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Kartu Kredit BTN

Kartu Kredit BTN Fulfill Your Family's Home Needs Easily

Transaction solutions for various necessities with many conveniences and attractive offers

Kartu Kredit BTN

Cobranding credit card issued by PT Bank Rakyat Indonesia (Persero) Tbk in collaboration with PT Bank Tabungan Negara (Persero) Tbk as Cobranding Partner

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Easy Application

Easy access to card application through the Kartu Kredit BTN application

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Installment Facility

Enjoy light installment facilities and installment transactions through merchants

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Flexible Cash Withdrawal

Cash withdrawals can be made at BRI ATMs and Link Merah Putih ATMs

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Free Fees

Free annual fee for the first 2 years

transaksi

Easy Application

Easy access to card application through the Kartu Kredit BTN application

icon-poin-spekta

Installment Facility

Enjoy light installment facilities and installment transactions through merchants

echannel

Flexible Cash Withdrawal

Cash withdrawals can be made at BRI ATMs and Link Merah Putih ATMs

open account

Free Fees

Free annual fee for the first 2 years

Fee and Facility Information

Information Kartu Kredit BTN Reguler Kartu Kredit BTN Platinum
Limit IDR3,000,000 to IDR 24,999,9999 IDR 15,000,000 to IDR 999,999,999
Max. Cash Advance Limit 60% of Total Limit 60% of Total Limit
Max. Daily Cash Advance Limit IDR 10,000,000 per day IDR 10,000,000 per day
Max. Overlimit 5% 5%
Airport Lounge Facilities - 1 Pax with redeem 1000 BRI Point
Overlimit Fee IDR 75,000 IDR 150,000
Separate Credit Limit Yes, separate limit if you already have BTN Cobranding Credit Card Yes, separate limit if you already have BTN Cobranding Credit Card
Maturity Period 17 days after the billing statement date 17 days after the billing statement date
Payment Method Channel & Mobile Banking BRI and Transfer Menu Channel & BTN Mobile Channel & Mobile Banking BRI and Transfer Menu Channel & BTN Mobile
Load On Phone (Light Loan) Interest starts from 0.99%, Tenor up to 36 months. Info: https://kartukredit.bri.co.id/service/dana-tunai-kartu-kredit-bri-loan-on-phone T&Cs according to BRI policy Interest starts from 0.99%, Tenor up to 36 months. Info: https://kartukredit.bri.co.id/service/dana-tunai-kartu-kredit-bri-loan-on-phone T&Cs according to BRI policy
Installment Facility
  • 0% installment up to 24 months at partner offline merchants
  • Installment Conversion feature up to 12 months through BRI Credit Card Mobile application
  • API-Based Installment Conversion Feature (Phase 2 IT Dev)
  • Installment Program in accordance with the T&C of the program that runs during the period
  • 0% installment up to 24 months at partner offline merchants
  • Installment Conversion feature up to 12 months through BRI Credit Card Mobile application
  • API-Based Installment Conversion Feature (Phase 2 IT Dev)
  • Installment Program in accordance with the T&C of the program that runs during the period
Bill Payment Facility BRI AutoPay: PLN, Telkom, Indi Home, Telkomsel Postpaid (Halo Card), Indosat Postpaid (Matrix) BRI AutoPay: PLN, Telkom, Indi Home, Telkomsel Postpaid (Halo Card), Indosat Postpaid (Matrix)
Reward Point
  • 1 BRI Point = IDR 10
  • Min. BRI Points Acquisition Transaction IDR 100,000
  • 1x BRI Points at other Retail Merchants
  • 1 BRI Point = IDR 10
  • Min. BRI Points Acquisition Transaction IDR 100,000
  • 2x BRI Points at Travel, Airline, and Hotel Merchants
  • 1x BRI Points at other Retail Merchants
Retail Interest 1.75% per month according to Bank Indonesia's Covid-19 relaxation policy. Interest will return to 2.25% after the Covid-19 relaxation policy ends 1.75% per month as per Bank Indonesia's Covid-19 relaxation policy. Interest will return to 2.25% after the end of the Covid-19 relaxation policy
Cash Advance Interest 1.75% per month according to Bank Indonesia's Covid-19 relaxation policy. Interest will return to 2.25% after the Covid-19 relaxation policy ends 1.75% per month according to Bank Indonesia's Covid-19 relaxation policy. Interest will return to 2.25% after the end of the Covid-19 relaxation policy
Minimum Payment 5% of the bill according to Bank Indonesia's Covid-19 relaxation policy. Minimum payment will return to 10% of the bill after the Covid-19 relaxation policy ends. For installment transactions, the minimum payment is according to the installment bill per month 5% of the bill according to Bank Indonesia's Covid-19 relaxation policy. Minimum payment will return to 10% of the bill after the Covid-19 relaxation policy ends. For installment transactions, the minimum payment is based on the installment bill per month
Late Charger Fee 1% of the bill or max. IDR 100,000 according to Bank Indonesia's Covid-19 relaxation policy. Late fees will return to 3% of the bill or max. Rp150,000,- after the Covid-19 relaxation policy ends 1% of the bill or max. IDR 100,000 according to Bank Indonesia's Covid-19 relaxation policy. Late fees will return to 3% of the bill or max. IDR 150,000 after the end of Covid-19 relaxation policy
Annual Fee First 2 Years Free Main card: IDR 300,000 Additional card: IDR 150,000 First 2 Years Free Main card: IDR 500,000 Additional card: IDR 250,000
Limit Increase Fee IDR 50,000 IDR 100,000
SMS Notification Fee IDR 5,000 per month (if there is a transaction & sending SMS notification) IDR 5,000 per month (if there is a transaction & sending SMS notification)
Card Replacement Fee IDR 50,000 IDR 75,000
Paper Bill Fee IDR 15,000 per month (if the billing code setting is hardcopy) IDR 15,000 per month (if the billing code setting is hardcopy)
Billing Statement Reprint Fee IDR 10,000 IDR 10,000
Local Sales Draft Copy Fee IDR 25,000 IDR 25,000
International Sales Draft Copy Fee IDR 150,000 IDR 150,000
PIN Mailer Shipping Cost IDR 25,000 IDR 25,000
Annual Transaction Summary Fee IDR 100,000 IDR 100,000
Autopayment Fee IDR 2,500 IDR 2,500
Stamp Duty IDR 10,000 for bills > IDR 5,000,000 IDR 10,000 for bills > IDR 5,000,000
Credit Balance Refund Minimum refund IDR 500,000 BRI/BTN account transfer: IDR 50,000 Other Bank account transfer: IDR 100,000 Minimum refund IDR 500,000 BRI/BTN account transfer: IDR 50,000 Other Bank account transfer: IDR 100,000
ATM Cash Withdrawal Fee 4% of the transaction amount or a minimum IDR 60,000 4% of the transaction amount or a minimum IDR 60,000
E-statement Fee IDR 5,000 per e-statement sent IDR 5,000 per e-statement sent

