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Individual Interest & Fees

Detailed information on interest and transaction fees for OCBC NISP individual products

  • Simpanan
  • Pinjaman
  • Kartu Transaksi

    Tabungan

    Tanda 360 Plus

    Tanda 360

    Tanda Premium

    Tanda Valas SGD

    Tanda Junior

    TabunganKu

    OCBC SimPel

    Savings Plan

    Taka Bunga

    Taka Hadiah

    Taka Bunga Pasti

    Deposito

    Deposito IDR

    Deposito Valas

    Setoran Rupiah

    Tunai

    Non-Tunai

    Setoran Valas

    Tunai

    Non Tunai

    Penarikan Valas

    PENARIKAN RUPIAH

    TRANSFER Rupiah dalam Negri

    Transfer Valuta Asing Outgoing TT

    Lainnya

More information click here

Effective from 1 March 2023, there are changes in features, service, benefit, and fees with details as follows:

No. Product Name
Valid until 28 February 2023 Effective from 1 March 2023
1. Tanda 360 Tanda 360
2. Tanda Silver
3. Tabungan Harian
4. Tabungan Bisnis
5. Tanda Senior
6. Tanda Co Branding
7. Tanda Wulan
8. Tanda Gold
9. Tanda Reguler
10. Tabungan Tanda
11. Tabungan Bundling (IDR)
12. E-One Saving
13. Tanda Bundling Valas (IDR)
14. Tanda 360 Komunitas*

*Effective per 1 March 2023, Tanda 360 Komunitas porduct will be used specifically for payroll and community accounts. For Tanda 360 Komunitas account (Non Payroll and Non Komunitas) will be adjusted to Produk Tanda 360. More details:

The following are the interest rate apply to Tanda 360 Product:

Interest Rate (% p.a)
< IDR 10 mio 0,00%
IDR 10 mio - < IDR 50 mio 0,05%
IDR 50 mio - < IDR 1 bil 0,10%
≥ IDR 1 bil 0,50%
  • Interest rate can change at any time according to he provisions in force at bank OCBC
  • Method of calculating multilevel daily interest payments

The following are term of features, services and fees for Tanda 360 Product:

Conditions TANDA 360
Currency IDR
Account Statement Passbook/ E-Statement/ Statement
Initial Deposit IDR 200.000
Admin Fee (monthly) Passbook IDR 5.000
E-Statement/ Statement Free
Minimum Average Balance (monthly) IDR 10.000.000
S/C for below minimum average balance (monthly) IDR 12.500
Closing Fee IDR 100.000
Dormant Fee IDR 15.000/month
Printed Statement Fee IDR 20.000/month

Tanda 360 product benefit are as follows:

Benefit
Free of change cash withdrawals at ATM OCBC Gratis
Free Transfer Fees between banks via ATM OCBC/ ATM Prima Network/ATM Bersama and through internet & Mobile Banking OCBC (Only valid Online and LLG) 30 X Transaction/ month Balance after transaction ≥ IDR10 Mio
Free of change cash withdrawals at ATM other than OCBC (ATM Jaringan Prima, Bersama and OCBC Singapore)
Free shopping fees/debit (Jaringan VISA/Mastercard dan Debit BCA/Prima/GPN) Free

No. Product Name
Valid until 28 February 2023 Effective from 1 March 2023
1. Tanda 7 Tanda Premium

Effective from 1 March 2023, Tanda 7 product will be adjusted to Tanda Premium product. More details click here

No. Product Name
Valid until 28 February 2023 Effective from 1 March 2023
1. E-One Transaction Tanda 360 Plus
2. Tanda 360 @ Work

Effective from 1 March 2023, E-One Transaction and Tanda 360 @Work product will be adjusted to Tanda 360 Plus. More details click here

 
 
 
 
 
 
 
 
 
 

Setoran Antar Cabang OCBC NISP

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Untuk Rekening Rupiah Free Free Free Free Free
Untuk Rekening Valas USD & non USD/td> Kurs Jual TT Kurs Jual TT Kurs Jual TT Kurs Jual TT Kurs Jual TT

Pindah Buku

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama Free Free Free Free Free
Pindah buku dengan mata uang berbeda Kurs Jual TT Kurs Jual TT Kurs Jual TT Kurs Jual TT Kurs Jual TT

