OCBC Platinum
Elevate Your Discoveries

Credit Card that gives Reward Points for each transaction

Get Poinseru

Transaction of IDR 10,000 gets 1 Poinseru

Flexible Options For Point Redemption

Redeemed anytime and anywhere at www.raih.id

Partner Merchants Offers

Special offers in Indonesia, Singapore & Malaysia

Other benefits


Cash Out Remaining Limit

Now you can withdraw the remaining credit card limit directly into your savings account with interest up to 0% via OCBC mobile.
Info: web.ocbc.id/cairlimitcc


Taking the MRT abroad just TAP

With the Contactless feature, valid in countries and transportation companies that accept payments by Credit Card and contactless


Contactless Feature

Equipped with contactless features for convenience, security & faster transaction


Accepted Worldwide

Shopping at more than 29 million merchants and Visa partners


Access Cash Worldwide

Free cash withdrawals anytime at more than 1 million ATMs worldwide


Bill Payment Facility

Paying various monthly bills is easier and more practical


Pay Flexible Bills

Payment of credit card bills of at least 10% of the total bill


Paying Easy Bills

Pay bills through ATMs, Internet Banking, Cash Deposits & others


24/7 service

Ready to serve customer for OCBC Platinum Credit Card information


Exchange Poinseru Easily

Exchange Poinseru through www.poinseru.com


Easy transaction via Alipay/Weixin Pay with OCBC Credit Card

Now traveling abroad is easier because you can transact on Alipay & Weixin Pay with OCBC Credit Card. Info: web.ocbc.id/trxchina



    Interest and Fees

    Your credit card

    Information in the Invoice Sheet

    Credit Card General Terms and Conditions

    Other Information

    Privileges for you

    PIN Kartu Kredit

    Product Information Summary

Conditions for Submitting OCBC Platinum Credit Cards

  • Minimum 21 years for major cardholders
  • Minimum 17 years for additional card holders
  • Minimum annual income of IDR 120 million
  • citizen or foreigner

More Info

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

Low Rate Installment

Installment Conversion is a term credit facility for your credit card spending transactions ranging from 3 to 36 months with easy installment. The interest rate in the Installment Conversion is determined by Bank OCBC and may change at any time with prior notice. The period of installment is set by the Card Holder itself and cannot be changed again. The Card Holder can enroll the Installment Conversion by sending SMS from mobile phone number that registered on credit card system and later the Card Holder will get the confirmation.

SMS to 6477

The format of the SMS change transactions into installments as follows:
OCBC[space]CICIL[space]The Last 16 Digits of Credit Card number#Total Transaction#Tenor
Example: OCBC CICIL 5241690000001234#30000000#12

Accepted Worldwide

OCBC 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 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 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 ONe 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

    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 savings account/Giro in all OCBC branches
  • Transfer via ATM Bersama or ATM Prima


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


  • Earn 1 (one) Poinseru for every transaction that worth Rp10.000 (Ten thousand Rupiah)
  • Poinseru can be seen in the Poinseru balance coloumn on your Credit Card bill
  • Poinseru can be redeem for many prize options through Raih.id.
  • When redeeming Poinseru, make sure the credit card is active and not blocked
  • Transaction that will get and earn Poinseru are retail spending from credit card and supplementary credit card that have been booked in the Bank’s system.
  • Transactions that would not earn Travel Miles are as follows:
    • All instalment transactions
    • Cash withdrawal
    • Loan on Phone
    • Cancelled transactions
    • Transactions on monthly bill payments and government agency services (Effective as of June 11, 2024)
      • State Electricity Company (PLN) Payment
      • Drinking Water Company (PAM)
      • Online Taxes
      • Customs
      • BPJS payments and
      • Payment for other government institutions through e-commerce platforms
  • Foreign transaction are transactions that are recorded in a foreign currency other than Rupiah (IDR)
  • Poinseru will be credited maximum 1 month after the transactions is recorded In the Bank’s system
  • Poinseru is only given to your primary or main credit card with a seamless and unblocked payment status

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 IDR 50,000 (Until 31 December 2024 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 2024 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 250,000
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

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

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. Call OCBC
    For any information you need concerning OCBC Credit Card, you can call this number.

