If you’re looking for a credit card with unique advantages, the OCBC NISP Titanium is the ideal solution, offering interest-free installments, exclusive cashback, and benefits for shopping in Indonesia and abroad.
What you need to know about this credit card:
- 0% Installment: Split your purchases into 3 months with no interest, with no minimum transaction required.
- Long-term installment with low rates: Choose between 6 to 36 months with an ultra-low 0.5% interest per month.
- Minimum income required: You need a minimum annual income of IDR 60 million to apply.
- Flexible payments: The minimum payment is 5% of the total bill or IDR 50,000, whichever is higher.
Pros
- Interest-free installment plans: Any purchase can be split into 3 months with no interest, making budgeting easier.
- International acceptance: Use your card at over 29 million Mastercard merchants worldwide.
- Emergency cash withdrawal: Access funds from over 1 million ATMs worldwide, with a limit of up to 70% of your credit limit.
- Contactless technology: Pay with a simple tap, without inserting your card into the machine.
- Up to 75% cashback: Earn up to IDR 225,000 cashback in the first three months by accumulating transactions.
Cons
- Annual fee: From the second year onwards, an annual fee of IDR 300,000 applies to the primary card.
- Cash withdrawal fee: Emergency cash withdrawals incur a 6% fee on the withdrawn amount or IDR 100,000, whichever is higher.
Why choose OCBC NISP over other banks?
The OCBC NISP Titanium stands out due to its 0% installment plan, unlike Bank Mandiri, which applies interest even on split payments.
Meanwhile, BCA requires a higher credit score, making OCBC NISP Titanium more accessible for many applicants.
BRI Platinum offers global benefits but lacks the convenient contactless technology provided by the OCBC NISP Titanium.
At BNI, cashback is restricted to specific partner stores, while OCBC NISP Titanium provides cashback for a wide range of purchases.
Finally, CIMB Niaga has higher fees for emergency cash withdrawals, whereas OCBC NISP Titanium provides this feature at a more affordable rate.
OCBC NISP Titanium: Let’s get to know it a little better!
How to apply for your OCBC NISP Titanium
Applying for the OCBC NISP Titanium is quick and easy! Click below to explore all the details and get started today.