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Kartu Kredit / Credit Card
Kartu ANZ SPB VISA Infinite ANZ SPB VISA Infinite Card
Kartu VISA Infinite Infinite VISA Card
Iuran pengesampingan tahunan
Annual fee waiver
Utama/Tambahan
Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Minimum AUM (Assets Under Management) AUM (Assets Under Management) minimum
Rp 1.000.000.000 Rp 1,000,000,000
Rp 1.000.000.000 Rp 1,000,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back
Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 digibank Reward Point Rp 10,000 = 1 digibank Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26,95% p.a. Value of outstanding interest: 26.95% p.a.
Nilai bunga yang beredar: 26,95% p.a. Value of outstanding interest: 26.95% p.a.
Batas Kredit Credit Limit
Rp 180.000.000 – Rp 1.000.000.000 Rp 180,000,000 – Rp 1,000,000,000
Rp 180.000.000 – Rp 1.000.000.000 Rp 180,000,000 – Rp 1,000,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 250.000
5% dari overlimit min. Rp 250.000
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5% from overlimit or min. Rp 250,000
5% from total overlimit or min. IDR 250,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min. Rp 150.000 6% from cash withdrawal or min. Rp 150,000
6% dari penarikan uang tunai atau min Rp 150.000 6% from cash withdrawal or min. Rp 150,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan
Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking
Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan
Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Bioskop Movie
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Reward Point Reward Points
Setiap transaksi Rp 10.000 untuk pembelian ritel di luar negeri akan mendapatkan 2 reward points Get 2 reward points for every Rp 10,000 of your retail overseas transactions
Setiap transaksi Rp 10.000 untuk pembelian ritel di luar negeri akan mendapatkan 2 reward points Get 2 reward points for every Rp 10,000 of your retail overseas transactions
Mileage lebih cepat Faster mileage accumulation
Terbang GRATIS dengan menggunakan Kartu Kredit ANZ SPB Visa Infinite dan tukarkan poin-poin Anda menjadi mileage: Rp 10.000 (transaksi lokal) = 1 mile KF/GFF Rp 5.000 (transaksi luar negeri) = 1 mile KF/GFF Travel for FREE with ANZ SPB Visa Infinite Credit Card and convert your points into mileage: Rp 10,000 (local transaction) = 1 mile KF/GFF Rp 5,000 (overseas transaction) = 1 mile KF/GFF
Terbang GRATIS dengan menggunakan Kartu Kredit Visa Infinite dan tukarkan poin-poin Anda menjadi mileage: Rp 10.000 (transaksi lokal) = 1 mile KF/GFF Rp 10.000 (transaksi luar negeri) = 2 mile KF/GFF Travel for FREE with Visa Infinite Credit Card and convert your points into mileage: Rp 10,000 (local transaction) = 1 mile KF/GFF Rp 10,000 (overseas transaction) = 2 mile KF/GFF
DragonPass DragonPass
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-
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kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 12x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities.
kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 12x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities.
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- Applicable for Principal Cardholder and 1 guest
- Complimentary access for max. 12x a year
- Simply show the barcode from your smartphone
- (no need for a special card such as Priority Pass)
- Applicable for Principal Cardholder and 1 guest
- Complimentary access for max. 12x a year
- Simply show the barcode from your smartphone
- (no need for a special card such as Priority Pass)
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Starbucks Airport Treats Starbucks Airport Treats
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks food and beverages
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks food and beverages
Layanan cicilan Installment facility
Nikmati ANZ Installment 0% hingga 12 bulan di partner ternama di Indonesia ANZ Installment 0% up to 12 months at many renowned partners in Indonesia
Nikmati digibank Installment 0% hingga 12 bulan di partner ternama di Indonesia digibank Installment 0% up to 12 months at many renowned partners in Indonesia
Perlindungan perjalanan Travel Protection
Untuk Pemegang Kartu Kecelakaan Perjalanan untuk Pemegang Kartu & Keluarga: Rp 10.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 4.000.000 Keterlambatan Bagasi (6 jam): Rp 4.000.000
Untuk Pemegang Kartu Kecelakaan Perjalanan untuk Pemegang Kartu & Keluarga: Rp 10.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 4.000.000 Keterlambatan Bagasi (6 jam): Rp 4.000.000
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Keterlambatan atas penerbangan selanjutnya: Rp 4.000.000 Kehilangan Bagasi (48 jam): 24,000,000 Biaya pengobatan di luar negeri: 600.000.000 Untuk Keluarga Kecelakaan Perjalanan: Rp 10.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 8.000.000 Keterlambatan Bagasi (6 jam): Rp 8.000.000 Keterlambatan atas penerbangan selanjutnya: Rp 8.000.000 Kehilangan Bagasi (48 jam): 48.000.000 Biaya pengobatan di luar negeri: 1.200.000.000 Syarat dan ketentuan :
