Article 1

1. BCA Card, BCA Mastercard, BCA Visa Card, BCA JCB Card, BCA UnionPay Card, and other credit cards (each referred to as "Card") issued by PT Bank Central Asia Tbk ("BCA") are the property of BCA.
2. BCA may cooperate with a BCA business partner ("Cobrand Partner") to issue a Card bearing BCA’s logo and the BCA business partner’s logo or otherwise a logo determined by the BCA business partner ("Cobrand Card").

Article 2

1. BCA will deliver the Card, whether a new Card or a renewal Card, directly to the party whose name is printed on the Card ("Cardholder") at the address on record with BCA. If at the time of the Card delivery, the Cardholder is unavailable to directly receive the Card from BCA, the Cardholder hereby authorizes BCA to deliver the Card, whether a new Card or a renewal Card, to another party at the Cardholder's address as per BCA’s data, provided that BCA records the Card delivery date and the identity of the Card recipient.
2. The Card is non-transferable and must be signed by the Cardholder. During the validity of the Card, the Cardholder is the only person entitled to use the Card to make payment transactions to a merchant that accepts payments using the Card ("Merchant"), make cash withdrawals through ATMs, or withdraw cash at BCA branch offices/other banks that accept cash withdrawal transactions using the Card.
3. The Card that comes with a contactless feature can be used to make transactions by simply tapping the Card or holding it (without having to insert/swipe the Card) near an Electronic Data Capture (EDC) machine or any other terminal that can accept contactless transactions. The Cardholder can make contactless transactions without entering a PIN (Personal Identification Number) with due observance of the transaction limits and regulations as established by the Card principal or otherwise as applicable in the country where the Cardholder makes the transactions and subject to the limits and frequency of the contactless transactions that can be made by the Cardholder as determined by BCA.
4. BCA is not responsible for the Merchant’s refusal of any payment using the Card.
5. BCA has the right to offer products/services via personal communication channels. If the Cardholder refuses to receive such an offer, the Cardholder can contact Halo BCA.

Article 3

1. A Cobrand Cardholder that has not become a member of the Cobrand Partner when applying for a Cobrand Card will be registered as a member of the Cobrand Partner. This provision only applies to the main Cardholder. A supplementary Cardholder that wishes to become a member of the Cobrand Partner must directly apply to the Cobrand Partner.
2. In connection with the registration for membership of the Cobrand Partner as described above, the Cobrand Cardholder hereby authorizes BCA to provide the Cobrand Cardholder’s data to the Cobrand Partner.
3. In the event the prospective Cobrand Cardholder is already a member of the Cobrand Partner and the data of the prospective Cobrand Cardholder received by BCA do not conform with the data held by the Cobrand Partner, then the prospective Cobrand Cardholder agrees that a new membership will be created with the Cobrand Partner using the data provided by the prospective Cobrand Cardholder to BCA.
4. The type of Cobrand Card to be issued for the supplementary Cardholder will be the same as the type of Cobrand Card issued for the main Cardholder.
5. The Reward BCA from BCA and any loyalty benefits from the Cobrand Partner (if any) will be provided only to the main Cardholder.

Article 4

1. BCA will prepay the Merchant or another bank for all transactions made using the Card based on the billing data submitted to BCA.
2. The Cardholder shall pay to BCA the billing amounts arising from the transactions.
3. BCA will provide the Cardholder with a monthly billing statement listing all the transactions made by the Cardholder (“Billing Statement”) in either soft copy (e-Statement) or hard copy, as chosen by the Cardholder. If the Cardholder prefers to receive the Billing Statement in hard copy, BCA may charge the Cardholder a fee for printing the Billing Statement and the printing fee will be charged to the Cardholder’s Card account.
4. The Cardholder must immediately notify BCA of any change of the Cardholder’s address, home/office/mobile phone number. All consequences arising from the Cardholder's failure to notify such changes of the Cardholder's data, including any delay in receiving or non-receipt of the Billing Statement, shall be the full responsibility of the Cardholder. The Cardholder’s delay in receiving or failure to receive a Billing Statement shall not release the Cardholder of its obligation to pay all the amounts due arising from the use of the Card, including late charges and interest, according to the provisions applicable at BCA.
5. The Cardholder must pay all the amounts due as specified in the Billing Statement in the minimum payment amount in rupiah, on the terms as determined by BCA (hereinafter referred to as “Minimum Payment”), no later than the due date of the relevant billing month or on the next calendar day following the due date (if the due date falls on a holiday).
6. If after calculation, it is found that the Minimum Payment does not reach Rp50,000 (fifty thousand rupiah), the Minimum Payment amount payable by the Cardholder shall be Rp50,000 (fifty thousand rupiah).
7. Late payment of the billing amount may cause transactions to be rejected. BCA reserves the right to block the Card if on the due date BCA does not receive the payment of the billing amount at least in the amount of the Minimum Payment.
8. In the event of any overdue amounts, the Cardholder must pay off all such overdue amounts. If the payment is made by cheque/bilyet giro, the payment will be deemed to have been received when it has been actually received by BCA in good funds. If the cheque/bilyet giro is rejected or canceled, the Cardholder will be charged an administration fee and/or other fees (if any), the amount of which will be determined by BCA and notified in any form and through any means in accordance with the applicable law.
9. If the Cardholder would like the payment of the billing amount to be made by means of auto-debit from a BCA account, BCA will debit such BCA account to pay the billing amount on the due date specified in the relevant Billing Statement according to the payment amount percentage chosen by the Cardholder.
10. If the Cardholder's credit quality is classified as ‘loss’ (macet), BCA may use the services of another party for debt collection until all of the Cardholder's obligations to BCA are fully settled.
11. If, in addition to the Card, the Cardholder also obtains other credit facilities from BCA, the Cardholder’s collectability with respect to the use of the Card and such other credit facilities from BCA will follow the lowest credit collectability assigned according to the data of the Cardholder's credit facilities on record with BCA.
12. The Cardholder is responsible for all the costs and fees incurred in connection with the issuance and use of the Card including but not limited to the annual fee, interest, late charge, card replacement fee, stamp duty, insurance premium (if the Cardholder agrees to become a credit life insurance customer), Billing Statement printing fee, as well as other charges and fees (if any), which will be notified by BCA to the Cardholder in any form and through any means in accordance with the applicable law.

