Get to know about Credit Card
BCA Credit Card Activation
AKT(space)KK#Credit Card Number#Date of Birth
AKT KK#1234567890123456#120675 send to 89888
e-Statement BCA is a billing information service facility that is sent directly to the cardholder’s email address. You will receive your statement on time, without any problems. It can be accessed anytime and anywhere.
Benefits of e-Statement are as follows:
Click the link below to enroll for e-Statement:
BCA Credit Card Online Facility.
BCA Credit Card PIN Application
REQ(space)KODE(space)OTENTIKASI#CARD NUMBER and send to 89888.
“BCA Credit Card Online Facility” via www.bca.co.id/creditcard.
Contact Halo BCA at 1500888
How to Pay Your Credit Card Bill
Information on BCA Credit Card Welcome Pack
Find full information about all BCA Credit Card products here: bca.id/wpkartukreditbca
The Term and Condition of BCA Credit Card
If the Card is lost, the Cardholder must immediately report the loss to Halo BCA (24-hour service) or the nearest BCA branch office (during the operating hours of such BCA branch office). If required by BCA, the Cardholder must provide a written notification of loss signed by the Cardholder in the form and substance satisfactory to BCA. The Cardholder is responsible for all existing card transactions until BCA receives the notification of loss from the Cardholder. A Card reported as lost in the notification of loss cannot be used to make any transactions. For the purpose of Card replacement, the Cardholder must provide BCA with a clear identity and will be charged a card replacement fee, the amount of which will be notified by BCA in any form and through any means according to the prevailing law. If the lost card is later found, the card must be returned to BCA.
BCA will impose on the Cardholder a late charge for any monthly balance that remains unpaid after the due date as well as interest at the then applicable rate, calculated from the transaction posting date. BCA has the right to determine the amount of the late charge and interest, which will be notified by BCA to the Cardholder in any form and through any means in accordance with the applicable law.
BCA is not responsible for any defects and deficiencies of any nature in the goods or services paid for using the Card. In the event of any dispute over the transaction relating to the goods or services, the Cardholder remains obligated to pay the amount due as specified in the Billing Statement.
If BCA receives the billing data in a currency other than the rupiah, the amount will be converted by BCA into the rupiah based on the exchange rate determined by BCA on the date such billing data are received.
The Cardholder is fully responsible for any use or misuse of the Card, whether by the Cardholder or by any other party, and must not use the Card to make transactions that are against the applicable law. All fees and charges incurred in connection with the use of the Card by the supplementary Cardholder shall be the full responsibility of the main Cardholder and the supplementary Cardholder, and therefore BCA has the right to directly claim such fees and charges from the main Cardholder and the supplementary Cardholder.
BCA has the right to determine the amount of the credit limit and the type of Card that will be provided by BCA to the Cardholder. The credit limit may be reduced or unconditionally canceled at any time by BCA. The credit limit may also be automatically canceled if the Cardholder’s collectability deteriorates to substandard (kurang lancar), doubtful (diragukan), or loss (macet). The credit limit and the type of Card that will be provided by BCA to the Cardholder, including any changes thereof (if any), will be notified by BCA to the Cardholder in any form and through any means in accordance with the applicable law.
BCA under certain considerations has the right to block the Card, terminate the use of the Card, and revoke all rights attached to the Card, among other things, if the Cardholder uses the Card to conduct any transactions/perform any acts that violate the applicable law (including the laws and regulations on Anti-Money Laundering and Counter-Terrorism Financing (AML-CTF)), uses the Card for purposes other than as a payment instrument, or if there is an indication that the Cardholder has used the Card to make cash withdrawal/swipe transactions at the Merchant, and/or if there is an indication that the Cardholder has committed other unlawful acts, or has been involved in criminal, state administrative, taxation, or civil cases.
BCA has the right to notify the Merchant of the above matters, if necessary. If the use of the Card is terminated, BCA has the right to block the Card, and the Cardholder is obliged to pay off all the outstanding amounts arising from the use of the Card to BCA immediately in full amount on the Card termination date at the latest. The Cardholder and BCA agree to waive the provisions of Article 1266 of the Indonesian Civil Code to the extent that a court decision is required to terminate an agreement, and therefore the Card termination does not need a court decision.
