• Valid from 1^st January – 27^th March 2026.
• The Rp 70,000 E-Voucher gift is valid exclusively for BNI Lotte Mart Gold and Platinum Credit Cards.
• Valid with a minimum transaction of Rp 1,000,000.
• Promo is available every Thursday and Friday.
• Quota is limited to the first 2,500 transactions during the promo period.
• Customers who do not yet have the LOTTE Mart Point app must register before proceeding with payment.
• To receive the e-voucher, present your shopping receipt at the Customer Information Service on the same day as the transaction. The e-voucher will be credited to your LOTTE Mart Point app no later than D+1 (one day after the transaction).
• The e-voucher can be used for your next transaction.
• Multiples do not apply; maximum reward is 1 (one) discount per customer, per day.
• Not valid for bulk purchases (traders), split transactions, or in combination with other promotions.
• participating in this promo, users are deemed to have read, understood, and agreed to the applicable terms and conditions.
• LOTTE Mart reserves the right to cancel promo benefits if there are indications of misuse, fraud, manipulation, or non-compliance with the program's terms and conditions.
• This promo is valid at all LOTTE Mart outlets :
  • Gandaria City, Jakarta.
  • Kuningan City, Jakarta.
  • Fatmawati, Jakarta.
  • Green Pramuka, Jakarta.
  • Kelapa Gading, Jakarta.
  • Taman Surya Kalideres, Jakarta.
  • Bintaro, Tangerang Selatan.
  • Festival Citylink, Bandung.
  • The Park Mall, Solo Baru.
  • Pakuwon Mall, Surabaya.
  • Centre Point Mall, Medan.
  • Panakkukang, Makassar.

• Program period : 5^th January – 30^th March 2026.
• 20% discount : maximum discount of Rp 55,000, applicable to BNI Lotte Mart Gold and Platinum Credit Cards.
• Valid specifically for Fresh Product purchases with a minimum transaction of Rp 150,000.
• Available on every Monday.
• Quota is limited to the first 100 transactions per week.
• Customers must register their BNI Credit Card at the LOTTE Mart Customer Information Service to claim this promo.
• Not applicable for bulk eggs, dairy, or frozen products.
• Multiples do not apply; maximum reward is 1 (one) discount per customer, per day.
• Not valid for bulk purchases (traders), split transactions, or in combination with other promotions.
• By participating, users are deemed to have read, understood, and agreed to the applicable Terms and Conditions.
• LOTTE Mart reserves the right to cancel benefits if there are indications of misuse, fraud, manipulation, or non-compliance with program terms.
• Participating locations: valid at all LOTTE Mart outlets :
  • Gandaria City, Jakarta.
  • Kuningan City, Jakarta.
  • Fatmawati, Jakarta.
  • Green Pramuka, Jakarta.
  • Kelapa Gading, Jakarta.
  • Taman Surya Kalideres, Jakarta.
  • Bintaro, Tangerang Selatan.
  • Festival Citylink, Bandung.
  • The Park Mall, Solo Baru.
  • Pakuwon Mall, Surabaya.
  • Centre Point Mall, Medan.
  • Panakkukang, Makassar.

• Program period : 2^nd January – 25^th December 2026.
• Valid exclusively for BNI LOTTE Mart Platinum Credit Cards.
• Valid every Friday.
• Stay and flight dates are valid for anytime.
• Valid for 1 (one) card per week (applicable to both Primary and Supplementary cards).
• Promotion can be combined with installments up to 12 months.
• This promotion cannot be combined with other promo codes.

• 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.

• First years annual fee waiver : valid starting from the date the card is approved without any conditions.
• 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.