BCA - BCA - Installment

Convert Your Purchases into Cicilan BCA

At all merchants with Cicilan BCA sign
Type cicilan, send SMS to 89888
Via BCA mobile (m-Info menu then Access Transaksi dan Tagihan)
- Make sure the financial transactions in BCA mobile is activated at BCA Branch Office or Halo BCA
- Make sure Kartu Kredit BCA is connected with BCA mobile at “m-Admin” menu)
Contact Halo BCA 1500888

Cicilan BCA 0% for Overseas Transactions

BCA Amex Platinum Card

0% BCA Installment is applicable for 3, 6, 12, 18, and 24 months tenors
Applicable for a minimum transaction of Rp3,000,000
Valid for transactions through EDC at all overseas merchants
Not valid for purchases/transactions on websites
Transactions that can be changed are transactions made at EDC abroad until 31 December 2023
Request for changing overseas transactions to 0% BCA Installment can be made via:
- SMS "Cicilan" to 89888
- Contacting HALO BCA Priority at 1500222

BCA Card Credit Card (only for transactions in Singapore)

0% BCA installments 3, 6, and 12 months
Minimum transaction IDR500,000
Only valid for transactions on NETS network EDC machines

Credit Card BCA Visa/ Master Card/ JCB/ Unionpay

0% BCA installments 3, 6, and 12 months
Minimum transaction IDR3,000,000
Valid for transactions at EDC machines at all overseas merchants

Terms and Conditions:

Valid for transactions that have been recorded in the BCA Credit Card system
Valid for billing transactions that are not yet due
Submission of changes in Overseas transactions to 0% BCA Installments can be made through: SMS “Cicilan” to 89888 or contact Halo BCA at 1500888

Cicilan BCA with Low Interest

INTEREST	TENOR	TYPE OF BCA CREDIT CARD
0.5%/Month	12 months	BCA Everyday Card
0.75%/Month	12 months	All types of BCA Credit Card (except BCA Everyday Card)
0.75%/Month	15, 18, 21, 24 and 36 months	All types of BCA Credit Card
1.25%/Month	3, 6 and 9 Month	All types of BCA Credit Card

Terms and Conditions:

Transactions that can be converted are all BCA Credit Card transactions during the period of until 29 February 2024.
Valid for a minimum transaction of IDR 500,000.
No admin or provision fees
Valid for transactions that have been recorded at BCA Credit Card database system
Valid for transactions that are not yet due
Terms for 36-month Low Interest BCA Installment:

Available upon manual request (non-EDC), via BCA mobile, and Halo BCA
Valid for a minimum transaction of IDR 500,000

Cicilan BCA - Education

Mechanism:

Tenor	Interest
3 months	0% /month
6, 12 and 15 months	0,5% /month

Terms and Conditions:

Program Period until 31 August 2024.
Valid for a minimum transaction of IDR 500,000 (no maximum transaction if the credit limit is sufficient)
Valid for all types of BCA Credit Cards
Valid for partnered schools/universities, see more
Submission for conversion of Cicilan BCA for Education transactions into 0% Cicilan BCA can be made through:

1. School/University that have partnered with BCA

2. SMS “Cicilan” to 89888

3. Contact Halo BCA at 1500888

Cicilan BCA - Hospital

Mechanism:

Tenor	Interest	Mechanism
3 months	0% /month	Minimum transaction of IDR 3,000,000
6, 12 and 15 months	0,75% /month	Minimum transaction of IDR 500,000

Terms and Conditions:

Program Period until 31 March 2024.
Valid for all types of BCA Credit Cards
Valid for Indonesian hospitals, with transaction descriptions containing the words "Rumah Sakit" or "RS" or "Hospital"
Submission for conversion of Cicilan BCA for Hospital transactions into 0% Cicilan BCA can be made through:

SMS “Cicilan” to 89888
Contact Halo BCA at 1500888

Terms for Installment Cancellation

Early Cancellation of Installment transactions will be subject to a penalty fee of IDR 100,000 per transaction.
Cancellation of Special Installment transactions for the Free Installment Promo will be subject to a penalty fee of 100,000 + the entire remaining installment bill + the amount of the free installment promo.

Become an Installment Merchant

To participate as a Cicilan BCA merchant, merchants can send an email to: layanan_fdm@bca.co.id, by attaching the Installment Program Submission Data.

FEES AND LIMIT

Simulation of Monthly Installment Calculation

Installment interest of 1.25% for tenors of 3, 6 & 9 months valid from 19 March 2012

Transaction Value	Period
Transaction Value	3-Month Tenor 1.25%	6-Month Tenor 1.25%	9-Month Tenor 1.25%
500,000	172,917	89,583	61,806
1,000,000	345,833	179,167	123,611
2,000,000	691,667	358,333	247,222
3,000,000	1,037,500	537,500	370,833
5,000,000	1,729,167	895.833	618,056

Monthly Installment Calculation

Price of goods + (price of goods x interest x period)
Period