1. Hanya berlaku untuk Kartu Kredit ANZ yang masih berlaku.
2. Asuransi diberikan untuk setiap pembelian tiket pesawat dengan Kartu ANZ SPB Visa Infinite.
For Cardholder: Travel Accident: Rp 10,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 10,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000
Keterlambatan atas penerbangan selanjutnya: Rp 4.000.000 Kehilangan Bagasi (48 jam): 24,000,000 Biaya pengobatan di luar negeri: 600,000,000 Untuk Keluarga Kecelakaan Perjalanan: Rp 10,000,000,000 Keterlambatan Penerbangan (4 jam): Rp 8,000,000 Keterlambatan Bagasi (6 jam): Rp 8,000,000 Keterlambatan atas penerbangan selanjutnya: Rp 8,000,000 Kehilangan Bagasi (48 jam): 48,000,000 Biaya pengobatan di luar negeri: 1,200,000,000 Syarat dan ketentuan :
1. Hanya berlaku untuk Kartu Kredit digibank yang masih berlaku.
2. Asuransi diberikan untuk setiap pembelian tiket pesawat dengan Kartu Visa Infinite.
For Cardholder: Travel Accident: Rp 10,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 10,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000
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Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000 Terms and Conditions: 1. Applicable only for active
ANZ Credit Card 2. Insurance is provided only for
purchase of airline ticket with ANZ SPB Visa Infinite
Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000 Terms and Conditions: 1. Applicable only for active
digibank Credit Card 2. Insurance is provided only for
purchase of airline ticket with Visa Infinite Card
Perlindungan Pembelian Purchase Protection
Per barang: Rp 45.000.000 Per kejadian: Rp 100.000.000 Secara Agregat Rp 200.000.000 Perlindungan terhadap pembelian barang disebabkan karena hilang dicuri dan/atau kerusakan yang terjadi 30 hari setelah tanggal pembelian (hanya berlaku untuk barang dengan harga lebih dari Rp 250.000) Per item Rp 45,000,000 Per occurance Rp 100,000,000 By aggregate Rp 200,000,000 Protection for items purchased from theft and/or damages sustained within 30 days after the date of purchase (applicable only for items over Rp 250,000)
Per barang: Rp 45.000.000 Per kejadian: Rp 100.000.000 Secara Agregat Rp 200.000.000 Perlindungan terhadap pembelian barang disebabkan karena hilang dicuri dan/atau kerusakan yang terjadi 30 hari setelah tanggal pembelian (hanya berlaku untuk barang dengan harga lebih dari Rp 250,000) Per item Rp 45,000,000 Per occurance Rp 100,000,000 By aggregate Rp 200,000,000 Protection for items purchased from theft and/or damages sustained within 30 days after the date of purchase (applicable only for items over Rp 250,000)
Keistimewaan Visa Infinite Visa Infinite Privileges
SPB Hotline 24 Jam Khusus 0804 1000 888 / (6221) 2758 8888 Dedicated 24-Hour SPB Hotline 0804 1000 888 / (6221) 2758 8888
Infinite Hotline 24 jam khusus 0804 1500 327 / +6221 29852888 (digibank customer centre) Dedicated 24-Hour Infinite Hotline 0804 1500 327 / +6221 29852888 (digibank customer centre)
DIskon hingga 30% Green Fees Up to 30% Off of Green Fees
1. Nikmati diskon hingga 30% untuk Green Fees di 30 golf club di South East Asia, weekdays.
2. Komplimen Green Fee untuk pemegang kartu utama, setiap hari di lapangan golf terkemuka di Jakarta, Bogor dan Bali.
1. Nikmati diskon hingga 30% untuk Green Fees di 30 golf club di South East Asia, weekdays.
2. Komplimen Green Fee untuk pemegang kartu utama, setiap hari di lapangan golf terkemuka di Jakarta, Bogor dan Bali.
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Berlaku hingga 31 Desember 2018. 1. Enjoy up tp 30% off of Green
Fees in 30 golf courses across South East Asia, on weekdays.
2. Enjoy complimentary Green Fee everyday for principal cardholder, at renowned golf courses in Jakarta, Bogor, and Bali.
Effective until 31 December 2018.
Berlaku hingga 31 Desember 2018. 1. Enjoy up tp 30% off of Green
Fees in 30 golf courses across South East Asia, on weekdays.
2. Enjoy complimentary Green Fee everyday for principal cardholder, at renowned golf courses in Jakarta, Bogor, and Bali.
Effective until 31 December 2018.
