24 Apr 2020 | News & Features

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

*Update: 26 June 2024

In order to support government policies to maintain stability and encourage growth as stated in Bank Indonesia Press Release no.26/12/DKom,

BCA participates in enforcing credit card administration policies, regarding minimum payment limits and late payment fines for BCA Credit Cards with the following adjustments:

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 Dec 2024

Late Fees

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

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

Until 31 Dec 2024

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.