Get 10% + 10% cashback for online transactions anywhere throughout the year
While waiting for the physical card to arrive,you can keep shopping online, by activating your credit card online via OCBC mobile
Manage your credit card in OCBC mobile. Physical card activation, Check CVV & increase the transaction limit
NEW! Now you can make a
credit card transactions without your physical card. Simply just
tap
your credit card via OCBC
mobile
to enjoy seamless
& worry free
transactions.
Visit: web.ocbc.id/tapkartukredit
Now you can withdraw the
remaining
credit card limit directly
into
your savings account with
interest
up to 0% via OCBC mobile.
Info: web.ocbc.id/cairlimitcc
With the Contactless
feature,
valid in countries
and transportation
companies
that accept payments
by Credit Card and
contactless
Get up to 8% cashback
all year long for online
transaction
Equipped with contactless
features
for convenience,
security &
faster
transaction
Deal with special offers from
Bank OCBC partner merchants
in Indonesia.
For more info click here
For 3 months without a
minimum transaction
For the 2nd year and
so forth follow the applicable
program
Credit Card minimum payment 5%
of the total bill
Shopping at more than 29 million
merchants and VISA partners
Now traveling abroad is
easier
because you can transact
on Alipay
& Weixin Pay
with OCBC
Credit Card.
Info: web.ocbc.id/trxchina
Related information about OCBC Nyala Platinum
OCBC has the right to determine the amount of credit limit and type of Card that will be given by OCBC to the Cardholder.
Low Rate Installment
All transactions can be converted into 0% installments for 3 months without a minimum transaction or 0.5% up to 36 months via OCBC mobile and SMS
Please send an SMS from your registered mobile phone number to receive a confirmation reply.
SMS to 86477
The format of the SMS change transactions into installments as follows:
OCBC[space]CICIL[space]The Last 16 Digits of Credit Card number#Total Transaction#Tenor
Example: OCBC CICIL 5241690000001234#30000000#12
For More information, Click here
Easier payments with contactless features and accepted Worldwide. OCBC Nyala Platinum Credit Card is equipped with contactless features for convenience, security and faster transaction.
OCBC Nyala Platinum is accepted worldwide with more than 29 Millions merchants and service partners that collaborate with Mastercard international.
Apart from being able to do fund withdrawal in all OCBC Branches, OCBC Nyala Platinum 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 Nyala Platinum credit card limit.
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:
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 bill by various methods:
We are ready to serve you 24 hours a day 7 days a week to get information about Nyala Credit Card OCBC Platinum at 1500-999.
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 30 June 2026 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 30 June 2026 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 |
| 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, EDC and SMS IDR 25,000 per transaction Through Contact Center – Tanya OCBC IDR 25,000 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 Limit Increase Fee Notification Charges |
IDR 5,000 per bill per month IDR50.000 (only applied if the request is approved) 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
PIN is a secret code given to OCBC credit card holders, functioning for offline shopping transactions, cash withdrawals or bill payments at OCBC ATMs.
Notes:
The OCBC Credit Card is equipped with the 3D Secure feature for the convenience and security of your online transactions. Make sure the cellphone number that you are using matches the number that is registered in the Bank's system.
Be careful of fraud in the name of OCBC. OCBC has never authorized any party (including OCBC staff) to:
Your Credit Card
The chip stores your confidential data and offers greater security and convenience in making transactions.
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.
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.
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.
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.
Please keep this part away from magnet and do not scratch this part since it stores your Credit Card data.
For any information you need concerning OCBC Credit Card, you can call this number.
OCBC 90°N Credit Card is equipped with contactless features for convenience, security and faster transaction.
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
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 2026 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:
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.
Combined Credit Remaining
is the amount of credit limit remaining until the billing date and can be used for transactions.
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:
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
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
Cashback 10% + 10% for online transactions anywhere throughout the year up to IDR200,000 per billing statement*
*Effective billing December 2024
| Retail Minimum Transaction | Online Transaction | Additional Cashback for Subscription Transactions | Maximal Cashback per Billing Statement | ||
|---|---|---|---|---|---|
| Cashback | Maximum Cashback | Cashback | Maximum Cashback | ||
| IDR2,5 – 5 million | 3% | IDR50,000 | 3% | IDR50,000 | IDR100,000 |
| >IDR5 million | 10% | IDR100,000 | 10% | IDR100,000 | IDR200,000 |
Note: PT Bank OCBC NISP Tbk. (“OCBC”) has the right and authority to change, add and/or reduce the provisions in these Terms and Conditions by written notification at the Bank OCBC office or other media determined by Bank OCBC taking into account the provisions and laws and regulations. valid invitation. These Terms and Conditions are an integral and inseparable part of the General Credit Card Terms and Conditions.
The second year and so on are free annual fees if the total main card and additional cards minimum transactions of IDR 40 million in the previous 1 year or Main Card to become a Pro Nyala Customer (AUM >= IDR 25 Million)
All transaction can be changed to 0% installment 3 months without transaction or 0,5% up to 36 months via OCBC mobile
Semua transaksi bisa di ubah menjadi cicilan 0% selama 3 bulan tanpa minimum transaksi atau 0,5% hingga 36 bulan melalui OCBC mobile.
Caranya:
Frequently Asked Questions about OCBC Nyala Platinum
The CCV number is no longer visible on the back of the Nyala Platinum credit card. The CVV number can be seen on the OCBC mobile Application. With the following steps:
Customers can open credit card by applying Nyala Platinum Credit Card via OCBC mobile, Branch (through Service Advisor or Relationship Manager), MSA, TANYA 1500 – 999 and the OCBC Indonesia Website
Customers are required to have Nyala account first. Customers can open Nyala account through all bank channels like OCBC mobile, nboarding.ocbc.id, Branch and MSA
Nyala Platinum Credit Card can only be owned by customers who are members of the Nyala service or when applying for Nyala Platinum Credit Card, customers must also join the Nyala service
Customers who previously have Nyala Platinum Credit Card can still have it and there will be no card closing even though the customer is already a Premier/Private Banking customer
Nyala Platinum Credit Card doesn’t have reward points feature
Since 1 July 2020 for every Credit Card transaction in Indonesia it is mandatory to use a PIN and overseas transactions also use a PIN or contactless so that the signature column can be removed
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