommodation and car hire all around the globe.

Airport Lounge Access

When travel calls, we answer. The American Express Global Lounge CollectionSM unlocks access to more than 1,400 airport lounges across 140 countries and counting. Our unmatched worldwide coverage is made possible through our own networks, The Centurion® Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club® and Priority Pass™ Select lounges.
The American Express Global Lounge CollectionSM is an expanding portfolio of airport lounges that includes The Centurion® lounge network, Delta Sky Clubs® (when flying Delta), and hundreds of other domestic and international lounges in over 500 airports worldwide.
You deserve choices. With the American Express Global Lounge CollectionSM, we give you plenty, including access to 1,400+ airport lounges in over 500 airports around the world. Whether you’re looking for a place to rest and recharge or somewhere to catch up on work, enjoy our growing network of lounges across 140 countries and counting.

Platinum Hotel Programme

As a Platinum Card Member, you are eligible to enroll in complimentary Hilton Honors Gold elite status1

Hilton Honors, the guest-loyalty program of Hilton’s hotel brands, provides members with benefits and privileges that make their travel experience easier and more rewarding. With Hilton Honors Points and year-round Bonus offers,

members enjoy exclusive access to once-in-lifetime travel, culinary, sports, music and entertainment experiences.

Hilton Honors Gold status offers you a world of privileges and benefits2 when you book direct with Hilton, through Amex FHR, or through  global GDS.

  • Enjoy space-available room upgrades to preferred rooms at select brands.3
  • Earn reward nights faster with an 80% Bonus on all Hilton Honors Base Points you earn.4
  • Enjoy daily continental breakfast for you and up to one additional guest at select brands.5
  • Receive every 5th night free on reward stays booked with all Points.6
  • The more you stay, the more you earn - Earn 10,000 Bonus Points for every 10 nights you stay in a calendar

year, starting at 40 nights. Plus, you’ll earn an additional 30,000 Bonus Points at 60 nights.7

  • Enjoy complimentary in-room and lobby Standard Wi-Fi 
  • Check-in and choose your room prior to your stay with the Hilton Honors App.
  • Enjoy two complimentary bottles of water per stay.
  • Guaranteed Member Discount 10


Enjoy your benefits at:

  • Waldorf Astoria™ Hotels & Resorts
  • LXR Hotels & Resorts
  • Conrad® Hotels & Resorts
  • Canopy by Hilton™
  • Signia Hilton
  • Hilton Hotels & Resorts
  • Curio Collection by Hilton™
  • DoubleTree by Hilton™
  • Tapestry Collection by Hilton™
  • Embassy Suites by Hilton™
  • Hilton Garden Inn™
  • Hampton by Hilton™
  • Tru by Hilton™
  • Homewood Suites by Hilton™
  • Home2 Suites by Hilton™
  • Hilton Grand Vacations™

Guaranteed Competitive Foreign Exchange Rate & 0% Installment for Overseas Transactions

Enjoy competitive foreign exchange rate for overseas transactions with Platinum. We guarantee better value whenever you use your Card overseas. If you find a lower foreign exchange rate using other Card on the same day, we will refund you the difference. Simply convert your overseas transactions to up to 24 months 0% installment by calling your Platinum Travel Service at 1500222.

Car Rental

After enrolling in Avis Preferred, Platinum Cardmembers receive Avis Preferred Status, which provides priority service at the counter, and additional benefits when booking with their Platinum Card, including: 

  • Up to 15% off published rates
  • A one car class upgrade subject to availability


As an American Express Cardmember, enjoy special Hertz benefits when you enroll into

Hertz Gold Plus Rewards.

Hertz Gold Plus Rewards benefits:

-Priority service at the counter


Additional American Express Cardmember benefits:

-10% discount off standard rates

-One car class upgrade on rentals of 5 consecutive days or more (subject to availability)

-Free additional driver for spouse/civil partner

Cruise Partners

Explore the world and sail off into the sunset; enjoy savings and other benefits.

A cruise can take you to places of astounding beauty, history and intrigue, bringing you new experiences you might have only imagined: soaring through the Costa Rican rain forest on a zip wire; edging closer to a polar bear adrift on an ice floe; or marvelling at the tsarist treasures of St Petersburg.

Travel Protection

Boasting one of the most comprehensive travel insurance with up to IDR 5 Billion travel accident coverage and up to IDR 10 Million travel incovenience coverage.
This on top of hospital treatment fees with round the clock medical and travel assistance available anywhere.
That’s because wherever you are in the world, we’ll be there for you.

Platinum Lifestyle

The Platinum Card grants you exclusive access to an exciting lifestyle, from dining benefits to private club access, that others can only dream of.

Platinum Shopping Benefits

We partner with Indonesia’s leading premium retailer, Central Department Store, so that your shopping experience becomes a truly memorable event.
Shop with Platinum and enjoy:
  • Complimentary Central Diamond Society membership simply by showing your Card to Central Department Store Customer Service to enrol.
  • Complimentary access to Central Kids Club & Central Playground.
  • Savings of 20% on selected items.
  • 3 months 0% installment.

