Cara Bikin Kartu Kredit BNI

>Hello Sohib EditorOnline, are you interested in getting a credit card from BNI? In this article, we will guide you through the process of applying for a BNI credit card. With a BNI credit card, you can enjoy a wide range of benefits, such as cashback rewards, discounts, and promotions.

1. Types of BNI Credit Cards

BNI offers various types of credit cards, each with its own unique features and benefits. We have summarized the types of BNI credit cards below:

Choose a BNI credit card that best suits your needs and preferences.

2. Requirements to Apply for a BNI Credit Card

To apply for a BNI credit card, you need to fulfill the following requirements:

• Indonesian citizen or permanent resident aged 21 years or older
• Minimum monthly income of IDR 3 million
• Valid identification card (KTP)
• Copy of the latest salary slip or bank account statement

3. How to Apply for a BNI Credit Card

Follow these steps to apply for a BNI credit card:

1. Visit the nearest BNI branch or visit BNI’s website.
2. Fill in the credit card application form with your personal and financial information.
3. Attach the required documents, such as your KTP and salary slip.
4. Submit the application form and wait for the bank’s approval.

You will receive a notification from BNI regarding the status of your application within a few days.

4. How to Activate Your BNI Credit Card

Once your BNI credit card application is approved, you will receive your new credit card within 7-14 business days. Follow these steps to activate your card:

1. Call BNI’s customer service hotline at 1500046 or visit the nearest BNI ATM.
2. Enter your credit card number and follow the instructions to set your PIN code.
3. Your BNI credit card is now ready to use.

5. Frequently Asked Questions (FAQ)

Q: How long does it take to process a BNI credit card application?

A: It usually takes 7-14 business days to process a BNI credit card application. You will receive a notification from BNI regarding the status of your application within this period.

Q: What is the annual fee for a BNI credit card?

A: The annual fee for a BNI credit card varies depending on the type of card. The fees range from IDR 250,000 to IDR 1,000,000 per year.

Q: Can I apply for a BNI credit card if I have a bad credit score?

A: BNI will assess your credit history before approving your credit card application. If you have a bad credit score or outstanding debt, your application may be rejected. It’s important to maintain a good credit score to increase your chances of approval.

Q: How do I check my BNI credit card balance?

A: You can check your BNI credit card balance through BNI’s internet banking or mobile banking services. Alternatively, you can visit any BNI ATM to check your balance.

Q: Can I use my BNI credit card for overseas transactions?

A: Yes, you can use your BNI credit card for overseas transactions. However, you may be charged a foreign transaction fee and currency conversion fee. It’s advisable to inform BNI before traveling overseas to avoid any transaction issues.

Q: What should I do if my BNI credit card is lost or stolen?

A: If your BNI credit card is lost or stolen, immediately report it to BNI’s customer service hotline at 1500046. BNI will block your card to prevent unauthorized transactions and issue a new card for you.

Congratulations, Sohib EditorOnline! You have successfully learned how to apply for a BNI credit card. Remember to always use your credit card wisely and pay your bills on time to maintain a good credit score. Happy spending!

Cara Bikin Kartu Kredit BNI

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