Produk kartukredit

Bank Sinarmas Orami Credit Card

Special credit card to shop for mothers and children

Why choose Bank Sinarmas Orami Credit Card

Moms, have you ever felt that 24 hours a day is never enough for you? From the children’s need to the husband’s. Exhausted just to do monthly shopping for your little one’s needs. Tired, lack of quality time with the kids, and even for me time.

But, no more! Moms, now you can switch your children’s shopping list to Orami.co.id by using Bank Sinarmas Orami Credit Card. Want it?

The benefits you can get

Download SimobiPlus
    

How to apply

  • 1Download & Install Simobiplus
    Meet your banking needs in one hand
  • 2Apply for Bank Sinarmas Orami Credit Card through SimobiPlus Application
    Apply, and finish in one click! You will get SMS & email regarding the approval/rejection for your Bank Sinarmas Orami Credit Card application.
  • 3Meet Us!
    If your application is approved, visit Bank Sinarmas branch office/booth nearby.

Tariff and charges

RemarksAmount
Annual FeeFree
Interest fee for a retail transaction and cash withdrawal2,25%/month or 26.95%/year
Card replacement feeRp50.000,-
Maximum cash withdrawal per day at ATM machinesRp2.000.000
Cash withdrawal limitA maximum of 40% of the Credit Card limit
Cash withdrawal fee5% of the cash withdrawal amount or a minimum of Rp50,000 (which one is bigger)
Late payment fee3% of the total bill, a minimum of Rp50,000 and a maximum of Rp150,000
Overlimit feeRp75.000
Limit increase feeFree
Fee for changing the card typeUpgrade & downgrade : Free
Fee for a copy of Credit Card closing statementRp10.000
Fee for a copy ofMonthly Bill: Free
Local Sales Draft: Rp25,000
International Sales Draft: Rp100,000
Fee for PIN changingFree
Rejection feeCheck/Bilyet Giro: Free
Payment order: Free
Bill payment feeUsing Bank Sinarmas facilities Free
Using Bank Sinarmas facilities Free
Using another bank’s facilities: In accordance with the sender’s provision
Dispute handling feeRp50,000 per transaction

The Application Requirements of Bank Sinarmas Orami Credit Card

  • The Credit Card application can be submitted through SimobiPlus application. Download SimobiPlus for Android and IOS.
  • Individual (Indonesian citizen)
  • Age limit of the Credit Card applicant:
    • Main Card: at least 21 years old or married
    • Additional Card: at least 17 years old or married
  • To have Bank Sinarmas savings account (rupiah) as the source of funds to pay for for Credit Card by auto-debit.
  • To have an email for sending the e-statement (Credit Card billing statement).
  • Minimum income ≥ Rp3,000,000/month.
  • This product requires a guarantee/locked funds
    • Locked funds a minimum of Rp2,000,000,000
    • Locked funds a maximum of Rp2,000,000,000
  • Credit Card Limit (90% of the locked funds).
  • The bill payment must be made by auto-debit
  • Credit Card Limit is 90% of the locked funds
  • The bill is paid in full payment or a minimum payment of 10% of the total bill
  • Bank Sinarmas deserves the right to change these terms and conditions at any time without notice
  • The provisions of locking the funds subject to the applicable programs. The terms and conditions may change in accordance with the Bank’s policy and will be informed through the website of Bank Sinarmas and other media.

FAQ

Bagaimana cara pengajuan Kartu Kredit Bank Sinarmas Orami?

Kartu Kredit Bank Sinarmas Orami dapat diajukan melalui aplikasi SimobiPlus

Dokumen apa saja yang dibutuhkan?
  • Kartu identitas yang masih berlaku yaitu E-KTP/Surat keterangan pengganti E-KTP
  • NPWP (untuk limit ≥ Rp 50 Juta)
  • Slip Gaji/SPT terakhir/ Mutasi rekening tabungan 3 bulan terakhir
Apakah yang dimaksud dengan Kartu Kredit Bank Sinarmas Orami?

Kartu kredit co-branding Bank Sinarmas dengan e-commerce ORAMI yang diterbitkan oleh Bank Sinarmas dengan lisensi VISA yang diperuntukkan bagi para Ibu untuk berbelanja kebutuhan ibu dan anak secara online.

Bagaimana cara aktivasi Kartu Kredit Bank Sinarmas Orami?

Aktivasi Kartu Kredit Bank Sinarmas Orami hanya dapat dilakukan dengan menghubungi Bank Sinarmas CARE 1500153.

Bagaimana cara pembayaran tagihan Kartu Kredit Bank Sinarmas Orami?

Pembayaran tagihan kartu kredit ORAMI Bank Sinarmas dilakukan secara autodebet minimum payment (10%) atau full payment

Bagaimana cara untuk mengetahui tagihan Kartu Kredit Bank Sinarmas Orami?

Tagihan Kartu Kredit Bank Sinarmas Orami dikirimkan melalui email (e-statement) pada saat tanggal cetak tagihan. Tagihan juga dapat dilihat melalui internet banking dan mobile banking Bank Sinarmas (SimobiPlus).

Apakah ada batasan transaksi Kartu Kredit Bank Sinarmas Orami?

Tidak, Kartu Kredit Bank Sinarmas Orami dapat digunakan untuk transaksi di luar negeri ataupun transaksi online (fasilitas keamanan 3D Secure pada saat transaksi online, kode OTP dikirimkan ke nomor Handphone pemegang kartu)

Jika nasabah terlambat bayar, apakah pembayaran akan mengambil dari lock dana dan mengurangi limit Kartu Kredit Bank Sinarmas Orami?

  • Metode pembayaran penuh :
    Jika dalam 14 hari kerja setelah tanggal jatuh tempo tidak ada pembayaran, dana yang di lock akan dibuka untuk pembayaran tagihan, biaya bunga dan biaya keterlambatan dan kartu kredit otomatis diblokir. Apabila masih terdapat sisa dana pada rekening, maka dana tersebut sudah tidak di lock dan dapat digunakan. Berlaku untuk metode pembayaran secara penuh.
  • Metode pembayaran minimum 10% :
    Lock dana tidak dibuka namun akan dikenakan bunga, dan kartu akan diblokir otomatis apabila tunggakan tagihan dan biaya bunga tidak dibayarkan sampai lebih dari 60 hari, lock dana akan dibuka untuk membayar tagihan dan bunga, apabila masih terdapat sisa dana pada rekening, maka dapat digunakan.

Related Product

Bagikan          
Head Office Sinar Mas Land Plaza
Jl. M.H Thamrin kav 51,
Menara 1, Lantai 1 & 2,
Jakarta 10350 - Indonesia
Help Center FAQ Our Branch SBDK
Bank Sinarmas CARE 1500153
(021) 501 88888
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Bank Sinarmas is a member of Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan), registered with & supervised by OJK..
    
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Sinarmas Asset Management Terbaik Investasi Reksadana
Sinarmas Sekuritas Terbaik Online Trading Investasi Saham


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