BCA UnionPay

About

Key Features

Can make transactions at BCA merchants (online and offline) and at BCA ATMs or ATMs with the UnionPay logo.
Can make contactless payments (for cards that already support contactless payments).
BCA Installment is available.
Competitive exchange rates for transactions in Singapore Dollar (SGD), Hong Kong Dollar (HKD), Chinese Yuan (CNH), and New Taiwan Dollar (NTD).

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 UnionPay*	IDR10,000 = 1 UnionPay Points	Point

Remarks:

*) UnionPay Points are redeemable in participating merchants.

Get an initial bonus when you apply for the card for the first time (not valid for additional cards or re-opening/second submissions), along with extra bonus rewards each month. Details about the initial bonus and extra rewards are as follows:

Card Types	Initial Bonus
BCA UnionPay	5,000 UnionPay Points for every accumulated spending of IDR5,000,000 within 3 months from the card issuance date.

Earn double BCA UnionPay Points for retail transactions in Singapore, Hong Kong, China, and Taiwan.

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 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
Documents	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 UnionPay	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: IDR 100,000.
Requesting a copy of the invoice: IDR30,000.
Replacement of a lost or damaged card: 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.

Limit

Minimum Credit Limit for Basic and Supplementary Cards

Card Types	Basic Card	Supplementary Cards
BCA UnionPay	IDR3,000,000	IDR1,000,000

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

Transaction Limit for BCA UnionPay

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

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 (Minimum Payment: 5% x IDR3,000,000)	(IDR150,000)
Interest		IDR87,740
New Billing		IDR4,187,740

Interest calculation:

Transaction Type	Interest Period (from transaction date to statement date)	Transaction Amount	Interest Rate	Interest Calculation Formula	Total Interest
Transaction I	5 March 2024 – 16 April 2024 (43 days)	IDR1,250,000	1.75% per month	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

Customers can connect their BCA UnionPay Credit Card to Alipay and Weixin Pay.
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. 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:

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

Terms and Conditions