BCA - BCA - Installment

Convert Your Purchases into Cicilan BCA

At all merchants with Cicilan BCA sign
Type cicilan, send SMS to 69888
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
- Make sure Kartu Kredit BCA is connected with BCA mobile at “m-Admin” menu)
Contact Halo BCA 1500888 & Fill the form here

Cicilan BCA for Overseas Transactions

BCA Card

Installment tenors of 3, 6 and 12 months
Minimum transaction of IDR 500,000
Only valid for EDC transactions at participating merchants in Singapore

BCA Visa Black/Mastercard Black /JCB Black

Installment tenors of 3, 6 and 12 months
Minimum transaction of IDR 3,000,000
Only valid for EDC transactions at all overseas merchants

BCA Visa/Mastercard

Installment tenors of 3 and 6 months
Minimum transaction of IDR 3,000,000
Only valid for EDC transactions at all overseas merchants

BCA American Express Platinum

Installment tenors of 3, 6, 12, 18 and 24 months
Minimum transaction of IDR 3,000,000
Only valid for EDC transactions at all overseas merchants

BCA UnionPay

Installment tenors of 3 and 6 months
Minimum transaction of IDR 1,000,000
Only valid for EDC transactions at all overseas merchants

Terms and Conditions:

Transactions that can be converted are transactions performed overseas during the period of until 31 January 2024 (except BCA American Express Platinum)
Valid for transactions that have been posted at BCA Credit Card system
Valid for transactions that are not yet due
Submission for conversion of Overseas Transactions into 0% Cicilan BCA can be made through:

SMS “Cicilan” to 69888
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:

Performed manually by request (non-EDC).
Valid for a minimum transaction of IDR 500,000

Submission for conversion of Low Interest Cicilan BCA into 0.75% Cicilan BCA can be made through:

Contact Halo BCA at 1500888
Via BCA mobile

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 2023.
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 69888

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 2023.
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 69888
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