24 Apr 2020 | News & Features

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

*Update: 23 June 2023

In accordance to publication No24/350/Dkom 22 December 2022, 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

Minimum Payment Limit

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

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

Until 31 December 2023

Late Fees

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

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

Until 31 December 2023

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

Interest Rates Fees & Charges

Fees & Charges

Before

After

Effective Date

Spending & Cash Withdrawal Interest Rates

2% per month

1.75% per month

1 July 2021

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

Changes to Smartcash Interest Rates

Fees & Charges

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

Fees & Charges

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 & Charges

Before

After

Effective Date

Late Fees

2% of the remaining bill

1.75% of the remaining bill

1 July 2021

For further information, about Fees & Charges please contact Halo BCA 1500888 or HALO BCA application.