Savings planning for financing further education and certification

Benefit:

Free annual fee for the first 2 years (only for main/basic cards)

Terms and Conditions:

1. Valid for new cardholders.
2. Valid for all types BCA credit cards, except BCA AMEX Platinum, BCA Mastercard World, and BCA Singapore Airlines.
3. Using source code:
   • CPNSML: for applications through branches
   • SML: for applications online
4. Valid until December 31, 2025 with a maximum limit approved until January 31, 2026

Benefit: 30% discount for BCA Life – MyGuard products

Terms & Conditions:

• Promo Code: OMGJR30
• Valid for the first premium insurance, with a maximum discount of IDR100,000 for each purchase.
• Valid for all MyGuard products and packages.
• Valid for purchases through all MyGuard product marketing platforms at BCA.
• Only 1 (one) promotion code can be used for each purchase.
• Valid until December 31, 2025.

Benefit: Premium Insurance Discount for purchasing BCA Insurance products

Terms & Conditions:

• Valid to all customers.
• Valid for certain events (Expo, Wealth Summit, and other events).
• The discounts does not require filling out an application form.
• Premium discounts apply to purchases of new policies in 2025 or renewal policies from purchases of policies in 2024.
• The discounts is carried out by deducting the premium paid by the customer directly.
• The program applies to new policies and cannot be combined with other benefit programs.

Cashback up to IDR500,000 for Mutual Funds

Terms & Conditions:

• Valid until June 30, 2025
• Valid for new investors (who have never transacted Mutual Funds or Bonds at BCA).
• Minimum transaction IDR500,000,-
• Valid for Mutual Fund products with IDR currency from certain Investment Managers with quotas, as follows:

• Valid for first-time investment transactions at BCA (all channels).
• Must include the unique code "111" behind the nominal value of each purchase transaction. Example of purchase nominal: IDR 500,111
• There is a holding period where there is no redemption (sale) and switching out (transfer out) after the purchase transaction for the first transacted product and the provision of Mutual Fund participation units is carried out after the holding period, with the following details:

• This program can be combined with other Mutual Fund Transaction Fee Program
• Benefits will be given to investors in the form of Mutual Fund participation units according to the products transacted in this program.
• Prizes cannot be cashed and transferred.
• The gift tax received by customers is borne by BCA in accordance with applicable tax regulations.
• Mutual Fund transaction cut-off time follows applicable policies, specifically for transactions dated June 30, 2025, transactions until payment are made before 13.00 WIB.
• Customers who are eligible to receive Mutual Fund benefits must follow all the provisions stated above.

Free transactions for mutual funds using myBCA's Investment feature

Terms & Conditions:

• Promo Period: Until December 31, 2025
• The program is valid for Purchase / Periodic Purchase transactions through the Investasi feature in the myBCA Application.
• Regarding Stamp Duty of IDR 10 thousand on the Investment Product Transaction Confirmation Letter, it applies to consolidated transactions >IDR 10 million, in accordance with Government Regulation Number 3 of 2022.
• Specifically for Periodic Purchase transactions, the following provisions apply:
  • Purchase transactions that receive free benefits are only Purchase transactions processed during the program period.
  • Purchase transactions after the program period will be subject to the transaction fee in effect at that time.
• For products that have the following minimum transaction fee provisions, they still apply in accordance with the provisions of the product:
  • Manulife Saham Syariah Asia Pacific US Dollar
  • Batavia India Sharia Equity USD
• Transaction fees for Switching and Redeeming Mutual Funds through the Welma feature in the myBCA Application in accordance with the provisions in force in the application.
• Specifically for Mutual Fund purchases on December 31, 2025, transactions until payment are made before 13.00 WIB

Extension of the Fresh Fund Program Specifically for Membership Customers

Terms & Conditions:

• Cashback applies to a maximum multiple of IDR17.5 million/customer/program period calculated based on multiples of IDR100 million and cashback of USD 1,000/customer/program period calculated based on multiples of USD 30,000.
• The calculation of the cashback quota uses the following conversion table:

• Program period: January – June 2025.
• Valid for BCA membership customers.
• Investment fund sources must be Fresh Funds.
• Mutual Fund Purchase Transaction calculations are calculated using Net Subscription. For transaction validation, customers must include the unique code "024" in the last three digits of the customer's purchase transaction.
• Not valid for RSP and switching transactions.
• Valid for purchases through all transaction channels.
• Promos cannot be combined with other ongoing promos and can only be combined with the Free Transaction Mutual Fund Promo.
• Cashback is given in the form of Mutual Fund participation units with the Type and Name of Product according to BCA's policy.
• Prizes cannot be cashed and transferred.
• Tax on cashback received by customers is borne by BCA in accordance with applicable tax regulations.
• USD/IDR conversion will use the same 1 exchange rate in each program period. USD/IDR exchange rate conversion uses the EOM selling rate H-1 month of the program from the 32-day treasury forward rate indication.

Benefit: Special Interest Rate

*With deposit throughout the tenor.

General Provisions:

• Customers must prepare a certain amount of deposit to be locked during the tenor period to be able to get the Special 68th Anniversary Interest.
• The Special 68th Anniversary Interest applies to tenors of 1-3 years.
• Applicable to passenger new cars & participating dealers.

Benefits: Down Payment Special

Terms & Conditions:

• Down Payment Special for 20%
• For selected customers only
• Apply for new passenger non-EV cars (ADDM).
• interest rates follow the ongoing/available rates during the time of application 
• Following the applicable terms and conditions during the time of application.
• Apply through BCA branches.
• Application valid until December 31, 2025 and realization on January 31, 2026.