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Kartu ANZ Mastercard Black ANZ Mastercard Black Card
Kartu Mastercard Black Mastercard Black Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 3.500.000 Rp 3,500,000
Rp 3.500.000 Rp 3,500,000
Kartu Tambahan Supplementary Card
Rp 1.500.000 Rp 1,500,000
Rp 1.500.000 Rp 1,500,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 50.000.000 Rp 50,000,000
Rp 50.000.000 Rp 50,000,000
Asosiasi Association
Mastercard Mastercard
Mastercard Mastercard
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10.000 = 1 ANZ Reward Point
Rp 10.000 = 1 digibank Reward Point Rp 10.000 = 1 digibank Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26,95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 50.000.000 – Rp 1.000.000.000 Rp 50,000,000 – Rp 1,000,000,000
Rp 50.000.000 – Rp 1.000.000.000 Rp 50,000,000 – Rp 1,000,000,000
Biaya Over Limit
5% dari overlimit min. Rp 250.000
5% dari overlimit min. Rp 250.000
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Over Limit Fee 5% from overlimit or min. Rp 250,000
5% from overlimit or min. Rp 250,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 150.000 6% from cash withdrawal or min. Rp 150,000
6% dari penarikan uang tunai atau min Rp 150.000 6% from cash withdrawal or min. Rp 150,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Bioskop Movie
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Reward Point Reward Points
Setiap transaksi Rp 10.000 untuk pembelian ritel akan mendapatkan 1 reward points Get 1 reward points for every Rp 10,000 of your retail transactions
Setiap transaksi Rp 10.000 untuk pembelian ritel akan mendapatkan 1 reward points Get 1 reward points for every Rp 10,000 of your retail transactions
Mileage lebih cepat Faster mileage accumulation
Dapatkan lebih banyak Mileage dibandingkan ANZ Visa Platinum untuk setiap penukaran ANZ Reward Points ke hingga 60 airline partner (termasuk GarudaMiles, Krisflyer dan Asia Miles) Get more Mileage compared with ANZ Visa Platinum for every ANZ Reward Points redemption with up to 60 airline partners (including GarudaMiles, Krisflyer dan Asia Miles)
Dapatkan lebih banyak Mileage dibandingkan Visa Platinum untuk setiap penukaran digibank Reward Points ke hingga 60 airline partner (termasuk GarudaMiles, Krisflyer dan Asia Miles) Get more Mileage compared with ANZ Visa Platinum for every ANZ Reward Points redemption with up to 60 airline partners (including GarudaMiles, Krisflyer dan Asia Miles)
DragonPass DragonPass
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia: Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5
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juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 12x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities. Applicable for Principal Cardholder and 1 guest Complimentary access for max. 12x a year Simply show the barcode from your smartphone
juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 12x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities. Applicable for Principal Cardholder and 1 guest Complimentary access for max. 12x a year Simply show the barcode from your smartphone
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(no need for a special card such as Priority Pass)
(no need for a special card such as Priority Pass)
Starbucks Airport Treats Starbucks Airport Treats
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks foods and beverages
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks foods and beverages
Layanan cicilan Installment facility
Nikmati ANZ Installment 0% hingga 12 bulan di partner ternama di Indonesia ANZ Installment 0% up to 12 months at many renowned partners in Indonesia
Nikmati DBS Installment 0% hingga 12 bulan di partner ternama di Indonesia DBS Installment 0% up to 12 months at many renowned partners in Indonesia
Perlindungan perjalanan Travel Protection
Untuk Pemegang Kartu Kecelakaan Perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 4.000.000 Keterlambatan Bagasi (6 jam): Rp 4.000.000 Keterlambatan atas penerbangan selanjutnya: Rp 4.000.000 Kehilangan Bagasi (48 jam): 24,000,000 Biaya pengobatan di luar negeri: 600.000.000 Untuk Keluarga
Untuk Pemegang Kartu Kecelakaan Perjalanan: Rp 1,000,000,000 Keterlambatan Penerbangan (4 jam): Rp 4,000,000 Keterlambatan Bagasi (6 jam): Rp 4,000,000 Keterlambatan atas penerbangan selanjutnya: Rp 4,000,000 Kehilangan Bagasi (48 jam): 24,000,000 Biaya pengobatan di luar negeri: 600,000,000 Untuk Keluarga
