By visiting this site , you have agreed the using of cookies .

Website ini terbaik dilihat dengan browser Internet Explore 11, Google Chrome 48, Mozilla Firefox 43, atau yang terbaru.

BCA Card Platinum

img logo

BCA Card Platinum

About Fees, Limits & Interest Rates Important Information Special Offers

About

Key Features

  • Can make transactions at BCA merchants (online and offline) and at BCA ATMs
  • BCA Installment is available.
  • Earn bigger Reward BCA.
  • Enjoy complimentary beverage at Starbucks in selected airports in Indonesia. More info click here

Benefits

  • Earn Reward BCA on every transaction (excluding cash advances and credit card fees). Reward details are as follows.

    • Card Types

    Nominal reward given per transaction

    Reward Units

    BCA Card Platinum*

    0,3%

    Rupiah (Reward BCA)

    Remarks:
    *)Reward BCA is redeemable in participating merchants.

  • Get attractive offers when shopping at many offline and online merchants, including restaurants, fashion outlets, online travel services, marketplaces, and other selected merchants.
  • Customers may receive information and offers related to BCA products and services.
  • Access additional facilities, such as Autopay, Autodebit, BCA Credit Life, Travel Accident Insurance, and BCA Travel Service.

Risks

  • Delays in bill payments result in late fees and impact debtors' ability to pay.
  • Customers are billed if they speed up the payment of transaction installments.
  • Misuse of cards, PINs, passwords, OTPs, and User IDs/BCA IDs due to customers’ negligence.

Requirements and Procedures

  • BCA Credit Card applications can be submitted by visiting the nearest BCA branch, stopping by the booth stand (direct sales), or contacting BCA sales. Applications can also be submitted online via the BCA Webform, eBranch BCA app, VIRA, and BCA telemarketing.
  • Eligible applicants for the BCA Credit Card are:
  • Indonesian citizens or foreigners who reside in Indonesia.
  • Minimum age 21 years/married and maximum 65 years for basic card applications; minimum 17 years for supplementary card applications.
  • Minimum income of IDR3,000,000 per month.
  • Submitting the required documents, including:

Documents

Status

Entrepreneur

Employees

Doctor/ Notary

Foreigner

Housewives

Copy of ID Card

✓

✓

✓

  

✓

Copy of Passport

*

*

*

✓

*

Copy of KITAS

      

✓

  

Income Statement (Salary Slip/Tax Return/Income Certificate from the company)

  

✓

  

✓

  

Copy of Current Statement/Savings Account for the Last 3 Months

✓

  

✓

  

✓

Copy of Practice License

    

*

    

Copy of Company Deed of Establishment/SIUP

*

        

Copy of Credit Card Bill for the Last 1 Month/Copy of Credit Card

*

*

*

  

*

Copy of NPWP**

✓

✓

✓

✓

✓

Note:

Required documents
* When needed
** For credit card applications with a credit limit of ≤ IDR50,000,000, if you do not have an NPWP, you must fill out a statement of not having an NPWP.

Fees, Limits & Interest Rates

Fees

  • Annual Fee

    • Card Types

    Basic Card

    Supplementary Cards

    BCA Card Platinum

    IDR125,000

    IDR100,000
  • The penalty is 1% of the total bill and will not exceed IDR100,000
  • Request a summary of the 1-year current transaction: IDR100,000.
  • Requesting a copy of the invoice: IDR30,000.
  • Replacement fee for lost or damaged cards: IDR50,000
  • Request for printing and bill delivery: IDR10,000.
  • Overlimit fee: IDR40,000
  • The Cash Advance fee (domestic) is 4% of the withdrawal amount or a minimum of IDR40,000, whichever is greater.
  • Cash Advance fee at the counter (per transaction): IDR20,000.
  • Installment cancellation fee: IDR100,000.
  • Stamp Fee (for bill payment > IDR5,000,000): IDR10,000.

Limit

  • Minimum Credit Limit for Basic and Supplementary Cards, Effective 4 June 2026, minimum credit limit for BCA Card Platinum Credit Card annual fee adjusted to:

Card Types

Basic Card

Supplementary Cards
 

BCA Card Platinum

IDR50,000,000

IDR5,000,000

Note: Credit limit will be determined based on the results of the BCA analysis.

  • Transaction Limit for BCA Everyday Card

Transaction Type

Limit

Contact (EDC)

As per the available credit limit

E-commerce

As per the available credit limit

Cash Advance (ATM)

20% of the credit limit

Interest Rates

Cash withdrawal and shopping transactions accrue interest at 1.75% per month, in accordance with Bank Indonesia regulations.

Simulation

Calculation of the statement date of April 1, 2024, and the maturity date of April 17, 2024.

