Special for Directors or Owners Practical Solutions for Financial Needs

Following the applicable terms and conditions. For further information, please contact the nearest BCA branch or your PIC Relationship.

(Information about BCA Prioritas can be accessed at https://prioritas.bca.co.id/)

Benefit:

Free annual fee for the first 2 years (only for main/basic cards)

Terms and Conditions:

1. Valid for new cardholders.
2. Valid for all types BCA credit cards, except BCA AMEX Platinum, BCA Mastercard World, and BCA Singapore Airlines.
3. Using source code:
   • CPNSML: for applications through branches
   • SML: for applications online
4. Valid until December 31, 2025 with a maximum limit approved until January 31, 2026

Free Annual Fee Credit Card for Membership

Free annual fee for the following cards:

• BCA Solitaire: All BCA credit cards.
• BCA Prioritas: All BCA credit cards, except BCA Singapore Airlines (free for the first year) and BCA World Mastercard, BCA AMEX Platinum.

Terms & Conditions:

Following the applicable terms and conditions for BCA Solitaire and Priority Credit Cards.

This feature is suitable for customers who like to travel and transaction using foreign currencies.

The following are the benefits of using Pocket Valas in myBCA:

• Manage multiple currencies, all in one account
• Transfer funds to other BCA accounts in foreign currencies easily
• Withdraw cash and transaction abroad without exchange rate conversion (1:1) by using the source of funds from Pocket Valas using a BCA Mastercard Debit Card

Outward Remittance Local Currency Transaction (OR LCT) Promotion Program

100% Telex Fee Cashback if the transaction meets the following criteria:

• Valid for LCT transactions with MYR, THB, KRW and CNY currencies*
• Using Rupiah (IDR) funds
• Valid until June 30, 2025

*) LCT CNY telex fee cashback is only valid for transactions through BCA Branch Offices

Benefit: Special Interest Rate

*With deposit throughout the tenor.

General Provisions:

• Customers must prepare a certain amount of deposit to be locked during the tenor period to be able to get the Special 68th Anniversary Interest.
• The Special 68th Anniversary Interest applies to tenors of 1-3 years.
• Applicable to passenger new cars & participating dealers.

Benefits: Down Payment Special

Terms & Conditions:

• Down Payment Special for 10%
• For selected customers only
• Apply for new passenger non-EV cars (ADDM).
• interest rates follow the ongoing/available rates during the time of application 
• Following the applicable terms and conditions during the time of application.
• Apply through BCA branches.
• Application valid until December 31, 2025 and realization on January 31, 2026.

Benefit: Provision discount for following loan limit:

• >Rp 2 Billion, 0.50%
• ≤Rp 2 Billion, 0.25%

Terms & Conditions:

• Applicable for all types of interest rates, both program and regular.
• The above benefits cannot be combined with the same type of benefit from the special interest rate program or other programs.
• Following the applicable terms and conditions during the time of application.

Benefit: 50% discount on administration fees for Membership

Terms & Conditions:

• Applicable for (prospective) debtors and spouses if they do not have separate assets.
• Cannot be combined with the same type of benefit from the special interest rate program or other programs.
• Following the applicable terms and conditions during the time of application.
• The application mechanism will follow the general terms for BCA Solitaire and Priority KPR application

Benefit: 65% premium discount for BCA Life – MyGuard products

Terms & Conditions:

• Promo Code: OMGOWN65
• Valid for the first premium, with a maximum discount of IDR 200,000 for each purchase.
• Valid for all MyGuard products and packages.
• Valid for purchases through all MyGuard product marketing platforms at BCA.
• Only 1 (one) promo code can be used for each purchase.
• Valid until December 31, 2025.

Benefit: Premium Insurance Discount for purchasing BCA Insurance products

Terms & Conditions:

• Valid to all customers.
• Valid for certain events (Expo, Wealth Summit, and other events).
• The discounts does not require filling out an application form.
• Premium discounts apply to purchases of new policies in 2025 or renewal policies from purchases of policies in 2024.
• The discounts is carried out by deducting the premium paid by the customer directly.
• The program applies to new policies and cannot be combined with other benefit programs.

