• Annual Fee

• Late penalty of 1.75% of the remaining bill.
• Free 1-year transaction summary fee.
• Free invoice copy request fee.
• Free replacement fee for lost or damaged cards
• Free printing and bill delivery.
• Free overlimit fee.
• The Cash Advance fee (both domestic and foreign) is 5% of the withdrawal amount or a minimum of IDR1,000,000, whichever is greater.
• Cash Advance Fee at the counter (per transaction): IDR20,000.
• Installment cancellation fee: IDR100,000.
• Cheque/Bilyet Giro rejection fee (per sheet): IDR30,000.
• Stamp fee (for bill payment > IDR5,000,000): IDR10,000.

• BCA American Express Platinum Charge Card activation can be done via SMS to 89888, Platinum Card Service, myBCA, and BCA mobile.
• BCA American Express Platinum Charge Card bill payments must be paid in full. If a partial payment is made or if payment is made after the due date, a late penalty will be applied. 
• The validity period of the BCA American Express Platinum Charge Card is 4 years.
• The Autodebit account selected by the customer when applying for BCA American Express Platinum Charge Card will automatically be used to pay bills for transactions made with BCA American Express Platinum Charge Card.
• Transactions with BCA Credit Card can be made by dipping or swiping at EDC machines and authenticated using a PIN or signature, depending on the country. You can activate your credit card PIN through the myBCA app, BCA mobile, BCA ATMs, or the official BCA website.
• For BCA Credit Card with the Contactless feature, transactions can also be made by holding the card near the EDC machine with the contactless logo. Activation of the Contactless feature can be done by performing a dip transaction at an EDC or ATM machine and entering a PIN.
• Customers can control credit card transaction settings by activating or deactivating transactions with the following details:

• Customers can request to close the BCA American Express Platinum Charge Card at branches or through Platinum Card Service. All transaction charges on the card must be paid in full by the customer in advance.
• BCA shall inform all changes to the benefits, fees, risks, terms and conditions of this Product and/or Service through any means in accordance with applicable legal provisions. 

When travel calls, we answer. The American Express Global Lounge Collection® opens access to more than 1,550 airport lounges in 140 countries and counting. We have unparalleled worldwide reach 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™ lounges.

The American Express Global Lounge Collection® is an airport lounge portfolio that includes The Centurion® lounge network, Delta Sky Club® (when flying with Delta), and hundreds of other domestic and international lounges at more than 500 airports worldwide.

You deserve a choice. With the American Express Global Lounge Collection®, we have you plenty of options, including access to more than 1,550 airport lounges. Whether you're looking for a place to rest and recharge or a place to get work done, enjoy our ever-growing network of lounges in 140 countries and counting.

Access to Priority Pass lounges is only valid for the main Platinum® Cardholder. If you're not already a Priority Pass member:

1. Fill out the form available in the BCA Platinum® Card welcome pack or download the application form on the BCA website.
2. Contact Platinum Card Service at your nearest BCA 1500222 or branch office to submit the completed and signed form.
3. Upon successful registration, you will receive:
   • Electronic membership number & password sent to registered email
   • Priority Pass Select card delivered within 45 business days
4. Download the Priority Pass app and enter your membership number to find out the location of the Priority Pass lounge in the destination country.

As a Platinum card member, you are eligible to join as a member of the elite status of Hilton Honors Gold. If you are not already a Hilton Honors member, you must register through the Hilton Honors website. Once you have obtained your Hilton Honors membership number, you can contact Platinum Card Service at 1500222 to register to upgrade your status to Hilton Honors Gold Elite Tier (make sure the name registered is the same as the name on your passport).

Hilton Honors is a loyalty program of the Hilton hotel group that offers a variety of benefits and privileges that make your travel experience easier and more enhanced. With Hilton Honors Points and bonus offers throughout the year, members can enjoy exclusive once-in-a-lifetime travel, dining, sports, music, and entertainment experiences.

