OCBC 90°N Credit Card

Enjoy a seamless travel experience and earn miles faster with your OCBC 90°NCard

Here are the features of the 90°N Credit Card

1. Travel miles for every transaction
   Use your OCBC 90°N Credit Card and earn 1 Travel Miles for every IDR12,000
   (Domestic) and IDR 10,000 ( Overseas ) spent with your OCBC 90N Credit Card
2. Double miles for Overseas Transactions
   Earn 2x Travel Miles for every transaction at Restaurants, Transportation, Lodging, and Airlines Abroad. Maximum 500 Travel Miles per month
3. Bonus miles
   Monthly bonus of 1,000 Travel Miles with a minimum bill of IDR 60 million per bill/cycle
4. Frequent Flyer
   • 1 Travel Miles = 1,05 GarudaMiles /1 KrisFlyer/1 AirAsia points
   • Travel Miles redemption via Raih.id (via OCBC mobile or Website).
5. AiIDRort Lounge Access Compliment
   Enjoy complimentary aiIDRort lounge access 2 times per year at Plaza Premium lounge, Terminal 3 International and access to more than 1,300 aiIDRort lounges in more than 130 countries via the DragonPass app (valid for Basic Card & Supplementary Card)

Simulation of earning Double Travel Miles

*Maximum Earning of 500 Travel Miles/month (maximum transaction of IDR 2,000,000/month)

Program Welcome Bonus 13.000 Miles

For new customers, enjoy the 13,000 (Thirteen Thousand) Travel Miles Welcome Bonus.

• Program Period: 1 July - 31 December 2025
• Welcome Bonus of 13,000 Travel Miles is only awarded to the 90°N Credit Card as Primary Card.
• The Welcome Bonus Program is valid for:
  1. Customers who have never had an OCBC 90°N Credit Card as Primary Card
  2. Customers who have previously held another OCBC Credit Card*
  3. Customers who hold a OCBC 90°N Credit Card as Supplementary Card*

     Note:

     *) If the Credit Card ownership in points 2 & 3 is in the following conditions:

     • Sudah ditutup saat pengajuan Kartu Kredit 90°N sebagai Kartu Utama disetujui, atau
     • Belum pernah diaktivasi saat Kartu Kredit Utama 90°N sebagai Kartu Utama disetujui
• Activated but never used at all when the 90°N Primary Credit Card was approved
• The Welcome Bonus Program is not valid for customers who have previously had an OCBC 90°N Credit Card as Primary Card, even if it has been closed upon approval of a new one.
• The OCBC 90°N Credit Card must be activated within 2 months from approval.
  For example, if the OCBC 90°N Credit Card is approved on 15 January 2025, then the OCBC 90°N Credit Card must be activated by 15 March 2025.
• The transaction period is 3 months from the date the OCBC 90°N Credit Card is activated.
• Customers are required to make a minimum transaction of IDR40,000,000 during the transaction period, with a minimum monthly transaction of IDR10,000,000.

Simulation:
Date 90°N Credit Card Approval: January 15 2025
Date 90°N Credit Card Activation: March 15 2025
Therefore, the transaction period is March 15 2025, to June 14 2025, with the following details:

90N Credit Card activated 15 Mar’25	1st month 15 Mar’25 - 14 Apr'25	2nd month 15 Apr'25 - 14 May'25	3rd month 15 May'25 - 14 Jun'25	Accumulation 15 Mar’25 - 14 Jun'25
Transaction Value	IDR 15.000.000	IDR 10.000.000	IDR 15.000.000	IDR 40.000.000




 

• Welcome Bonus will be awarded at the end of the 4th month from the date the Credit Card is activated

  Example:

  Credit Card activated date: March 15, 2025

  Maximum Welcome Bonus issuance date: July 31 2025

• When crediting the Welcome Bonus, make sure the credit card status must be active and not in arrears
• The Welcome Bonus Program is not valid for the bundling segment of mortgages(KPR).
• The Bank reserves the right to cancel the provision of the Welcome Bonus if there is an indication of fraud
• To receive the Welcome Bonus, customers must claim it via SMS to 86477 using the mobile phone number registered with the Bank. Claims must be made no later than the end of the third month after the 90N Credit Card is activated, using the format:

  OCBC(space)BONUS90N(space)4 last digits of credit card number

  Example:

  Description	Date & Format
  90°N Credit Card Activation Date	5 March 2025
  Maximum date for SMS claim	30 June 25
  SMS Claim Format	OCBC BONUS90N 1234

  
  

   

Make sure the Customer receives a reply message regarding the Welcome Bonus program from 86477. If they do not receive a reply, the Customer can immediately contact TANYA OCBC at 1500-999.

