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Fulfil every business needs practically
Flexible use and returns
Free of administration and provision fees
Competitive interest rate calculated daily
Rekening Smartcash
Rekening Smartcash
Cash funding account that can be used as payment source to distributor
Risk
For each transaction, the Account Holder or any person nominated by the Account Holder must sign a receipt for the goods and or a sales slip/slip for the transaction. The Account Holder's failure to sign the receipt for the goods and or the sales draft/slip for the transaction will not relieve the Account Holder of their obligation to pay the billing amount arising from the transaction.
BCA is not liable for:
If the Account Holder finds any transaction not made by the Account Holder in the BCA Smartcash Account Billing Statement, the Account Holder must immediately raise a question or objection via Halo BCA and subsequently submit a written statement of objection in respect of the transaction no later than 30 calendar days from the date of the BCA Smartcash Account Billing Statement, by providing the following information:
Mechanism for Smartcash Distributor Financing
Requirements
Documentary Requirements
*) Only for professionals
**) Mandatory for a loan with a credit limit of Rp100,000,000
Fee and Limit
Type of Fee | Fee Amount |
Annual Fee - Card limit of Rp10 million - Rp50 million - Card limit of Rp50 million - Rp100 million |
Rp 250.000 Rp 500.000 |
Cash Advance Fee | Free |
Overlimit Charge | Rp40.000/transaction |
Minimum Payment | 5% of the total billing amount or a minimum of Rp50,000 |
Late Payment Charge | 1% or a maximum of Rp100,000 |
Sales Draft Printing Charge | Rp30.000 |
Billing Statement Printing Charge | Rp10.000 |
Card Replacement Fee | Rp50.000 |
Purchase Transaction Interest Rate | 1.75% effective/month with a grace period of 15-45 days |
Cash Withdrawal interest rate | 1.75% effective/month without the grace period of 15-45 days |
Notes:
BCA reserves the right to change the above rates and fees by providing the customer with a notice in any form and by any means
Card Transaction Simulation
Assumption
Interest rate
1.8% per month or 0.06% per day
Minimum Payment
10% of the total billing amount
The data provided in the billing account as of 18/08/2015:
Transaction Date |
Description |
Amount (Rp) |
|
Previous Balance |
0 |
01/08/2015 |
TransactionI |
10.000.000 |
10/08/2015 |
Transaction II |
5.000.000 |
|
Interest *) |
133.151 |
18/08/2015 |
Current Balance |
15.133.151 |
|
Minimum Payment |
1.513.315 |
*) Interest Calculation
Type of Transaction |
Day Elapsed |
Interest Calculation |
Amount (Rp) |
Transaction I |
01/08/2015 - 18/08/2015 |
Rp 10.000.000 x 1,8% x 12 months x (18/365) day |
106.521 |
Transaction II |
10/08/2015 - 18/08/2015 |
Rp 5.000.000 x 1,8% x 12 months x (9/365) days |
26.630 |
Total Interest |
264.188 |
If the above billing amount is paid on 25/08/2015 in the amount of the Minimum Payment, the billing statement as of 18/09/2015 will show the following information:
Transaction Date |
Description |
Amount (Rp) |
|
Previous Balance |
15.133.151 |
25/08/2015 |
Payment |
1.513.315 |
|
Interest *) |
264.188 |
18/09/2015 |
Current Balance |
13.884.024 |
*) Interest Calculation:
Type of Transaction |
Day Elapsed |
Interest Calculation |
Amount (Rp) |
Interest accrued until 25/08/2015 |
19/08/2015 - 25/08/2015 |
Rp 15.133.151 x 1,8% x 12 months x (7/365) days |
62.689 |
Interest |
25/08/2015 - 18/09/2015 |
Rp (15.133.151 – 1.513.315) x 1,8% x 12 months x (25/365) days |
201.499 |
Total Interest |
264.188 |
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