Setoran warkat Bank OCBC NISP

a. Biaya Kliring dan Intercity

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Biaya Setoran warkat kliring 2,000 / warkat 2,000 / warkat 2,000 / warkat 2,000 / warkat Free 50x per bulan
Biaya Setoran warkat kliring + Intercity 2000 + 0 2000 + 0 2000 + 0 2000 + 0 2000 + 0
Biaya tolakan kliring 125.000 125.000 125.000 125.000 125.000
Biaya pemrosesan warkat dengan nominal diatas Rp.500juta (dibebankan kepada nasabah penerbit warkat) termasuk biaya RTGS ke bank penerima / penagih warkat 125.000 125.000 125.000 125.000 125.000

b. Setoran warkat Inkaso

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Biaya Setoran warkat inkaso Ke luar kota yang terdapat Cabang OCBC NISP + biaya kliring 10.000,-/ warkat + IDR 2.000,-/warkat 10.000,-/ warkat + IDR 2.000,-/warkat 10.000,-/ warkat + IDR 2.000,-/warkat 10.000,-/ warkat + IDR 2.000,-/warkat F10.000,-/ warkat + IDR 2.000,-/warkat
Biaya Setoran warkat inkaso Ke luar kota yang tidak terdapat Cabang OCBC NISP + biaya kliring + biaya Bank Perantara 10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat 10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat 10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat 10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat 10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat

Effective June 5, 2023, the limit for Bank Notes transactions applies on the following link

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Untuk Rekening Rupiah Kurs Beli TT Kurs Beli TT Kurs Beli TT Kurs Beli TT Kurs Beli TT
Untuk Rekening Valas dengan mata uang : USD,SGD, EUR, AUD, GBP, JPY, CNH, HKD setara USD 50.000 per hari per rekening Free Free Free Free Free
Di atas batas harian Free Free Free Free Free
Setoran Bank Notes Denominasi USD ≤ 50 Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya
SGD ≤ 20 Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya Provisi 1% dari total nominal pecahan yang dikenakan biaya
Setoran Uang Kertas Asing USD CAP Provisi 1% dari total nominal Provisi 1% dari total nominal Provisi 1% dari total nominal Provisi 1% dari total nominal Provisi 1% dari total nominal

Pindah Buku

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama Bebas Bebas Bebas Bebas Bebas
Pindah buku dengan mata uang berbeda Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT
Pindah buku antar mata uang yang berbeda dalam rekening Multicurrency Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT Kurs Beli dan Jual TT

For Giro Account & Multi Currency Foreign Exchange withdrawals in USD, SGD, EUR, AUD, GBP, JPY, CNH

Transaction Type Normal Fee Rate Fee for Premier Customer Fee for Nyala Fee for Nyala Individu Fee for Nyala Business
Equivalent USD 2,500 per month per account Free Free Free Free Free
Above the month limit Provisi 0.5% Provisi 0.5% Provisi 0.5% Provisi 0.5% Provisi 0.5%

For Saving Account with foreign currency withdrawals in USD, SGD, EUR, AUD, GBP, JPY, CNH

Transaction Type Normal Fee Rate Fee Rate for Nyala Customer /Nyala Business Fee for Premier Customer Fee for Private Customer
Equivalent USD 2,500 per day or Equivalent USD 25,000/month Free Free Free Free
Equivalent USD 5,000 per day or Equivalent 50,000/month Provisi 0,50% Provisi 0,50% Free Free
Equivalent USD 10,000 per day or Equivalent 100,000/month Provisi 0,50% Provisi 0,50% Provisi 0,50%
 Free
Above nominal Provisi 0,50%
 Provisi 0,50% Provisi 0,50% Provisi 0,50%

HKD currency withdrawal transactions can still be made at the following branches:

Branch Office Region
OCBC NISP Tower Branch Area Jabodetabek
ONSpace Branch Area Jabodetabek
Menara Kelapa Gading Branch Area Jabodetabek
Pantai Indah Kapuk Branch Area Jabodetabek
Bandung Asia Afrika Branch Area Jawa Barat
Semarang Katamso Branch Area Jawa Tengah
Surabaya – HR Muhammad Branch Area Jawa Timur
Medan Polonia Branch Area Sumatera
Makasar Ahmad Yani Branch Area IBT
Bali Sunset Road Branch Area IBT

PENARIKAN TUNAI Rupiah

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Nominal Penarikan < Rp. 5 Juta* 10.000 10.000 10.000 10.000 10.000
Nominal Penarikan > Rp. 5 Juta Free Free Free Free Free

