Further Information

Enjoy a seamless travel experience and earn miles faster with your OCBC 90°NCard

Here are the features of the 90°N Credit Card

1. Travel miles for every transaction
   Use your OCBC 90°N Credit Card and earn 1 Travel Miles for every IDR12,000
   (Domestic) and IDR 10,000 ( Overseas ) spent with your OCBC 90N Credit Card
2. Double miles for Overseas Transactions
   Earn 2x Travel Miles for every transaction at Restaurants, Transportation, Lodging, and Airlines Abroad. Maximum 500 Travel Miles per month
3. Bonus miles
   Monthly bonus of 1,000 Travel Miles with a minimum bill of IDR 60 million per bill/cycle
4. Travel Miles Redemption

   Redeem your Travel Miles for a variety of options:

   • Airline Miles

   1 Travel Miles = 1,05 GarudaMiles/1 KrisFlyer/1 AirAsia points

   • Poinseru

   1,000 Travel Miles = 3,000 Poinseru that you can exchange for various attractive prizes, ranging from e-Vouchers, e-Wallets, selected products, to top-up electricity token balances and mobile phone

   • Rebate

   2,500 Travel Miles = IDR 100,000 to reduce transactions on your bill

5. Airport Lounge Access Compliment
   Enjoy complimentary Airport lounge access 2 times per year at Plaza Premium lounge, Terminal 3 International and access to more than 1,300 aiIDRort lounges in more than 130 countries via the DragonPass app (valid for Basic Card & Supplementary Card)

Simulation of earning Double Travel Miles

*Maximum Earning of 500 Travel Miles/month (maximum transaction of IDR 2,500,000/month)

Program Welcome Bonus 13.000 Miles

For new customers, enjoy the 13,000 (Thirteen Thousand) Travel Miles Welcome Bonus.

• Program Period: 1 July - 31 December 2025
• Welcome Bonus of 13,000 Travel Miles is only awarded to the 90°N Credit Card as Primary Card.
• The Welcome Bonus Program is valid for:
  1. Customers who have never had an OCBC 90°N Credit Card as Primary Card
  2. Customers who have previously held another OCBC Credit Card*
  3. Customers who hold a OCBC 90°N Credit Card as Supplementary Card*

     Note:

     *) If the Credit Card ownership in points 2 & 3 is in the following conditions:

     • Closed when the application of the 90°N Credit Card as the Main Card is approved, or
     • Has never been activated when the 90°N Primary Credit Card as the Primary Card is approved
• Activated but never used at all when the 90°N Primary Credit Card was approved
• The Welcome Bonus Program is not valid for customers who have previously had an OCBC 90°N Credit Card as Primary Card, even if it has been closed upon approval of a new one.
• The OCBC 90°N Credit Card must be activated within 2 months from approval.
  For example, if the OCBC 90°N Credit Card is approved on 15 July, 2025 then the OCBC 90°N Credit Card must be activated by 15 September, 2025.
• The transaction period is 3 months from the date the OCBC 90°N Credit Card is activated.
• Customers are required to make a minimum transaction of IDR40,000,000 during the transaction period, with a minimum monthly transaction of IDR10,000,000.

Simulation:
Date 90°N Credit Card Approval: July 15 ,2025
Date 90°N Credit Card Activation: September 15 ,2025
Therefore, the transaction period is July 15, 2025 to September 14 ,2025 with the following details:

90N Credit Card activated 15 Sept’25	1st month 15 Sept’25 - 14 Okt'25	2nd month 15 Okt'25 - 14 Nov'25	3rd month 15 Nov'25 - 14 Dec'25	Accumulation 15 Sept’25 - 14 Dec'25
Transaction Value	IDR 15.000.000	IDR 10.000.000	IDR 15.000.000	IDR 40.000.000




 

• Welcome Bonus will be awarded at the end of the 4th month from the date the Credit Card is activated

  Example:

  Credit Card activated date: September 15, 2025

  Maximum Welcome Bonus issuance date: January 31, 2026

• When crediting the Welcome Bonus, make sure the credit card status must be active and not in arrears
• The Welcome Bonus Program is not valid for the bundling segment of mortgages(KPR).
• The Bank reserves the right to cancel the provision of the Welcome Bonus if there is an indication of fraud
• To receive the Welcome Bonus, customers must claim it via SMS to 86477 using the mobile phone number registered with the Bank. Claims must be made no later than the end of the third month after the 90N Credit Card is activated, using the format:

  OCBC(space)BONUS90N(space)4 last digits of credit card number

  Example:

  Description	Date & Format
  90°N Credit Card Activation Date	5 Sept 2025
  Maximum date for SMS claim	31 Dec 2025
  SMS Claim Format	OCBC BONUS90N 1234

  
  

   

Make sure the Customer receives a reply message regarding the Welcome Bonus program from 86477. If they do not receive a reply, the Customer can immediately contact TANYA OCBC at 1500-999.

