Spesial Untuk Profesional - Special for Junior Professionals Practical Solutions for Financial Needs

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 IDR 100,000 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.

Investment

1. Cashback of up to IDR500,000 for Mutual Funds

   Min. Transaction	Program Benefit
   IDR2 Million	Mutual Fund Units (worth IDR100,000 per multiple, up to a maximum of IDR500,000

   Program Criteria:
   • Program period: July 1 – December 31, 2025.
   • Applicable exclusively to new investors of BCA investment products during the program period.
   • Valid for transactions across all channels.
   • Applicable for the first-time investment transaction processed through BCA.
   • Applies to all IDR-denominated Mutual Fund products managed by the following Investment Managers, with the following quota details:

     No.	Investment Manager	Quota*
     1	Ashmore Asset Management Indonesia	15
     2	Bahana TCW Investment Management	950
     3	Batavia Prosperindo Aset Manajemen	2,570
     4	BNP Paribas Asset Management	15
     5	BRI Manajemen Investasi	30
     6	Eastspring Investment Indonesia	15
     7	Manulife Aset Manajemen Indonesia	100
     8	Panin Asset Management	15
     9	Schroder Investment Management Indonesia	75
     Total		3,785

     *Note: Quota updates can be accessed on the BCA website (bca.co.id) or via the myBCA portal at Wealth Management > Products > Investment > Marketing Program > 2025 > NTI > NTI 2025 Quota Tracking

   • Mutual Fund units will be awarded based on the first product transacted under the NTI program.
   • To validate participation in this program, customers must include the unique code “111” at the end of the nominal value for each purchase transaction. Example: IDR 2,000,111.
   • A holding period applies, during which no redemption or switching out is allowed after the purchase transaction. Mutual Fund units will be awarded after the holding period ends, with the following details:

     Transaction Month	Holding Period Deadline	Estimated Unit Distribution Date
     July 2025	October 31, 2025	3rd Week of November 2025
     August 2025	November 30, 2025	3rd Week of December 2025
     September 2025	December 31, 2025	3rd Week of January 2026
     October 2025	January 31, 2026	3rd Week of February 2026
     November 2025	February 28, 2026	3rd Week of March 2026
     December 2025	March 31, 2026	3rd Week of April 2026

   • This program can be combined with “No Fees for Mutual Funds Transactions on myBCA”
   • Rewards are non-cashable and non-transferable.
   • Mutual Fund transaction cut-off times follow applicable policies.
   • Taxes on rewards received by customers will be borne by BCA in accordance with prevailing tax regulations.
   • Decisions, terms, and changes made by BCA regarding the awarding of rewards are final and cannot be contested.

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.