Transfer ke bank lain

Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
LLG/SKN 2.900 Free 2.900 2.900 2.900
RTGS 30.000 Free 10x Per bulan gabungan transaksi melalui IBMB / Cabang 30.000 30.000 30.000
Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Biaya TELEX/SWIFT Giro Umum 50.000 50.000 50.000 50.000 50.000
Tabungan 50.000 Free 1x Per bulan (Tabungan dan Tabungan Multicurrency 50.000 50.000 50.000
Multicurrency 100.000 100.000 100.000 100.000 100.000
Biaya Provisi Giro Umum tidak melibatkan Valas 0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara
Tabungan tidak melibatkan Valas 0.125% (min USD 10 – maks USD 150) atau setara Free 1x Per bulan (Tabungan dan Tabungan Multicurrency)
*berlaku hanya untuk transaksi melalui One Mobile, 1x per bulan. 		0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara 0.125% (min USD 10 – maks USD 150) atau setara
Giro Umum dan Tabungan melibatkan Valas Free Free Free Free Free
Multicurrency Free Free Free Free Free
Biaya Full Amount sampai dengan Bank Koresponden Penerima*) USD 25 25 25 25 25
EUR 20 20 20 20 20
AUD 30 30 30 30 30
GBP 15 15 15 15 15
HKD 300 300 300 300 300
SGD 25 25 25 25 25
CNY 200 200 200 200 200
CAD 25 25 25 25 25
CHF 15 15 15 15 15
NZD 45 45 45 45 45
JPY




Transfer dana ≤ JPY 40 mio 4.500 4.500 4.500 4.500 4.500
Transfer dana > JPY 40 mio 4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio) 4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio) 4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio) 4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio) 4.500,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)
Biaya Incoming Transfer Full Amount/OUR Free Free Free Free Free
Beneficiary (BEN)/Sharing (SHA)
USD USD 5 USD 5 USD 5 USD 5 USD 5
EUR EUR 3,5 EUR 3,5 EUR 3,5 EUR 3,5 EUR 3,5
AUD AUD 6 AUD 6 AUD 6 AUD 6 AUD 6
GBP GBP 2,5 GBP 2,5 GBP 2,5 GBP 2,5 GBP 2,5
HKD HKD 35 HKD 35 HKD 35 HKD 35 HKD 35
SGD SGD 7,5 SGD 7,5 SGD 7,5 SGD 7,5 SGD 7,5
CNY CNY 32 CNY 32 CNY 32 CNY 32 CNY 32
CAD CAD 6 CAD 6 CAD 6 CAD 6 CAD 6
CHF CHF 6 CHF 6 CHF 6 CHF 6 CHF 6
NZD NZD 9 NZD 9 NZD 9 NZD 9 NZD 9
Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Bisnis
Pembuatan kartu ATM baru dengan menggunakan nama
Free  Free Free Free
Penggantian Kartu ATM karena Hilang atau Rusak
40.000              40.000    40.000    40.000   
Pengantian Buku Tabungan karena Hilang, Habis / Rusak
40.000    40.000    40.000    40.000   
Pembelian Buku Cek / Bilyet Giro
100.000 100.000 100.000 100.000
Permintaan Copy Bukti Transaksi <= 3 bulan 5.000 5.000 5.000 5.000
> 3 bulan 10.000 10.000 10.000 10.000
Permintaan Rekening Koran di luar Rekening Koran bulanan <= 6 bulan 5.000 5.000 5.000 5.000
> 6 – 12 bulan 15.000 15.000 15.000 15.000
> 12 bulan 25.000 25.000 25.000 25.000
Penerbitan Surat Dukungan Bank
150.000 150.000 150.000 150.000
Penerbitan Surat Konfirmasi Audit
100.000 100.000 100.000 100.000
Penerbitan Surat Referensi Bank
50.000 50.000 50.000 50.000
Biaya Sewa Safe Deposit Box / Tahun Tipe Besar 1,500,000 + PPN 11% 1,500,000 + PPN 11%  1,500,000 + PPN 11%  1,500,000 + PPN 11% 
Tipe Sedang 1,000,000 + PPN 11% 1,000,000 + PPN 11%  1,000,000 + PPN 11%  1,000,000 + PPN 11% 
Tipe Kecil 600,000 + PPN 11% 600,000 + PPN 11%  600,000 + PPN 11%  600,000 + PPN 11% 
Jaminan Kunci 1.000.000 1.000.000 1.000.000 1.000.000
Token Internet Banking Pembelian Token Baru / Token Hilang 200.000 200.000 200.000 200.000
Token rusak dan habis baterai Free Free Free Free
Biaya Layanan
N/A N/A 20.000 50.000

