• Annual Fee

Card Types	Basic Card	Supplementary Cards
BCA JCB Black	IDR450,000	IDR250,000

• 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 (both domestic and foreign) 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.

• Minimum Credit Limit for Basic and Supplementary Cards

Card Types	Basic Card	Supplementary Cards
BCA JCB Black	IDR20,000,000	IDR5,000,000

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

• Transaction Limit for BCA JCB Black

Transaction Type	Limit
Contact (EDC)	As per the available credit limit
Contactless with PIN	As per the available credit limit
Contactless without PIN	The maximum transaction amount according to the provisions in each country where the transaction is made, in Indonesia applies to a maximum of IDR1,000,000 The initial daily limit is IDR10,000,000 or according to the credit card limit (following the smallest nominal). The daily transaction limit can be set by customers through myBCA/BCA mobile up to IDR200,000,000 or according to the credit card limit (following the smallest nominal).
E-commerce	As per the available credit limit
Cash Advance (ATM)	20% of the credit limit

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

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

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

Interest calculation:

• 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 4 years.
• 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. The Contactless feature on the BCA JCB Black Credit Card is available immediately.
• 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. 

Enjoy Airport Lounge facilities in Japan, Asia (Singapore, Thailand, South Korea, Taiwan), Europe (Germany, UK), China, and Hawaii by presenting your BCA JCB Black card and informing the staff at the lounge entrance that you wish to use the LoungeKey™ service (especially for Airport Lounges in Asia, Europe, and China)

Here are the details of LoungeKey's service information:

1. Customer presents the boarding pass, passport, and BCA JCB Black Credit Card.
2. Boarding Pass or flight ticket & passport must be in the same name as the name of the BCA JCB Black Credit Card holder.
3. Lounge facilities are non-transferable.
4. Maximum of 8 lounge visits per year per card for LoungeKey™ facilities.
5. Guests accompanying you will be charged an extra USD35 per person for LoungeKey™ facilities.
6. Using the facility more than 8 times per year will result in an extra charge of USD35 per person.
7. Additional charges will appear on the billing statement "LOUNGEKEY.COM" with a description of the Hong Kong location.
8. Especially for lounge facilities in Japan and Hawaii, the maximum lounge visits are 6 times per year per card.
9. Additional fees for exceeding 6 times per year will vary according to the terms of each Japan & Hawaii lounge.

For more information, see here.

• Valid for accumulated transactions on selected train and bus routes
• Maximum cashback of 1,000 JPY/card/period
• Only applicable for contactless transactions
• Cashback will be credited to the billing statement within a maximum of 2 months after the program ends
• Valid for payment with BCA Credit Card JCB Black
• Promo period valid until 30 Jun 2026