OCBC Voyage Credit Card

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. Cardholder can request Installment through :

1. SMS
   

   Send SMS from registered Mobile Phone at the Credit Card system and you will directly get SMS confirmation

   SMS Format: OCBC(spasi)CICIL(spasi)16 Digit No Kartu Kredit#Jumlah Transaksi#Tenor
   Contoh: OCBC CICIL 5241690000001234#30000000#12

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

Accepted Worldwide

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

Worldwide Access t your fund

Apart from being able to do fund withdrawal in all OCBC Branches, OCBC Voyage 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 Voyage 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 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 OCBC credit card at 1500-999.

Interest and Fees

Interest Calculation for Purchasing 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 of the transactions made. The interest rates that apply to spending transactions are listed on the Billing Statement. Unpaid fees, penalties, or interest are not included in the interest calculation component. Interest will be charged on the next billing statement. For a complete interest calculation, see the illustration of credit card interest calculation.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Cash Advance Date 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 fees, penalties, or interest are not included in the interest calculation component. For complete interest calculation, please see the illustration of 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

General Requirement:

• Photocopy of ID Card (KTP)
• Photocopy of Passport and KITAS (for foreign nationals)
• Photocopy of Tax ID Number (NPWP)

Card Type	Special Requirements	Income Documents
	Age 21 - 75 years old Indonesian citizens and foreign nationals Registered as a Private Banking OCBC Costumer	Cardholder who registered as a Private Banking with a total placement of funds of at least IDR 10 Billion

General Requirement:

• Photocopy of ID Card (KTP)
• Photocopy of Passport and KITAS (for foreign nationals)
• Photocopy of Tax ID Number (NPWP)

Card Type	Special Requirements	Income Documents
	Age 21 - 75 years old Indonesian citizens and foreign nationals Registered as a Premier Banking OCBC Costumer	Cardholder who registered as a Premier Banking less than 3 months has one time (1x) funded of at least IDR 500 Million Cardholder who registered as a Premier Banking more than 3 months have a total placement of funds of at least IDR 500 Million

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 TANYA OCBC 1500-999 .
8. Contactless Technology
   OCBC 90°N Credit Card is equipped with contactless features for convenience, security and faster transaction.

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 6 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 2025 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.

Purchase
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.

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

Total
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.

Note:
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

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

Starting November 19, 2025, new terms and conditions for Voyage Miles will be updated For more info Click here.