9 Types of BCA Credit Cards, Limits, and Correct Application Procedures for Fast Approval

Kapanlagi.com - Credit cards are increasingly needed lately. Not without reason, the development of lifestyle, coupled with the many promotions offered, makes credit cards now more popular among many people. One of the credit cards that has quite a lot of enthusiasts is BCA credit card.

As is known, PT Bank Central Asia Tbk alias BCA is the largest private bank in Indonesia. For 60 years, BCA has offered a variety of best products and services for customers in Indonesia. With that experience, BCA not only has ATM and banking networks everywhere, but also has the best security system, convenience, and comfort in transactions.

No wonder, most people are interested in using BCA credit cards to fulfill all needs and lifestyles. Interestingly, BCA credit cards come in various types, which can be adjusted to needs and financial capabilities. Therefore, before starting to apply, know the types of BCA credit cards along with the offered limits below.

1. BCA Everyday Card

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This BCA credit card can be owned if you have a minimum income of Rp3 million per month. BCA Everyday Card has an annual fee of Rp125,000 for the first card.

Meanwhile, for additional cards, it costs Rp100,000. There are many advantages of BCA Everyday Card. Starting from BCA installment of 0.5% throughout the year, 5% cashback at non-subsidized gas stations, 5% cashback for shopping transactions at Hypermart, Transmart, Lotte Mart, and Giant.

What's even more interesting, this BCA credit card is also equipped with the flazz feature, so it can also be used to pay tolls, parking fees, and various public transportation, such as buses and commuter trains.

2. BCA Card Platinum

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If you have a minimum income of Rp10 million, you can apply for this BCA credit card. BCA Card Platinum users will be charged an annual fee of Rp250,000, and an annual fee of Rp175,000 for additional cards.

What's interesting is that you can get free annual fees and administrative fees if the usage limit exceeds 30% every month. In addition, BCA Card Platinum is equipped with an autodebit payment feature, so you don't have to worry about forgetting to pay credit card bills manually.

3. BCA Card Indomaret

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BCA also has a type of credit card for specific merchants, such as BCA Card Indomaret. This BCA credit card can be owned by those who have a minimum monthly income of Rp3 million.

The benefits offered by BCA Card Indomaret include free annual fees, if the usage is at least Rp500 thousand per month. In addition, you will also get a 5% discount for all Indomaret labeled products.

You can also get a direct shopping discount worth Rp25 thousand on weekends, and Rp15 thousand on weekdays with a minimum purchase of Rp150 thousand, using BCA Card Indomaret.

4. BCA Mastercard Platinum

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BCA Mastercard Platinum can be chosen if you already have a minimum monthly income of Rp3 million. This BCA credit card has the main advantage of a 1.25% installment interest rate with a maximum tenor of 9 months, and a 0.75% installment for a tenor of up to 36 months.

What's interesting is that BCA Mastercard Platinum users will get 1 reward point for every multiple of Rp1000 spent. Later on, the accumulated reward points can be exchanged for various attractive prizes.

5. BCA Mastercard Black

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The first requirement to apply for this BCA credit card is that the minimum monthly income must be Rp10 million. However, this card offers the advantage of no annual fee if BCA Mastercard Black usage exceeds 30% every month.

Not only that, BCA Mastercard Black also has the BCA Travel Service feature. With this feature, you can handle passports, travel documents, ticket reservations, and hotels without incurring surcharges.

6. BCA Mastercard Matahari

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Another variant of the BCA credit card with the Mastercard logo is BCA Mastercard Matahari. To have this credit card, you must have a minimum monthly income of Rp3 million.

Even so, BCA Mastercard Matahari users can get many benefits, especially when shopping at Matahari Department Store.

In addition to every transaction of at least Rp600,000 per month, you will receive a cashback of Rp60,000. BCA Mastercard Matahari also offers a 0% installment program with a minimum transaction of Rp1 million through BCA EDC machines.

7. BCA Visa Batman

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This BCA Visa credit card offers many advantages that can fulfill your lifestyle needs. BCA Visa Batman provides many attractive offers for watching movies in cinemas and dining in restaurants.

In addition, you can also get a buy 1 get 1 free movie ticket promo at certain cinemas every Saturday. What's interesting is that BCA Visa Batman provides a card limit of Rp14 million. Of course, to get this card, you must have a monthly income of Rp5 million.

8. BCA Visa Black

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Similar to BCA Mastercard Black, BCA Visa Black also offers outstanding features to support traveling activities. This is because BCA Visa Black has BCA Travel Service.

With this feature, you can easily manage passports, book flights, hotels, and other travel documents without worrying about surcharges.

In addition, BCA Visa Black credit card users can enjoy a waived annual fee if their card usage exceeds 30% of the limit for each month. To have this type of BCA credit card, you must have a minimum monthly income of Rp10 million.

9. BCA Visa Platinum

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If your income is more than Rp15 million per month, you can apply for BCA Visa Platinum credit card. This credit card is specifically designed to provide facilities and convenience when traveling for business.

In addition, the limit provided can also reach hundreds of millions, because BCA Visa Platinum is intended for financially stable individuals.

Those are some types of BCA credit cards that you must know, along with the limit and main requirements to apply. If eligible, sometimes you don't even need to apply yourself. Because, BCA telemarketing usually contacts directly to offer BCA credit cards. Which BCA credit card type is most suitable for your needs?

(kly/tmi)