Bank OCBC NISP, recognized as the “Best SME Bank in Indonesia” for six consecutive years, offers the prestigious OCBC NISP Platinum Credit Card designed to elevate your financial experience.
Key Details You Should Know:
- Annual Fee: IDR 500,000 per year.
- Interest Rate: 2.25% per month on outstanding balances.
- Minimum Income Requirement: IDR 5 million monthly.
- Credit Limit: Starting from IDR 10 million, subject to approval.
Pros:
- Global Acceptance: Shop at over 29 million merchants worldwide with ease.
- Reward Points: Earn 1 Poinseru for every IDR 10,000 spent, redeemable for various rewards.
- Flexible Installments: Convert purchases into installments ranging from 3 to 36 months with competitive interest rates.
- Contactless Payments: Enjoy quick and secure transactions with the card’s contactless feature.
- Comprehensive Bill Payment: Easily pay monthly bills such as Telkom, PLN, PAM, and TV subscriptions.
Cons:
- Annual Fee Waiver: Annual fee waiver requires a minimum spend of IDR 40 million in the previous year or maintaining a minimum balance of IDR 25 million in a Nyala account.
- Cash Advance Fee: A fee of 6% or IDR 100,000 (whichever is higher) applies to cash advances.
Why Choose Bank OCBC NISP for Your Credit Card?
The OCBC NISP Platinum Credit Card competes with several top-tier credit cards in Indonesia. It offers a solid rewards program, installment flexibility, and global acceptance, making it a great all-around choice.
Compared to the BCA Visa Platinum, OCBC NISP Platinum provides stronger bill payment options and an extensive rewards program. However, BCA’s card might be preferable for those seeking lower annual fees.
If you prioritize cashback over rewards, the BPI Edge Mastercard is a better option. It offers higher cashback on purchases and lower foreign transaction fees, making it ideal for international spending.
For installment plans, the Mandiri Platinum Card provides lower interest rates and more flexible repayment terms, making it a better fit for those looking to spread out payments over time.
Overall, the OCBC NISP Platinum remains a strong contender for those who value a balanced mix of rewards, flexible payments, and global acceptance. It’s an excellent choice for everyday spending and international transactions.
OCBC NISP Platinum Credit Card: Get to Know It Better
How to Apply for the OCBC NISP Platinum Credit Card
Ready to elevate your financial journey? Applying is simple and convenient.
Click the link below to start your application process and unlock a world of exclusive benefits with the OCBC NISP Platinum Credit Card.