Further Information

Get Strong, Get Reward with OCBC FTL Platinum Credit Card

Apply OCBC FTL Platinum Credit Card and Join FTL membership, Get higher reward cashback

Terms and Conditions :

• Program period: January 12, 2026 – December 31, 2026
• The program is valid for new customers (those who have never been OCBC customers).
• The program is only valid for new OCBC Credit Card customers who register and join the FTL Membership program.
• Opening an OCBC FTL Platinum Credit Card and/or OCBC Nyala Account can be done directly through OCBC Mobile or through the registration link in Club FTL. Promo code: OCBCXFTL is required.
• The OCBC FTL Platinum Credit Card will be sent to the customer's address no later than 14 (fourteen) working days after the credit card application is approved.
• Cashback rewards will be awarded after customers make FTL Membership payments using an OCBC FTL Platinum Credit Card/OCBC Debit Card and cashback will be credited on the 30^th or 31^st of the following month in the form of FTL miles on FTL STRIDE App.
• The cashback amount will be awarded according to the selected package, and customers can only choose one reward from one of the OCBC FTL Platinum Credit Card programs during the program period.
• PT Bank OCBC NISP Tbk ("OCBC"), at its discretion, reserves the right to suspend or cancel the award of rewards if there are indications of fraud, irregularities, or violations of these terms and conditions.
• For further information, please contact Tanya OCBC at 1500-999 or visit the website www.ocbc.id regarding the Program.
• These terms and conditions have been adjusted to comply with applicable laws and regulations, including those of the Financial Services Authority.
• OCBC has the right and authority to change, add, and/or reduce these terms and conditions by notification through media deemed appropriate by OCBC, taking into account applicable laws and regulations.
• PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the LPS guarantee program.

Get Reward and Cashback from OCBC x FTL account opening and transact at FTL

Terms & Condition:

• Program only valid for new CIF
• Valid for opening a Tanda 360 Plus account via OCBC Mobile
• Customers must enter the promo code OCBCxFTL when opening an account.
• Customers must make transactions at FTL using an OCBC debit card/QRIS from their OCBCxFTL account.
• A cashback reward of IDR 250,000 will be awarded upon meeting the applicable terms and conditions.
• Cashback will be awarded within a maximum of one month after the terms and conditions are met.
• Deposit funds and maintain a minimum balance of IDR 10,000,000 until the end of the month.
• Make transactions at FTL tenants using an OCBC debit card/QRIS
• Funds must be fresh (from an account outside OCBC).
• Funding requirements must be met by M+1 from the onboarding month.
• This promo cannot be combined with other acquisition promos.
• This promo is valid until December 31, 2026.
• PT Bank OCBC NISP Tbk ("OCBC"), at its discretion and discretion, reserves the right to suspend or cancel the award of rewards if there are indications of fraud, irregularities, or violations of these terms and conditions.
• For further information, please contact Tanya OCBC at 1500-999 or visit the website www.ocbc.id regarding the Program.
• These terms and conditions have been adjusted to comply with applicable laws and regulations, including those of the Financial Services Authority (OJK).
• OCBC reserves the right and authority to amend, add, and/or reduce these terms and conditions by providing notification through any medium deemed appropriate by OCBC, in accordance with applicable laws and regulations.
• PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the LPS (Lembaga Simpanan Indonesia) guarantee program.

Main Card

• Minimum 21 years old for main card holder.
• Minimum 17 years old for additional card holder.
• Minimum income of IDR 3 million per month or IDR 36 million per year.
• Indonesian citizen or foreign citizen.

Additional Cards

• Identity Card for Indonesian citizens or Passport and KITAS with a validity period of > 6 months for foreign nationals.
• 16-digit NPWP for limits > Rp50 million. Wife or children who are included in one economic unit with the NPWP of their husband or parents, must attach proof of the merger of economic unit reports (DJP).-> note: this 16-digit NPWP provision will be effective as of 1 January 2025.
• Students/Housewives must attach a Beneficial Owner form. The form can be obtained at the nearest OCBC branch or by contacting RM.

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

Interest and Fees

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

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.

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
The duedate for payment of outstanding balances that must be received by PT. Bank OCBC NISP, Tbk is 16 days for Platinum, Nyala Platinum, 90°N, Voyage Credit Cards and 23 days for Titanium Credit Cards from the billing date. Minimum payments must be paid each month on or before the due date even if you have not received a Billing Statement. Payments received after the due date will be subject to a late fee.

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 30 June 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

General Terms & Condition OCBC Credit Card

Credit Card General Terms & Conditions Terms and Conditions for Activating Credit Card OCBC OCBC Online Credit Card Activation Terms and Conditions Through OCBC Mobile Terms and Conditions for Cash Disbursement of OCBC Credit Card Through OCBC Mobile Terms and Conditions for Permanent Blocking OCBC Credit Card Through OCBC Mobile Terms and Conditions for applying Temporary Blocking of OCBC Credit Card Through OCBC Mobile Terms and Conditions for the Activation of the OCBC Tap Credit Card Feature Through OCBC mobile Terms and Conditions for Requesting a Temporary and Permanent Credit Limit Increase for OCBC Credit Card Through OCBC Mobile Terms and Conditions for Unblocking OCBC Credit Card Through OCBC Mobile

• Points for Every Transaction: Every Rp10,000 transaction will get 1 Poinseru (retail spending transactions from the main Credit Card and additional Credit Cards that have been booked in the Bank's system and do not include all installment transactions, cash withdrawals, government service payments, Loans on Phone and canceled transactions. Apply and use other Bank products for faster Poinseru collection.
• Flexible gift/rewards redemption: Ease of exchanging Poinseru with a variety of attractive prize options via www.raih.id (via OCBC mobile application/browser).
• Offers at Partner Merchants: Special offers from various favorite merchants ranging from promos at restaurants, e-commerce, supermarkets and many more.

Terms and conditions related to the earning and redemption of Poinseru for the OCBC Star Wars Platinum Credit Card

• 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 do not earn Poinseru are as follows:
  1. All instalment transactions
  2. Cash withdrawal
  3. Loan on Phone
  4. Cancelled transactions
  5. 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
     • Payment of digital advertising service
     • Payments at other government institutions through e-commerce platforms
  6. Transactions for education fees, whether for schools, universities, or courses
  7. Digital advertising service payment transactions
  8. Fuel refueling transactions at petrol stations
  9. Monthly bill payment transactions through OCBC Credit Card
• Overseas transactions are transactions recorded in overseas currencies other than Rupiah (IDR).
• Poinseru will be credited a maximum of 1 month after the transaction is posted in the Bank system
• Poinseru is only awarded on your primary credit card with a current and unblocked payment status.
• That the Bank has the right to debit the previously credited Poinseru if the customer converts the transaction into installments or does not meet the conditions

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)

IMPORTANT!

OCBC Credit Card is equipped with 3D Secure feature for the convenience and security of your online transactions. Make sure the mobile phone number you use is the same as the number registered in the Bank system.

Beware of fraud in the name of OCBC. OCBC never authorizes 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.