Black Card BCA is a premium credit card with exclusive features such as 0% installments, attractive rewards, insurance protection, and travel services that facilitate global transactions.
Getting to Know Black Card BCA
Black Card BCA is an exclusive credit card from Bank Central Asia (BCA) designed for customers with a dynamic lifestyle and high mobility. Available in two variants:
- BCA MasterCard Black
- BCA Visa Black Signature (BCA Visa Black)
Both provide unlimited transaction access domestically and abroad, as well as various benefits such as 0% installments, exclusive rewards, insurance protection, and special travel services.
BCA Black Card Advantages and Featured Features
As a premium credit card, Black Card BCA presents various features that provide comfort and convenience for its users. Here are some of the main benefits that can be enjoyed:
1. Transactions across the MasterCard and Visa Networks
BCA Credit Card Black can be used at all merchants and platforms that are part of the MasterCard and Visa networks, both domestically and abroad. This ensures payment flexibility for users without geographical limitations.
2. Free First Year Annual Fee & Autopay Feature
BCA Black Card holders get free annual fees for the first year. In addition, there is a BCA Autopay feature that allows automatic payment of routine bills through autodebit from a BCA account, so customers don’t need to worry about missing payments.
3. 0% Installments for Overseas Transactions
One of the interesting features of the BCA Black Card is the 0% installments specifically for overseas transactions. With a minimum transaction of IDR 3 million, customers can change purchases into installments with a choice of tenors:
- 3 months
- 6 months
- 12 months
This feature is very useful for those who often travel abroad or shop at global merchants.
4. BCA Rewards That Can Be Exchanged for Various Products
Every transaction with a BCA Black Card will get a BCA Reward, which can be exchanged for various exclusive goods or services. The more often you transact, the more rewards you can collect and use as needed.
5. Exclusive Insurance Protection
BCA Black Card holders automatically receive various insurance protections, including:
- Travel accident insurance – Guarantees protection from the risk of accidents during travel.
- Health protection insurance – Provides health benefits for cardholders.
- Daily room reimbursement – Covers hospitalization costs according to applicable provisions.
This facility provides extra security, especially for users who travel frequently.
6. Travel Service for Easy Travel
Frequent travelers can enjoy exclusive travel services, including:
- Special travel packages
- Flight and hotel reservations
- Passport and visa arrangements
- Telephone reservations
- Ticket delivery at competitive prices
This service provides extra convenience in organizing business or vacation trips. Terms and How to Apply for a BCA Black Card
1. BCA Black Card Application Requirements
In order to have a BCA Black Card, prospective cardholders must meet the following requirements:
- Citizenship: Indonesian or foreign citizen
- Minimum income: IDR 3 million per month
- Age of primary cardholder: 21–65 years
- Age of additional cardholder: Minimum 17 years
- No previous credit card required
2. Required Documents
Document requirements vary depending 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 documents, the application can be done in the following ways:
1. Application at a BCA Branch Office
- Visit the nearest BCA branch office.
- Submit the application form along with the required documents.
- Wait for the verification process from the bank.
2. Online Application
- Visit the official BCA website and fill out the credit card application form.
- Upload the required documents.
- Wait for confirmation from the bank regarding the next process.
3. Verification and Approval Process
- After application, BCA will verify creditworthiness.
- This process usually takes about 1 week to 1 month.
4. Card Delivery and Activation
- If approved, the credit card will be sent to the applicant’s address.
- Card activation can be done through BCA services before starting to use.
Conclusion
Black Card BCA is a premium credit card that offers easy global transactions, 0% installments for overseas transactions, exclusive rewards, insurance protection, and profitable travel services.
With easy requirements and a flexible application process—both in person and online, Mandiri Credit Card is an ideal choice for those who want ease and convenience in making transactions.
If you travel frequently or have an active lifestyle, Black Card BCA can be the right payment solution to meet your needs.
