A Business Debit Card (BDC) is a card facility provided to Business Customers to make managing their financial
activities easier. This includes handling incoming cash deposits, outgoing cash transactions within the company,
and offering rewards or loyalty benefits to partners and customers.
Key Features
You can use a company account with the Rupiah Current Account, Tahapan Gold, and Tapres account
types as a source of funds for transactions and BDC facility fees.
Corporate accounts can be linked to BDC facilities without any limit on the number of cards.
Consists of three types of cards, each with different features, including:
Card Types
Description
Deposit Card
Special card for cash deposits via BCA ATMs to the company's
account
Unlimited cash deposit limit
Petty Cash Card
Intended for the company's internal needs for transactions:
Cash withdrawal via BCA ATMs, BCA EDCs, and Branches
Transfer between BCA accounts via BCA ATM
Shopping transactions through BCA EDC and other parties' EDCs in
the
country.
Has a card limit that can be set automatically (recurring) or
manually
per card
Have a daily transaction limit
Loyalty Card
Intended for external needs of the company (such as
rewards/loyalty)
for transactions:
Cash withdrawal via BCA ATMs and BCA EDCs
Transfer between BCA accounts via BCA ATM
Shopping transactions through BCA EDC and other parties' EDCs in
the
country
Has a card limit that can be topped up manually
Have a daily transaction limit
The Closed Loop feature is available on Petty Cash Card and Loyalty Card types to restrict
transactions solely to specific merchants (EDCs) based on Customer preferences.
The design of the BDC card can be customized based on the customer's request (Co-Branding).
Benefits
The convenience of various cash management needs, including:
Cash deposit made to the company's account using a Deposit Card.
Management of cash outflows for transactions through BCA channels and other parties'
channels within the country using the Petty Cash Card variant of GPN.
Reward fulfillment for the company's loyal customers and for transactions through BCA
channels and other third-party channels within the country using the GPN variant Loyalty
Card.
Transaction security is ensured by using a PIN for each transaction, configuring transaction
features according to the company's needs, and setting limits that can be adjusted by the
company through BCA's e-channel, including myBCA Bisnis, KlikBCA Bisnis, KlikBCA Bisnis
Integrated Solution, and Host to Host ERP Integration (HEI).
Risks
Misuse of BDC cards and PINs due to customers' negligence.
Requirements and Procedures
The Business Debit Card (BDC) facility is designed for Business Customers that are entities
(non-individuals) meeting the following criteria:
Customers of entities involved in business sectors that need to use BDC facilities for
operational support or to offer rewards/loyalty programs to their customers.
The customer's business field is not classified as a prohibited type of business, such
as:
Trade in goods or services that violate intellectual property rights
Pornography, violence, drug trafficking, gambling, and activities that violate
legal standards and social decency.
Types and/or business entities that are illegal or prohibited by regulators
BDC facility application requirements:
Customers must register an account as a source of BDC card funds, such as Rupiah Current
Account, Tapres, or Tahapan Gold account.
The customer already has the myBCA Bisnis/KlikBCA Bisnis/KlikBCA Bisnis Integrated
Solution/Host to Host ERP Integration (HEI) facility, along with the following
additional conditions:
Customers who have used the Host to Host ERP Integration (HEI) mechanism must be
willing to build network infrastructure and HEI systems in accordance with the
BCA Technical Specification Document.
To apply for a BDC with the Closed Loop feature, customers must register a
Merchant ID (MID) or Merchant Category Code (MCC), which will be used later for
the customer's BDC transaction.
Filling out and approving the application form includes:
BCA Business Debit Card Facilities and Conditions Form
KlikBCA Bisnis or KlikBCA Bisnis Integrated Solution form for customers who do not have
KlikBCA Bisnis or KlikBCA Bisnis Integrated Solution.
Appoint a Coordinating Branch to facilitate the needs of the customer's BDC.
Fees, Limits & Interest Rates
Fees
Card issuance fee IDR15,000 per card
Card administration fee IDR20,000 per card per month
Limit
Daily limit for transactions using the Petty Cash Card and Loyalty Card:
Transaction Type
Petty Cash Card
Loyalty Card
Via BCA ATM
Cash Withdrawal
IDR10,000,000
IDR10,000,000
Transfer between BCA Accounts
IDR100,000,000
IDR100,000,000
Transfer between BCA Accounts (to foreign exchange accounts)1)
IDR100,000,000
IDR100,000,000
Via EDC
Debit BCA2)
IDR100,000,000
IDR100,000,000
Last updated: January 19, 2024
1)This limit is separate from the Rupiah transfer limit. 2)The payment
limit with BCA Debit is one with cash withdrawal at merchants (separate from the limit of cash
withdrawal at ATMs) and is the combined limit of payment transactions through EDC BCA and EDC of
other parties.
Simulation
Company A requested 45 BDC Petty Cash Cards, and the fees that they need to pay are as follows:
Number of Cards
Fees Paid
45
Card issuance fee1)
45 cards x IDR15,000 = IDR675,000 Card admin fee per
month2)
45 cards x IDR20,000 = IDR900,000
Description:
1) Charged only once during card printing or at the start of the order for co-branding
cards. 2) Charged monthly for each active or inactive card unless the card is
blocked.
Note:
This simulation is only a calculation tool.
Important Information
Additional Information
The registered source of fund account is not a "Or" or "And" joint account.
The BDC Card has a validity period visible on the physical card.
Customers, through designated PICs, can decide for their BDC card (such as requesting a new
card, removing a card, setting limits, etc.) via their BCA channels, including myBCA Bisnis,
KlikBCA Bisnis, KlikBCA Bisnis Integrated Solution, and Host to Host ERP Integration (HEI).
In addition to BCA channels, there are services to manage BDC cards via the BCA API, which can
be applied for separately. Here are the available BCA API services:
Setting BDC limit
Change BDC status
Inquiry BDC data
BDC transaction notifications
BDC transaction inquiry
Payment transactions cannot be processed if the card limit or account balance is insufficient.
The report on the BDC facility is valid for 1 year from the current month and can be downloaded
through the BCA channel, specifically myBCA Bisnis/KlikBCA Bisnis/KlikBCA Bisnis Integrated
Solution/Host to Host ERP Integration (HEI).
BCA shall inform all changes to the benefits, costs, risks, terms and conditions of this Product
and/or Service through any means in accordance with the applicable legal provisions.
Summary of Product & Service Information (RIPLAY)
BDC Product/Service Summary
Get the Product/Service Summary Information via the link below.
The information provided in this product/service is part of the General Product and/or Service Information Summary (RIPLAY).
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