Produk kartukredit

Platinum Personal Credit Card

Credit Card intended for the individual which is issued by Bank Sinarmas and can be used as a substitute for cash payment with Visa’s license

Why choose Platinum Personal Credit Card

Platinum Personal Credit Card is a Credit Card intended for the individual which is issued by Bank Sinarmas and can be used as a substitute for cash payment with Visa’s license.

  • Cash substitute
  • Free interest fee up to 45 days
  • Easiness in transaction abroad, in various foreign currencies
  • Easiness in arranging personal expenses

The benefits you can get


Get 0.5% cashback for retail transaction using Bank Sinarmas Platinum Personal Credit Card both in the country and abroad without restriction


Enjoy the discounts at more than 20,000 merchants (partner’s booth) of Sinarmas

Exchange Rate

Interesting for every transaction abroad

Free Annual Fee

Enjoy free annual fee for life

How to Apply

  • 1Age limit of the Credit Card applicant :
    • Main Card: at least 21 years old or married
    • Additional Card: at least 17 years old or married
  • 2To have Bank Sinarmas savings account (rupiah) as the source of funds to pay for Credit Card auto-debit.
  • 3To have an email for sending the e-statement (Credit Card billing statement).
  • 4To attach the below documents :
    • Credit Card application form
    • A copy of ID card
      • Indonesian citizen: ID Card/Passport
      • Foreign citizen: Passport, Temporary Stay Permits/Temporary Residence Permits, and Recommendation Letter from the company
    • A copy if TIN
    • Salary slip/account mutation, at least the last 3 month/Annual Return Tax

Tariff and charges

Annual FeeMain Card: Free
Additional Card: Free
Interest fee for retail transaction and cash withdrawal2,25%/month or 26.95%/year
Card replacement feeRp50,000
Maximum cash withdrawal per day at ATM machinesSilver : Rp2,000,000
Gold & Platinum : Rp10.000.000
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 feeRp100.000
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
Via Bank Sinarmas teller : Free
Using another bank’s facilities : In accordance with the sender’s bank
Dispute handling feeRp50,000 per transaction
Fee for a copy of Credit Card closing statementRp10,000


Apakah yang dimaksud dengan Kartu Kredit Bank Sinarmas?

Kartu kredit yang diterbitkan oleh Bank Sinarmas yang dapat digunakan sebagai pengganti pembayaran uang tunai dengan lisensi Visa.

Bagaimana cara aktivasi Kartu Kredit Bank Sinarmas?

Aktivasi kartu kredit hanya dapat dilakukan oleh PIC perusahaan atau karyawan pemegang kartu kredit dengan menghubungi Bank Sinarmas CARE 1500153

Bagaimana cara pembayaran tagihan kartu kredit Personal Platinum Bank Sinarmas?

Pembayaran tagihan kartu kredit Personal Platinum Bank Sinarmas dilakukan dengan autodebet rekening giro perusahaan secara penuh (full payment)

Bagaimana cara untuk mengetahui tagihan kartu kredit Bank Sinarmas?

Tagihan kartu kredit Bank Sinarmas dapat diketahui :

  1. Dikirimkan melalui email (e-statement) pada saat tanggal cetak tagihan.
  2. Melalui internet banking dan mobile banking Bank Sinarmas.

Apakah ada batasan transaksi kartu kredit Bank Sinarmas?

Tidak, kartu kredit 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)

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Jl. M.H Thamrin kav 51,
Menara 1, Lantai 1 & 2,
Jakarta 10350 - Indonesia
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