For futher information, click https://www.ocbc.id/cashbacknew

Travel Miles for every transaction

Earn 1 (one) Travel Miles for every IDR 10,000 (Ten thousand rupiah) overseas retail transaction and every IDR 12,000 (Twelve thousand Rupiah) domestic retail transaction

1. Spending transactions that earn Travel Miles are retail spending transactions of the main Credit Card and supplement Credit Cards that have been booked in the Bank's system and exclude all installment transactions, cash withdrawals, Loan on Phone and cancelled transactions.
2. Transactions that do not earn Travel Miles are as follows:
   1. All installment transaction
   2. Cash withdrawl
   3. Loan on Phone
   4. Cancelled transaction
   5. Monthly bill payment transactions and government agency services:
      • Payment at State Electricity Company (PLN)
      • Payments at Drinking Water Company (PAM)
      • Payments of Online Taxes
      • Payments of Customs duty
      • Payments of BPJS
      • Payment of digital advertising service
      • Payments at other government institutions through e-commerce platforms
   6. Transactions for education fees, whether for schools, universities, or courses
   7. Digital advertising service payment transactions
   8. Fuel refueling transactions at petrol stations
   9. Monthly bill payment transactions through OCBC Credit Card     
3. Double Travel Miles for overseas transactions at Restaurants, Transportation, Hotels, and Flights (maximum 500 Travel Miles per bill).
4. The maximum limit of your Travel Miles earned in each billing period is calculated based on:

   Your card's Credit Limit (permanent*) ÷ IDR 12 Thousand Travel Miles Earned Value.

   With the following illustration of the maximum Travel Miles earned per Billing Period:

   Illustration of Calculation Per Billing Period
   Limit Credit Card	Maximum Travel Miles Earned
   IDR20 million	IDR20 million ÷ IDR12 thousand = 1.667 Travel Miles
   IDR250 million	IDR250 million ÷ IDR12 thousand = 20.833 Travel Miles
   IDR500 million	IDR500 million ÷ IDR12 thousand = 41.667 Travel Miles

   *Calculation is based on the permanent credit limit, not on the limit of temporary increases and outside of earning Double miles & Bonus Miles

5. Travel Miles are valid for 1 year from the date of acquisition
6. The number of Travel Miles is the sum of the Primary Credit Card and Additional Credit Card transactions.
7. Travel Miles which can be seen in the Miles balance column on the billing statement, OCBC mobile  
8. Information on the number of Travel Miles and validity period can be seen directly on the OCBC mobile
9. Travel Miles When redeeming Travel Miles, make sure the credit card is active and unblocked.
10. Foreign transactions are transactions recorded in foreign currencies other than Rupiah (IDR).
11. Travel Miles will be credited a maximum of 1 month after the transaction is posted on the Bank's system.
12. Travel Miles are only awarded on your primary credit card with a current and unblocked payment status.
13. That the Bank has the right to debit the previously credited Travel Miles if the customer converts the transaction into installments or does not meet the conditions.
14. For more information, please contact Tanya OCBC at 1500-999.

Travel Miles Redemption

Travel Miles can be redeemed for KrisFlyer, GarudaMiles, Cash Rebate, Poinseru and Annual Fee with the following redemption details:

Travel Miles can be redeemed through OCBC mobile and raih.id website

Here is information on the steps to exchange www.ocbc.id/travelmiles

Here are the redemption values:

1. The conversion of 1 (one) Travel Miles is equal to 1 KrisFlyer (Singapore Airlines)/ 1.05 GarudaMiles (Garuda Indonesia)/ 1 AirAsia points (Air Asia). Redemption can only be processed if the name on the member airlines is the same as the name of the credit card holder.
2. Travel Miles can be used to reduce transactions (rebates)
   Worth 2,500 Travel Miles = IDR 100,000
3. Travel Miles to Poinseru
   Worth 1,000 = 3,000 Poinseru
4. Travel Miles for annual contthousand tion payments
   1. 25,000 Travel Miles for 1 year free of charge (main card)
   2. 12,500 Travel Miles for 1 year free of charge (supplement card)