The billing statement is a summary of transaction details of your OCBC Credit Card (from the previous month's billing date up until the subsequent billing date). Details of transactions printed are transactions made using the primary card and the supplementary card (if any). There is no separate billing statement for supplementary cards.


Primary Credit Card Number
This is OCBC Primary Credit Card number.


Statement Date
This is the date of transactions and other outstanding balances billing. It will fall on the same date each month.


Payment Due Date
This is the payment deadline for the outstanding balances on which the payment shall have been received by PT. Bank OCBC NISP, Tbk, namely 16 days for Platinum Credit Card and 23 days for Titanium Credit Card as from the billing date. A minimum payment must be paid off each month on or before the due date even if you have not received the Billing Statement. Payment received after the due date shall be subject to late charge.


Current Month's Bill
This is the outstanding balance on the billing date which includes previous month's outstanding balance and transactions made up to the billing date, fees, interests and corrections deducting payments and credit.


Minimum Payment
The minimum payment is 5% of the outstanding balance or IDR 50,000 (whichever higher)*. If your outstanding balance exceeds your credit limit, such excess shall be added to the minimum payment which is about to become due. If you have not paid off the previous month's minimum payment, such amount shall also be added to your minimum payment which is about to become due. If there is any instalment transaction, it shall be billed in full.

*Until 31 December 2024 or always binding with Bank Indonesia regulations


Transaction Date
This is the date of the transactions of purchase, cash advance or other transactions made using OCBC Credit Card.


Posting Date
This is the date on which your transaction is posted or charged to your OCBC Credit Card account.


Transaction Description
This column contains information on the details of transaction made using your OCBC Credit Card:

  • Previous month's statement which shows the ending balance of the previous month's bill prior to deduction of payment and added by new transactions and fees/penalties
  • Payment will deduct the balance of previous month's bill
  • Fees or penalties are the value of fees or penalties charged to your OCBC Credit Card account. For example, the annual fee or late charge if you made the payment after the due date.
  • For transactions made in foreign currency, the foreign currency code will be indicated and the transaction value will be converted into Rupiah
  • If you have a supplementary card, the supplementary cardholder's name and card number, along with the transaction details of your supplementary card will be found in a separate section. If you do not have any supplementary card, there will only be the transaction details of the primary card
  • The current month's bill is the total of the previous month's bill deducting the payment and added by new transactions (primary and supplementary cards transactions, fees and interests)
  • Credit status is a classification of whether a credit payment is smooth or not.

This is the total amount of purchase transactions of your OCBC Credit Card in the current month.


Administration Interests & Fees
This is the amount of interest (only if there is an interest expense) and administration fees charged.


This is the amount of payment of the OCBC Credit Card bill which you have made.


This is the total amount of bill you have to pay in the current month.


Combined Limit
Total credit limit assigned to a cardholder through 1 or more credit card(s) owned. The total credit limit of your OCBC Credit Card constitutes the combination of credit limit of all credit cards you own. If you only have 1 card, the combined limit is equal to your Primary Card limit.


Remaining Combined Credit
This is the remaining amount of credit limit up until the billing date and can be used for transactions.


Current Month's Points (Platinum Credit Card only)
This is the total Reward Points you have earned in the current month.


Previous Total Points (Platinum Credit Card only)
This is the information on the previous month's Reward Points.


Redeemed Points (Platinum Credit Card only)
This is the information on the amount of Reward Points you have redeemed up until the current month.


Expiry Date (Platinum Credit Card only)
This is the expiry date of your Reward Points.


Total Points (Platinum Credit Card only)
This is your effective Reward Points.


Interest Rate (% of Retail Interest)
This is the information on the interest rate to be applied due to the customer's failure in making full payment of a bill. The rate is determined by the bank.


Interest Rate (% Cash Advance)
This is the information on the interest rate to be applied for cash advance transactions, the rate is determined by the Bank.


You will be charged the interest for:

  • Payment made after the due date
  • Minimum payment or non-full payment
  • Payment less than the minimum payment
  • Non-payment
  • Cash advance transaction


General Terms & Condition OCBC Credit Card
  1. Definitions

In these Terms and Conditions, unless expressed otherwise in the context, the following terms shall have the following meaning:

"Automated Teller Machine" hereinafter referred to as "ATM" means a machine which can be used by the Cardholder to access banking services for 24 hours

"Bank" means PT Bank OCBC NISP Tbk, a banking company registered and supervised by the Financial Services Authority, domiciled in South Jakarta and having its address at OCBC Tower, Jalan Prof. Dr. Satrio Kav. 25 Jakarta 12940 including all of the bank's branch offices in Indonesia.

