1. Free annual fee for the first 2 years (only for primary/basic cards)
   Terms and Conditions:
   • Valid for new Primary Card applications.
   • Valid for all types & kinds of BCA credit cards, except BCA AMEX Platinum, BCA Mastercard World, and BCA Singapore Airlines.
   • Using source code:
     • CPNSML: for applications via branch
     • SML: for online applications
   • Valid until December 31, 2025 with a maximum approval limit until January 31, 2026
2. Free Annual Fee Kartu Kredit untuk Membership
   Free primary card annual fee for:
   
   • BCA Solitaire: All BCA credit cards.
   • BCA Prioritas: All BCA credit cards, except BCA Singapore Airlines (free for the first year) and BCA World Mastercard, BCA AMEX Platinum
   Terms & Conditions:
   • Follows the applicable BCA Solitaire and Prioritas Credit Card application process.

Benefit: Special Administration Fee for Membership Customers

Terms & Conditions:

• Specifically for passenger cars.
• Valid for all tenors / clusters by following the applicable customer pricing per cluster provisions.
• The interest rate follows the interest rate applicable at the time of application.
• The benefit program above cannot be combined with other administration fee benefits, unless stated otherwise in the program.
• Follows the general terms & conditions of BCA KKB (Motor Vehicle Loan) applicable at the time of application.
• Applications can be made through a BCA branch or online on the BCA website (without entering a code) following the applicable BCA Solitaire and Prioritas KKB (Motor Vehicle Loan) application process.
• The gathering administration fee is specifically for new passenger cars and is not valid for Mini for Max.

Benefit: Cashback up to IDR500,000 for Mutual Fund transactions

Program Criteria

1. Program period: July 1 - December 31, 2025
2. Valid specifically for new investors in BCA investment products during the program period.
3. Valid for transactions on all channels.
4. Valid for the first investment transaction created in BCA.
5. Valid for all IDR Mutual Fund products from Investment Managers with quota details as follows:

*Note: Quota updates can be accessed on the bca.co.id website and the myBCA portal Wealth Management > Product > Investment > Marketing Program > 2025 > NTI > Tracking NTI 2025 Quota

6. Mutual Fund participation units will be given according to the first product transacted for the NTI program.
7. For program validation, you must include the unique code “111” after the nominal amount of each purchase transaction. Example of purchase nominal: Rp2.000.111,-
8. There is a holding period during which there is no redemption and switching 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 details as follows:

9. The program can be combined with the Free Mutual Fund Transaction Fee Program.
10. The prize cannot be cashed out or transferred.
11. Mutual Fund transaction cut-off time follows the applicable policy.
12. Taxes on prizes received by customers are borne by BCA in accordance with applicable tax regulations.
13. Decisions, provisions, and changes made by BCA in determining the provision of prizes are absolute and cannot be contested.

Detailed information regarding rewards for purchasing BCA Life products & Fire & Travel Insurance Premium Discounts from BCA Insurance

a. Reward for purchasing new BCA Life product policies (STAR & Heritage Protection) up to IDR 5 million

Term & Conditions

• Applies to new policy purchases.
• Applies to policies with annual/single payments.
• For single payments, the APE calculation is 10% of the single premium.
• Cashback rewards will be processed by BCA Life into the customer's account after the policy has passed the freelook period, estimated at 60 calendar days from policy inforce.
• Taxes arising from the provision of rewards are borne by BCA Life.

b. Travel Insurance Premium Discount from BCAinsurance

Term & Conditions

• Premium discounts do not require an application form.
• Premium discounts apply to new policy purchases in 2025 or renewals of existing policies purchased in 2024.
• Premium discounts are awarded by directly deducting from the premium paid by the customer.
• This program applies to new policies and cannot be combined with other program benefits.