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Kecelakaan Perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 8.000.000 Keterlambatan Bagasi (6 jam): Rp 8.000.000 Keterlambatan atas penerbangan selanjutnya: Rp 8.000.000 Kehilangan Bagasi (48 jam): 48.000.000 Biaya pengobatan di luar negeri: 1.200.000.000 For Cardholder: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000 Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000
Kecelakaan Perjalanan: Rp 1,000,000,000 Keterlambatan Penerbangan (4 jam): Rp 8,000,000 Keterlambatan Bagasi (6 jam): Rp 8,000,000 Keterlambatan atas penerbangan selanjutnya: Rp 8,000,000 Kehilangan Bagasi (48 jam): 48,000,000 Biaya pengobatan di luar negeri: 1,200,000,000 For Cardholder: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000 Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000
Perlindungan Pembelian Purchase Protection
Per barang: Rp 45.000.000 Per kejadian: Rp 100.000.000 Secara Agregat Rp 200.000.000 Perlindungan terhadap pembelian barang disebabkan karena hilang dicuri dan/atau kerusakan yang terjadi 30 hari setelah tanggal pembelian (hanya berlaku untuk barang dengan harga lebih dari Rp 250.000)
Per barang: Rp 45,000,000 Per kejadian: Rp 100,000,000 Secara Agregat Rp 200,000,000 Perlindungan terhadap pembelian barang disebabkan karena hilang dicuri dan/atau kerusakan yang terjadi 30 hari setelah tanggal pembelian (hanya berlaku untuk barang dengan harga lebih dari Rp 250,000) Per item Rp 45,000,000
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Per item Rp 45,000,000 Per occurance Rp 100,000,000 By aggregate Rp 200,000,000 Protection for items purchased from theft and/or damages sustained within 30 days after the date of purchase (applicable only for items over Rp 250,000)
Per occurance Rp 100,000,000 By aggregate Rp 200,000,000 Protection for items purchased from theft and/or damages sustained within 30 days after the date of purchase (applicable only for items over Rp 250,000)
Keistimewaan Mastercard Mastercard Privileges
1. The Mastercard Moments Luxurious Lifestyle Partners
2. Mastercard Global Service 3. Concierge Service 1. The Mastercard Moments
Luxurious Lifestyle Partners 2. Mastercard Global Service 3. Concierge Service
1. The Mastercard Moments Luxurious Lifestyle Partners
2. Mastercard Global Service 3. Concierge Service 1. The Mastercard Moments
Luxurious Lifestyle Partners 2. Mastercard Global Service 3. Concierge Service
Hemat 50% walk-in Green Fee Up to 50% Off of walk-in Green Fees
Keistimewaan untuk bebas bermain golf kapanpun: Berlaku di 16 lapangan golf terpilih (bintang 5 dan 6) di 6 negara (Indonesia, Singapura, Malaysia, Vietnam, Thailand, Filipina) Tanpa persyaratan pemegang kartu harus membayar Berlaku weekday dan weekend Maksimum 1 booking/bulan, 4 booking/tahun Syarat & Ketentuan
1. Maksimum 1 booking per cardholder/bulan, 4x/tahun
2. khusus Golf Club di Singapura hanya berlaku weekday
Berlaku hingga 15 Juni 2018. The privilege to play golf at anytime: In selected 16 golf courses (5 and 6 stars) in 6 countries (Indonesia, Singapore, Malaysia, Vietnam, Thailand, the Phillipines). There is no paying guest requirement. Valid in weekday and weekend.
Keistimewaan untuk bebas bermain golf kapanpun: Berlaku di 16 lapangan golf terpilih (bintang 5 dan 6) di 6 negara (Indonesia, Singapura, Malaysia, Vietnam, Thailand, Filipina) Tanpa persyaratan pemegang kartu harus membayar Berlaku weekday dan weekend Maksimum 1 booking/bulan, 4 booking/tahun Syarat & Ketentuan
1. Maksimum 1 booking per cardholder/bulan, 4x/tahun
2. khusus Golf Club di Singapura hanya berlaku weekday
Berlaku hingga 15 Juni 2018. The privilege to play golf at anytime: In selected 16 golf courses (5 and 6 stars) in 6 countries (Indonesia, Singapore, Malaysia, Vietnam, Thailand, the Phillipines). There is no paying guest requirement. Valid in weekday and weekend.
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Maximum 1 booking/month, 4 booking/year. Terms & Conditions 1. Maximum 1 booking per
cardholder/month, 4 bookings/year
2. Singapore courses are valid for weekdays only
Effective until 15 June 2018.
Maximum 1 booking/month, 4 booking/year. Terms & Conditions 3. Maximum 1 booking per
cardholder/month, 4 bookings/year
4. Singapore courses are valid for weekdays only
Effective until 15 June 2018.
