Permata Bank, one of Indonesia’s leading financial institutions, serves millions of customers with innovative banking solutions.
What you need to know about this credit card:
- Easy Application: Apply seamlessly via the Permata ME app or at a Permata Bank branch.
- Cashback Rewards: Earn up to 1.5% cashback on various purchases, with a maximum of IDR 500,000 per billing period.
- 0% Installments: Convert any transaction into a 6-month installment at a 0% interest rate.
- Annual Fee: IDR 225,000 (Classic), IDR 350,000 (Gold), IDR 750,000 (Platinum).
Pros
- Free Annual fee for supplementary cards: Get up to 5 supplementary cards with a lifetime waiver.
- Cashback up to IDR 6,000,000 per year: Save more on your grocery and retail shopping.
- Promotional offers: Get discounts and shopping vouchers at various supermarkets.
- Contactless payments: Just tap your card for faster transactions.
- Comprehensive mobile features: Manage bills, payments, and transactions through the Permata ME app.
Cons
- Minimum spending required for cashback: You need a minimum transaction of IDR 2,000,000 per billing cycle to maximize cashback benefits.
- Interest rate on transactions: 1.75% per month or 21% per year on carried balances.
Why choose permata bank for your credit card?
Applying for a Permata Cashback Card provides numerous benefits compared to cards from other banks like Bank Mandiri, BCA, CIMB Niaga, HSBC, and Bank Mega.
Unlike Bank Mandiri’s credit cards, the Permata Cashback Card offers 0% installment for any purchase, making it a better choice for flexible spending.
Unlike BCA, which requires a high credit score, the Permata Cashback Card is accessible with lower eligibility requirements.
The cashback structure is more rewarding than CIMB Niaga’s standard cashback cards, giving you a higher return on your spending.
HSBC’s cashback cards often come with annual fees on supplementary cards, whereas Permata waives them for up to five additional users.
Bank Mega’s reward system is point-based, requiring more effort to redeem benefits, whereas Permata’s cashback is instant and applicable to daily shopping.
Card name: Let’s Get to Know It a Little Better
How to apply for your permata cashback card
Click below to start your application and enjoy all these benefits today.