Article 5

If the Card is lost, the Cardholder must immediately report the loss to Halo BCA (24-hour service) or the nearest BCA branch office (during the operating hours of such BCA branch office). If required by BCA, the Cardholder must provide a written notification of loss signed by the Cardholder in the form and substance satisfactory to BCA. The Cardholder is responsible for all existing card transactions until BCA receives the notification of loss from the Cardholder. A Card reported as lost in the notification of loss cannot be used to make any transactions. For the purpose of Card replacement, the Cardholder must provide BCA with a clear identity and will be charged a card replacement fee, the amount of which will be notified by BCA in any form and through any means according to the prevailing law. If the lost card is later found, the card must be returned to BCA.

Article 6

BCA will impose on the Cardholder a late charge for any monthly balance that remains unpaid after the due date as well as interest at the then applicable rate, calculated from the transaction posting date. BCA has the right to determine the amount of the late charge and interest, which will be notified by BCA to the Cardholder in any form and through any means in accordance with the applicable law.

Article 7

BCA is not responsible for any defects and deficiencies of any nature in the goods or services paid for using the Card. In the event of any dispute over the transaction relating to the goods or services, the Cardholder remains obligated to pay the amount due as specified in the Billing Statement.

Article 8

If BCA receives the billing data in a currency other than the rupiah, the amount will be converted by BCA into the rupiah based on the exchange rate determined by BCA on the date such billing data are received.

Article 9

The Cardholder is fully responsible for any use or misuse of the Card, whether by the Cardholder or by any other party, and must not use the Card to make transactions that are against the applicable law. All fees and charges incurred in connection with the use of the Card by the supplementary Cardholder shall be the full responsibility of the main Cardholder and the supplementary Cardholder, and therefore BCA has the right to directly claim such fees and charges from the main Cardholder and the supplementary Cardholder.

Article 10

BCA has the right to determine the amount of the credit limit and the type of Card that will be provided by BCA to the Cardholder. The credit limit may be reduced or unconditionally canceled at any time by BCA. The credit limit may also be automatically canceled if the Cardholder’s collectability deteriorates to substandard (kurang lancar), doubtful (diragukan), or loss (macet). The credit limit and the type of Card that will be provided by BCA to the Cardholder, including any changes thereof (if any), will be notified by BCA to the Cardholder in any form and through any means in accordance with the applicable law.

BCA under certain considerations has the right to block the Card, terminate the use of the Card, and revoke all rights attached to the Card, among other things, if the Cardholder uses the Card to conduct any transactions/perform any acts that violate the applicable law (including the laws and regulations on Anti-Money Laundering and Counter-Terrorism Financing (AML-CTF)), uses the Card for purposes other than as a payment instrument, or if there is an indication that the Cardholder has used the Card to make cash withdrawal/swipe transactions at the Merchant, and/or if there is an indication that the Cardholder has committed other unlawful acts, or has been involved in criminal, state administrative, taxation, or civil cases.

BCA has the right to notify the Merchant of the above matters, if necessary. If the use of the Card is terminated, BCA has the right to block the Card, and the Cardholder is obliged to pay off all the outstanding amounts arising from the use of the Card to BCA immediately in full amount on the Card termination date at the latest. The Cardholder and BCA agree to waive the provisions of Article 1266 of the Indonesian Civil Code to the extent that a court decision is required to terminate an agreement, and therefore the Card termination does not need a court decision.

