OCBC Nyala Credit Card

Your Credit Card

1. Chip
   The chip stores your confidential data and offers greater security and convenience in making transactions.
2. Your Name
   Only the person whose name is printed on the Credit Card shall be entitled to use it. Therefore, please check the name on your credit card and report immediately to OCBC if it is incorrect.
3. Expiry Date
   Your Card is effective as from the date you receive and activate your Credit Card in the month up to the last day of the month and year printed on this part.
4. Credit Card Number
   This is a unique series of number for your credit card. Please indicate these numbers in every correspondence with OCBC. Please clearly indicate these numbers for each payment or transaction of your Credit Card.
5. Signature Sticker
   As soon as you receive OCBC Credit Card, please immediately sign on this part. Make sure your signature matches to the one on your Identity Card.
6. Magnet Stripe
   Please keep this part away from magnet and do not scratch this part since it stores your Credit Card data.
7. Tanya OCBC
   For any information you need concerning OCBC Credit Card, you can call this number.
8. Contactless Technology
   OCBC Platinum Credit Card is equipped with a contactless feature for convenience, security and speed of transactions.

Personal Identification
NumberPIN is a secret code given to OCBC credit card holders, which is used for shopping, cash withdrawal or bill payment transactions at OCBC ATMs. Keep your PIN from misuse: do not write your PIN in any media, do not inform other parties including the Bank.Cardholders can apply for a PIN through the OCBC mobile application, or by SMS from the Cardholder's mobile number registered in the Bank's Credit Card system and will immediately receive a reply in the form of the desired PIN number.

SMS Format:
OCBC(space)SETPINCC(space)4 Digits of Credit Card End#Date of Birth DDMMYYY#6 Digit PIN You WantExample = OCBC SETPINCC 1234#14121990#180825Send to 86477

Payment Grace Period
The Credit Card bill due date coincides with Saturday/Sunday or a National Holiday or Joint Leave Day officially declared by the Government of the Republic of Indonesia, Bank OCBC will provide the Cardholder with a payment time allowance until the nearest official working day thereafter.

Billing error
If you doubt or do not acknowledge the transaction printed on the bill, immediately contact Ask OCBC no later than 45 calendar days from the date of printing the Billsheet and submit by mail informing the following data:

• Your name and card number
• Transaction details and disputed amounts
• Transaction date
• Reasons for the rebuttal
• Your signature
• Please send a rebuttal letter to:
  OCBC Card CenterPT. Bank OCBC NISP Tbk.Unsecured Loan Division
  Jl. Gunung Sahari 7 No. 36 (Gedung Gunsa 3) Central Jakarta 10720

Overseas Transactions
Any transaction made using foreign currency will be converted into Rupiah on the date of publication based on the exchange rate set by Bank OCBC and VISA or MasterCard International. The difference in the exchange rate is possible due to fluctuations in exchange rate changes.

Lost or Stolen Card
Immediately report your lost Credit Card to Ask OCBC. Any transaction that occurs before the report to the Bank, will be your full responsibility. Contact Tanya OCBC 1500-999.

Transfer of Outstanding Balances
Bank OCBC reserves the right to transfer the outstanding balance to a third party.

Card Closure and Cancellation
Your credit card will renew automatically. If you wish to cancel your membership, you must notify us no later than 1 (one) month before the expiration of your credit card.
Subject to certain considerations, Bank OCBC reserves the right not to extend the validity period of your credit card. Bank OCBC also reserves the right to cancel your credit card at any time if your card account records are not good or for other reasons.

Terms and Conditions Binding
Signing and using your credit card, you are bound by the terms and conditions set by Bank OCBC. For this reason, it is recommended that you understand the information contained in the Terms and Conditions on ocbc.id/welcomepack. If you are not clear with the information in it, you can contact OCBC's 24-hour Ask a Service.

Conditions for Submitting OCBC Nyala Platinum Credit Cards

• Have a Nyala savings Account (If you don't have an OCBC account yet, the Nyala OCBC Platinum credit card can be submitted at the same time as the opening of the NYALA service on OCBC mobile)
• Minimum 21 years for major cardholders
• Minimum 17 years for additional card holders
• Minimum IDR 3 million per month or annual income of IDR 36 million
• Citizen or foreigner

Terms & conditions to know

• Fill out the OCBC NISP account opening form
• Bring ID card and NPWP card
• Select 1 base currency that will be the primary currency
• Other currencies will be formed automatically
• The initial deposit adjusts the selected base currency

OCBC has the right to determine the amount of credit limit and type of Card that will be given by OCBC to the Cardholder.