Simulation of new customers to get IDR 2,353 = 1 Travel Miles (overseas transactions), with the following calculation:

*17.000 Travel Miles = 17.000 Krisflyer

1. Exchange rate of 17,000 Krisflyer = 1 Ticket from Jakarta to Singapore (Round Trip, Economy Class - Saver) using Singapore Airlines
2. Redemption from Travel Miles to Krisflyer can be done through Raih.id which can be accessed through the browser or OCBC mobile application

General Terms and Conditions of the Welcome Bonus and Travel Miles Activation Program

1. The Activation and Welcome Bonus Program ("Terms and Conditions") has been adjusted to the provisions of laws and regulations including the provisions of the Financial Services Authority's regulations.
2. Travel Miles cannot be given or transferred to another person
3. Travel Miles that have been redeemed cannot be redeemed for any reason.
4. Travel Miles that have expired, cannot be extended, used or returned for any reason.
5. Customers who redeem Travel Miles and fail due to reasons from the merchant, Travel Miles will be refunded a few Travel Miles that have not expired in the redemption period, with a refund process of 14 working days.
6. The Bank reserves the right to refuse redemption of reward points and/or mileage and/or cash back if the Cardholder violates these Terms and Conditions, or the Cardholder has terminated/closed the relevant Credit Card or is participating in a risk mitigation program or payment settlement program or another similar program.
7. The Bank reserves the right to debit the reward points and/or mileage and/or cash back credited in advance if the Cardholder converts the transaction into instalments or does not meet the conditions.
8. Expired Travel Miles cannot be refunded if they have been redeemed, and the transaction fails.
   Example: The customer redeems 5000 Travel Miles on June 29, 2024, where there are 400 Travel Miles that will expire on June 30, 2024. The merchant confirms on July 2, 2024, that the item is empty and cannot be processed, then the returned Travel Miles are 4600 Travel Mileage
9. For mileage redemption, the registered membership card must be the same as the customer's profile data at OCBC. OCBC reserves the right to cancel the redemption of Travel Miles if the name on the profile at OCBC and on the member miles card is different.
10. If you see the number of Travel Miles "0" on OCBC mobile or raih.id, then there are 2 possibilities:
    1. You have not made a transaction that meets the requirements for accumulating points (no Travel Miles have been accumulated), or
    2. There is an adjustment of Travel Miles for the amount of points earned because your transaction is canceled or converted into installments.
11. OCBC, at its discretion and consideration, reserves the right to suspend or cancel the awarding of prizes if there is an indication of fraud, impropriety or violation of these Terms and Conditions.
12. OCBC has the right and authority to amend, add and/or reduce these Terms and Conditions by notification through the media that OCBC deems appropriate by taking into account the provisions and applicable laws and regulations.
13. OCBC never asks for the Customer's PIN, OTP, user ID, Password and CVV for any reason through any means including telephone or link. Keep your Banking personal data information safe. If the Customer finds anything suspicious, immediately contact TANYA OCBC at 1500-999 / +62-21-26506300 (from overseas) or email: tanya@ocbc.id
14. All complaints and complaints in connection with the redemption of Travel Miles are submitted to OCBC via 24 (twenty-four) hour service to Ask OCBC 1500-999 and/or email to tanya@ocbc.id;
15. Complaints and complaints as per point 11 are submitted to OCBC no later than 1 (one) week after the redemption of Travel Miles. Complaints received by OCBC after the deadline will not be followed up.
16. If there are any questions about the products exchanged, other than products from OCBC, customers can directly contact the brand/merchant concerned.
17. PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority & Bank Indonesia and is a participant in the LPS guarantee.

