Discover the various BCA credit card options with outstanding features, from cashback and flexible installments to exclusive services for shopping, travel, and lifestyle.
Bank Central Asia (BCA) is one of Indonesia’s largest banks, offering a wide range of credit cards with attractive benefits. Each BCA credit card is designed to meet specific needs, whether for daily shopping, international travel, or exclusive privileges.
Here is a comprehensive list of BCA Credit Cards, along with their features, benefits, and requirements to help you choose the right one.
1. BCA Everyday Card: Best for Daily Transactions
The BCA Everyday Card is perfect for frequent shoppers, offering cashback and flexible installment plans.
Key Benefits:
- 5% cashback for gas station transactions (non-subsidized).
- 5% cashback at Hypermart, Transmart, Lotte Mart, and Giant.
- 5% installment rate all year round.
- Can be used as Flazz for tolls, parking, commuter line, and busway payments.
Requirements:
- Minimum income: IDR 3 million per month
Annual fees:
- Primary card: IDR 125,000
- Supplementary card: IDR 100,000
2. BCA Card Platinum: High Limit Credit Card
Designed for users with an exclusive lifestyle and high-value transactions.
Key Benefits:
- Minimum credit limit of IDR 20 million.
- Daily cash withdrawal limit of IDR 10 million.
- Exclusive services for priority customers.
Requirements:
- Minimum income: IDR 10 million per month
Annual fees:
- Primary card: IDR 250,000
- Supplementary card: IDR 175,000
3. BCA Card Indomaret: Best for Shopping at Indomaret
A special collaboration between BCA and Indomaret to offer exclusive promotions.
Key Benefits:
- Annual fee waiver if monthly spending reaches IDR 500,000.
- 5% discount on Indomaret-labeled products.
- Weekend discount of IDR 25,000 and weekday discount of IDR 15,000 (minimum transaction IDR 150,000).
Requirements:
- Minimum income: IDR 3 million per month
- Credit limit: IDR 3 million – 19 million
- Daily cash withdrawal limit: IDR 4 million
Annual fees:
- Primary card: IDR 125,000
- Supplementary card: IDR 100,000
4. BCA Mastercard Platinum: Low-Interest Installments
Perfect for high-value transactions, offering flexible installment plans.
Key Benefits:
- 25% interest rate for up to 9 months.
- 75% installment rate for up to 36 months.
- Minimum credit limit of IDR 20 million.
- Daily cash withdrawal limit of IDR 10 million.
Annual Fees:
- Primary card: IDR 125,000
- Supplementary card: IDR 100,000
5. BCA Mastercard Black: Premium Card for Travelers
Designed for frequent travelers who require exclusive services.
Key Benefits:
- BCA Travel Service for passport, travel documents, tickets, and hotel bookings at no extra cost.
- Minimum credit limit of IDR 20 million.
- Daily cash withdrawal limit of IDR 40 million.
Annual Fees:
- Primary card: IDR 450,000
- Supplementary card: IDR 250,000
6. BCA Mastercard Matahari: Best for Matahari Department Store Shopping
A special credit card for loyal Matahari shoppers.
Key Benefits:
- IDR 60,000 cashback for minimum monthly spending of IDR 600,000.
- 0% installment for purchases over IDR 1 million via BCA EDC machines.
Requirements:
- Minimum income: IDR 3 million per month
- Credit limit: IDR 3 million – 19 million
- Daily cash withdrawal limit: IDR 4 million
Annual fees:
- Primary card: IDR 125,000
- Supplementary card: IDR 100,000
7. BCA Visa Batman: Entertainment & Lifestyle Card
A credit card designed for entertainment enthusiasts.
Key Benefits:
- Exclusive promos for cinemas, restaurants, and entertainment venues.
- Credit limit of IDR 14 million per month.
- Daily cash withdrawal limit of IDR 4 million.
Requirements:
- Minimum income: IDR 5 million per month
Annual fees:
- Primary card: IDR 125,000
- Supplementary card: IDR 100,000
8. BCA Visa Black Signature: Best for International Transactions
Ideal for frequent travelers and global transactions.
Key Benefits:
- BCA Travel Service for travel arrangements at no extra cost.
- 0% installment for foreign transactions with a 12-month tenure.
- Credit limit: IDR 3 million – 24 million.
- Daily cash withdrawal limit: IDR 4 million.
Requirements:
- Minimum income: IDR 10 million per month
Annual fees:
- Primary card: IDR 450,000
- Supplementary card: IDR 250,000
9. BCA Singapore Airlines KrisFlyer Visa Signature: Earn Miles with Every Purchase
Perfect for frequent Singapore Airlines travelers to accumulate KrisFlyer miles faster.
Key Benefits:
- Earn KrisFlyer miles for every transaction, redeemable for flight tickets.
Requirements:
- Minimum income: IDR 3 million per month
Annual fees:
- Primary card: IDR 500,000
- Supplementary card: IDR 300,000
10. BCA JCB Black: Exclusive International Credit Card
Best suited for premium customers who frequently travel to Japan, South Korea, and Singapore.
Key Benefits:
- Double reward points for retail transactions.
- Competitive exchange rates for foreign transactions.
- 0% installment for international transactions over IDR 3 million (up to 12 months).
Conclusion
BCA provides a wide selection of credit cards tailored to your lifestyle and financial needs. Whether for daily expenses, shopping, entertainment, travel, or business, BCA has the right credit card for you.
Similarly, Mandiri Credit Card offers various benefits and features, making it a great option for managing your financial transactions efficiently.
