Complete guide to BCA Black Card: discover the benefits, exclusive features, benefits of 0% installments, rewards, insurance, travel services, and easy ways to apply.
What is BCA Black Card?
BCA Black Card is one of the premium credit cards from Bank Central Asia (BCA) which is intended for customers with high mobility and exclusive transaction needs. BCA offers two types of Black Cards, namely:
- BCA MasterCard Black
- BCA Visa Black Signature (often referred to as BCA Visa Black)
Both of these cards are designed to provide easy transactions, both domestically and abroad, with various superior facilities such as 0% installments, exclusive rewards, travel services, and insurance protection.
Advantages and Features of BCA Black Card
As a premium credit card, BCA Black Card comes with various exclusive features that provide convenience and more benefits for its users. Here are some of the main features offered:
1. Can be used across all MasterCard and Visa networks
Both BCA Credit Card, including BCA MasterCard Black and BCA Visa Black Signature, can be used across all MasterCard and Visa payment networks worldwide.
This ensures ease of transactions at various merchants, both online and offline, without regional restrictions.
2. Free Annual Fee in the First Year & Autopay Service
As an additional benefit for cardholders, the BCA Black Card offers free annual fees for the first year. After that, an annual fee will be charged according to applicable provisions.
In addition, customers can take advantage of the BCA Autopay feature, which is an automatic payment system that allows routine bills to be paid by auto-debit from a BCA account.
3. 0% Installments for Overseas Transactions
One of the superior features of the BCA Black Card is the 0% fixed installment program specifically for overseas transactions. With a minimum transaction of IDR 3 million, customers can change their purchases into installments with a choice of tenors:
- 3 months
- 6 months
- 12 months
This feature is very beneficial for those who often travel abroad or shop at international merchants.
4. BCA Rewards That Can Be Exchanged for Various Products
Every transaction using the BCA Black Card will get a BCA Reward, which can be exchanged for various goods or certain services. The more frequent the transaction, the greater the amount of rewards collected.
This benefit provides added value for users who actively shop, both online and offline.
5. Exclusive Insurance Protection
BCA Black Card holders also get automatic insurance protection, including:
- Travel accident insurance: Provides protection against the risk of accidents during travel.
- Health protection insurance: Protects cardholders from certain health risks.
- Reimbursement of daily hospitalization costs: Covers hospitalization costs under certain conditions.
This insurance facility provides a greater sense of security for users who travel frequently or have additional protection needs.
6. Travel Service for Travel Convenience
For customers who travel frequently, the BCA Black Card provides exclusive travel services that include:
- Special travel packages
- Flight and hotel reservations
- Passport and visa processing
- Telephone booking services
- Ticket delivery at competitive prices
This service ensures that cardholders can enjoy a more comfortable trip with professional assistance from BCA.
BCA Black Card Application Requirements and Methods
To apply for a BCA Black Card, customers must meet certain requirements and prepare the required documents. Here are the steps to apply for this credit card:
1. BCA Black Card Application Requirements
Here are some of the requirements that must be met by prospective cardholders:
- Citizenship: Indonesian Citizen (WNI) or Foreign Citizen (WNA).
- Minimum income: IDR 3 million per month.
- Age of the primary cardholder: Minimum 21 years and maximum 65 years.
- Age of additional cardholder: Minimum 17 years.
- No previous credit card requirement (can apply directly even if you have never had a credit card).
2. Required Documents
The required documents depend on the applicant’s employment status:
Employee
- Photocopy of identity (KTP/Passport)
- Latest pay slip
- NPWP
Entrepreneur
- Photocopy of identity (KTP/Passport)
- Photocopy of savings account for the last 3 months
- NPWP
- Photocopy of business establishment deed or SIUP
- Professional (Doctor, Lawyer, etc.)
Photocopy of identity (KTP/Passport)
- Pay slip or proof of income
- Photocopy of professional license
- NPWP
3. How to Apply for a BCA Black Card
After meeting the requirements and preparing the required documents, customers can apply with the following steps:
1. Come to the BCA Branch Office
- Visit the nearest BCA branch office and apply for a credit card.
- Make sure to bring all the required documents to speed up the verification process.
2. Online Application
- BCA also provides online credit card applications through its official website.
- Fill out the application form and upload the required documents.
3. Verification & Approval Process
- After submission, BCA will verify the data and analyze creditworthiness.
- This process usually takes more than a week to a month.
4. Credit Card Delivery
- If approved, the credit card will be sent to the applicant’s address.
- After receiving the card, customers can immediately activate it and start using it.
Conclusion
Black Card BCA is a premium credit card option that offers various exclusive benefits for customers with high mobility.
With 0% installment features, exclusive rewards, protection insurance, and travel services, this card is perfect for those who travel frequently or have an active lifestyle.
For those who qualify, the application process is quite easy, either through a BCA branch office or online. With the benefits offered, the BCA Black Card can be the best payment solution for those of you who want flexibility and convenience in transactions.
Similarly, Mandiri Credit Card provides a range of features that enhance payment flexibility and offer exclusive benefits for its users.
