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 ALL Accor Live Limitless/ Le Club AccorHotels** | Visa Infinite** | Preferred Visa Infinite | JCB Precious | Mastercard Platinum | Visa Travel Card / Visa Platinum* | Affinity Platinum (Indosat Ooredoo, ACA, AUSCI, Ganesha, JUKE) | Platinum ALL Accor Live Limitless/ 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 ALL Accor Live Limitless/ Le Club AccorHotels** | Visa Infinite** | Preferred Visa Infinite | JCB Precious* | Mastercard Platinum | Visa Travel Card / Visa Platinum* | Affinity Platinum (Indosat Ooredoo, ACA, AUSCI, Ganesha, JUKE) | Platinum ALL Accor Live Limitless/ 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 | Rp600,000 | Rp350,000 | Rp600,000 | Rp350,000 | Rp250,000 | Rp250,000 | Rp125,000 | Rp125,000 | Rp125,000 | Gratis | |
| Kartu Tambahan | Rp1,500,000 | Rp1,500,000 | Rp1,500,000 | Rp750,000 | Gratis | Rp150,000 | Rp300,000 | Rp150,000 | Rp 300.000*** | Rp150,000 | Rp150,000 | Rp150,000 | Rp 150.000*** | Rp75,000 | 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 | Sesuai ketentuan biaya transfer yg berlaku di masing-masing bank | |||||||||||||||||
| BCA & Mandiri | 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 | ||
| 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 | |
| Biaya Materai | Pembayaran Rp. 250,000 - Rp. 1,000,000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | Rp3.000 | |
| Pembayaran > Rp. 1,000,000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | Rp6.000 | ||
*Khusus kartu kredit JCB Precious, Visa Travel Card / Visa Platinum dan Platinum ALL Accor Live Limitless/ 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
*****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.