Cashback up to IDR 500,000 for Mutual Funds

Terms & Conditions:

• Valid until June 30, 2025
• Valid for new investors (who have never transacted Mutual Funds or Bonds at BCA).
• Minimum transaction IDR 500,000,-
• Valid for Mutual Fund products with IDR currency from certain Investment Managers with quotas, as follows:

Investment Manager	Quota
PT Ashmore Asset Management Indonesia	50
PT Bahana TCW Investment Management	500
PT Batavia Prosperindo Aset Manajemen	1,200
PT BNP Paribas Asset Management	50
PT BRI Manajemen Investasi	50
PT Eastspring Investments Indonesia	50
PT Manulife Aset Manajemen Indonesia	50
PT Panin Asset Management	50
PT Schroder Investment Management Indonesia	200

• Valid for first-time investment transactions at BCA (all channels).
• Must include the unique code "111" behind the nominal value of each purchase transaction. Example of purchase nominal: IDR 500,111
• There is a holding period where there is no redemption (sale) and switching out (transfer out) after the purchase transaction for the first transacted product and the provision of Mutual Fund participation units is carried out after the holding period, with the following details:

Transaction Month	Holding Date Limit	Estimated Unit Grant Date
Januari 2025	30 April 2025	3rd week of May 2025
February 2025	31 May 2025	3rd week of June 2025
March 2025	30 June 2025	3rd week of July 2025
April 2025	31 July 2025	3rd week of August 2025
May 2025	31 August 2025	3rd week of September 2025
June 2025	30 September 2025	3rd week of October 2025

• This program can be combined with other Mutual Fund Transaction Fee Program
• Benefits will be given to investors in the form of Mutual Fund participation units according to the products transacted in this program.
• Prizes cannot be cashed and transferred.
• The gift tax received by customers is borne by BCA in accordance with applicable tax regulations.
• Mutual Fund transaction cut-off time follows applicable policies, specifically for transactions dated June 30, 2025, transactions until payment are made before 13.00 WIB.
• Customers who are eligible to receive Mutual Fund benefits must follow all the provisions stated above.

Free transactions for mutual funds using myBCA's Investment feature

Terms & Conditions:

• Promo Period: Until December 31, 2025
• The program is valid for Purchase / Periodic Purchase transactions through the Investasi feature in the myBCA Application.
• Regarding Stamp Duty of IDR 10 thousand on the Investment Product Transaction Confirmation Letter, it applies to consolidated transactions >IDR 10 million, in accordance with Government Regulation Number 3 of 2022.
• Specifically for Periodic Purchase transactions, the following provisions apply:
  • Purchase transactions that receive free benefits are only Purchase transactions processed during the program period.
  • Purchase transactions after the program period will be subject to the transaction fee in effect at that time.
• For products that have the following minimum transaction fee provisions, they still apply in accordance with the provisions of the product:
  • Manulife Saham Syariah Asia Pacific US Dollar
  • Batavia India Sharia Equity USD
• Transaction fees for Switching and Redeeming Mutual Funds through the Welma feature in the myBCA Application in accordance with the provisions in force in the application.
• Specifically for Mutual Fund purchases on December 31, 2025, transactions until payment are made before 13.00 WIB

Extension of the Fresh Fund Program Specifically for Membership Customers

Terms & Conditions:

• Cashback applies to a maximum multiple of IDR 17.5 million/customer/program period calculated based on multiples of IDR 100 million and cashback of USD 1,000/customer/program period calculated based on multiples of USD 30,000.
• The calculation of the cashback quota uses the following conversion table:

Transaction	Transaction Conversion
IDR 100 Juta	1 transaction
USD 30.000	5 transaction

• Program period: January – June 2025.
• Valid for BCA membership customers.
• Investment fund sources must be Fresh Funds.
• Mutual Fund Purchase Transaction calculations are calculated using Net Subscription. For transaction validation, customers must include the unique code "024" in the last three digits of the customer's purchase transaction.
• Not valid for RSP and switching transactions.
• Valid for purchases through all transaction channels.
• Promos cannot be combined with other ongoing promos and can only be combined with the Free Transaction Mutual Fund Promo.
• Cashback is given in the form of Mutual Fund participation units with the Type and Name of Product according to BCA's policy.
• Prizes cannot be cashed and transferred.
• Tax on cashback received by customers is borne by BCA in accordance with applicable tax regulations.
• USD/IDR conversion will use the same 1 exchange rate in each program period. USD/IDR exchange rate conversion uses the EOM selling rate H-1 month of the program from the 32-day treasury forward rate indication.