OCBC Nyala Credit Card

Kredit card anda

1. Chip
   Chip berfungsi untuk menyimpan data rahasia Anda serta untuk kenyamanan dan keamanan bertransaksi yang lebih baik.
2. Nama Anda
   Hanya nama yang tercetak di dalam Kartu Kredit yang berhak untuk menggunakannya. Untuk itu periksa nama di dalam kartu kredit Anda dan segera laporkan kepada OCBC bila nama yang tercetak tidak sesuai.
3. Tanggal Berlaku
   Kartu Anda berlaku sejak Anda menerima dan mengaktivasi Kartu Kredit Anda pada bulan yang tercetak pada bagian ini sampai dengan hari terakhir dari bulan yang tercetak pada bagian ini.
4. Nomor Kartu Kredit
   Ini adalah nomor khusus untuk kartu kredit Anda. Cantumkan setiap kali Anda melakukan korespondensi dengan OCBC. Setiap pembayaran atau transaksi apapun dari Kartu Kredit Anda, mohon mencantumkan nomornya dengan jelas.
5. Stiker Tanda Tangan
   Segera tandatangani pada bagian ini begitu menerima Kartu Kredit OCBC. Pastikan tanda tangan Anda sama dengan yang tercantum di dalam Kartu Tanda Penduduk/Kartu Identitas Anda.
6. Magnet Stripe
   Hindarkan bagian ini dari magnet dan jangan tergores karena bagian ini menyimpan data mengenai Kartu Kredit Anda.
7. Call OCBC
   Untuk informasi apapun yang Anda butuhkan mengenai Kartu Kredit OCBC, Anda bisa menghubungi nomor tersebut.
8. Teknologi Nirsentuh (Contactless)
   Kartu Kredit OCBC Nyala Platinum dilengkapi dengan fitur contactless untuk kenyamanan, keamanan dan kecepatan transaksi.

Personal Identification Number
PIN adalah kode rahasia yang diberikan kepada pemegang kartu kredit OCBC, berfungsi untuk transaksi pembelanjaan, tarik tunai atau bill payment di ATM OCBC.
Jagalah PIN Anda dari penyalahgunaan: jangan menuliskan PIN Anda di media apapun, jangan menginformasikan kepada pihak lain termasuk pihak Bank.
Pemegang Kartu dapat mengajukan permohonan PIN melalui Aplikasi OCBC mobile, atau dengan SMS dari nomor handphone Pemegang Kartu yang terdaftar di sistem Kartu Kredit milik Bank dan akan langsung mendapat balasan berupa nomor PIN yang diinginkan.

Format SMS:
OCBC(spasi)SETPINCC(spasi)4 Digit Akhir Kartu Kredit#Tanggal Lahir DDMMYYYY#6 Digit PIN Yang Anda Inginkan
Contoh = OCBC SETPINCC 1234#14121990#180825
Kirim ke 86477

Kelonggaran Waktu Pembayaran
Apabila tanggal jatuh tempo tagihan Kartu Kredit bertepatan pada hari Sabtu/Minggu atau Hari libur Nasional atau Hari Cuti Bersama yang dinyatakan resmi oleh Pemerintah Republik Indonesia, maka Bank OCBC memberikan kelonggaran waktu pembayaran kepada Pemegang Kartu sampai dengan Hari Kerja resmi terdekat sesudahnya.

Kesalahan Pada Lembar Tagihan
Bila Anda meragukan atau tidak mengakui transaksi yang tercetak pada lembar tagihan, segera hubungi Tanya OCBC selambat-lambatnya 45 hari kalender sejak tanggal cetak Lembar Tagihan dan mengajukan melalui surat dengan menginformasikan data-data berikut:

• Nama dan nomor kartu Anda
• Rincian transaksi dan jumlah yang disanggah
• Tanggal transaksi
• Alasan sanggahan
• Tanda tangan Anda
• Surat Sanggahan harap dikirimkan ke:
  OCBC Card Center
  PT. Bank OCBC NISP Tbk.
  Unsecured Loan Division
  Jl. Gunung Sahari 7 No. 36 (Gedung Gunsa 3) Jakarta Pusat 10720

Transaksi di Luar negeri
Setiap transaksi yang dilakukan dengan menggunakan mata uang asing akan dikonversikan ke dalam Rupiah pada tanggal pembukuan berdasarkan nilai tukar yang ditetapkan oleh Bank OCBC dan VISA atau MasterCard International. Perbedaan nilai tukar dimungkinkan karena adanya fluktuasi perubahan nilai tukar.

Kartu Hilang atau Dicuri
Segera laporkan kehilangan Kartu Kredit Anda ke Tanya OCBC. Setiap transaksi yang terjadi sebelum adanya laporan kepada pihak Bank, akan menjadi tanggung jawab Anda sepenuhnya. Hubungi Tanya OCBC 1500-999.

Pemindahan Saldo Terhutang
Bank OCBC berhak memindahkan saldo terhutang kepada pihak ketiga.

Penutupan dan Pembatalan Kartu
Kartu kredit Anda akan diperpanjang secara otomatis. Bila Anda ingin membatalkan kepesertaan, Anda wajib memberitahukannya kepada kami selambat-lambatnya 1 (satu) bulan sebelum masa berlaku kartu kredit Anda berakhir.
Dengan pertimbangan tertentu, Bank OCBC berhak tidak memperpanjang masa berlaku kartu kredit Anda.
Bank OCBC juga berhak setiap saat membatalkan kartu kredit Anda bila catatan rekening kartu Anda tidak baik ataupun karena sebab lainnya.

Ikatan Syarat dan Ketentuan
Dengan menandatangani dan menggunakan kartu kredit Anda, maka Anda telah terikat dengan syarat dan ketentuan yang ditetapkan oleh Bank OCBC. Untuk itu disarankan agar Anda memahami informasi yang terdapat di Syarat dan Ketentuan pada ocbc.id/welcomepack. Bila tidak jelas dengan informasi di dalamnya, Anda bisa menghubungi layanan 24 jam Tanya OCBC.

Conditions for Submitting OCBC Nyala Platinum Credit Cards

OCBC berhak menentukan besarnya pagu kredit dan jenis Kartu yang akan diberikan oleh OCBC kepada Pemegang Kartu

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.