Smile KP Personal - Special Offers

Valid until 31 Dec 2025

Special Offers

Terms and Conditions :

Investment

Get Mutual Fund Up to IDR500,000

Get Mutual Fund worth IDR100,000, for new BCA investors with a minimum investment of IDR500,111! Multiples apply, up to IDR500,000.

Terms & Condition:

Promotion Periode: January 2nd – June 30th 2025
Valid for new investors (who have never transacted in Mutual Funds or Bonds at BCA).
Valid for Mutual Funds in IDR currency from selected Investment Managers with quota, as follows:

Investment Managers	Quota
PT Ashmore Asset Management Indonesia	50
PT Bahana TCW Investment Management	500
PT Batavia Prosperindo Aset Manajemen	1.200
PT BNP Paribas Asset Management	50
PT BRI Manajemen Investasi	50
PT Eastspring Investments Indonesia	50
PT Manulife Aset Manajemen Indonesia	50
PT Panin Asset Management	50
PT Schroder Investment Management Indonesia	200

Valid for the first investment transaction at BCA (all channels).
It is mandatory to enter the unique code "111" after the nominal value of each purchase transaction. Example of purchase nominal: IDR1,500,111,- will get Mutual Fund worth IDR300,000,-.
There is a holding period during which there is no redemption (sale) and switching out (transfer out) after the first purchased product and estimated unit will be credited after the holding period, as following:

Transaction Month	Holding Period	Mutual Fund Unit Credit Estimates on
January of 2025	Until 30^th April 2025	3^rd Week of May 2025
February of 2025	Until 31^st May 2025	3^rd Week of June 2025
March of 2025	Until 30^th June 2025	3^rd Week of July 2025
April of 2025	Until 31^st July 2025	3^rd Week of August 2025
May of 2025	Until 31^st August 2025	3^rd Week of September 2025
June of 2025	Until 30^th September 2025	3^rd Week of October 2025

The program benefit in the form of Mutual Fund units will be given to the investor according to the product transacted for this program.
Taxes on Mutual Fund units received by customers are borne by BCA in accordance with applicable tax regulations.
Investors who participate in this program will receive the benefit of No Mutual Fund Transaction Fee Program.
Customers who are eligible to receive the mutual fund benefit must follow all the conditions stated above which are final.

Get IDR100,000 Mutual Funds with Investment Goals on myBCA

Terms & Condition:

Promotion Period: 19th February - 30th June 2025
Valid for transactions using Investment Goals at the Investment feature on myBCA application during the program period, with a minimum transaction of IDR2,500,000
Valid for the first 1,320 investors within the program period
The minimum purchase is valid within 1 transaction (multiplications do not apply)
Each customer is entitled to a maximum benefit of IDR100,000 during the program period, which will be given in the form of Mutual Fund units of the product purchased with the highest amount using Investment Goals during the program period or according to BCA policy
There is a holding period where there is no redemption after the purchase for all products transacted using Investment Goals to participate in the program with estimated unit will be credited after the holding period, as follows:

The gifted Mutual Funds will be added to the Mutual Funds Portfolio which can be checked on myBCA via the “My Account” menu (it will not be added to the Investment Goals Portfolio)
Customers who are eligible to receive the mutual fund benefit must follow all the conditions stated above which are final

Bancassurance

Benefit: 65% premium discount for BCA Life – MyGuard products
Terms & Conditions:
- Promo Code: OMGDEALOWN25
- Valid for the first premium, with a maximum discount of IDR 200,000 for each purchase.
- Valid for all MyGuard products and packages.
- Valid for purchases through all MyGuard product marketing platforms at BCA.
- Only 1 (one) promo code can be used for each purchase.
- The premium discount directly cuts the first premium.
- Valid until December 31, 2025.

Receive a reward of up to IDR 5 million when purchasing a new BCA Life policy (STAR & Heritage Protection)

Product	Premium Tiering (APE)	Cashback Reward
BCA Life Heritage Protection	≥ IDR 25 Million to < IDR 50 Million	IDR 350,000
	≥ IDR 50 Million to < IDR 100 Million	IDR 750,000
	≥ IDR 100 Million to < IDR 200 Million	IDR 1,500,00
	≥ IDR 200 Million to < IDR 300 Million	IDR 3,250,000
	≥ IDR 300 Million	IDR 5,000,000
Safety Guard Critical Cover (STAR)	≥ IDR 12 Million to < IDR 25 Million	IDR 250,000
	≥ IDR 25 Million to < IDR 50 Million	IDR 500,000
	≥ IDR 50 Million to < IDR 75 Million	IDR 1,000,000
	≥ IDR 75 Million to < IDR 100 Million	IDR 2,000,000
	≥ IDR 100 Million	IDR 3,000,000

Terms & Conditions:

This offer is valid only for new policy purchases.
Eligible policies must be paid on an annual or single premium basis.
For single premium payments, the Annualized Premium Equivalent (APE) will be calculated as 10% of the total single premium amount.
BCA Life will process the cashback reward to the customer's bank account approximately 60 calendar days after the policy becomes active (in-force), once the free-look period has passed.
BCA Life will be responsible for any taxes applicable to the cashback reward.

Insurance Premium Discount for purchasing BCA Insurance products

Terms & Conditions:

Applicable to all customers.
Applicable for certain agreed events (Expo, Wealth Summit, and other events).
The provision of premium 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 provision of premium 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.

Pocket Valas in myBCA
This feature is suitable for customers who like to travel and like to transact using foreign currencies.
The following are the benefits that can be obtained by using Valas Pocket in myBCA:
- Save various foreign currencies using one account
- Transfer/transfer funds to other BCA accounts in foreign currencies easily
- Withdraw cash and transact abroad without exchange rate conversion (1:1) by debiting the source of funds from Valas Pocket using a BCA Mastercard Debit Card

Promo period valid until 31 Dec 2025

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