Terms & Conditions

  • At least 21 years old or married (Main Card)

  • At least 17 years old or married (Additional Card)

  • Have a job of private employee/BUMN/Civil Servants/Military/Police/entrepreneur/professional

  • Photocopy of KTP/Passport/KITAS/KITAP (Foreign Citizens)

  • Last month's salary slip/Salary Certificate/SPT for the last 1 year

  • Photocopy of NPWP

Registration Flow

  • 1

    Registration

  • 2

    Fill Form

  • 3

    Email Confirmation

  • 4

    Login

  • 5

    Enjoy Service

6 / 5

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Credit Card Activation and PIN Request

BTN Credit Card Mobile

  • 1

    Login to the App

    Customers enter the Home menu and tap the Card Activation button on the BTN Credit Card Mobile app

  • 2

    Enter Data

    Complete the required data such as Kartu Kredit BTN number, card validity period, date of birth, and password

  • 3

    Card Activation

    Tap the Activation button and wait for the credit card to be activated

  • 4

    Activation Successful

    The credit card is active and ready to use

Via SMS to 3300

  • 1

    Type an SMS to 3300

    Type KKBRI(space)AKT(space) the first 6 digits credit card number#4 last digits credit card number#date of birth ddmmyyyy

    Example: KKBRI AKT 518828#1234#17081945

Via SMS to 3300

  • 1

    Send an SMS to 3300

    Type PIN(space)KK(space)first 6 digits of credit card number#4 last digits of credit card number# date of birth ddmmyyyy

    Example: PIN KK 518828#1234#17081945

Find Answers to Your Questions

Do all transactions with Kartu Kredit BTN earn point rewards?
Yes, transactions with Kartu Kredit BTN earn point rewards. Kartu Kredit BTN point rewards are given for every Rp100,000 (one hundred thousand rupiah) transaction and its multiples for transactions using Kartu Kredit BTN.

How do I find the remaining limit of the current month's billing from Kartu Kredit BTN on BTN Credit Card Mobile?
How to find out the remaining billing limit is as follows:
- Login to the BTN Credit Card mobile application using the registered user and password
- Then, the remaining limit for the current month is available on the main page of the application

How do I get my Kartu Kredit BTN PIN?
You can obtain your Kartu Kredit BTN PIN as follows:
- Send an SMS to 3300 from the registered cellphone number in the format below:
PIN(space)KK(space)first 6 digits of credit card number#4 last digits of credit card number# date of birth ddmmyyyy
Example:
PIN KK 518828#1234#17081945

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