"Cash Advance Limit" means the maximum limit for cash advance made at the Counter or ATM pursuant to the limit approved by the Bank, where such cash advance shall be subject to Administration Fee and Interest, calculated on a percentage basis of total cash advance or a certain minimum amount determined by the Bank.

"Stamp Duty" means the tax levied on documents under the provision of the applicable laws charged to the Cardholder for every payment made.

"Administration Fee" means fees charged by the Bank to the Cardholder with regards to the use of Credit Card.

"Late Charge" means fees charged to the Cardholder when he/she pays the bill after the Due Date

"Billing Statement" means a notification to the Primary Cardholder which, among others, inform about Current Month's Total Bill, total Minimum Payment and the Due Date for making payment within a particular Credit Card billing period.

"Interest" means the interest expense charged to the Cardholder if Current Month"s Billing Statement is not paid in full and/or if the payment is made after the Due Date

"Call OCBC" means PT Bank OCBC NISP, Tbk banking call service, or OCBC Call Center which can be contacted at 1500-999 or other numbers informed by the Bank from time to time.

More info

Allowance for Payment Time
If the Credit Card bill due date coincides on Saturdays / Sundays or National Holidays or Joint Leave Days that have been officially declared by the Government of the Republic of Indonesia, Bank OCBC provides allowance for payment to Cardholders until the nearest official Business Day thereafter.

Error on Bill Sheet
If you doubt or do not acknowledge the transaction printed on the billing statement, immediately contact Call OCBCno later than 45 calendar days from the date of printing the Billing Sheet and submit by mail by informing the following data:
- Your card name and number
- Transaction details and amount to be refuted
- Transaction date
- Reasons for rebuttal
- your signature
- Disclaimer please send to:
OCBC Card Center
Unsecured Loan Division
Jl. Gunung Sahari 7 No. 36 (Gedung Gunsa 3) Central Jakarta 10720

Transactions Overseas
Every transaction made using a foreign currency will be converted into Rupiah on the accounting date based on the exchange rate determined by Bank OCBC and VISA or MasterCard International. Differences in exchange rates are possible due to fluctuations in exchange rate changes.

Lost or Stolen Card
Immediately report the loss of your Credit Card to Call OCBC. Every transaction that takes place prior to reporting to the Bank will be your full responsibility. Contact OCBC Call 1500-999.

Transfer of Outstanding Balance
Bank OCBC has the right to move the outstanding balance to a third party.

Card Closing and Cancellation
Your credit card will be automatically renewed. If you want to cancel your membership, you must notify us at the latest 1 (one) month before your credit card has expired.
With certain considerations, Bank OCBC has the right not to extend the validity period of your credit card.
Bank OCBC also has the right to cancel your credit card at any time if your card account records are not good or for other reasons.

Ties to Terms and Conditions
By signing and using your credit card, you are bound by the terms and conditions set by Bank OCBC. It is recommended that you understand the information contained in the Terms and Conditions at ocbcnisp.com/welcomepack. If it is not clear with the information in it, you can contact the 24-hour Call OCBC service.

Reward Points
Get 1 point for every retail transaction worth IDR 10,000 and its multiples. The reward points that have been collected can be exchanged for various attractive prizes through poinseru.com.
Seru Points will be accumulated with savings products and e-channel transactions
That the Bank has the right to debit previously credited mileage/reward points if the customer changes the transaction to installments or does not meet the provisions.
Shopping transactions that earn Reward Points are retail shopping transactions from the main Credit Card and additional Credit Cards that have been recorded in the Bank's system and do not include all installment transactions, cash withdrawals, Loan on Phone and canceled transactions.

Low Installments
Installment Conversion is a term credit facility for your credit card purchase transactions ranging from 3 to 36 months with low installments. The interest rate for the Installment Conversion is determined by Bank OCBC and is subject to change at any time with prior notification. Cardholders can choose an available installment period and the options cannot be changed. Cardholders can apply for the Installment Conversion via SMS from the Cardholder's mobile number registered in the Bank's system and will receive a reply confirmation.