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Kartu ANZ Visa Travel Signature ANZ Visa Travel Signature Card
Kartu digibank Travel VISA Signature
digibank Travel VISA Signature Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 1.000.000 Rp 1,000,000
Rp 1.000.000 Rp 1,000,000
Kartu Tambahan Supplementary Card
Rp 500.000 Rp 500,000
Rp 500.000 Rp 500,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 30.000.000 Rp 30,000,000
Rp 30.000.000 Rp 30,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya (Mileage) Yes (Mileage)
Ya (Mileage) Yes (Mileage)
Cash Back Cash Back
Tidak No
TIdak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
1 Mileage = 1 ANZ Reward Point 1 Mileage = Transaksi Domestik Rp 8.000 1 Mileage = Transaksi Luar Negri Rp 5.000 1 Mileage = 1 ANZ Reward Point 1 Mileage = Domestic Transaction Rp 8,000 1 Mileage = Overseas Transaction Rp 5,000
1 Mileage = 1 digibank Reward Point 1 Mileage = Transaksi Domestik Rp 8.000 2 Mileage = Transaksi Luar Negri Rp 10.000 1 Mileage = 1 digibank Reward Point 1 Mileage = Domestic Transaction Rp 8,000 2 Mileage = Overseas Transaction Rp 10,000
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a.
Nilai bunga yang beredar: 26.95% p.a.
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Value of outstanding interest: 26.95%
Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 50.000.000 – Rp 500.000.000 Rp 50,000,000 – Rp 500,000,000
Rp 50.000.000 – Rp 500.000.000 Rp 50,000,000 – Rp 500,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 250.000 5% from overlimit or min. Rp 250,000
5% dari overlimit min. Rp 250.000 5% from overlimit or min. Rp 250,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 150.000 6% from cash withdrawal or min. Rp 150,000
6% dari penarikan uang tunai atau min Rp 150.000 6% from cash withdrawal or min. Rp 150,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
DragonPass DragonPass
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 1x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges:
Gratis Lounge Bandara di seluruh Dunia Keistimewaan di Bandara Luar Negeri: Sebagai pengguna DragonPass Anda dapat meninggalkan keramaian di Bandara dengan menikmati kenyamanan di lounge bandara. Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Akses ke hingga 850 Lounge Bandara yang tergabung di network DragonPass. Lebih dari 100 negara dan 200 kota di luar negeri. Berlaku untuk Pemegang Kartu Utama dan 1 pendamping Gratis akses maksimum 1x setahun Cukup menunjukkan Barcode dari Smartphone (tanpa kartu khusus seperti Priority Pass) Complimentary Airport Lounges Worldwide Overseas Airport Privileges: As a DragonPass member you can leave the crowded airport terminals behind and enjoy the calm environment of airport lounges. Indonesia Airport Privileges:
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Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities. Applicable for Principal Cardholder and 1 guest Complimentary access for max. 1x a year Simply show the barcode from your smartphone (no need for a special card such as Priority Pass)
Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities) Access to over 850 lounges worldwide the DragonPass lounge network is in over 100 countries and in over 200 cities. Applicable for Principal Cardholder and 1 guest Complimentary access for max. 1x a year Simply show the barcode from your smartphone (no need for a special card such as Priority Pass)
Starbucks Airport Treats Starbucks Airport Treats
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks foods and beverages
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta di lembar tagihan terakhir. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 2 Makanan & 2 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 2 Starbucks foods and beverages
Perlindungan perjalanan Untuk Pemegang Kartu Untuk Pemegang Kartu
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Travel Protection
Asuransi kecelakaan perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 4.000.000 Keterlambatan Bagasi (6 jam): Rp 4.000.000 Keterlambatan atas penerbangan selanjutnya : Rp 4.000.000 Kehilangan bagasi (48 jam): 24.000.000 Biaya Medis di Luar Negeri: 600.000.000 Untuk Keluarga Asuransi kecelakaan perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 8.000.000 Keterlambatan Bagasi (6 jam): Rp 8.000.000 Keterlambatan atas penerbangan selanjutnya : Rp 8.000.000 Kehilangan bagasi (48 jam): 48.000.000 Biaya Medis di Luar Negeri: 1.200.000.000 For Cardholder: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000 Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000