Membership Rewards

The rewards are just generously different with Platinum. You’ll earn 5 Membership Rewards points for every IDR 1,000 spent and your next exciting reward is never very far away. There's no earnings cap or use-by date so you can redeem your points at any time. Be spoilt for choice to redeem your points at participating Reward BCA merchant partners handpicked to suit your lifestyle, or transfer your points to Airline/Hotel partners programmes.

100% Cashback on your Membership Rewards Redemption

Exclusive to Platinum, you can redeem your Membership Rewards points at participating redemption merchants, where 1 Membership Rewards equates to IDR 1, and we will match the equivalent amount in cashback, credited directly to your account in your next billing cycle. This means a 100% cashback of your Membership Rewards points. It is one of the many ways of showing our appreciation for your membership.

                             List of participating redemption merchants:

Ace Hardware Jade Imperial Restaurant Premiere Gading
All Fresh Jakarta Fruit Market ReJuve
Best Denki Jakarta Pusat Buah Segar Rodalink
Birkenstock Javara Salad Stop
Books & Beyond Krispy Kreme Samsonite
Brastagi Supermarket Lotte Mart Shaburi
Central Department Store Matahari Department Store Shell
Coldstone Miniso Shop & Drive
Deluxe XXI Mitra 10 Smailing Tour
Diamond Supermarket NASA Starbucks
Dunkin Donuts Natural Farm Superindo
Electronic City Oke Shop Ta Wan
Familymart Onokabe The Body Shop
Global Teleshop Optik Seis The Executive
GNC Optik Melawai The Grand Duck King
Gramedia Optik Tunggal ToserbaGriya
Griya Toserba Papaya Fresh Gallery Transmart
Guardian Paradise Dynasty Urban Icon
H&M Pasar Swalayan ADA Victoria’s Secret
Häagen Dazs Pendopo Alam Sutera Wakai
Hartono Pepito Watson
Hero Pepper Lunch Wingstop
Hush Puppies Periplus Wok Noodle
Indomaret Pet Kingdom XXI Premiere
Imperial Kitchen PHD Yogya Dept. Store
Informa Pizza Hut  

Airline/Hotel Partners Programme

Effective per 1 May 2024, special rate for Membership Rewards® Points redemption to airline miles are as follows:

Membership Rewards® Points Redemption Airline Miles (Garuda Miles/KrisFlyer)

Minimum redemption 750,000 

points/customer/3 months

20.000 miles

Minimum redemption 3,000,000 

points/customer/3 months

80.000 miles

Redemption amount must be in increments of 750,000 points.
All Information is correct a time of publication as at 25 April 2024 and is subject to change without prior notice.

Cardmember can still redeem Membership Rewards® Points to airline miles with the following conversion rate:

Membership Rewards® Points Redemption Airline Miles 

22.200 poin

100 GarudaMiles

20.000 poin

100 KrisFlyer miles

Check Your Membership Reward Balance

  • Through Platinum Card Service at 1500222
  • Web bca.co.id click here
  • BCA Mobile: m-info & Info Reward BCA
  • myBCA (mobile and web version)

Platinum Concierge & Travel Service

Because no one has the inside track on absolutely everywhere on the planet, your Platinum Concierge and Travel Service is on hand 24/7 to help wherever you go.

From amazing restaurants or great nights out to cultural experiences or breathtaking sights, we can supply a little inspiration wherever you find yourself. From little flavours to finishing touches, it’s what we’re here for. Our Platinum Concierge and Travel Service is a great resource for all sorts of advice and recommendations on almost everything from flowers to fashionable places to eat; and helping to make your flights, hotels and car hire simple.

Guaranteed Competitive Foreign Exchange Rate

Enjoy competitive foreign exchange rate for overseas transactions with Platinum. We guarantee better value whenever you use your Card overseas. If you find a lower foreign exchange rate using other Card on the same day, we will refund you the difference.


Contactless feature allows for a faster and easier BCA credit card transaction at merchants using EDC. Simply tap your BCA Credit Card on a contactless enabled EDC machine, and your transaction is settled in an instant.

How to Activate Contactless Feature on BCA American Express :

  1. Make sure that your BCA Credit Card is active and has a contactless logo.
  2. The Contactless feature will be automatically activated as soon as the customer activates the card
  3. The Contactless feature on the BCA American Express is active and ready to use.

Transaction Limits

Contactless Transaction Domestic International

With PIN

<IDR 1 million

Following the applicable policies of each country

Without PIN

>IDR 1 million

Following the applicable policies of each country

Transaction Limit/day Without PIN

Following the smallest limit of either:

  • Rp10 million, or
  • In accordance with the BCA Credit Card limit

Transaction Limit/day With PIN

According to the credit card limit

Transaction Limit/day with or without PIN


  • Keep your BCA Credit Card, because BCA Contactless Credit Card can be used for transactions without a PIN.
  • If BCA Credit Card Contactless lose, block the card immediately via BCA mobile, myBCA or Halo BCA 1500888. For BCA American Express Credit Card, contact Halo BCA.
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