BCA - BCA - Installment

Convert Your Purchases into Cicilan BCA

Via myBCA

Make sure the myBCA application has been updated to version 1.20
Choose Akun Saya, select Informasi Kartu Kredit
Choose the transaction you want to convert to installment, select Ubah ke Cicilan
Choose Jangka Waktu Cicilan, select Lanjut
Check the change details, check the statement and select Lanjut
Submission of transaction change to installment successfully submitted

Via BCA mobile

Select m-BCA
Select menu m-Info, Info Kartu Kredit, then select Transaksi dan Tagihan
Choose Ubah ke Cicilan on the transaction you want to convert to installments
Choose Jangka Waktu Cicilan
Check the change details, check the statement and select Ubah ke Cicilan
Submission of transaction change to installment successfully submitted
Make sure the financial transactions in BCA mobile is activated at BCA Branch Office or Halo BCA
Make sure your BCA Credit Card is connected to BCA mobile

At merchants with BCA Installment information
Type Cicilan send SMS to 89888
Contact Halo BCA 1500888

Cicilan BCA 0% for Overseas Transactions

BCA Amex Platinum Card

0% BCA Installment is applicable for 3, 6, 12, 18, and 24 months tenors
Applicable for a minimum transaction of Rp3,000,000
Valid for transactions through EDC at all overseas merchants
Not valid for purchases/transactions on websites
Transactions that can be changed are transactions made at EDC abroad extended until 31 Januari 2025
Request for changing overseas transactions to 0% BCA Installment can be made via:
- SMS "Cicilan" to 89888
- Contacting HALO BCA Priority at 1500222

BCA Card Credit Card (only for transactions in Singapore)

0% BCA installments 3, 6, and 12 months
Minimum transaction IDR500,000
Only valid for transactions on NETS network EDC machines

Credit Card BCA Visa/ Master Card/ JCB/ Unionpay

0% BCA installments 3, 6, and 12 months
Minimum transaction IDR3,000,000
Valid for transactions at EDC machines at all overseas merchants

Terms and Conditions:

Valid for transactions that have been recorded in the BCA Credit Card system
Valid for billing transactions that are not yet due
Submission of changes in Overseas transactions to 0% BCA Installments can be made through: SMS “Cicilan” to 89888 or contact Halo BCA at 1500888

Kartu Kredit BCA Visa Corporate

Minimum transaction IDR3,000,000 with BCA VISA Corporate credit card
Valid for transactions on EDC machines at all overseas merchant
Until 31 December 2023

Terms & Conditions :

Valid for transactions that have been recorded in NVA credit card system
Applies to transactions that have never been due on the billing statement
Application for changing foreign transactions to 0% BCA “Cicilan” to 89888 or calling Halo BCA on 1500888

Cicilan BCA with Low Interest

INTEREST	TENOR	TYPE OF BCA CREDIT CARD
0.5%/Month	12 months	BCA Everyday Card
0.75%/Month	12 months	All types of BCA Credit Card (except BCA Everyday Card)
0.75%/Month	15, 18, 21, 24 and 36 months	All types of BCA Credit Card
1.25%/Month	3, 6 and 9 Month	All types of BCA Credit Card

Terms and Conditions:

Transactions that can be converted are all BCA Credit Card transactions during the period of until 28 February 2025.
Valid for a minimum transaction of IDR500,000.
No admin or provision fees
Valid for transactions that have been recorded at BCA Credit Card database system
Valid for transactions that are not yet due
Terms for 36-month Low Interest BCA Installment:

Can be done through BCA EDC, via BCA mobile, myBCA, SMS "Cicilan" to 89888, and call Halo BCA.
Valid for a minimum transaction of IDR500,000

Cicilan BCA - Education

Mechanism:

Tenor	Interest
3 months	0% /month
6, 12 and 15 months	0,5% /month

Terms and Conditions:

Program Period until 31 August 2024.
Valid for a minimum transaction of IDR500,000 (no maximum transaction if the credit limit is sufficient)
Valid for all types of BCA Credit Cards
Valid for partnered schools/universities, see more
Submission for conversion of Cicilan BCA for Education transactions into 0% Cicilan BCA can be made through:

1. School/University that have partnered with BCA

2. SMS “Cicilan” to 89888

3. Contact Halo BCA at 1500888

Cicilan BCA - Hospital

Mechanism:

Tenor	Interest	Mechanism
3 months	0% /month	Minimum transaction of IDR3,000,000
6, 12 and 15 months	0,75% /month	Minimum transaction of IDR500,000

Terms and Conditions:

Program Period until 31 March 2025.
Valid for all types of BCA Credit Cards
Valid for Indonesian hospitals, with transaction descriptions containing the words "Rumah Sakit" or "RS" or "Hospital"
Submission for conversion of Cicilan BCA for Hospital transactions into 0% Cicilan BCA can be made through:

SMS “Cicilan” to 89888
Contact Halo BCA at 1500888

Terms for Installment Cancellation

Early Cancellation of Installment transactions will be subject to a penalty fee of IDR100,000 per transaction.
Cancellation of Special Installment transactions for the Free Installment Promo will be subject to a penalty fee of IDR100,000 + the entire remaining installment bill + the amount of the free installment promo.

Become an Installment Merchant

To participate as a Cicilan BCA merchant, merchants can send an email to: layanan_fdm@bca.co.id, by attaching the Installment Program Submission Data.

FEES AND LIMIT

Simulation of Monthly Installment Calculation

Installment interest of 1.25% for tenors of 3, 6 & 9 months valid from 19 March 2012

Transaction Value	Period
Transaction Value	3-Month Tenor 1.25%	6-Month Tenor 1.25%	9-Month Tenor 1.25%
500,000	172,917	89,583	61,806
1,000,000	345,833	179,167	123,611
2,000,000	691,667	358,333	247,222
3,000,000	1,037,500	537,500	370,833
5,000,000	1,729,167	895.833	618,056

Monthly Installment Calculation

Price of goods + (price of goods x interest x period)
Period