Efektif 1 Mei 2020, sesuai dengan kebijakan Bank Indonesia, berlaku kebijakan kelonggaran bunga dan biaya kartu kredit sebagai berikut :
| Biaya | Keterangan | JCB Ultimate** | Mastercard World** | World Le Club AccorHotels** | Visa Infinite** | Preferred Visa Infinite | JCB Precious | Mastercard Platinum | Visa Platinum | Affinity Platinum (Indosat Ooredoo, ACA, AUSCI, Ganesha, JUKE) | Platinum Le Club AccorHotels | Mastercard Gold | Visa Gold | Affinity Gold (ACA, Ganesha) | Mastercard Classic | Visa Classic | Wave n Go | |
| Pembayaran Minimum* | 5% atau minimum | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | |
| Biaya Keterlambatan Pembayaran*: 1% dari Total Tagihan (termasuk transaksi yang dijadikan cicilan) | Minimum | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp75,000 | |
| Maksimum | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | ||
| Bunga per bulan % | Retail | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | |
| Tarik Tunai | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | ||
| *Berlaku 1 Mei 2020 sd 31 Des 2020 | ||||||||||||||||||
Untuk fasilitas otomatisasi pembayaran tagihan Kartu Kredit (OtoPay), dengan pilihan pembayaran minimum 10% akan disesuaikan menjadi 5% sesuai dengan ketentuan yang berlaku, s.d 31 Desember 2020.
| Biaya | JCB Ultimate** | Mastercard World** | World Le Club AccorHotels** | Visa Infinite** | Preferred Visa Infinite | JCB Precious | Mastercard Platinum | Visa Platinum | Affinity Platinum (Indosat Ooredoo, ACA, AUSCI, Ganesha, JUKE) | Platinum Le Club AccorHotels | Mastercard Gold | Visa Gold | Affinity Gold (ACA, Ganesha) | Mastercard Classic | Visa Classic | Wave n Go | ||
| Iuran Tahunan* | Kartu Utama | Rp3,000,000 | Rp3,000,000 | Rp3,000,000 | Rp1,500,000 | Gratis | Rp350,000 | Gratis | Rp350,000 | Gratis | Rp350,000 | Gratis | Rp250,000 | Gratis | Gratis | Rp125,000 | Gratis | |
| Kartu Tambahan | Rp1,500,000 | Rp1,500,000 | Rp1,500,000 | Rp750,000 | Gratis | Rp150,000 | Gratis | Rp150,000 | Rp 300.000*** | Rp150,000 | Gratis | Rp150,000 | Rp 150.000*** | Gratis | Rp75,000 | Gratis | ||
| Biaya Pembayaran Kartu Kredit melalui: | Counter CIMB Niaga | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | |
| ATM CIMB Niaga, OCTO Clicks, OCTO Mobile & SST | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | ||
| ATM Bersama & ATM Prima**** | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | Rp6,500 | ||
| BCA, Mandiri & BNI | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | Rp9,000 | ||
| Permata & Danamon | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | Rp7,500 | ||
| Biaya Penarikan Tunai***** | 6% atau minimum | Rp300,000 | Rp300,000 | Rp300,000 | Rp300,000 | Rp300,000 | Rp150,000 | Rp150,000 | Rp150,000 | Rp150,000 | Rp150,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | |
| Biaya Overlimit | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp250,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | ||
| Biaya Permintaan Salinan Sales Draft | per transaksi | Rp80,000 | Rp80,000 | Rp80,000 | Rp80,000 | Rp80,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp50,000 | Rp40,000 | Rp40,000 | Rp40,000 | Rp40,000 | Rp40,000 | Rp40,000 | |
| Kenaikan Limit Kartu Kredit | Permanen | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | |
| Temporer | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | Gratis | ||
| Biaya Pengiriman Billing Cetak | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp15,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | ||
| Biaya Penggantian Kartu****** | Rusak/Hilang | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | Gratis 1X/tahun | |
| Biaya untuk Penggantian Ke-2 dan seterus nya | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp50,000 | Rp50,000 | Rp75,000 | ||
| Biaya Upgrade / Perubahan Tipe Kartu Kredit (permintaan nasabah) | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp200,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp75,000 | Rp75,000 | Rp75,000 | Rp50,000 | Rp50,000 | Rp75,000 | ||
| Biaya Ringkasan Tagihan 1 Tahun | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | Rp100,000 | ||
| Biaya transfer pengembalian dana ke Bank Lain | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | Rp25,000 | ||
| Biaya SMS Notifikasi Transaksi******* | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | Rp5,000 | ||
| Biaya Pembatalan Cicilan / Pelunasan dipercepat (Pre-termination) | 7.5% dari sisa pokok cicilan atau minimum | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 | Rp380,000 |
*Free Iuran Tahunan selamanya untuk kartu kredit MasterCard Platinum, Gold dan Classic.
Khusus kartu kredit JCB Precious, Visa Platinum dan Platinum Le Club AccorHotels bebas Iuran Tahunan di tahun pertama, selanjutnya dikenakan biaya apabila transaksi ritel <Rp 24 juta/tahun, berlaku untuk kartu utama."
**Iuran Tahunan akan langsung dibebankan setelah Kartu Kredit Anda disetujui
***Free iuran tahunan cukup dengan melakukan minimal 2 transaksi per tahun
****Tidak berlaku untuk Kartu Kredit JCB
*****Fasilitas tidak tersedia untuk Wave n Go sticker
******Gratis biaya penggantian pertama kartu setiap tahunnya
*******Biaya SMS Notifikasi hanya akan dikenakan pada tagihan untuk transaksi pertama per bulan sebesar minimal Rp. 1,000,000,-, transaksi kedua dan seterusnya pada bulan yang sama tidak akan dikenakan.