Multi-Purpose Loan

Contactless Feature
Easier payments with contactless features and accepted Worldwide. OCBC 90°N Credit Card is equipped with contactless features for convenience, security and faster transaction.

Accepted Worldwide
OCBC NISP 90°N is accepted worldwide with more than 29 million merchants and service partners that collaborate with VISA international.

Worldwide Access to your Fund
Apart from being able to do fund withdrawal in all OCBC Branches, OCBC 90°N 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 60% of your OCBC 90°N Credit Card limit by visiting the nearest ATM and selecting the cash withdrawal menu using your Credit Card PIN.

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 NISP by contacting Tanya OCBC NISP 1500-999 or your Relationship Manager. More information, click here
2. OCBC ATM
   Visit the nearest OCBC ATM and choose “Payment / Purchase” menu using your credit card PIN. If you do not have your PIN yet, please create your PIN immediately. More info 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).

You can pay your OCBC 90°N 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 (Contact Centre)
We are ready to serve you 24 hours a day 7 days a week to get information about OCBC 90°N credit card with contact Call OCBC1500-999/+62-21-26506300 (from overseas) or e-mail tanya@ocbc.id

Complimentary Domestic and International Airport Lounge Access

Complimentary access at the International Airport Lounge and Domestic Airport Lounge in collaboration with OCBC through the DragonPass Application. Main Credit Card Owner and an supplementary Credit Card OCBC 90⁰N owner are entitled to enjoy two complimentary visits per year to the Airport Lounge.

To obtain the Membership Number and Activation Code DragonPass, please contact TANYA OCBC 1500-999 at least 3 days before to the departure date. Make sure the DragonPass membership app is downloaded and registered. Click here for more details.

List of cooperated Domestic Airport Lounges via DragonPass Application:

Note : ^*) Airport Lounge Operational Day and hours are entirely under respective Airport Lounge’s authority, not the authority of the Bank

Conditions for Submitting OCBC 90°N

• Minimum 21 years for major cardholders
• Minimum 17 years for additional card holders
• Minimum annual income of Rp120 Million
• citizen or foreigner

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

1. Definitions

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

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

More Info

Interest and Fees

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

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Cash Advance Date until the full payment date of the Cash Advance transaction. The interest rates that apply to Cash Advance transactions are listed on the Billing Sheet. Unpaid fees, 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 1,726 (*** 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:

Interest = IDR 1,000,000 x 3 x (1,75% x 12 months) / 365 = IDR 1,726

All Credit Card transaction in Indonesia required to using PIN.

Get your 6 digit OCBC Credit Card PIN by following:

1. OCBC mobile *
   Download the latest version of OCBC mobile and follow the steps below:
   • Log in with your User ID and Password
   • Click “Settings”
   • Click “Card Management”
   • Click “Credit Card” menu and choose card
   • Click “Change PIN”
   • Set your PIN and reconfirm
   • PIN successfully set
2. Sending SMS to 86477**
   

   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)

For further information, please contact Tanya OCBC 1500-999.

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

Information on The Billing Statement
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, 90°N, Voyage 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.

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 Miles
Is the number of Miles you earned this month.

Miles Expired Next Month
Is information on the number of miles that will expire.

Expiry Date
Is the deadline date for your Miles to be valid.

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

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