Low Rate Installment

Installment Conversion is a term credit facility for your credit card spending transactions ranging from 3 to 36 months with easy installment. The interest rate in the Installment Conversion is determined by Bank OCBC and may change at any time with prior notice. The period of installment is set by the Card Holder itself and cannot be changed again. Cardholder can request Installment through : 

1. SMS 

Send SMS from registered Mobile Phone at the Credit Card system and you will directly get SMS confirmation 

SMS Format:OCBC(spasi)CICIL(spasi)16 Digit No Kartu Kredit#Jumlah Transaksi#Tenor 
Contoh: OCBC CICIL 5241690000001234#30000000#12 

2. OCBC mobile
   • Login into OCBC mobile Application 
   • On the ‘Loan’ tab, choose your Credit Card type 
   • Click ‘Convert to installment’ on the respective transaction 
   • Choose the Instalment and tenure that you want, then click ‘Continue’ 
   • Input ‘Transaction PIN’ 
   • Your Installment request has been successfully submitted. Confirmation will be sent through Email. 

 For More information, Click here

Contactless Feature
Easier payments with contactless features and accepted Worldwide. OCBC 90°N Credit Card is equipped with contactless features for convenience, security and faster transaction.

Accepted Worldwide
OCBC  90°N is accepted worldwide with more than 29 million merchants and service partners that collaborate with VISA international.

Worldwide Access to your Fund
Apart from being able to do fund withdrawal in all OCBC Branches, OCBC 90°N Credit Card can also be used for fund withdrawal in more than 1 Million ATMs worldwide, 24 hours a day and 7 days a week. You can withdraw up to 60% of your OCBC 90°N Credit Card limit by visiting the nearest ATM and selecting the cash withdrawal menu using your Credit Card PIN.

Bill Payment Facility
Your OCBC Credit Card can be used to pay recurring utilities payment such as TELKOM, PLN, PAM, TV Subscription, IPL (building maintenance fee) and Insurance by:

1. OCBC Bill
   Register your recurring bill for service providers in agreement with OCBC  by contacting Tanya OCBC 1500-999 or your Relationship Manager. More information, click here
2. OCBC ATM
   Visit the nearest OCBC ATM and choose “Payment / Purchase” menu using your credit card PIN. If you do not have your PIN yet, please create your PIN immediately. More info ocbc.id/pin

Bill payment flexibility
Your OCBC credit card payment can be done by paying the minimum 5% of the total bill or IDR 50,000 (whichever is higher).

You can pay your OCBC 90°N bill by various methods:

• Via OCBC ATMs all over Indonesia
• Internet Banking and Mobile Banking OCBC Bank
• Cash deposit in all OCBC branches
• Direct Debit by signing standing instruction in all OCBC Bank branches
• Lalu Lintas Giro (LLG)/Clearing
• Over booking from OCBC savings account/Giro in all OCBC branches
• Transfer via ATM Bersama or ATM Prima

Tanya OCBC (Contact Centre)
We are ready to serve you 24 hours a day 7 days a week to get information about OCBC 90°N credit card with contact Tanya OCBC1500-999/+62-21-26506300 (from overseas) or e-mail tanya@ocbc.id

Complimentary Domestic and International Airport Lounge Access

Complimentary access at the International Airport Lounge and Domestic Airport Lounge in collaboration with OCBC through the DragonPass Application. Main Credit Card Owner and an supplementary Credit Card OCBC 90⁰N owner are entitled to enjoy two complimentary visits per year to the Airport Lounge.

To obtain the Membership Number and Activation Code DragonPass, please contact TANYA OCBC 1500-999 at least 3 days before to the departure date. Make sure the DragonPass membership app is downloaded and registered.Click here for more details.

List of cooperated Domestic Airport Lounges via DragonPass Application:

Note : ^*) Airport Lounge Operational Day and hours are entirely under respective Airport Lounge’s authority, not the authority of the Bank

Conditions for Submitting OCBC 90°N

• Minimum 21 years for major cardholders
• Minimum 17 years for additional card holders
• Minimum annual income of Rp120 Million
• citizen or foreigner

OCBC reserves the right to determine the amount of the credit limit and the type of Card that will be provided by OCBC to the Cardholder.

