• Ensure that your BCA Visa Corporate Card is always under your control by checking its existence regularly. When the card is expired, immediately cut it in half through the chip and magnetic stripe
• Make sure you get your BCA Visa Corporate Card back right after each transaction. Check the name on the card and never lend your BCA Visa Corporate Card to others because you are fully responsible for the use of your BCA Visa Corporate Card
• Immediately sign your BCA Visa Corporate Card. Be careful with your card information and don’t give your BCA Visa Corporate Card information to strangers, especially over the phone
• Don’t reveal your PIN (Personal Identification Number) to anyone or record or write the PIN in documents or media that are easily known or seen by others.
• If your BCA Visa Corporate Card cannot be used, take the card to the nearest BCA branch office, cut it up through the chip and magnetic stripe. BCA never authorizes anyone to take your BCA Visa Corporate Card from you

If you find a transaction you did not make in the billing statement, immediately raise a question or objection in writing via halobca@bca.co.id no later than 30 (thirty) calendar days from the billing statement date.

Keep your BCA Visa Corporate Card number and Halo BCA phone number handy for the convenience of reporting in case your BCA Visa Corporate Card is lost or stolen

If your BCA Visa Corporate Card is lost or stolen, immediately report the loss/theft to Halo BCA 1500888. You are fully responsible for all transactions that occur before BCA receives the loss/theft report

Legal Documents

• Company Profile
• Deed of establishment and its amendments
• Decision Letter on the Approval and Validation of the Deed of Establishment and Decision Letter on the Approval/Acknowledgement of Receipt of Notice of Amendment of Articles of Association from the Minister of Law and Human Rights /other Competent Authorities
• Business License
• Company Registration Certificate (TDP) / Business Identification Number (NIB)
• Tax ID Number (NPWP) Card
• Resident ID Card (KTP) for Indonesian Citizens/Passport & Limited Stay Permit (KITAS) for foreign board members and shareholders

Financial Documents

• Company’s Financial Statements for the last 2 (two) years
• Current Account Statements for the last 3 (three) months

Cooperation Documents

Cooperation Agreements together with their supporting documents, including:

1. Auto-debit authorization letter (if payment is made through an auto-debit facility)
2. Limit recommendation letter
3. Power of Attorney for the PIC (Person in Charge) + a copy of Resident ID Card (KTP) for Indonesian Citizens/Passport & Limited Stay Permit (KITAS) for foreign citizens
4. Cardholder Application Form + a copy of Resident ID Card (KTP) for Indonesian Citizens/Passport & Limited Stay Permit (KITAS) for foreign citizens

Article 1
The BCA Visa Corporate Card (“Card”) is the property of PT Bank Central Asia Tbk (“BCA”). The Card is issued by BCA at the request of the company that has obtained the BCA Visa Corporate Card facility from BCA (“Company”). The Card is issued for use by the person(s) designated by the Company (“Cardholder”) solely for the benefit of the Company.

Article 2
The Card is non-transferable and must be signed by the Cardholder whose name is printed on the Card and must not be used by another person that may succeed the Cardholder in position. During the validity of the Card, the Cardholder is the only person entitled to use the Card to make payment transactions to a merchant using the Card ("Merchant"), make cash withdrawals through ATMs, or withdraw cash at BCA branch offices/other banks that accept cash withdrawal transactions using the Card. BCA is not responsible for any refusal by the Merchant to accept payments using the Card.

Article 3
The Cardholder when using the Card must not exceed the maximum credit limit determined by BCA. Any amount of Card usage that exceeds the maximum credit limit (if any) must be paid in full no later than the due date of the billing month. Any card usage that exceeds the maximum credit limit may be subject to a penalty, the amount of which is determined by BCA and will be notified in any form and by any means in accordance with the applicable law. With the approval of the Company, the Cardholder may withdraw cash within a certain limit as determined and notified by BCA in any form and by any means in accordance with the applicable law, subject to an administration fee and interest on the cash withdrawal amount. The amount of administration fee and interest will be notified to the Company in any form and by any means in accordance with the applicable law. Interest is calculated from the date on which the transaction is recorded (posting date).

Article 4
The Company is fully responsible for the use of the Card including any misuse of the Card, either by the Cardholder or by any other people. Neither the Company nor the Cardholder may use the Card to conduct transactions that violate the applicable law. All charges and fees incurred in connection with the use of the Card by the Cardholder are the full responsibility of the Company, without prejudice to BCA’s right, if deemed necessary by BCA, to collect such amounts directly from the Cardholder for the transactions conducted using the Card.