Asuransi kecelakaan perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 4.000.000 Keterlambatan Bagasi (6 jam): Rp 4.000.000 Keterlambatan atas penerbangan selanjutnya : Rp 4.000.000 Kehilangan bagasi (48 jam): 24.000.000 Biaya Medis di Luar Negeri: 600.000.000 Untuk Keluarga Asuransi kecelakaan perjalanan: Rp 1.000.000.000 Keterlambatan Penerbangan (4 jam): Rp 8.000.000 Keterlambatan Bagasi (6 jam): Rp 8.000.000 Keterlambatan atas penerbangan selanjutnya : Rp 8.000.000 Kehilangan bagasi (48 jam): 48.000.000 Biaya Medis di Luar Negeri: 1.200.000.000 For Cardholder: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 4,000,000 Baggage Delay (6 hours): Rp 4,000,000 Miss Connection: Rp 4,000,000 Lost Baggage (48 hours): Rp 24,000,000 Overseas Medical Expenses: Rp 600,000,000 For Family: Travel Accident: Rp 1,000,000,000 Flight Delay (4 hours): Rp 8,000,000 Baggage Delay (6 hours): Rp 8,000,000 Miss Connection: Rp 8,000,000 Lost Baggage (48 hours): Rp 48,000,000 Overseas Medical Expenses: Rp 1,200,000,000
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Pengumpulan Mileage tercepat Fastest Mileage Accumulation
Terbang GRATIS dgn min transaksi Rp5 jt/bulan. Transaksi ritel di luar negeri / dengan mata uang asing: Rp 5.000 Transaksi ritel domestik: Rp 8.000 akan mendapatkan 1 ANZ Mileage Bonus ANZ Mileage hanya dengan minimum total transaksi ritel Rp 750.000 dalam periode 2 bulan setelah kartu disetujui Bonus ANZ Mileage: 3000 Overseas retail transaction / with foreign currency: Rp 5,000 Domestic retail transaction: Rp 8,000 Will earn 1 ANZ Mileage Get bonus ANZ Mileage with a minimum total retail transactions of Rp 750,000 in 2 months period, after card approval Bonus ANZ Mileage: 3000
Terbang GRATIS dgn min transaksi Rp5 jt/bulan. Transaksi ritel di luar negeri / dengan mata uang asing: Rp 5.000 Transaksi ritel domestik: Rp 8.000 akan mendapatkan 1 digibank Mileage Bonus digibank Mileage hanya dengan minimum total transaksi ritel Rp 750.000 dalam periode 2 bulan setelah kartu disetujui Bonus digibank Mileage: 3000 Overseas retail transaction / with foreign currency: Rp 10,000 Will earn 2 digibank Mileage Domestic retail transaction: Rp 8,000 Will earn 1 digibank Mileage Get bonus digibank Mileage with a minimum total retail transactions of Rp 750,000 in 2 months period, after card approval Bonus digibank Mileage: 3000
Terbang GRATIS Fly for FREE
Terbang GRATIS dengan 60 Maskapai Penerbangan 1 ANZ Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum penukaran mileage adalah 5.000 ANZ Mileage Fly for FREE with 60 Airlines 1 ANZ Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum mileage redemption is 5,000 ANZ Mileage
Terbang GRATIS dengan 60 Maskapai Penerbangan 1 digibank Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum penukaran mileage adalah 5.000 digibank Mileage Fly for FREE with 60 Airlines 1 digibank Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum mileage redemption is 5,000 digibank Mileage
Bepergian GRATIS Travel for FREE
Bayar transaksi perjalanan dengan ANZ Mileage melalui Travel & Redeem:
Bayar transaksi perjalanan dengan digibank Mileage melalui Travel & Redeem:
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Menginap GRATIS di hotel pilihan customer Penerbangan GRATIS dengan maskapai penerbangan pilihan customer Transportasi GRATIS dengan perusahaan transportasi pilihan customer Paket perjalanan GRATIS dengan Travel Agent pilihan customer 2.500 ANZ mileage = Rp 100.000 Pay travel transaction using ANZ Mileage with Travel & Redeem: Free hotel accommodation from your preferred hotels Free airlines ticket from your preferred airlines Transportation services from your preferred transportation company Travel package from your preferred travel agent 2,500 ANZ mileage = Rp 100,000
Menginap GRATIS di hotel pilihan customer Penerbangan GRATIS dengan maskapai penerbangan pilihan customer Transportasi GRATIS dengan perusahaan transportasi pilihan customer Paket perjalanan GRATIS dengan Travel Agent pilihan customer 2.500 digibank mileage = Rp 100.000
Pay travel transaction using ANZ Mileage with Travel & Redeem: Free hotel accommodation from your preferred hotels Free airlines ticket from your preferred airlines Transportation services from your preferred transportation company Travel package from your preferred travel agent 2,500 digibank mileage = Rp 100,000
Nilai tukar mata uang asing paling rendah Most competitive foreign exchange rate
Selalu belanja di luar negeri/mata uang asing dgn ANZ Travel Card, krn nilai tukarnya yang paling rendah dibandingkan kartu ANZ lainnya Shop overseas/in foreign currency with ANZ Travel Card, for its most competitive exchange rate compared to other ANZ cards