BENEFIT FOR ONLINE TRANSACTION

Cashback 10% + 10% for online transactions anywhere throughout the year up to IDR200,000 per billing statement*

*Effective billing December 2024

Terms and Conditions Program:

• The amount of cashback given is according to the tiering below:

Retail Minimum Transaction	Online Transaction		Additional Cashback for Subscription Transactions		Maximal Cashback per Billing Statement
	Cashback	Maximum Cashback	Cashback	Maximum Cashback
IDR2,5 – 5 million	3%	IDR50,000	3%	IDR50,000	IDR100,000
>IDR5 million	10%	IDR100,000	10%	IDR100,000	IDR200,000

• Make any retail transaction (either online and/or offline) with a minimum transaction accumulation of IDR 2.5 million in one billing period.
• Get cashback up to 10% with a maximum of IDR100,000 for online transactions per billing period.
• Get additional cashback up to 10% (maximum IDR100,000 per billing period) by making subscription transactions on Netflix, Spotify, Amazon Prime Video, HBO Go, Vidio, Disney Hotstar, and  iQiyi. Subscription transactions for these applications through other platforms such as Google Play or Apple AppStore are not counted as subscription transactions that will get additional cashback.
• Additional cashback is only given to cardholders who make a minimum retail transaction of IDR2,5 million in 1 (one) billing period.
• Transactions that will not be counted either to get cashback or retail transaction accumulation are as follows:
  • Payment of Perusahaan Listrik Negara (PLN)
  • Payment of Perusahaan Air Minum (PAM)
  • Online Tax
  • Bea Cukai
  • Payment of BPJS, and
  • Payment of other government agencies through e-commerce platforms
• Cashback will be credited to the credit card in the next billing period.
• The Bank in accordance with the bank's policy and/or analysis may refuse to provide or withdraw Cashback if there is an indication of fraud committed in the use of this program.

Note: PT Bank OCBC NISP Tbk. (“OCBC”) has the right and authority to change, add and/or reduce the provisions in these Terms and Conditions by written notification at the Bank OCBC office or other media determined by Bank OCBC taking into account the provisions and laws and regulations. valid invitation. These Terms and Conditions are an integral and inseparable part of the General Credit Card Terms and Conditions.

FREE ANNUAL FEE

The second year and so on are free annual fees if the total main card and additional cards minimum transactions of IDR 40 million in the previous 1 year or Main Card to become a Pro Nyala Customer (AUM >= IDR 25 Million)

0% INSTALLMENT

All transaction can be changed to 0% installment 3 months without transaction or 0,5% up to 36 months via OCBC mobile

Semua transaksi bisa di ubah menjadi cicilan 0% selama 3 bulan tanpa minimum transaksi atau 0,5% hingga 36 bulan melalui OCBC mobile.
Caranya:

• Login into OCBC mobile Application
• On the ‘Loan’ tab, choose your Credit Card type
• Click ‘Convert to installment’ on the respective transaction
• Choose the Instalment and tenure that you want, then click ‘Continue’
• Input ‘Transaction PIN’
• Your Installment request has been successfully submitted. Confirmation will be sent through Email.

Low Rate Installment

All transactions can be converted into 0% installments for 3 months without a minimum transaction or 0.5% up to 36 months via OCBC mobile.

• Login OCBC mobile
• Click 'Financial' and select 'loan'
• Select 'Credit Card' and click the transaction that will be convert into installments
• Enter the Transaction PIN
• Finished

Contactless Feature

Easier payments with contactless features and accepted Worldwide. OCBC Nyala Platinum Credit Card is equipped with contactless features for convenience, security and faster transaction.

Accepted Worldwide

OCBC Nyala Platinum is accepted worldwide with more than 29 Millions merchants and service partners that collaborate with Mastercard international.

Worldwide Access to your fund

Apart from being able to do fund withdrawal in all OCBC Branches, OCBC Nyala Platinum Credit Card can also be used for fund withdrawal in more than 1 Million ATMs worldwide, 24 hours a day and 7 days a week. You can withdraw up to 70% of your OCBC NISP Platinum credit card limit.

Bill Payment Facility

Your OCBC Credit Card can be used to pay recurring utilities payment such as TELKOM, PLN, PAM, TV Subscription, IPL (building maintenance fee), and Insurance by:

1. OCBC Bill
   Register your recurring bill for service providers in agreement with OCBC by contacting Tanya OCBC 1500999 or your Relationship Manager. More information, click here
2. OCBC ATM
   Visit the nearest OCBC ATM and choose “Payment / Purchase / Cash Advance” menu using your credit card PIN. If you do not have your PIN yet, please create your PIN immediately. More info visit www.ocbc.id/pin

Bill payment flexibility

Your OCBC credit card payment can be done by paying the minimum 5% of the total bill or IDR 50,000 (whichever is higher).

Payment methods

You can pay your bill by various methods:

• Via OCBC ATMs all over Indonesia
• Internet Banking and Mobile Banking OCBC Bank
• Cash deposit in all OCBC branches
• Direct Debit by signing standing instruction in all OCBC Bank branches
• Lalu Lintas Giro (LLG)/Clearing
• Over booking from OCBC NISP savings account/Giro in all OCBC branches
• Transfer via ATM Bersama or ATM Prima

Call OCBC

We are ready to serve you 24 hours a day 7 days a week to get information about Nyala Credit Card OCBC Platinum at 1500-999.

