Special Package for Senior Professional Accountants

Benefit 1: Free annual fee for the first 2 years (only for primary/basic cards)

• Applicable for new applications of the Main Card.  
• Applicable for all types and categories of BCA Credit Cards, except: BCA AMEX Platinum, BCA Mastercard World, BCA Singapore Airlines, and BCA Corporate Card.  
• Cannot be combined with other promotions.
• Using Promo Code, CPNSML: for applications through branches, SML: for online applications

Benefit 2: Cashback of up to IDR1 million with a minimum transaction requirement and online application.

• Link to apply: https://webform.bca.co.id/applycc/#/?campaign_id=IPSML  
• Program period until December 31, 2024  
• Cashback of IDR500,000 
  • Applicable for cards: BCA Everyday Card, BCA Mastercard Globe Credit Card, BCA Visa Batman, BCA UnionPay, BCA Blibli, BCA tiket.com 
  • Requirements: Minimum transaction of IDR1,000,000 within the first month after the card is approved  

• Cashback of IDR1,000,000 
  • Applicable for cards: BCA Card Platinum, BCA JCB Black, BCA Mastercard Black, BCA Singapore Airlines, BCA Visa Black 
  • Requirements: Minimum transaction of IDR2,000,000 within the first month after the card is approved 
  • No annual fee for the first year applies to a maximum of 2 Primary Cards and 2 Additional Members, with a maximum of 2 Additional Cards each. (tidak berlaku untuk Kartu kredit BCA Singapore Airlines Krisflyer Infinite).
  • Applicable for new applications (customers who have never had a BCA Credit Card), through the BCA -Online Application platform, with the link: https://webform.bca.co.id/applycc/#/?campaign_id=IPSML 
  • Applicable for applications of all types of BCA Credit Cards, except for BCA Visa Corporate, BCA Smartcash, and BCA AMEX Platinum.
  • Cashback will be given in the form of a discount on the BCA credit card bill, with the amount corresponding to the card level.
  • Cashback will be credited to the customer no later than 2 months after meeting all the requirements.
• The promotion is not valid for applications through Direct Sales and Telemarketing. 
• It cannot be combined with other promotions.

• Promotion Program for Full Amount OR Transactions via KlikBCA Individual (KBI)  
  100% Cashback on Telex Fees (maximum IDR35,000) for Full Amount OR transactions with Rupiah as the funding source, using underlying documents/supporting documents, specifically for the use of the Business Document upload feature. (Promo Code: PAKAIKBI)  

• Promotion Program for Local Currency Settlement (LCS) OR Transactions  
  100% Cashback on Telex Fees (maximum IDR50,000) for each LCS OR transaction in MYR, THB, and CNY with Rupiah as the funding source.

Debit transactions and cash withdrawals abroad from the Foreign Currency Pocket with the BCA Mastercard Debit card without currency conversion to IDR.

• Individual customers who are Indonesian citizens.  
• Customers are users of myBCA with financial access.
• Having a BCA account to be used as a primary account with the following criteria:
• Account type: Tahapan and Tahapan Gold
• Not a joint account
• Connected to the customer's BCA ID
• Does not have an active foreign currency pocket in other BCA accounts.

Benefit 1: Cashback up to IDR500,000

• With a minimum transaction of IDR500,000, you can obtain mutual fund participation units worth IDR100,000. (berlaku kelipatan max Rp500 ribu).
• Applicable for new investors.
• Applicable for transactions across all channels and all Mutual Fund products of the Investment Manager.
• There is a holding period (no redemption or switching out) after the purchase transaction of the product.
• For the validation of this program, it is mandatory to include the unique code "111" at the end of the purchase transaction amount. (ex: IDR500,111)
• The gift cannot be exchanged for cash or transferred.
• The gift tax will be borne by BCA in accordance with the applicable tax regulations.
• The cut-off time for mutual fund transactions follows the applicable policies.
• Valid until September 30, 2024.

Benefit 2: No subscription fee for Mutual Funds in the WELMA feature on myBCA.

