For those of you who like to shop, you can try to enjoy the various benefits of BNI credit cards. If previously you were part of this bank’s customers, then you must have known BNI always provides the best service. But it does not rule out the possibility of you who were not previously part of this bank’s customers.
In this increasingly sophisticated age, the need is increasing. But with limited income makes everything hampered. The presence of credit cards is there to make it easier for people to buy something of value in a fast time. There is no need to wait to collect money in advance when the situation is very urgent.
Enjoy the various benefits of BNI credit cards are considered to provide convenience in transacting. Starting from the terms, limits, costs offered, and the benefits obtained are very helpful for you in realizing your desires in the near future without the need to save too long.
Various types of banks are also competing to provide attractive offers and convenient facilities to attract more customers who are interested in applying for the creation of the credit card. Beberapa information that you need to know related to BNI credit cards before finally deciding to use it.
Requirements for Applying for BNI Credit Card
Before you canenjoy the various benefits of BNI credit cards , you should know in advance what conditions must be met to be able to apply for card making. Of course, you must prepare this condition before finally deciding to go to the nearest BNI bank from your current location.
The first requirement is that you must be at least 21 years old when applying for a card, the maximum age limit is 65 years. This age is a condition for a primary cardholder. For those of you who want to add a cardholder, the minimum age is 17 to 65 years.
The next requirement is that you must bring a photocopy of your ID card or driver’s license or also your passport. No need to bring everything, just choose one. This will be used as a guarantee of the legal identity of a person who will apply for a BNI credit card.
Another condition is that you must bring evidence that shows the nominal income of your income. The evidence can be in the form of payslips, tax returns, or other valid proof of income. Then don’t forget to bring or remember your NPWP. You will also be asked to add another credit card number if you already have one.
What if you are an entrepreneur or professional who does not have a payslip or NPWP. Relax, you only need to bring a photocopy of the letter from your business establishment certificate or SIUP or TDP and/or Professional license. Of course, in the application there is a minimum salary set by BNI.
The higher the type of BNI Credit card, the higher the minimum salary that you must have to be able to get permission to use the credit card. The nominal salary per month should range from 3 million to 41.7 million. The salary variation depends on what type of credit card you will choose and you can enjoy various benefits of BNI credit cards.
Benefitsobtained with BNI Credit Card
Of the many testimonials of credit card users, BNI includes a type of bank that provides credit card facilities with many benefits. This is because this type of bank has quite a lot of cooperation with various large merchants. This collaboration helps customers enjoy the benefits of BNI credit cards.
Enjoy the various benefits of BNI credit card that you first get is that an users of this credit card can not be limited to only be used in Indonesia but you can also use it abroad. This will make it easier for you not to worry when you lack a budget while traveling abroad.
In addition, BNI provides waivers for users not to have to pay bills until they are paid off in the month. BNI provides drought which is about 10% minimum payment for your bill in order to avoid late payment fines.
You will also be charged an administration fee of Rp5,000 for each payment at one time. Then various free facilities that you will enjoy are in the form of executive facilities of tunggu berkamera room, attractive offers by exchanging reward points owned and also enjoy various other BNI credit card benefits .
Limits and Fees for Using BNI Credit Cards
After knowing the requirements in applying foratan BNI credit card, it is easy plus the benefits provided are very much and useful then information about the billing limits offered and the fees youdistribute as well.
As previously known to enjoy the various benefits of BNI credit cards there are several types of cards offered to you but all types of cards have different nominal limits and fees. This should also be adjusted to your nominal income.
In bni silver credit card type you must earn at least 3 million and the card limit every month is 7 million with dues per year is 120 thousand. Then with the BNI Gold credit card type you have to earn 3 million with a card limit per month is 30 million and a fee per year of 240 thousand.
Furthermore, in the BNI PVG Visa Platinum credit card type, your nominal income is 41.67 million per month with no card limit per month and a bill of 600 per year to be paid. Unlike the BNI JCB Precious credit card type with a minimum salary of 10 million, a limit of 50 million / month and a bill fee of 600 thousand / year.
In the Garuda Signature credit card type, you have to pay a fee per year of 800 thousand with income per month which is 3 million and the limit offered is 50 million per month. Differences between credit card types can be quite significant but you can still enjoy various benefits of BNI credit cards according to the fees paid.
How to Apply for BNI Credit Card
Customers who want to apply for BNI credit card can do it online or onsite. Both options exist to offer a variety of conveniences to customers. The first step can be started by filling out a soft file form (online) or hardfile (onsite).
You will be faced with the offer of card type, choose the one that suits your ability to be able to qualify for the next stage. This is because if you do not qualify then you are not given permission to use a credit card. After the conditions have been met, then you will be asked questions.
The question must be answered honestly without any doubt. In addition, your relatives or relatives will also be asked to fulfill validation so that you can enjoy various benefits of BNI credit cards. If you meet all the conditions, then your application will be approved.
If it has been approved then you will receive the original credit card for you to use. Although it looks easy and easy, be wise in using the card. Do not give the pin or card to others because losses can be and do not enjoy thevarious benefits of BNI credit cards offered.