Article 5

• BCA will prepay the Merchant or another bank for all transactions made using the Card based on the billing data submitted to BCA.
• The Company is responsible to BCA for the billing amounts arising from the transactions.
• BCA will provide the Company with a monthly billing statement listing all the transactions made by the Cardholder (“Billing Statement”) in either soft copy (e-Statement) or hard copy, as chosen by the Company. If the Company prefers to receive the Billing Statement in hard copy, BCA may charge the Company the cost of printing the Billing Statement.
• The Company must make payment according to the Billing Statement in the minimum amount and on the payment terms as determined by BCA, in rupiah currency (the minimum amount payable is hereinafter called “Minimum Payment”), no later than the due date of the relevant billing month or on the next business day following the due date (if the due date falls on a holiday).
• If the amount of Minimum Payment does not reach Rp50,000 (fifty thousand rupiah), the amount payable for the Minimum Payment is Rp50,000 (fifty thousand rupiah).
• Late payment of the billing amount may cause transactions to be rejected. BCA reserves the right to block the Card if BCA does not receive payment at least in the amount equal to the Minimum Payment on the due date.
• In the event of any overdue amounts outstanding, the Company must pay off all such overdue amounts. If the payment is made by cheque/bilyet giro, the payment will be deemed effective when it has been actually received by BCA in good funds. If the cheque/bilyet giro is rejected or canceled, the Company will be charged an administration fee and/or other fees (if any), the amount of which will be determined by BCA and notified in any form and by any means in accordance with the applicable law.
• If the Company fails to settle all obligations arising from the use of the Card, upon BCA’s request, the Company and/or the Cardholder hereby voluntarily agree to surrender the assets of the Company and/or the Cardholder, whether movable or immovable, to BCA in satisfaction of the Company's obligations. Therefore, BCA is hereby authorized by the Company and/or the Cardholder to take all necessary measures to ensure the discharge of all of the Company’s obligations to BCA in connection with the use of the Card by the Cardholder.
• The Company is responsible for all the costs incurred in connection with the issuance and/or use of the Card including but not limited to the annual fee, interest, late charge, card replacement fee, stamp duty, Billing Statement printing charge, as well as other charges and fees (if any), which will be notified by BCA in any form and by any means in accordance with the applicable law.
• THESE TERMS AND CONDITIONS FOR BCA VISA CORPORATE CARD HAVE BEEN ADJUSTED TO ENSURE COMPLIANCE WITH THE PREVAILING LAWS AND REGULATIONS INCLUDING REGULATIONS OF THE FINANCIAL SERVICES AUTHORITY

Article 6
If the Card is lost, the Company and/or the Cardholder must immediately report the loss to HALO BCA (24-hour service) or a BCA branch office (during the operating hours of such BCA branch office). If necessary, BCA, the Company, and/or the Cardholder must provide a written notification of loss signed by the Company and/or the Cardholder in the form and substance satisfactory to BCA. The Company is responsible for all existing card transactions until BCA receives the notification of loss from the Company and/or the Cardholder. For card replacement, the Company will be charged a card replacement fee, the amount of which is determined by BCA. The lost card that has been reported in the notification of loss cannot be used any longer.

Article 7
BCA will impose a late charge for each monthly balance that remains unpaid after the due date as well as interest at the then applicable rate, calculated from the transaction posting date. BCA has the right to determine the amount of the late charge and interest, which will be notified by BCA to the Company in any form and by any means in accordance with the applicable law.

Article 8
BCA is not responsible for any defects and deficiencies of any nature in the goods or services purchased and paid for using the Card. In the event of a dispute over the purchase of the goods or payment for the services, the Company remains obligated to pay the amount as specified in the Billing Statement.

Article 9
If BCA receives the billing amount from the merchant in a currency other than rupiah, BCA will convert the amount into rupiah based on the exchange rate determined by BCA on the date BCA receives the billing data.

Article 10
BCA has the right to determine the credit limit for the Card, the amount of which will be notified to the Company and/or the Cardholder. The credit limit may be reduced or unconditionally canceled at any time by BCA. The credit limit may also be automatically canceled if the condition of the Company and/or the Cardholder drops to substandard (kurang lancar), doubtful (diragukan), or bad (macet). BCA under certain considerations has the right to block the Card, terminate the use of the Card, and revoke all rights attached to the Card, among others, if the Company and/or the Cardholder uses the Card to conduct any transactions that violate the applicable law, uses the Card for purposes other than as a payment instrument, or if there is an indication that the Company and/or the Cardholder uses the Card to make cash withdrawal/swipe transactions at the Merchant. BCA has the right to notify the Merchant of the above matters, if necessary. If the use of the Card is terminated, BCA has the right to block the Card and the Company is obliged to pay off all outstanding amounts arising from the use of the Card to BCA immediately in full amount on the Card termination date. The Company and BCA agree to waive the provisions of Article 1266 of the Indonesian Civil Code to the extent that a court decision is required to terminate an agreement, and therefore the Card termination does not need a court decision.