General Terms & Condition OCBC Credit Card

Credit Card General Terms & Conditions Terms and Conditions for Activating Credit Card OCBC OCBC Online Credit Card Activation Terms and Conditions Through OCBC Mobile Terms and Conditions for Cash Disbursement of OCBC Credit Card Through OCBC Mobile Terms and Conditions for Permanent Blocking OCBC Credit Card Through OCBC Mobile Terms and Conditions for applying Temporary Blocking of OCBC Credit Card Through OCBC Mobile Terms and Conditions for the Activation of the OCBC Tap Credit Card Feature Through OCBC mobile Terms and Conditions for Requesting a Temporary and Permanent Credit Limit Increase for OCBC Credit Card Through OCBC Mobile Terms and Conditions for Unblocking OCBC Credit Card Through OCBC Mobile

Interest and Fees

Interest Calculation for Shopping Transactions (Retail):
Interest will be charged if the Cardholder pays less than the total of the new bills, or pays after the Due Date. Interest on Purchase Transactions is calculated based on the Posting Date of the transaction made. The interest rates that apply to purchase transactions are listed on the billing statement. Unpaid fees, penalties, or interest are not included into the interest calculation component. Interest will be charged on the next billing statement. For a complete interest calculation can be seen in the credit card interest calculations illustration.

Interest Calculation for Cash Advance Transactions:
Interest for Cash Advance is charged and calculated from the Cash Advance Date until the full payment date of the Cash Advance transaction. The interest rates that apply to Cash Advance transactions are listed on the Billing Sheet. Unpaid fees, penalties, or interest are not included in the interest calculation component. For a complete interest calculation can be seen in the illustration of the Credit Card Interest Calculation.

Illustration of Interest Calculation for Purchase Transactions (Retail)*

* This illustration uses the Platinum Credit Card due date

Note:
Illustration of interest calculation can give different results caused by:

1. Rounding of calculations.
2. The sequence of bill payment. For further information of bill payment sequence, reffering to the General Terms and Conditions of OCBC Credit Cards.

Illustration of Cash Advance Transaction Interest Calculation**

The example of calculation of interest on Cash Advance transactions:
The Cash Advance transaction of IDR 1,000,000 is made and recorded on March 8, 2020. The Billing Statement print date is March 10, 2020. The Due Date is April 2, 2020.

The Cash Advance transaction interest that printed on the Billing Statement sheet for April 2020 is IDR 1,726 (*** see calculation method below).

Image of interest day calculation for Cash Advance transactions

** This illustration uses the calculation of the Titanium Credit Card due date
*** The interest calculation for the Cash Advance transaction was billed in April 2020 as follows:

Interest = IDR 1,000,000 x 3 x (1,75% x 12 months) / 365 = IDR 1,726

Personal Identification Number(PIN)

PIN is a secret code given to OCBC credit card holders, functioning for offline shopping transactions, cash withdrawals or bill payments at OCBC ATMs.

Get your 6 digit OCBC Credit Card PIN by following:

1. OCBC mobile Application Download the latest version of OCBC mobile OCBC and follow the steps below:
   1. Log in with your User ID and Password
   2. Click "What You Owe“
   3. Choose Card
   4. Click "Create/Change PIN“
   5. Set your PIN and reconfirm
   6. PIN successfully set
2. SMS Sending SMS to 86477* with SMS Format: OCBC[space]SETPINCC[space]Last 4 Digit Credit Card#Date of Birth DDMMYYYY#Your 6 Digit PIN
   For Example: OCBC SETPINCC 1234#14121990#180825

   Notes:

   1. Create PIN through OCBC mobile only for Basic Card Holder
   2. Create PIN through SMS for Basic and Supplement Card Holder using the registered telephone number on the Bank

IMPORTANT TO NOTE!

The OCBC Credit Card is equipped with the 3D Secure feature for the convenience and security of your online transactions. Make sure the cellphone number that you are using matches the number that is registered in the Bank's system.

Be careful of fraud in the name of OCBC. OCBC has never authorized any party (including OCBC staff) to:

1. Take back your Credit Card for any reason.
2. Request confidential data such as User ID, PIN, Password, Passcode/OTP and CVV for any reason.

1. Chip
   The chip stores your confidential data and offers greater security and convenience in making transactions.
2. Your Name
   Only the person whose name is printed on the Credit Card shall be entitled to use it. Therefore, please check the name on your credit card and report immediately to OCBC if it is incorrect.
3. Expiry Date
   Your Card is effective as from the date you receive and activate your Credit Card in the month up to the last day of the month and year printed on this part.
4. Credit Card Number
   This is a unique series of number for your credit card. Please indicate these numbers in every correspondence with OCBC. Please clearly indicate these numbers for each payment or transaction of your Credit Card.
5. Signature Sticker
   As soon as you receive OCBC Credit Card, please immediately sign on this part. Make sure your signature matches to the one on your Identity Card.
6. Magnet Stripe
   Please keep this part away from magnet and do not scratch this part since it stores your Credit Card data.
7. Call OCBC
   For any information you need concerning OCBC Credit Card, you can call this number.
8. Contactless Technology
   OCBC 90°N Credit Card is equipped with contactless features for convenience, security and faster transaction.