Selalu belanja di luar negeri/mata uang asing dgn digibank Travel Card, krn nilai tukarnya yang paling rendah dibandingkan kartu digibank lainnya Shop overseas/in foreign currency with digibank Travel Card, for its most competitive exchange rate compared to other digibank cards
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Kartu ANZ Visa Travel Platinum ANZ Visa Travel Platinum Card
Kartu digibank Travel VISA Platinum
digibank Travel VISA Platinum Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 750.000 Rp 750,000
Rp 750.000 Rp 750,000
Kartu Tambahan Supplementary Card
Rp 450.000 Rp 450,000
Rp 450.000 Rp 450,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 10.000.000 Rp 10,000,000
Rp 10.000.000 Rp 10,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya (Mileage) Yes (Mileage)
Ya (Mileage) Yes (Mileage)
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
1 Mileage = 1 ANZ Reward Point 1 Mileage = Transaksi Domestik Rp 10.000 1 Mileage = Transaksi Luar Negri Rp 8.000 1 Mileage = 1 ANZ Reward Point 1 Mileage = Domestic Transaction Rp 10,000 1 Mileage = Overseas Transaction Rp 8,000
1 Mileage = 1 digibank Reward Point 1 Mileage = Transaksi Domestik Rp 10.000 1 Mileage = Transaksi Luar Negri Rp 8.000 1 Mileage = 1 digibank Reward Point 1 Mileage = Domestic Transaction Rp 10,000 1 Mileage = Overseas Transaction Rp 8,000
Nilai bunga yang beredar
Nilai bunga yang beredar: 26.95% p.a.
Nilai bunga yang beredar: 26.95% p.a.
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Value of outstanding interest
Value of outstanding interest: 26.95%
Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 20.000.000 – Rp 300.000.000 Rp 20,000,000 – Rp 300,000,000
Rp 20.000.000 – Rp 300.000.000 Rp 20,000,000 – Rp 300,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 150.000 5% from overlimit or min. Rp 150,000
5% dari overlimit min. Rp 150.000 5% from overlimit or min. Rp 150,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Starbucks Airport Treats Starbucks Airport Treats
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 1 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 1 Starbucks beverage
Di semua outlet Starbucks Bandara di semua kota besar Indonesia untuk pemegang kartu Bisa dinikmati dengan minimum transaksi Rp 5 Juta. Max 24x/tahun (berlaku akumulasi untuk Lounge & Starbucks) 1 Minuman In all Starbucks Airport stores across major cities in Indonesia for cardholders Enjoy the treat with a minimum spending of Rp 5 million in the latest billing statement for a max. 24x/year (combined limit for airport lounges and Starbucks facilities) Complimentary 1 Starbucks beverage
Keistimewaan di Bandara di Indonesia Indonesia Airport Lounge Privileges
Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities)
Keistimewaan di Bandara di Indonesia Nikmati juga komplimen akses ke Lounge Bandara pilihan di kota-kota besar di Indonesia. Anda dapat menikmati fasilitas ini secara cuma-cuma dengan syarat total pemakaian minimum Rp 5 juta dilembar tagihan terakhir (1x/hari, max 24x/tahun - berlaku akumulasi untuk Lounge dan Starbucks) Indonesia Airport Privileges: Enjoy complimentary access to selected airport lounges across major cities in Indonesia. Please note that you are required to have a minimum spending of Rp 5 million in the latest billing statement to enjoy the complimentary access to the lounges (1x/day, max. 24x/year – combined limit for airport lounges and Starbucks facilities)
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Perlindungan perjalanan Travel Protection
Untuk Pemegang Kartu & Keluarga Asuransi kecelakaan perjalanan: Rp 1. 000.000.000 Travel accident insurance for Cardholder & Family: Rp 1,000,000,000
Untuk Pemegang Kartu & Keluarga Asuransi kecelakaan perjalanan: Rp 1.000.000.000 Travel accident insurance for Cardholder & Family: Rp 1,000,000,000
Pengumpulan Mileage tercepat Fastest Mileage Accumulation
Transaksi ritel di luar negeri / dengan mata uang asing: Rp 8.000 Transaksi ritel domestik: Rp 10.000 akan mendapatkan 1 ANZ Mileage Bonus ANZ Mileage hanya dengan minimum total transaksi ritel Rp 750.000 dalam periode 2 bulan setelah kartu disetuju Bonus ANZ Mileage: 2000 Overseas retail transaction / with foreign currency: Rp 8,000 Domestic retail transaction: Rp 10,000 Will earn 1 ANZ Mileage Get bonus ANZ Mileage with a minimum total retail transactions of Rp 750,000 in 2 months period, after card approval Bonus ANZ Mileage: 2000