Article 11
The PIN (Personal Identification Number) can be used by the Cardholder to withdraw cash and/or conduct other types of transactions. Such other types of transactions are determined by BCA and will be notified in any form and by any means in accordance with the applicable law. The Cardholder must maintain the confidentiality of the PIN and must not store the PIN and the Card at the same place. The Cardholder is fully responsible for the use of the PIN and any misuse of the PIN, whether by the Cardholder or by other people.

Article 12
As long as the Company still has outstanding obligations to BCA related to the use of the Card, the Company and/or the Cardholder hereby authorizes BCA to block and/or debit any savings account, checking account, time deposit, and/or other accounts of the Company and/or the Cardholder at BCA, and use the proceeds to pay all of the Company's debts and obligations to BCA, including the principal, interest, penalties, court fees, and other costs and fees. All consequences arising in connection with the debiting of the accounts of the Company and/or the Cardholder under such authorization will be the full responsibility of the Company and/or the Cardholder.

Article 13
If the Company is a Merchant, BCA reserves the right to suspend any payments, block and/or debit the Merchant's account or set off any unpaid sum as well as its interest, penalties, and other costs and fees against the Merchant’s claims to BCA.

Article 14
The Card is only valid until the last day of the month and year as stated on the Card and will be automatically renewed by BCA, unless the Company requests BCA to terminate the Card before its expiration date or BCA under certain considerations terminates the Card before the expiration date.

Article 15
If the Company intends to terminate the use of the Card, the Company must notify BCA of such intention at least 1 (one) month prior to the intended Card termination date.

Article 16
The Company hereby acknowledges that all records, printouts, recordings, communication media, or any other evidence held by BCA connected with the transactions conducted by the Cardholder constitute valid and conclusive evidence binding on the Company, unless proven otherwise.

Article 17
The Company must immediately notify BCA of any change of the Company's address and/or telephone number. All consequences arising from a delay in or non-receipt of the Billing Statement due to the Company's failure to notify any changes to the Company's data will be the full responsibility of the Company and or the Guarantor. The delay or non-receipt of the Billing Statement will not relieve the Company of its obligation to pay the billing amount arising from the use of the Card, including the late charge and interest, in accordance with the applicable provisions at BCA.

Article 19
BCA reserves the right to debit the Company's account and use the proceeds to pay all costs and fees incurred to recover all amounts due to BCA from the Company, including any attorneys’ fees, court costs, and agency fees if BCA appoints or authorizes other persons to collect such amounts from the Company.

Article 20
The Company must provide BCA with the Company’s organizational documents as required to apply for the BCA Visa Corporate Card facility, including but not limited to the Deed of Establishment, Articles of Association, and any amendments thereto.

Article 21
The powers and authority granted under these Terms and Conditions for BCA Visa Corporate Card are irrevocable and will not terminate for any reason, including those specified in articles 1813, 1814, and 1816 of the Indonesian Civil Code as long as the Company still has outstanding obligations.to BCA arising from the use of the Card.

Article 22
The Company hereby acknowledges that these Terms and Conditions for BCA Visa Corporate Card also apply to any request and use of all new Cards issued by BCA for the Company.

Article 23
The Company and/or the Cardholder hereby permit BCA to provide other parties with the Company’s and/or the Cardholder’s data for promotional activities or other commercial purposes. The Cardholder hereby holds BCA harmless against all claims arising from the provision of the Company’s and/or the Cardholder’s data to other parties.

Article 24
In respect of all consequences arising from the use of the Card, the parties agree to elect a common domicile at the Registrar's Office of the Central Jakarta District Court, without prejudice to BCA's right to file any suits or claims through other District Courts within the territory of the Republic of Indonesia.

Article 25
Any failure and/or delay by BCA in exercising any of its rights, powers or privileges under these Terms and Conditions for BCA Visa Corporate Card does not operate as a waiver by BCA of such rights or powers, and the exercise of any one or part of the rights, powers or privileges under these terms and conditions does not preclude BCA from any further exercise of such rights or powers or from the exercise of any other rights, powers or privileges.

Article 26
The Cardholder hereby agrees to and is bound by the provisions contained in these Terms and Conditions for BCA Visa Corporate Card, the Card application form, welcome pack, and usage procedure. BCA has the right to change the provisions contained in these Terms and Conditions for BCA Visa Corporate Card, including but not limited to the provisions regarding interest, penalties, administration fees, credit limits, and Minimum Payment, as well as the provisions contained in the Card application form, welcome pack, and usage procedure, which will be notified by BCA to the Cardholder and/or the Company in any form and by any means in accordance with the applicable law.

Article 27
These Terms and Conditions for BCA Visa Corporate Card form an integral and inseparable part of the BCA Visa Corporate Card application form and the cooperation agreement on the issuance of BCA Visa Corporate Credit Card entered into by BCA and the Company.