Bank Sinarmas : 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

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

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 :

Dikirimkan melalui email (e-statement) pada saat tanggal cetak tagihan.
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)