Partner Merchants in Indonesia
Deal with special offers from Bank OCBC partner merchants in Indonesia

VISA Partner Merchants
Trade with special offers from VISA merchants all over the world

Partner Merchants in Singapore and Malaysia
Trade with special offers from VISA merchants in Singapore and Malaysia

Get your 6 digit OCBC Credit Card PIN by following:

     OCBC mobile Application*
    Download the latest version of OCBC mobile 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
    More information for OCBC mobile registration click here or Call OCBC 1500-999
    Sending SMS to 6477**
    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

(*Create PIN through OCBC mobile only for Basic Card Holder)
(**Create PIN through SMS for Basic and Supplement Card Holder using the registered telephone number on the Bank)




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Popular Questions About OCBC Platinum

Terms OCBC Platinum Credit Card
Age Main Card Holders aged 21 - 65 years
Additional Card Holders for a minimum of 17 years (Maximum 3 people
Citizenship Indonesian citizen and foreign national
Income Min Income: Rp. 120,000,000 per year.
Personal Identification Documents Photocopy of KTP or
Photocopy of Passport / KIMS / KITAS (For foreigners only) or
Photocopy of Other Bank Credit Cards (For Other Bank Customers)
Income Document Original month's latest salary slip / Statement of Income (Especially Employees and Foreigners) or
Photocopy of SIUP / Company Establishment Deed
Current account / savings account for the last 3 months (only for entrepreneurs) or
Current Account / Savings Account for the last 3 months, Photocopy of Practice Permit and Photocopy of SPT (Professional Only).

Every transaction of IDR 10,000 gets 1 Reward Point and applies multiples

Terms and Conditions for Exchange of OCBC Platinum Credit Card Reward Points through www.poinseru.com:

  • Exchange points only through the website at www.poinseru.com.
  • Redeem Points through the www.poinseru.com website using the Online Banking User ID and password.
  • For customers who do not yet have an Online Banking user and password to log in to the website at www.poinseru.com, can register at the nearest OCBC branch office.
  • The entire process of exchanging Credit Card Reward Points can only be done through www.poinseru.com
  • Points earned from all banking activities, such as savings and credit cards at Bank OCBC will be combined into ONe Points at www.poinseru.com.
  • Installments and dispute transactions do not get points.
  • Product criteria that are included in the Reedem Points are Credit Card (OCBC Platinum Only), OCBC Debit Card, Savings (conventional and Sharia), and E-Channel (ATM, Internet Banking, Mobile Banking, SMS Banking).
  • Prizes in the form of E-vouchers will be sent to the relevant customer's email address.
  • Points earned by the customer are valid for 12 months from the time the points are formed.
  • The point exchange verification process on the website www.poinseru.com uses SMS (for Mobile Banking customers) and tokens (for Internet Banking customers).
  • Information about the amount, expiry period and history of points in the website is seen through www.poinseru.com.

Points redemption for prizes are made directly through www.poinseru.com. Here are the steps to exchange your points:

  1. Enter https://www.poinseru.com/ and see the gift catalog that can be exchanged
  2. Exchange points and get attractive prizes!
  3. Enter the name and information needed to send the prize.
  4. Points redeemed will reduce your previous accumulated points.

For more information about the question and answer exchange question, please visit https://www.poinseru.com/#!/redeem-point

Main Card Rp. 600,000 per year, Supplementary Card: Rp. 300,000 per year (Free of first year tuition fees)

File an objection due to a transaction incompatibility, no later than 45 calendar days from the date the Billing Statement is sent. Please submit your objections to Call OCBC 1500-999 or + 62-21-26506300 (from abroad)

OCBC mobile Application *

Download the latest version of the OCBC mobile Application and follow these steps:

  1. Enter with your USER ID and Password OCBC mobile
  2. Click ""Your Obligations""
  3. Select the Credit Card that you want to set the PIN for
  4. Click ""CREATE / CHANGE PIN""
  5. Set the PIN you want and reconfirm
  6. PIN successfully created

(* Create PIN via OCBC mobile only for Primary Card holders)"

Credit Cardholders can simply contact OCBC Call 1500-999 or + 62-21-26506300 (from overseas) for the process of blocking a lost Credit Card and submit a credit card replacement at a cost of Rp 100,000 for OCBC Titanium, Platinum, and costs IDR 2,500,000 for an OCBC Voyage Credit Card.

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