Article 11

The PIN (Personal Identification Number) can be used by the Cardholder to make payment transactions, withdraw cash and/or make other types of transactions. Such other types of transactions will be determined and notified by BCA in any form and through any means in accordance with the applicable law. The Cardholder must maintain the confidentiality of the PIN and must not store the PIN and the Card at the same place. The Cardholder is fully responsible for the use of the PIN and any misuse of the PIN, whether by the Cardholder or by any other party.

Article 12

As long as the Cardholder still has outstanding obligations to BCA in connection with the use of the main Card, the supplementary Card and/or other obligations, the main Cardholder and the supplementary Cardholder hereby authorize BCA to block and/or debit any savings account, current account, time deposit account, reward BCA balance, and/or other accounts owned by the main Cardholder and/or the supplementary Cardholder at BCA, and apply the debited amounts to discharge all of the Cardholder’s debts and obligations to BCA, including among other things, the principal, interest, penalty, court costs, and other fees and charges.

All consequences arising from the debiting of such accounts and reward BCA balance of the main Cardholder and/or the supplementary Cardholder under such authority shall be the full responsibility of the main Cardholder and the supplementary Cardholder.

Article 13

If the Cardholder is a Merchant, BCA reserves the right to suspend any payment, block and/or debit the Merchant's account or set off any unpaid sum as well as its interest, penalties, and other costs and fees against the Merchant’s claims to BCA

Article 14

If the Cardholder agrees to become a credit life insurance customer, BCA will charge the Cardholder for the credit life insurance premium. All the risks to be covered by the insurance company are specified in the insurance certificate and the credit life insurance policy. The insurance policy shall set out that BCA is the appointed beneficiary of the sum insured, which will be applied to settle part or all of the Cardholder's debts and obligations to BCA (banker's clause). The Cardholder hereby states that in the event of any insurance claim, the insurance company shall be fully responsible therefor. The Cardholder hereby holds BCA harmless against any responsibility for the insurance claim.

Article 15

The Cardholder hereby acknowledges that all records, printouts, recordings, communication media, or other evidence in any form held by BCA connected with the transactions made by the Cardholder constitute valid and conclusive evidence binding on the Cardholder, unless proven otherwise.

Article 16

The powers and authority granted under these Terms and Conditions for BCA Credit Card are irrevocable and will not terminate for any reason, including those specified in articles 1813, 1814, and 1816 of the Indonesian Civil Code as long as the Cardholder still has outstanding obligations to BCA arising from the use of the Card.

Article 17

The Cardholder hereby authorizes BCA to provide the Cobrand Partner with the Cardholder’s data and transaction data on the use of the Cobrand Card in connection with the cooperation in the issuance and marketing of the Cobrand Card.

Article 18

Any complaint in connection with the Card may be lodged by the Cardholder through Halo BCA or a BCA branch office. For the purpose of handling such complaint, BCA may require the Cardholder to provide BCA with a copy of the Cardholder's identity card and other supporting documents. If the Cardholder has a complaint/objection related to any transaction printed in the Billing Statement, the complaint/objection must be lodged by the Cardholder with BCA no later than 30 (thirty) calendar days of the Billing Statement print date. BCA has the right not to deal with any complaint/objection received by BCA after the lapse of such period.

Article 19

Upon the termination of the cooperation between BCA and the Cobrand Partner in the issuance and marketing of the Cobrand Card, the Cardholder hereby authorizes BCA to replace the Cobrand Card and the Cobrand Partner in accordance with the provisions applicable at BCA.

The termination of the cooperation between BCA and the Cobrand Partner in the issuance and/or marketing of the Cobrand Card shall not release the Cardholder from all of the Cardholder’s outstanding obligations arising in connection with the use of the Cobrand Card.

Article 20

The Cardholder hereby agrees to comply with and to be bound by the provisions contained in the Terms and Conditions for BCA Credit Cards, the Card application form, the welcome pack, and the Card usage procedure, as well as the terms and conditions for membership of each Cobrand Partner for the Cobrand Cardholder. BCA has the right to modify the provisions contained in these Terms and Conditions for BCA Credit Cards, including but not limited to the provisions regarding interest, penalties, administration fees, credit limits, and Minimum Payment, as well as the provisions contained in the Card application form, the welcome pack, and the Card usage procedure, which will be notified by BCA to the Cardholder in any form and through any means according to the applicable law.

Article 21

1. The Cardholder agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for BCA Credit Cards will be resolved in an amicable manner.
2. Any dispute or difference of opinion that cannot be amicably resolved between BCA and the Cardholder will be resolved through the banking mediation facility at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution included in the List of Alternative Dispute Resolution Institutions established by the Financial Services Authority.
3. Any dispute or difference of opinion that cannot be resolved in an amicable manner and/or by means of the mediation as described in item 2 of this Article, will be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim at any other District Court within the territory of the Republic of Indonesia.

These Terms and Conditions for BCA Credit Cards have been adjusted to the Prevailing Laws and Regulations including Regulations of the Financial Services Authority.