Bank Sinarmas Virtual Platinum Personal Credit Card

Why choose Platinum Personal Credit Card
The benefits
How to Apply
Tariff and charges
FAQ

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

	Cashback Get 0.5% cashback for retail transaction using Bank Sinarmas Platinum Personal Credit Card both in the country and abroad without restriction
	Discount 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
	Enjoy Your Safe Online Transaction with 3D Secure 2.0 The e-commerce transaction service is secured by OTP (One Time Password) verification

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

Remarks	Amount
Annual Fee	Main Card: Free Additional Card: Free
Interest fee for retail transaction and cash withdrawal	2,25%/month or 26.95%/year
Card replacement fee	Rp50,000
Maximum cash withdrawal per day at ATM machines	Silver : Rp2,000,000 Gold & Platinum : Rp10.000.000
Cash withdrawal limit	A maximum of 40% of the Credit Card limit
Cash withdrawal fee	5% of the cash withdrawal amount or a minimum of Rp50,000 (which one is bigger)
Late payment fee	3% of the total bill, a minimum of Rp50,000 and a maximum of Rp150,000
Overlimit fee	Rp100.000
Limit increase fee	Free
Fee for changing the card type	Upgrade & downgrade : Free
Fee for a copy of Credit Card closing statement	Rp10.000
Fee for a copy of	Monthly Bill : Free Local Sales Draft: Rp25,000 International Sales Draft: Rp100,000
Fee for PIN changing	Free
Rejection fee	Check/Bilyet Giro : Free Payment order: Free
Bill payment fee	Using Bank Sinarmas facilities : Free Via Bank Sinarmas teller : Free Using another bank’s facilities : In accordance with the sender’s bank
Dispute handling fee	Rp50,000 per transaction
Fee for a copy of Credit Card closing statement	Rp10,000

FAQ

Bagaimana cara pengajuan Kartu Kredit Virtual Platinum ?

Cara pengajuan Kartu Kredit Virtual Platinum dapat diajukan melalui aplikasi SimobiPlus.

Bagaimana cara aktivasi Kartu Kredit Bank Sinarmas?

Aktivasi kartu kredit dapat dilakukan melalui SimobiPlus atau menghubungi Bank Sinarmas CARE 1500153

Bagaimana cara pembayaran tagihan Kartu Kredit Virtual Platinum ?

Pembayaran tagihan Kartu Kredit Virtual Platinum Bank Sinarmas bisa dilakukan secara autodebet, transfer via ATM/SKN, via teller, via aplikasi SimobiPlus, via Internet Banking, dan channel lainnya yang dimiliki Bank Sinarmas.

Bagaimana cara untuk mengetahui tagihan Kartu Kredit Virtual Platinum ?

Tagihan kartu kredit Bank Sinarmas dapat diketahui :

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

Apakah ada batasan jangkauan untuk bertransaksi menggunakan Kartu Kredit Virtual Platinum ?

Tidak, Kartu Kredit Virtual Platinum dapat digunakan untuk transaksi di luar negeri ataupun transaksi online dengan fasilitas keamanan 3D Secure pada saat transaksi online serta kode OTP dikirimkan ke nomor handphone pemegang kartu.

Dokumen apa saja yang dibutuhkan untuk pengajuan Kartu Kredit Virtual Platinum ?

Kartu identitas yang masih berlaku yaitu E-KTP/Surat keterangan pengganti E-KTP
NPWP
Slip Gaji/SPT terakhir/ Mutasi rekening tabungan 3 bulan terakhir

Bisakah mengajukan Kartu Kredit Virtual tambahan ?

Bisa, jika pemegang kartu menginginkan kartu tambahan, maka harus mengajukan Kartu Kredit fisik dahulu (untuk Kartu Kredit virtual tetap bisa digunakan). Setelah itu, pemegang kartu dapat mengajukan kartu tambahan ke Kantor Cabang.

Bagaimana cara link Kartu Kredit Virtual Platinum ?

Kartu Kredit Virtual Platinum yang telah disetujui dapat di-link agar bisa digunakan untuk transaksi dengan cara berikut:

Buka aplikasi SimobiPlus
Pada menu Credit Card, klik "LINK CREDIT CARDS"
Kartu Kredit Virtual siap digunakan untuk bertransaksi

Apa saja fitur pengaturan Kartu Kredit Virtual yang bisa digunakan di SimobiPlus ?

Anda bisa menikmati kemudahan fitur di SimobiPlus untuk membuat PIN kartu, blokir/buka blokir kartu, melihat CVV code, dan mengajukan pencetakan kartu. Cek langkah selengkapnya di sini.

Jika nasabah terlambat bayar, biaya apa saja yang dikenakan ?

Jika setelah tanggal jatuh tempo tidak ada pembayaran, maka nasabah akan dikenakan biaya keterlambatan dan bunga sesuai dengan tarif dan biaya yang berlaku dari Bank Sinarmas.