• Valid from January 1^st – June 30^th, 2026.
• Rp 100,000 off with a minimum transaction of Rp 1,500,000.
• No promo code required. The voucher will automatically appear in the "My Vouchers" page and can be applied during checkout via the Shopee app. If the voucher is not visible, it indicates the quota has been exhausted.
• Valid for the first 50 transactions during the program period using BNI Batik Air Mastercard World and Platinum Credit Cards.
• Promo is valid from 10:00 AM – 10:00 PM WIB on the Shopee mobile app (iOS/Android).
• Each customer is entitled to the promo once per card during the program period.
• Promo can be combined with 0% Installments for up to 24 months, with the following details :
  • 0% Installment (3, 6, and 12 months) : Minimum transaction of Rp 500,000.
  • 0% Installment (18 months): Minimum transaction of Rp 3,000,000.
  • 0% Installment (24 months): Minimum transaction of Rp 5,000,000.
  • Note : There is no quota limit for the 0% installment program.
• For more details, click https://shopee.co.id/bni

• Valid from January 01^st – December 31^st, 2026.
• 10X BNI Rewards Points (BRP): Earn Extra 10X BRP for transactions made at Lion Group (Website, Ticketing Office, and Mobile Apps), including existing features.
• Valid for a minimum accumulated transaction of Rp 2,000,000.
• Valid for ticket purchases for Lion Air, Wings Air, Batik Air, and Super Air Jet.
• Valid for BNI Batik Air Mastercard World and Platinum Credit Cards.
• This program is available to all eligible cardholders with no quota restrictions.

• Annual Fee Waiver for life : Valid starting from the date the card is approved :
  • Year 1 : Waived without any conditions.
  • Year 2 onwards : Waived if there was at least 1 (one) transaction made in the previous year (no minimum transaction amount required).
• Valid for applications submitted by 31^st December 2026.
• Not valid for "change logo" cards.

• First 2 Years Annual Fee Waiver : Valid starting from the date the card is approved :
  • Year 1 : Waived without any conditions.
  • Year 2 : Waived if there was at least 1 (one) transaction made in the previous year (no minimum transaction amount required).
• Valid for applications submitted by 31^st December 2026.
• Not valid for "change logo" cards .

All of your retail transactions can be converted into fixed monthly installments. You have the flexibility to choose an installment period that suits your needs, ranging from 3, 6, 9, 12, 18, 24, to 36 months with competitive low-interest rates.

BNI Rewards Points is a loyalty program from BNI where Cardholders earn 1 (one) reward point for every Rp 10,000 spent on their BNI Credit Card. Points are awarded for every multiple of this transaction value.

The BNI Rewards Point Redemption program offers exciting exchange opportunities for all active BNI Credit Cardholders.

Enjoy the BNI Credit Card Cash Fund facility—a fund transfer service for selected customers that allows you to utilize your available credit limit. Funds can be transferred directly to the cardholder's Bank account with flexible installment payments and low interest rates. This service is accessible via the BNI Credit Card Mobile App or by calling BNI Call at 1500046.

Transfer Amount : from a minimum of Rp 1,000,000 up to 50% of your remaining credit limit with admin fee of Rp 200,000 applies to each of the first and second transfers.

Enjoy the convenience of paying various monthly bills and topping up your mobile credit using your BNI Credit Card at any BNI ATM.

The BNI Credit Card Contactless feature, developed since 2019, is a technology that enables Cardholders to conduct transactions easily, quickly, and securely. Simply tap your Credit Card on any Contactless EDC machine—no PIN required—wherever you see the Contactless symbol. This streamlined payment process is designed for your convenience and is even faster than using cash.

Every month, the Cardholder receives a billing statement. To avoid a downgrade in credit collectability or the risk of bad debt, the Customer is required to make payments according to the billed amount—whether in full or the minimum partial payment—no later than the due date specified on the billing statement.

BNI Credit Cardholders must consistently maintain the security and confidentiality of their credit card data to prevent unauthorized use by irresponsible parties. Below are the guidelines to protect cardholders :

• Never hand over your physical BNI Credit Card to any party for any reason, including individuals claiming to be from BNI. BNI will never request your physical card for any purpose, such as credit limit increases or card activation.
• Protect your sensitive card information. Never share your credit card number, PIN, card expiry date, CVV/CVC (the 3 digits on the back), or OTP (One-Time Password) with anyone. BNI never requests this data through any medium, including phone calls, WhatsApp, SMS, or e-mail.
• Be alert if you receive calls from a Caller ID claiming to be BNI, such as (021) 1500046, (+21) 1500046, or (+1) 1500046.
• Keep your data updated. Ensure any changes to your personal information (mobile number, address, NIK/ID number, NPWP/Tax ID, etc.) are updated promptly via BNI Call 1500046.
• Report suspicious activity. If you encounter anything suspicious, take note of the details and immediately report it to the official BNI Call at 1500046.

In the event that your card is lost or stolen, the Cardholder is obligated to immediately contact the 24-Hour BNI Call service to prevent unauthorized use by third parties.

The Cardholder remains responsible for all transactions or charges incurred on the card until the loss is officially reported to BNI Call.

BNI reserves the right to decline a card replacement request if the Cardholder's account is currently in arrears (overdue payments).

An administrative fee will be charged to the Cardholder for every replacement card issued due to loss or theft.

The Cardholder's address and telephone numbers (home/office/mobile) used by BNI are those most recently recorded in BNI's system.

In the event of a change in address or telephone number, the Cardholder is obligated to notify BNI via the 24-Hour BNI Call at 1500046 or by visiting the nearest BNI Gallery.

Any losses or consequences arising from the Cardholder's negligence in notifying BNI of changes to personal data (including, but not limited to, delays in notification or failure to provide notification) shall be the sole burden and responsibility of the Cardholder.

The Cardholder has the right to close their BNI Credit Card at any time by submitting a request to BNI via the 24-Hour BNI Call at 1500046 (domestic) or +6221-30500046 (international), or in writing via letter, email, or at a BNI Branch Office.

If a Cardholder wishes to terminate their membership, they are obligated to settle all outstanding balances, including any incurred fees. Once settled, the Cardholder must notify BNI of the closure through the official channels mentioned above.

Upon approval of the closure request, the Cardholder is required to cut or destroy the physical BNI Credit Card to prevent any unauthorized use or unwanted incidents.

Bank reserves the right to cancel or refuse to renew a card at any time (without prior notice) if :

• The Cardholder violates the General Terms and Conditions of BNI Credit Cards.
• The Cardholder’s name appears on the Bank Indonesia (BI) or AKKI (Indonesian Credit Card Association) blacklist.
• The Cardholder is negligent or breaches any provision within the credit agreement between the Bank and the Cardholder.
• The Cardholder hereby releases BNI from all responsibilities, lawsuits, or claims from any party, including the Cardholder, regarding the Bank's decision to cancel the card.

Card termination process will be completed within 8 (eight) working days from the date the closure request is received, if the Cardholder has no outstanding balances or applicable fees due to BNI.