Easy transaction using credit card without administration, provision and cash withdrawal fee
Broad network
Ease of transactions such as cash advances (cash withdrawals and transfers) at BCA branches and all BCA ATMs as well as retail transactions at various BCA merchants
Competitive interest rate
Competitive interest rate calculated daily
BCA Smartcash
BCA Smartcash card is the key, as easy as using credit card, also available for large number of loan to fulfill every business needs
Can be used for transactions at BCA merchants/ATMs with contact method and BCA e-commerce Payment Gateway.
Cash advance transactions (cash withdrawals) can use 100% of the card limit.
BCA installment facility is available.
Benefits
Transactions can be done cashless, fast, and easy.
Customers can add alternative payment methods to support their business activities.
Customers can obtain information and offers related to bank products and services.
Get additional facilities such as Autopay, Autodebet, 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 made offline by visiting the nearest BCA Branch, coming to a booth stand (direct sales), or by being contacted by BCA sales. Applications can also be made online through BCA telemarketing by filling in personal data at https://webform.bca.co.id/applycc.
Meet the application requirements for BCA Smartcash Credit Card, which are:
Individual
Indonesian citizen residing in Indonesia.
Minimum age 21 years and maximum 65 years.
Minimum income Rp30,000,000,- per month.
SLIK data reported as current/smooth.
Merchant
Has an ongoing business or has been a BCA merchant for a minimum of 2 years.
Minimum turnover Rp100,000,000 per month.
Is an active merchant and not a cash swipe merchant.
Has a Savings/Current Account at BCA.
Merchant’s business area is in Jadetabek (Jakarta, Depok, Tangerang, and Bekasi).
Submit the required documents, including:
Photocopy of e-KTP
Photocopy of NPWP*
Photocopy of Savings/Current Account statement for the last 3 months (required if the active account used by the applicant is other than BCA)
Note: *For credit card applications with a credit limit ≤ Rp50,000,000,-, if you do not yet have an NPWP, you must fill out a statement declaring that you do not have an NPWP.
Fees, Limits & Interest Rates
Fees
Annual Fee
Card Types
Card Limit IDR10-50 million
Card Limit >IDR50-250 million
BCA Smartcash
IDR250,000
IDR500,000
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
Free Cash Advance fee.
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
Credit Limit for BCA Smartcash
Customers Type
Credit Limit
Retail Customer
IDR10,000,000 s.d IDR100,000,000
Merchant Customer
IDR50,000,000 s.d. IDR250,000,000
Note:
The credit limit will be granted based on BCA’s analysis.
Transaction Limit for BCA Smartcash
Transaction Type
Limit
Contact (EDC)
As per the available credit limit
BCA e-Commerce Payment Gateway
As per the available credit limit
Cash Advance (ATM BCA)
100% of the credit limit
Interest Rates
Cash withdrawal and shopping transactions accrue interest at 1.75% per month, in accordance with Bank Indonesia regulations.
The interest calculation for BCA Smartcash card cash advances is based on a daily interest calculation, including Saturdays/Sundays/other holidays, calculated from the transaction date.
Simulation
As an illustration of the bill statement calculation for May 18, 2024.
Posting Date
Description
Amount (IDR)
Previous Balance
0
2 May 2024
Transaction I (Cash Advance)
10.000.000
2 May 2024
Transaction II (Retail)
5.000.000
Interest*)
97.808
Stamp Fee
10.000
Billing statement Printing Fee
10.000
18 May 2024
Latest Balance
15.117.808
Minimum payment
755.890
*) Interest Calculation:
Transaction Type
Interest Period
Calculation
Amount (IDR)
Transaction I
(Cash Advance)
2 May 2024 - 18 May 2024
17 days
IDR10.000.000 x 1,75% x 12 months x (17/365) days
97.808
Total Interest
97.808
If payment for the above bill is made on 25 May 2024 in the amount of the minimum payment, then the billing statement as of 18 June 2024 will be reflected as follows:
Transaction Type
Description
Amount (IDR)
Previous Balance
15.117.808
25 May 2024
Payment
(755.890)
Interest**)
272.740
Stamp Fee
10.000
Billing statement Printing Fee
10.000
18 June 2024
Latest Balance
14.654.658
**) Interest Calculation:
Transaction Type
Interest Period
Calculation
Amount (IDR)
Interest form Transaction I (Cash Advance) 26 May 2024 - 18 June 2024
26 May 2024 - 18 June 2024
25 days
IDR10.000.000 – (755.890 – (10.000 + 10.000 + 97.808)) x 1,75% x 12 months x (25/365) days
134.658
Interest from Transaction II (Retail) 2 May 2024 s/d 18 June 2024
2 May 2024 - 18 June 2024
48 days
IDR5.000.000 x 1,75% x 12 months x (48/365) days
138.082
Total Interest
272.740
Important Information
Additional Information
The autodebit account selected by the customer at the time of applying for the BCA Smartcash Credit Card will automatically be used to pay bills arising from transactions made using the BCA Smartcash Credit Card.
BCA credit card activation can be done by sending an SMS to 89888, Halo BCA, myBCA, and BCA mobile.
The minimum payment is 5% of the total bill.
The validity period of the BCA Credit Card is as stated on the card. For more information, please refer here.
Contact transactions can be performed using the dip/swipe method on an EDC machine and authenticated with a PIN/signature*. Credit card PIN activation can be done via the myBCA application, BCA mobile, and ATM, or BCA’s official website. *) Note: According to regulations in each country, contact transactions conducted in Indonesia must use a PIN
The billing statement and credit limit for the BCA Smartcash Credit Card are separatefrom those of other BCA credit cards.
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.
Complaints regarding products or services can be made by calling Halo BCA at 1500888 or through the haloBCA Application.
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
BCA Smartcash Credit Card Product/Service Information Summary
Get the Product/Service
Summary Information via the link below.
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