For futher information, click https://www.ocbc.id/cashbacknew

Travel Miles for every transaction

Earn 1 (one) Travel Miles for every IDR 10,000 (Ten thousand rupiah) overseas retail transaction and every IDR 12,000 (Twelve thousand Rupiah) domestic retail transaction

1. Spending transactions that earn Travel Miles are retail spending transactions of the main Credit Card and supplement Credit Cards that have been booked in the Bank's system and exclude all installment transactions, cash withdrawals, Loan on Phone and cancelled transactions.
2. Transactions that Do Not earn Travel Miles are as follows:
   • All installment transaction
   • Cash withdrawl
   • Loan on Phone
   • Cancelled transaction
   • Monthly bill payment transactions and government agency services:
     • Payment at State Electricity Company (PLN)
     • Payments at Drinking Water Company (PAM)
     • Payments of Online Taxes
     • Payments of Customs duty
     • Payments of BPJS
     • Other government agency payments through e-commerce platforms
     • Payments for tuition fees (school, university, or courses)
     • Payments of Digital advertising service transactions
3. Types of transactions that are not calculated in this program include the following transactions:
   • Cash advance transactions and Loan on Phone (LOP)
   • All fees related to credit cards
   • Current installment transactions
   • Disclaimer transactions, double postings, canceled transactions, and recurring payments
4. Double Travel Miles for overseas transactions at Restaurants, Transportation, Hotels, and Flights (maximum 500 Travel Miles per bill).
5. The maximum limit of your Travel Miles earned in each billing period is calculated based on:

   Your card's Credit Limit (permanent*) ÷ IDR 12 Thousand Travel Miles Earned Value.

   With the following illustration of the maximum Travel Miles earned per Billing Period:

   Illustration of Calculation Per Billing Period
   Limit Credit Card	Maximum Travel Miles Earned
   IDR20 million	IDR20 million ÷ IDR12 thousand = 1.667 Travel Miles
   IDR250 million	IDR250 million ÷ IDR12 thousand = 20.833 Travel Miles
   IDR500 million	IDR500 million ÷ IDR12 thousand = 41.667 Travel Miles

   
   

    

6. Travel Miles are valid for 1 year from the date of acquisition
7. The number of Travel Miles is the sum of the Primary Credit Card and Additional Credit Card transactions.
8. Travel Miles which can be seen in the Miles balance column on the billing statement, OCBC mobile and www.raih.id
9. Information on the number of Travel Miles and validity period can be seen directly on the OCBC mobile and www.raih.id
10. Travel Miles When redeeming Travel Miles, make sure the credit card is active and unblocked.
11. Foreign transactions are transactions recorded in foreign currencies other than Rupiah (IDR).
12. Travel Miles will be credited a maximum of 1 month after the transaction is posted on the Bank's system.
13. Travel Miles are only awarded on your primary credit card with a current and unblocked payment status.
14. That the Bank has the right to debit the previously credited Travel Miles if the customer converts the transaction into installments or does not meet the conditions.
15. For more information, please contact Tanya OCBC at 1500-999.