The PIN (Personal Identification Number) can be used by the Cardholder to make payment transactions, withdraw cash and/or make other types of transactions. Such other types of transactions will be determined and notified by BCA in any form and through any means in accordance with the applicable law. The Cardholder must maintain the confidentiality of the PIN and must not store the PIN and the Card at the same place. The Cardholder is fully responsible for the use of the PIN and any misuse of the PIN, whether by the Cardholder or by any other party.
As long as the Cardholder still has outstanding obligations to BCA in connection with the use of the main Card, the supplementary Card and/or other obligations, the main Cardholder and the supplementary Cardholder hereby authorize BCA to block and/or debit any savings account, current account, time deposit account, reward BCA balance, and/or other accounts owned by the main Cardholder and/or the supplementary Cardholder at BCA, and apply the debited amounts to discharge all of the Cardholder’s debts and obligations to BCA, including among other things, the principal, interest, penalty, court costs, and other fees and charges.
All consequences arising from the debiting of such accounts and reward BCA balance of the main Cardholder and/or the supplementary Cardholder under such authority shall be the full responsibility of the main Cardholder and the supplementary Cardholder.
If the Cardholder is a Merchant, BCA reserves the right to suspend any payment, block and/or debit the Merchant's account or set off any unpaid sum as well as its interest, penalties, and other costs and fees against the Merchant’s claims to BCA
If the Cardholder agrees to become a credit life insurance customer, BCA will charge the Cardholder for the credit life insurance premium. All the risks to be covered by the insurance company are specified in the insurance certificate and the credit life insurance policy. The insurance policy shall set out that BCA is the appointed beneficiary of the sum insured, which will be applied to settle part or all of the Cardholder's debts and obligations to BCA (banker's clause). The Cardholder hereby states that in the event of any insurance claim, the insurance company shall be fully responsible therefor. The Cardholder hereby holds BCA harmless against any responsibility for the insurance claim.
The Cardholder hereby acknowledges that all records, printouts, recordings, communication media, or other evidence in any form held by BCA connected with the transactions made by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, unless proven otherwise.
The powers and authority granted under these Terms and Conditions for BCA Credit Card are irrevocable and will not terminate for any reason, including those specified in articles 1813, 1814, and 1816 of the Indonesian Civil Code as long as the Cardholder still has outstanding obligations to BCA arising from the use of the Card.
The Cardholder hereby authorizes BCA to provide the Cobrand Partner with the Cardholder’s data and transaction data on the use of the Cobrand Card in connection with the cooperation in the issuance and marketing of the Cobrand Card.
Any complaint in connection with the Card may be lodged by the Cardholder through Halo BCA or a BCA branch office. For the purpose of handling such complaint, BCA may require the Cardholder to provide BCA with a copy of the Cardholder's identity card and other supporting documents. If the Cardholder has a complaint/objection related to any transaction printed in the Billing Statement, the complaint/objection must be lodged by the Cardholder with BCA no later than 30 (thirty) calendar days of the Billing Statement print date. BCA has the right not to deal with any complaint/objection received by BCA after the lapse of such period.
Upon the termination of the cooperation between BCA and the Cobrand Partner in the issuance and marketing of the Cobrand Card, the Cardholder hereby authorizes BCA to replace the Cobrand Card and the Cobrand Partner in accordance with the provisions applicable at BCA.
The termination of the cooperation between BCA and the Cobrand Partner in the issuance and/or marketing of the Cobrand Card shall not release the Cardholder from all of the Cardholder’s outstanding obligations arising in connection with the use of the Cobrand Card.
The Cardholder hereby agrees to comply with and to be bound by the provisions contained in the Terms and Conditions for BCA Credit Cards, the Card application form, the welcome pack, and the Card usage procedure, as well as the terms and conditions for membership of each Cobrand Partner for the Cobrand Cardholder. BCA has the right to modify the provisions contained in these Terms and Conditions for BCA Credit Cards, including but not limited to the provisions regarding interest, penalties, administration fees, credit limits, and Minimum Payment, as well as the provisions contained in the Card application form, the welcome pack, and the Card usage procedure, which will be notified by BCA to the Cardholder in any form and through any means according to the applicable law.
These Terms and Conditions for BCA Credit Cards have been adjusted to the Prevailing Laws and Regulations including Regulations of the Financial Services Authority.
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