Interest and Fees

Annual fee (free of the first year fee)	Main Card IDR 600,000 per year, Supplementary Card IDR 300,000 per year
Retail Interest	1.75% per month, 21% per year
Cash Advance Interest	1.75% per month, 21% per year
Minimum Payment	5% of the bill or a minimum of IDR50,000 (Until 31 December 2025 or always binding with Bank Indonesia regulations)
Cash Advance Fee	6% or a minimum of IDR 100,000 (whichever is greater)
Late Payment Fee (Late Charge)	1% of the total bill, minimum IDR 50,000 and maximum IDR 100,000 (Until 31 December 2025 or always binding with Bank Indonesia regulations)
Over-limit Fee	6% of the excess limit, a minimum of IDR 100,000 and a maximum of IDR 250,000
Lost/Damage Card Replacement Fee	IDR 200,000 (effective 1 August 2025)
Billing Statement Delivery Charge	IDR 12,500 per billing
Transaction Copy Request Fee	Transaction Note IDR 50,000 , Monthly Bill IDR 30,000, and Declined Check / Giro Fee IDR 25,000
Duty Stamp Charged for Payments with Certain Amount	Payment amounted above IDR 5,000,000 will be charge Duty Stamp IDR 10,000
Credit Card Payment Costs through Teller at OCBC Branch	IDR 10,000
Installment Request Fee	Through OCBC mobile Application or other channels IDR 15,000 per transaction Through Contact Center – Tanya OCBC IDR 20,000 per transaction
Installment Payment Cancellation/Acceleration Fee	IDR 200,000 per transaction
Transfer fee	IDR 10,000 to OCBC account IDR 25 thousand to another bank account
E-Statement via Email Fee Request Increase Limit Fee Notification Charges	IDR 5,000 per bill per month IDR 50,000 per request IDR10,000 per bill per month
Important Information	In accordance with Bank Indonesia Regulation, Customers are not permitted to use Credit Cards for cash withdrawal transactions at merchants. Beware of fraud in the name of Bank OCBC. We never ask for your confidential data, such as PIN, Password, Passcode / OTP and User ID.

Interest Calculation for Shopping Transactions (Retail):
Interest will be charged if the Cardholder pays less than the total new bill, or pays after the Due Date. Interest for Shopping Transactions is calculated based on the Posting Date (Posting Date) of the transactions made. The interest rates that apply to purchase transactions are listed on the Billing Sheet. Unpaid costs, penalties, or interest are not included in the interest calculation component. Interest will be charged on the next billing sheet. For a complete interest calculation can be seen in the illustration of credit card interest calculations.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Date of Cash Advance until the date of full payment of the Cash Advance transaction. The interest rates that apply to Cash Withdrawal transactions are listed on the Billing Sheet. Unpaid costs, penalties, or interest are not included in the interest calculation component. For a complete interest calculation can be seen in the illustration of the Credit Card Interest Calculation.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

1. Rounding of calculations.
2. The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The example of calculation of interest on Cash Advance transactions:
The Cash Advance transaction of IDR 1,000,000 is made and recorded on March 8, 2020. The Billing Statement print date is March 10, 2020. The Due Date is April 2, 2020.

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 2,215 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

** This illustration uses the calculation of the Titanium Credit Card due date
*** The interest calculation for the Cash Advance transaction was billed in April 2020 as follows:

Difference of days = (10 - 8) + 1 = 3, Interest = IDR 1,000,000 x 3 x (2,245% x 12 months) / 365 = IDR 2,215

Personal Identification Number(PIN)

PIN is a secret code given to OCBC credit card holders, functioning for offline shopping transactions, cash withdrawals or bill payments at OCBC ATMs.

Get your 6 digit OCBC Credit Card PIN by following:

1. OCBC mobile Application Download the latest version of OCBC mobile OCBC and follow the steps below:
   • Log in with your User ID and Password
   • Click "What You Owe"
   • Choose Card
   • Click "Create/Change PIN"
   • Set your PIN and reconfirm
   • PIN successfully set
2. SMS Sending SMS to 86477^* with SMS Format: OCBC[space]SETPINCC[space]Last 4 Digit Credit Card#Date of Birth DDMMYYYY#Your 6 Digit PIN
   For Example: OCBC SETPINCC 1234#14121990#180825

Notes:

1. Create PIN through OCBC mobile only for Basic Card Holder
2. Create PIN through SMS for Basic and Supplement Card Holder using the registered telephone number on the Bank

IMPORTANT TO NOTE!

The OCBC Credit Card is equipped with the 3D Secure feature for the convenience and security of your online transactions. Make sure the cellphone number that you are using matches the number that is registered in the Bank's system.

Be careful of fraud in the name of OCBC. OCBC has never authorized any party (including OCBC staff) to:

1. Take back your Credit Card for any reason.
2. Request confidential data such as User ID, PIN, Password, Passcode/OTP and CVV for any reason.