BNI Kartu Tunai

 

  • A Revolving Loan facility in the form of special card as a media for stand by loan for all of your needs.

  • Loan/cash can be withdraw at BNI ATM or BNI Branch Office*, while installment payment can be made immediately at any BNI ATM or Branch Office*.

 

Advantages:

  • Cash withdrawal can be made at any time and used in accordance with the available limit.

  • Affordable interest rate, no administration fee for the first year and no administration fee for the following year(s) if there were withdrawal transaction or usage in the previous year.

  • Facility for payment in fixed installments for 3, 6, 12, 24 or 36 months. The cash withdrawal transaction can be immediately converted into fixed installment payment via any BNI ATM from the Other Menu and then BNI Kartu Tunai Installment Menu, or via the Bank Teller at BNI Branch Office*. To convert a regular transaction into fixed installment, please contact 24-Hour BNI Call at 1500046.

  • Flexibility in payment amount option (minimum payment of 10% of monthly bill, or min. IDR 50.000, plus any fixed payment amount or minimum payment in arrears).

  • Convenient payment methods.

  • Convenient e-billing facility for monthly Billing Statement via personal e-mail.

 

* Certain branches only

 

Information on Interest and Fees

Description

Gold

Platinum

Administration Fee*

IDR 100.000

IDR 100.000

Cash Advance Interest

2,95% effective/month, equivalent to 35,4% effective/ year

2,75% effective/month, equivalent to 33% effective/year

Fixed Installment Interest

 

 

3 months Installment

1,35%/month

1,25%/month

-  6 months Installment

1,35%/month

1,25%/month

- 12 months Installment

1,25%/month

1,15%/month

- 24 months Installment

1,25%/month

1,15%/month

- 36 months Installment

1,25%/month

1,15%/month

Overlimit Fee**

5% from overlimit amount

(min. IDR 40.000 & max. IDR 100.000)

Cash Advance Fee via BNI ATM

Free

Cash Advance Fee via Teller at BNI Branch

IDR 25.000 when the disbursement of funds under IDR 5.000.000

Copy of Billing Statement

IDR 30.000 /bill (via mailing)

IDR  5.000/bill (via fax)

Free for e-billing participants (via e-mail)

Minimum Payment

10% of Monthly Bill, or minimum IDR 50.000, plus any fixed installment and/or minimum payment in arrears

Late Fee

5% of the minimum payment period of the previous until the date of printing reports next month's bill (minimum IDR 50.000 and a maximum of IDR 150.000)

Cancelation Fee of BNI Installment (including if there are arrears for two consecutive billing periods)

IDR 200.000

Insurance Premium (required) ***

0,60% of the Total Bill

Supplementary Card

There is no supplementary card facility

 

 

 

 

 

 

 

 

 

 

 










 

*

No administration fee for the first year and no administration fee for the following year(s) if there were withdrawal transaction or usage in the previous year.

**

Over limit due to interest, fees or penalties.

***

BNI Kartu Tunai Cardholder is required to participate in Perisai Plus Insurance program to protect the outstanding BNI Kartu Tunai bill in the event of cardholder’s death, temporary disability and permanent disability due to illness/accident and additional benefit of protection against 40 critical illness.

 

 

Calculation of BNI Kartu Tunai Revolving Loan

 

Illustration of Revolving Loan Scheme using BNI Kartu Tunai

 

 


 

 

 

The limit on your BNI Kartu Tunai account will be restored following any payment, in accordance with the amount of payment you made. You can then conduct a cash withdrawal transaction up to the available limit on your BNI Kartu Tunai.

   

Installment Simulation

 

BNI Kartu Tunai Gold

Loan Amount

Interest (Flat/month)

Tenor

Interest (Flat/month)

Tenor

3 months

6 months

12 months

24 months

36 months

10,000,000

1,35%

3,468,333

1,801,667

1,25%

958,333

541,667

402,778

20,000,000

6,936,667

3,603,333

1,916,667

1,083,333

805,556

30,000,000

10,405,000

5,405,000

2,875,000

1,625,000

1,208,333

 

BNI Kartu Tunai Platinum

Loan Amount

Interest (Fixed/month)

Tenor

Interest (Flat/month)

Tenor

3 months

6 months

12 months

24 months

36 months

10,000,000

1,25%

3,458,333

1,791,667

1,15%

948,333

531,667

392,778

20,000,000

6,916,667

3,583,333

1,896,667

1,063,333

785,556

30,000,000

10,375,000

5,375,000

2,845,000

1,595,000

1,178,333

40,000,000

13,833,333

7,166,667

3,793,333

2,126,667

1,571,111

50,000,000

17,291,667

8,958,333

4,741,667

2,658,333

1,963,889

60,000,000

20,750,000

10,750,000

5,690,000

3,190,000

2,356,667

70,000,000

24,208,333

12,541,667

6,638,333

3,721,667

2,749,444

80,000,000

27,666,667

14,333,333

7,586,667

4,253,333

3,142,222

90,000,000

31,125,000

16,125,000

8,535,000

4,785,000

3,535,000

100,000,000

34,583,333

17,916,667

9,483,333

5,316,667

3,927,778

 

 

Document Requirements

 

Required Documents

Employee/

Civil Servant /

Army / Police

Profe-ssionals

Entrepreneurs

Cardholders

Application Form

x

x

x

x

Photocopy of Personal ID/Passport

x

x

x

x

Proof of Income (Salary slip, SPT or other proof of income)

or copy of credit card or bank account statements for the last

3-month period

x

x

x

x

Business legal documents

(SIUP, TDP, SIUJK)

   

x

 

Professional Licence

 

x

   

The number of

credit card and

"member since" info

     

x

Taxpayer Identification Number (NPWP)

x

x

x

x