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BCA Smartcash

Fulfil every business needs practically

Why BCA Smartcash?

Cashless

Easy transaction using credit card without administration, provision and cash withdrawal fee

Broad network

Ease of transaction such as cash advance (cash withdrawal and transfer) in all BCA ATM, retail transaction with BCA merchant partner and online transaction with merchant Klikpay BCA

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

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BCA Smartcash

BCA Smartcash

Discretion of fulfilling business need with cash injection as easy as transaction with credit card

Benefit


Flexible
Flexible usage and repayment with competitive interest rare that calculated daily
Non-collateral credit
Available for non-collateral facility
Scheduled
Monthly bill with minimum 10% payment from total bill balance every month
Cicilan BCA
Transform any transaction to installment with competitive interest rate
Autopay BCA
Summarize all bill monthly routine into one BCA credit card payment

Card Security Measures

  • The BCA Smartcash Card is sent to the Cardholder in an inactive condition. To be able to use the BCA Smartcash Card, the Cardholder must first activate the card
  • After the card is activated, BCA will provide an Authentication Code for PIN activation via SMS to the cellular number registered with BCA
  • PIN activation can be done via BCA mobile or BCA ATM or BCA Website using the Authentication Code sent to the registered cellular number
  • The Cardholder must not reveal the PIN to anyone, record, or write the PIN in any documents or media that are easily known or seen by others
  • All records, printouts, recordings, communication media, or other evidence of any nature held by BCA in connection with any electronic banking transactions conducted by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, except as proven otherwise
  • Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the card is lost or stolen
  • If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

If the Account Holder finds a transaction not made by the Account Holder in the BCA Smartcash Account Billing Statement, the Account Holder must immediately raise a question or objection via Halo BCA and subsequently submit a written statement of objection in respect of the transaction no later than 30 calendar days from the date of the BCA Smartcash Account Billing Statement, by providing the following information:

  • Account Holder's name and customer number
  • Transaction date
  • Details of the transaction and the amount disputed
  • Reasons for raising the objection
  • Account Holder's signature

Keep the BCA Smartcash Card number and Halo BCA phone number handy for the convenience of reporting in case the BCA Smartcash Card is lost or stolen.

If the BCA Smartcash Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. BCA is not responsible for all the transactions that occur before it receives the loss/theft report

Requirements

  • Individual customer, Indonesian Citizen (WNI), living in Indonesia, aged 21 years minimum and 65 years maximum
  • Monthly business turnover of at least Rp 30,000,000 and at least two years’ existence in the business
  • Original documents from the distributor

Documentary Requirements

  • A copy of the Resident ID Card (KTP)/Passport
  • A copy of the Savings/Current Account Statement for the last 3 (three) months
  • A copy of the Professional/Practicing License *)
  • A copy of Deed of Incorporation if requested for business owner that own business with legal entity
  • A copy of the Tax ID Number (NPWP) Card **)
  • A copy of the Credit Card Account Statement for the last 3 months (if any)

*) Only for professionals
**) Required for debtor with business entity/personal that using the facility to fund their business
***) Required attachment For Rp. 50.000.000 credit limit submission, whereas the debtor not yet/doesn't have Tax ID Number (NPWP) Card, thus debtor required to fill statement letter not yet/doesn't have Tax ID Number (NPWP)

Fee & Limit

Type of Fee Fee Amount
Annual Fee
- Card Limit of Rp10 million - Rp50 million
- Card Limit of Rp50 million - Rp100 million
Rp 250.000
Rp 500.000
Cash Advance Fee Free
Overlimit Fee Rp40.000/transaction
Minimum Payment 5% of the billing amount or a minimum of Rp50.000
Late Payment Charge 1% or maximum Rp100,000
Sales Draft Printing Charge Rp30.000
Billing Statement Printing Charge Rp10.000
Card Replacement Fee Rp50.000
Purchase Transaction Interest Rate 1,75% effective/month with a grace period of 15-45 days
Cash Withdrawal Interest Rate 1,75% effective/month without the grace period of 15-45 days
Notes:
  • The interest on cash withdrawal using BCA Smartcash card is calculated on a daily basis, including Saturday/Sunday/or any public holiday, from the transaction date
  • BCA reserves the right to change the above rates and fees by providing the customer with a notice in any form and by any means

Get The Product

BCA branch office
Find nearby BCA branch office location to get the service or product directly
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