Posting Date

Description

Amount

1 March 2024

Previous Balance

IDR0

5 March 2024

Transaction I

IDR1,250,000

16 March 2024

Transaction II

IDR1,750,000

New Billing

IDR3,000,000

Account date (statement cycle): May 1, 2024; interest calculation when making minimum payment (payment date: April 17, 2024)

Posting Date

Description

Amount

1 April 2024

Previous Balance

IDR3,000,000

8 April 2024

Transaction I

IDR500,000

24 April 2024

Transaction II

IDR750,000

17 April 2024

Payment (Min. 5% x IDR3,000,000)

(IDR150,000)

Interest

IDR87,740

New Billing

IDR4,187,740

Interest calculation:

Jenis Transaction

Interest Period (from transaction date to statement date)

Amount Transaction

Interest Rate

Interest Calculation Formula

Total Interest

Transaction I

5 March 2024 – 16 April 2024 (43 days)

IDR1,250,000

1.75%

Amount × monthly rate × 12 months × (days/365)

IDR30,925

Transaction II

16 March 2024 – 16 April 2024 (32 days)

IDR1,750,000

IDR32,219

Previous Outstanding Balance

17 April 2024 – 1 May 2024 (15 days)

IDR2,850,000

IDR24,596

Total

IDR87,740

Important Information

Additional Information

  • BCA Credit Card activation can be done via SMS to 89888, Halo BCA, myBCA, and BCA mobile.
  • Minimum payment of 5% of the total bill.
  • The validity period of the BCA Credit Card is as stated on the card. For more information, please refer here.
  • 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.
  • Customers can control credit card transaction settings by activating or deactivating transactions with the following details:

    • Transaction Type

    Remarks

    Facilities

    Domestic transactions

    BCA Credit Card transactions made through ATMs, EDCs, and other transaction terminals in Indonesia.

    myBCA and BCA mobile

    International transactions

    BCA Credit Card transactions made through ATMs, EDCs, or other transaction terminals abroad.

    E-commerce transactions

    BCA Credit Card transactions made online or through e-commerce merchants.

    Contactless transactions

    BCA Credit Card transactions made using the contactless method through EDC and other transaction terminals with the contactless logo.
  • Customers can request closure of their BCA Credit Card at branches or via Halo BCA. All transaction charges for BCA Credit Card transactions must be paid in advance by the cardholder.
  • 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. 

Summary of Product & Service Information

BCA Credit Card Product/Service Information Summary
Get the Product/Service Summary Information via the link below.
Download PDF

Terms and Conditions

Terms and Conditions for BCA Credit Cards
Review the Terms and Conditions of this product/service via the link below.
Download PDF

Special Offers

Get Cashback IDR500,000 & First Annual Year Fee Waiver

Get Cashback IDR500,000

  • Valid for BCA Credit Card Everyday Card, BCA Card Platinum, BCA JCB Black, BCA UnionPay, BCA Blibli Mastercard, BCA tiket.com Mastercard, BCA Mastercard Globe, BCA Visa Batman, BCA Visa Black, and BCA Visa Singapore Airlines application
  • Spend minimum IDR1,000,000 on retail transactions (online and offline) within the first month of card approval
  • Cash advances, interest charges, and fees are not eligible

First Annual Year Fee Waiver

  • Applicable for new approved Main Cards with a maximum of 2 cards
  • Applicable for all types of BCA Credit Cards, except BCA Mastercard World, BCA Singapore Airlines Visa Infinite, and BCA American Express Platinum Card
  • Annual fee waiver applies from the date the credit card is approved
  • For BCA Singapore Airlines Visa Infinite cards, the annual fee waiver only applies to BCA Prioritas & Solitaire

Other terms and conditions:

  • Valid for new applications (customers who have never had a BCA Credit Card) through the BCA Online Application facility, using the “Online Application Service” menu on the BCA website or myBCA application
  • Valid for applications for all types of BCA Credit Cards shown on the Online Application menu
  • Cashback will be given in the form of a BCA Credit Card billing deduction with a nominal value according to the card level
  • Cashback is credited to the customer no later than 2 months after fulfilling all requirements
  • Not applicable for new applications

Credit Card Promo

All Promo
img logo

Apply BCA Card Platinum

Apply Now

Learn more about the

BCA Platinum Card

View other BCA credit cards

Credit Card Options
;

Anda akan meninggalkan BCA.co.id

Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin memiliki tingkat sekuriti yang berbeda. BCA tidak bertanggung jawab dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan ketersediaan dan perspektif atas produk-produk atau layanan-layanan yang ditawarkan atau dinyatakan oleh website tersebut.

Lanjutkan Batal