24 Apr 2020 | News & Features

BCA Credit Card’s Relief: Interest Rates, Minimum Payments Deferrals & Late Fees

*Update : 30 March 2023

In accordance with Bank Indonesia policy during the unprecedented Covid-19 emergency, interest rates, minimum payment deferrals, and late fees for BCA Credit Cards will be adjusted as follows :

Cards will be adjusted as follows:

Fees & Charges Before After Effective Date

Spending & Cash Withdrawal Interest Rates

2% per month

1.75% per month

1 July 2021

Minimum Payment Limit

10% of the total bill or min. of Rp50 thousand plus instalment transactions & arrears (if any)

5% of the total bill or min. of Rp50 thousand plus instalment transactions & arrears (if any)

until 30 June 2023

Late Fees

3% of the total bill or max. of Rp150 thousand

1% of the total bill or max. of Rp100 thousand

until 30 June 2023

The adjustments are valid for BCA Card, Smartcash (except Withdrawal Rate), BCA Visa, BCA Mastercard, BCA JCB

Changes to Smartcash Interest Rates

Interest Rate Before After Effective Date

Shopping (Retail)

2.25% per month

1.75% per month

1 July 2021

Cash Advance

1.8%

1.75% (no change)

1 July 2021

Changes to Cash Advance Limit

Cash Advance Limit Before After Effective Date

Cash Advance

40% of the limit

20% of the limit

1 May 2020 until further notice

Valid for BCA Card, BCA Visa, BCA Mastercard, BCA JCB, BCA Amex


Changes to AMEX Fees and Rates

Fees & Rates Before After Effective Date

Late Fees

2% of the remaining bill

1.75% of the remaining bill

1 July 2021


With these adjustments, we wish to provide you ease of transactions using BCA Credit Cards. For further information, please contact Halo BCA 1500888 or simply mention us at Twitter account @HaloBCA.