    Kredit Pemilikan Rumah

    KPR OCBC NISP

    KPR Kendali

    Kredit Multi Guna

    KMG OCBC NISP

    Kredit Pembelian Mobil

    KPM OCBC NISP

    Kredit Peminjaman

Type
Description
Provision
Tenure ≤ 10 years: 1% loan plafond
Tenure > 10 years: 1.5% loan plafond
Administration Fee
Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000
Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium
Subject to charges imposed by OCBC NISP insurance partners
Notary
Subject to charges imposed by OCBC NISP notary partners
Taxation
Rp 750.000 or subject to charges imposed by KJPP
Legal Documents
Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges
0.1% per day of delayed payments
Penalty
3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents
Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate
In accordance with the Rate Promo
Type
Description
Provision
Tenure ≤ 10 years: 1% loan plafond
Tenure > 10 years: 1.5% loan plafond
Administration Fee
Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000
Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium
Subject to charges imposed by OCBC NISP insurance partners
Notary
Subject to charges imposed by OCBC NISP notary partners
Taxation
Rp 750.000 or subject to charges imposed by KJPP
Legal Documents
Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges
0.1% per day of delayed payments
Penalty
3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents
Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate
In accordance with the Rate Promo
Type
Description
Provision
Tenure ≤ 10 years: 1% loan plafond
Tenure > 10 years: 1.5% loan plafond
Administration Fee
Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000
Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium
Subject to charges imposed by OCBC NISP insurance partners
Notary
Subject to charges imposed by OCBC NISP notary partners
Taxation
Rp 750.000 or subject to charges imposed by KJPP
Legal Documents
Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges
0.1% per day of delayed payments
Penalty
3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents
Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate
In accordance with the Rate Promo
Type
Description
Provision
Tenure ≤ 10 years: 1% loan plafond
Tenure > 10 years: 1.5% loan plafond
Administration Fee
Tenure < 10 years: 0.1% loan plafond or min. Rp 250.000
Tenure ≥ 10 years: 0.1% loan plafond or min. Rp 500.000
Insurance Premium
Subject to charges imposed by OCBC NISP insurance partners
Notary
Subject to charges imposed by OCBC NISP notary partners
Taxation
Rp 750.000 or subject to charges imposed by KJPP
Legal Documents
Imposed when legal documents are prepared by Bank OCBC NISP
Late Charges
0.1% per day of delayed payments
Penalty
3% of unscheduled payments
Deposit Fee of Unclaimed Collateral Documents
Smallest Safe Deposit Box (SDB) fee will be charged, when collateral documents are unclaimed 30 days after a loan paid off
Interest rate
In accordance with the Rate Promo
No Service Fee
1 Disbursement Fee IDR 25.000
2 Provision Fee starting from 3% of loan principal amount/minimum of IDR 150.000
3 Late Payment Fee 5% from total installement (minimum IDR 150.000 and maksimum IDR 750.000)
4 Early Paid Off Fee 8% of the remaining loan principal
5 Copies of Monthly Bills Fee IDR 12.500/month
6 Monthly Bill Fee Email Mail/Courier
no charge IDR 12.500/month
7 Insurance Premium 1,5% of loan principal amount
8 Stamp Duty

Payment < IDR 250.000 = 0

Payment ≥ IDR 250.000 - Rp 1.000.000 = IDR 3.000

Payment > IDR 1.000.000 = IDR 6.000

    Kartu Kredit

    OCBC Platinum

    OCBC Titanium

    OCBC Voyage

    OCBC 90°N

    OCBC Nyala Platinum

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 2023 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 2023 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

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

 

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 2023 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 Dcember 2023 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 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 (ID) 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
  • 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 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

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 :
  • Primary Card : Free annual fee as long as the primary cardholder are a valid Premier Banking customer and maintain a minimum total balance assets (AUM) IDR 500.000.000
  • Supplementary Card : IDR 2.500.000 or, joining on Tanda 360 Hold Saving Program or, by minimum total spend of primary and supplement IDR 300 million in one previous year
Other than Private and Premier Banking Costumer :
  • Primary Card: IDR 8.000.000 or, by minimum total spend of primary and supplement IDR 300 million in one previous year
  • Supplementary Card: IDR 2.500.000 per card
*The various terms and fees may be changed from time to time subject to Bank’s policy
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 2023)
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 2023)
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 &ndash; 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
  • 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 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

 

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 2023 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 2023 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 100,000
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 ONe 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
  • - 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 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

 

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 2023 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 2023 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 100,000
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

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

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PT Bank OCBC NISP, Tbk. is licensed and supervised by the Indonesian Financial Services Authority & Bank Indonesia, and is a guaranteed member of Indonesia Deposit Insurance Corporation (LPS).