Related information about Kartu Transaksi
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 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 |
| Billing Statement Delivery Charge | IDR 30,000 per billing (effective 15 October 2025) |
| 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 25,000 per transaction (effective 15 October 2025) Through Contact Center – Tanya OCBC IDR 25,000 per transaction (effective 15 October 2025) |
| 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 |
|
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.
* This illustration uses the Platinum Credit Card due date
Note:
Illustration of interest calculation can give different results caused by:
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
Interest and Fees
| Annual Fee (free of the first year fee) |
Main Card IDR 300,000 per year,
Supplementary Card IDR 100,000 per year |
| Annual fee | Main Card IDR 600 thousand per year, Supplementary Card: IDR 300 thousand 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 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 |
| Billing Statement Delivery Charge | IDR 30,000 per billing (Effective 15 October 2025) |
| 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 thousand |
| Installment Request Fee |
Through OCBC mobile Application, EDC and SMS IDR 25,000 per transaction (Effective 15 October 2025) Through Contact Center – Tanya OCBC IDR 25,000 per transaction (Effective 15 October 2025) |
| Installment Payment Cancellation/Acceleration Fee | IDR 200,000 per transaction |
| Transfer Fee | IDR 10,000 to OCBC account IDR 25,000 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 |
|
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.
* This illustration uses the Platinum Credit Card due date
Note:
Illustration of interest calculation can give different results caused by:
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
Interest and Fees
| Annual fee | Private Banking Customer: Free annual fee for primary and supplementary cardholders as long as the primary cardholder are a valid Private Banking customer Premier Banking Customer :
|
| 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 2025) |
| 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) |
| 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 100 thousand |
| 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 thousand |
| 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 25,000 to another bank account |
|
E-Statement via Email fee Increase Limit Fee Notification Charges Voyage Miles Redemption Fee |
IDR 5,000 per month IDR 50,000 per request IDR 10,000 per bill per month IDR 10,000 for every request |
| Important Information |
|
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.
* This illustration uses the Platinum Credit Card due date
Note:
Illustration of interest calculation can give different results caused by:
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
Interest and Fees
| Annual fee (free of the first year fee) | Primary Card IDR 1,000,000 per year, Supplementary Card: IDR 500,000 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 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 25,000 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 |
|
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.
* This illustration uses the Platinum Credit Card due date
Note:
Illustration of interest calculation can give different results caused by:
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
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 |
|
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.
* This illustration uses the Platinum Credit Card due date
Note:
Illustration of interest calculation can give different results caused by:
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
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