Hilton Honors Gold status offers a variety of privileges and benefits when you make a reservation directly to Hilton through Amex FHR or GDS global.

• Enjoy room upgrades to selected rooms for select hotel groups.
• Get free night rewards faster with an 80% bonus of all Honors Base Points you earn.
• Enjoy a daily continental breakfast for you and one additional guest in select hotel groups.
• Earn a free stay reward for the 5th night booked with all Points.
• The more you stay, the more points you earn - Earn 10,000 Bonus Points for every 10 nights you stay in a calendar year, starting from 40 nights. In addition, you will earn an additional 30,000 Onus Points for a 60-night stay.
• Enjoy free standard Wi-Fi in rooms and lobby.
• Check in and select your room before you stay through the Hilton Honors app.
• Enjoy two complimentary bottles of water per stay.
• Member discount guarantee

Enjoy a wide range of benefits in:

• 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™

Enjoy competitive foreign exchange rates for overseas transactions with the Platinum card. We guarantee better rates every time you use your card abroad. If you find a lower foreign exchange rate using another credit card on the same day, we will refund the difference. Simply convert your overseas transactions into 0% installments for up to 24 months by contacting the Platinum Travel Service at 1500222.

As an American Express card member, enjoy Hertz-specific benefits when you sign up for Hertz Gold Plus Rewards. Get priority service at the counter for Hertz Gold Plus Rewards.

Additional benefits for American Express card members:

• 10% discount from standard rate
• Single-tier car upgrade for 5 consecutive days or more rentals (subject to availability)
• Free additional driver for couples

Explore the world and sail into the sunset; Enjoy the savings and various other benefits.

A cruise trip can take us to stunning, historic and interesting destinations, and give you unimaginable new experiences: flying through the rainforests of Costa Rica on zip wire; getting up close to polar bears floating on ice cubes; or admiring the luxury of the Tsar in St. Petersburg.

Offers one of the most comprehensive travel insurance with accident protection of up to IDR5 billion and travel inconvenience protection of up to IDR10 million. All this is beyond the cost of hospital treatment with medical assistance and round-the-clock travel available anywhere. Because no matter where you are, we're always there for you.

Shop with Platinum and enjoy BCA AMEX Exclusive Privileges at Central Department Store, Grand Indonesia.

Here is the mechanism:

• BCA American Express Platinum Cardholders are entitled to gain membership in the Central Diamond Society by presenting the BCA American Express Platinum Card to Customer Service.
• Central Diamond Society membership will be valid for 2 years from the time the BCA American Express Platinum Cardholder registers.
• Customer Service will ensure that the name on the ID card and the name of the BCA American Express Platinum Card holder are the same.
• 1 (one) BCA American Express Platinum Card only has the opportunity to get 1 (one) Diamond Society Member Card.

Especially for Platinum, you can redeem your Rewards membership points at merchant partners that accept point redemption, with a value of 1 Membership Rewards equivalent to IDR1, and the equivalent amount will be given in the form of cashback credited directly to your account on the next bill. So, you will get 100% cashback from your Membership Rewards points. This program is one of our ways to show appreciation for your membership.

For information on the list of merchants that can receive BCA Reward point redemption, please check here

Since no one knows all the places in the world, your Concierge and Platinum Travel Service is always there to help you 24/7 wherever you go.

From exquisite restaurants or exciting nightlife to cultural experiences or breathtaking scenery, we can guide you wherever you are. We've got you covered from the little things to the finishing touches. Our Concierge and Platinum Travel Services provide a wide range of advice and recommendations to cover almost everything, from flowers to charming dining venues; and helps make your flights, hotels, and car rentals easier.

Enjoy competitive foreign exchange rates for overseas transactions with Platinum. We guarantee a better exchange rate for every one of your overseas transactions. If you find a lower exchange rate using another credit card on the same day, we will refund the difference.