• Promo Period: Until December 31, 2024  
• This program applies to Purchase / Periodic Purchase transactions through the Welma feature in the myBCA App.  
• Specifically for Periodic Purchase transactions, the following provisions apply:  
  • Purchases that receive the benefit of no fees are only those processed during the program period.  
  • Purchases made after the program period will incur the applicable transaction fees at that time.
• For products that have the following minimum transaction fee requirements, they will still apply according to the terms of the product:
  • Schroder Prestasi Gebyar Indonesia II  
  • Batavia Technology Sharia Equity USD  
  • Batavia Global ESG Sharia Equity USD  
  • Manulife Sharia Equity Asia Pacific US Dollar  
• Transaction fees for the Transfer and Redemption of Mutual Funds through the Welma feature in the myBCA application are in accordance with the applicable regulations in the application.
• Specifically for the purchase of Mutual Funds on December 31, 2024, transactions and payments must be completed before 1:00 PM WIB.

Benefit 1: Cashback of up to IDR16.5 million for BCA Life Heritage Protection products.

• Applicable for annual premiums ranging from IDR25 million to IDR300 million. Applicable for policy payments made annually/single.
• The program cannot be combined with other programs that are currently running.
• For single payments, the premium calculated to obtain cashback is 10% of the single premium.
• The cashback will be processed by BCA Life to the payor's account with an estimated timeframe of 60 calendar days from the policy being in force. The tax on the cashback will be borne by BCA Life.
• Police regulations issued on October 7, 2024.

Benefit 2:
1. 10% discount on BCAinsurance Travel Insurance
2. 7.5% discount on BCAinsurance Fire Insurance

• Applicable to all customers. A premium discount is available for the purchase of new policies in 2024 or for the renewal of policies purchased in 2023. 
• For membership customers (Solitaire/Prioritas), there is a special benefit, which is a travel insurance premium discount of up to 15%.

Special Interest Rate, Discount on Admin Fees, Discount on Provision Fees, and Pre-Approved Home Loans.

• Period until November 30, 2024  
• Realization deadline until January 31, 2025  
• This program is part of the BCA Expo 2024 promotion  
• Special interest rate of 1.45% (fixed for 1 year) follows the 2024 Merdeka Mortgage Interest Rate Program and the provisions of the 2024 Merdeka Mortgage Interest Rate Program.
• A 17% discount on administrative fees and a 79% discount on administrative fees specifically for applications made through e-form at bca.co.id or rumahsaya.bca.co.id. An 8% discount on life insurance premiums. A 45% discount on provisions. Pre-approved amounts based on analysis.

KKB Program While Saving  
Benefit 1: 0% Down Payment specifically for new passenger cars, with the condition of agreeing to block funds in a certain amount.

• 0% down payment specifically for new passenger cars.
• This program is for individual and corporate customers and is applicable nationwide.
• This program is offered to BCA customers under the condition that the customer agrees to block their funds with a certain amount and signs the Fund Blocking Request Power of Attorney, Approval of Power of Attorney, and Disbursement to BCA Finance. Fund blocking can only be done on BCA savings accounts with the following types of savings products: Tahapan/Tahapan Gold, Tahapan Xpresi, Tapres, Giro, and Tabunganku. 
• This program is valid for the purchase of new passenger vehicles until January 31, 2025.

  Tenor	Installment Block Amount	Blocking Period
  1 year	3 times installments	3 months
  2 year	5 times installments	5 months
  3 year	7 times installments	8 months
  4 year	9 times installments	11 months
  5 year	9 times installments	15 months
  Fix N Cap 5 year	10 times installments	15 months
  Fix N Cap 6 year	11 times installments	19 months

Benefit 2: Pre-Approval up to 1 million

• Purchase of a new car and refinancing for passengers with a minimum down payment of 20%, specifically for individual consumers.
• Not applicable to Chinese brands (except Wuling and Chery), Indian brands, Korean brands (except Hyundai and KIA), Malaysian brands, and Super Cars. 
• Effective from January 1, 2024, to December 31, 2024.