Redemption Travel Miles

Travel Miles can be redeemed through OCBC mobile and raih.id website

Here is information on the steps to exchange www.ocbc.id/travelmiles

Here are the redemption values:

1. The conversion of 1 (one) Travel Miles is equal to 1 KrisFlyer (Singapore Airlines)/ 1.05 GarudaMiles (Garuda Indonesia)/ 1 AirAsia points (Air Asia). Redemption can only be processed if the name on the member airlines is the same as the name of the credit card holder.
2. Travel Miles can be used to reduce transactions (rebates)
   Worth 2,500 Travel Miles = IDR 100,000

    

3. Travel Miles to Poinseru
   Worth 1,000 = 3,000 Poinseru
4. Travel Miles for annual contthousand tion payments
   1. 25,000 Travel Miles for 1 year free of charge (main card)
   2. 12,500 Travel Miles for 1 year fee-free (supplement card)

Simulation of new customers to get IDR 2,913 = 1 Travel Miles (overseas transactions), with the following calculation:

*17.000 Travel Miles = 17.000 Krisflyer

1. Exchange rate of 17,000 Krisflyer = 1 Ticket from Jakarta to Singapore (Round Trip, Economy Class - Saver) using Singapore Airlines
2. Redemption from Travel Miles to Krisflyer can be done through Raih.id which can be accessed through the browser or OCBC mobile application

General Terms and Conditions of the Welcome Bonus and Travel Miles Activation Program

1. The Activation and Welcome Bonus Program ("Terms and Conditions") has been adjusted to the provisions of laws and regulations including the provisions of the Financial Services Authority's regulations.
2. Travel Miles cannot be given or transferred to another person
3. Travel Miles that have been redeemed cannot be redeemed for any reason.
4. Travel Miles that have expired, cannot be extended, used or returned for any reason.
5. Customers who redeem Travel Miles and fail due to reasons from the merchant, Travel Miles will be refunded a few Travel Miles that have not expired in the redemption period, with a refund process of 14 working days.
6. The Bank reserves the right to refuse redemption of reward points and/or mileage and/or cash back if the Cardholder violates these Terms and Conditions, or the Cardholder has terminated/closed the relevant Credit Card or is participating in a risk mitigation program or payment settlement program or another similar program.
7. The Bank reserves the right to debit the reward points and/or mileage and/or cash back credited in advance if the Cardholder converts the transaction into instalments or does not meet the conditions.
8. Expired Travel Miles cannot be refunded if they have been redeemed, and the transaction fails.
   Example: The customer redeems 5000 Travel Miles on June 29, 2024, where there are 400 Travel Miles that will expire on June 30, 2024. The merchant confirms on July 2, 2024, that the item is empty and cannot be processed, then the returned Travel Miles are 4600 Travel Mileage
9. For mileage redemption, the registered membership card must be the same as the customer's profile data at OCBC. OCBC reserves the right to cancel the redemption of Travel Miles if the name on the profile at OCBC and on the member miles card is different.
10. If you see the number of Travel Miles "0" on OCBC mobile or raih.id, then there are 2 possibilities:
    1. You have not made a transaction that meets the requirements for accumulating points (no Travel Miles have been accumulated), or
    2. There is an adjustment of Travel Miles for the amount of points earned because your transaction is canceled or converted into installments.
11. OCBC, at its discretion and consideration, reserves the right to suspend or cancel the awarding of prizes if there is an indication of fraud, impropriety or violation of these Terms and Conditions.
12. OCBC has the right and authority to amend, add and/or reduce these Terms and Conditions by notification through the media that OCBC deems appropriate by taking into account the provisions and applicable laws and regulations.
13. OCBC never asks for the Customer's PIN, OTP, user ID, Password and CVV for any reason through any means including telephone or link. Keep your Banking personal data information safe. If the Customer finds anything suspicious, immediately contact TANYA OCBC at 1500-999 / +62-21-26506300 (from overseas) or email: tanya@ocbc.id
14. All complaints and complaints in connection with the redemption of Travel Miles are submitted to OCBC via 24 (twenty-four) hour service to Ask OCBC 1500-999 and/or email to tanya@ocbc.id;
15. Complaints and complaints as per point 11 are submitted to OCBC no later than 1 (one) week after the redemption of Travel Miles. Complaints received by OCBC after the deadline will not be followed up.
16. If there are any questions about the products exchanged, other than products from OCBC, customers can directly contact the brand/merchant concerned.
17. PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority & Bank Indonesia and is a participant in the LPS guarantee.