Information on The Billing Statement
The billing statement is a summary of transaction details of your OCBC Credit Card (from the previous month's billing date up until the subsequent billing date). Details of transactions printed are transactions made using the primary card and the supplementary card (if any). There is no separate billing statement for supplementary cards.

Primary Credit Card Number
This is OCBC Primary Credit Card number.

Statement Date
This is the date of transactions and other outstanding balances billing. It will fall on the same date each month.

Payment Due Date
This is the payment deadline for the outstanding balances on which the payment shall have been received by PT. Bank OCBC NISP, Tbk, namely 16 days for Platinum, 90°N, Voyage Credit Card and 23 days for Titanium Credit Card as from the billing date. A minimum payment must be paid off each month on or before the due date even if you have not received the Billing Statement. Payment received after the due date shall be subject to late charge.

Current Month's Bill
This is the outstanding balance on the billing date which includes previous month's outstanding balance and transactions made up to the billing date, fees, interests and corrections deducting payments and credit.

Minimum Payment
The minimum payment is 5% of the outstanding balance or IDR 50,000 (whichever higher)*. If your outstanding balance exceeds your credit limit, such excess shall be added to the minimum payment which is about to become due. If you have not paid off the previous month's minimum payment, such amount shall also be added to your minimum payment which is about to become due. If there is any instalment transaction, it shall be billed in full.

*Until 30 June 2026 or always binding with Bank Indonesia regulations

Transaction Date
This is the date of the transactions of purchase, cash advance or other transactions made using OCBC Credit Card.

Posting Date
This is the date on which your transaction is posted or charged to your OCBC Credit Card account.

Transaction Description
This column contains information on the details of transaction made using your OCBC Credit Card:

• Previous month's statement which shows the ending balance of the previous month's bill prior to deduction of payment and added by new transactions and fees/penalties
• Payment will deduct the balance of previous month's bill
• Fees or penalties are the value of fees or penalties charged to your OCBC Credit Card account. For example, the annual fee or late charge if you made the payment after the due date.
• For transactions made in foreign currency, the foreign currency code will be indicated and the transaction value will be converted into Rupiah
• If you have a supplementary card, the supplementary cardholder's name and card number, along with the transaction details of your supplementary card will be found in a separate section. If you do not have any supplementary card, there will only be the transaction details of the primary card
• The current month's bill is the total of the previous month's bill deducting the payment and added by new transactions (primary and supplementary cards transactions, fees and interests)
• Credit status is a classification of whether a credit payment is smooth or not.

Purchase
This is the total amount of purchase transactions of your OCBC Credit Card in the current month.

Administration Interests & Fees
This is the amount of interest (only if there is an interest expense) and administration fees charged.

Payment
This is the amount of payment of the OCBC Credit Card bill which you have made.

Total
This is the total amount of bill you have to pay in the current month.

Combined Limit
Total credit limit assigned to a cardholder through 1 or more credit card(s) owned. The total credit limit of your OCBC Credit Card constitutes the combination of credit limit of all credit cards you own. If you only have 1 card, the combined limit is equal to your Primary Card limit.

Remaining Combined Credit
This is the remaining amount of credit limit up until the billing date and can be used for transactions.

Current Miles
Is the number of Miles you earned this month.

Miles Expired Next Month
Is information on the number of miles that will expire.

Expiry Date
Is the deadline date for your Miles to be valid.

Interest Rate (% of Retail Interest)
This is the information on the interest rate to be applied due to the customer's failure in making full payment of a bill. The rate is determined by the bank.

Interest Rate (% Cash Advance)
This is the information on the interest rate to be applied for cash advance transactions, the rate is determined by the Bank.

Note:
You will be charged the interest for:

• Payment made after the due date
• Minimum payment or non-full payment
• Payment less than the minimum payment
• Non-payment
• Cash advance transaction

Partner Merchants in Indonesia
Deal with special offers from Bank OCBC partner merchants in Indonesia

VISA Partner Merchants
Trade with special offers from VISA merchants all over the world

Partner Merchants in Singapore and Malaysia
Trade with special offers from VISA merchants in Singapore and Malaysia