Transaksi ritel di luar negeri / dengan mata uang asing: Rp 8,000 Transaksi ritel domestik: Rp 10,000 akan mendapatkan 1 digibank Mileage Bonus digibank Mileage hanya dengan minimum total transaksi ritel Rp 750.000 dalam periode 2 bulan setelah kartu disetuju Bonus digibank Mileage: 2000 Overseas retail transaction / with foreign currency: Rp 8,000 Domestic retail transaction: Rp 10,000 Will earn 1 digibank Mileage Get bonus digibank Mileage with a minimum total retail transactions of Rp 750,000 in 2 months period, after card approval Bonus digibank Mileage: 2000
Terbang GRATIS Fly for FREE
Terbang GRATIS dengan 60 Maskapai Penerbangan 1 ANZ Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum penukaran mileage adalah 5.000 ANZ Mileage Fly for FREE with 60 Airlines 1 ANZ Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles
Terbang GRATIS dengan 60 Maskapai Penerbangan 1 digibank Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles Minimum penukaran mileage adalah 5.000 digibank Mileage Fly for FREE with 60 Airlines 1 digibank Mileage = 1 KrisFlyer / 1 Garuda Frequent Flyer Mileage / 1 Asia Miles
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Minimum mileage redemption is 5,000 ANZ Mileage
Minimum mileage redemption is 5,000 digibank Mileage
Bepergian GRATIS Travel for FREE
Bayar transaksi perjalanan dengan ANZ Mileage melalui Travel & Redeem: Menginap GRATIS di hotel pilihan customer Penerbangan GRATIS dengan maskapai penerbangan pilihan customer Transportasi GRATIS dengan perusahaan transportasi pilihan customer Paket perjalanan GRATIS dengan Travel Agent pilihan customer 2.500 ANZ mileage = Rp 100.000 Pay travel transaction using ANZ Mileage with Travel & Redeem: Free hotel accommodation from your preferred hotels Free airlines ticket from your preferred airlines Transportation services from your preferred transportation company Travel package from your preferred travel agent 2,500 ANZ mileage = Rp 100,000
Bayar transaksi perjalanan dengan digibank Mileage melalui Travel & Redeem: Menginap GRATIS di hotel pilihan customer Penerbangan GRATIS dengan maskapai penerbangan pilihan customer Transportasi GRATIS dengan perusahaan transportasi pilihan customer Paket perjalanan GRATIS dengan Travel Agent pilihan customer 2.500 digibank mileage = Rp 100.000
Pay travel transaction using digibank Mileage with Travel & Redeem: Free hotel accommodation from your preferred hotels Free airlines ticket from your preferred airlines Transportation services from your preferred transportation company Travel package from your preferred travel agent 2,500 digibank mileage = Rp 100,000
Nilai tukar mata uang asing paling rendah Most competitive foreign exchange rate
Selalu belanja di luar negeri/mata uang asing dgn ANZ Travel Card, krn nilai tukarnya yang paling rendah dibandingkan kartu ANZ lainnya Shop overseas/in foreign currency with ANZ Travel Card, for its most competitive exchange rate compared to other ANZ cards
Selalu belanja di luar negeri/mata uang asing dgn digibank Travel Card, krn nilai tukarnya yang paling rendah dibandingkan kartu digibank lainnya Shop overseas/in foreign currency with digibank Travel Card, for its most competitive exchange rate compared to other digibank cards
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Kartu ANZ VISA Platinum ANZ VISA Platinum Card
Kartu VISA Platinum Card VISA Platinum
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 700.000 Rp 700,000
Rp 700.000 Rp 700,000
Kartu Tambahan Supplementary Card
Rp 400.000 Rp 400,000
Rp 400.000 Rp 400,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 20.000.000 Rp 20,000,000
Rp 20.000.000 Rp 20,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 digibank Reward Point Rp 10,000 = 1 digibank Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 40.000.000 – Rp 300.000.000 Rp 40,000,000 – Rp 300,000,000
Rp 40.000.000 – Rp 300.000.000 Rp 40,000,000 – Rp 300,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 150.000
5% dari overlimit min. Rp 150.000
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5% from overlimit or min. Rp 150,000
5% from overlimit or min. Rp 150,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Bioskop Movie
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Starbucks Airport Treats Starbucks Airport Treats
Di semua Starbucks Bandara di Indonesia untuk pemegang kartu (1 orang) – Berlaku 1x per hari, Maksimum 4x/tahun dengan minimum pemakaian Rp 5 juta pada lembar tagihan terakhir. 1 Minuman In all Starbucks Airport stores in Indonesia for cardholder (1 person) – valid for 1x per day, maximum 4x/year with a minimum spending of Rp 5 million in the latest billing statement. Complimentary 1 Starbucks beverage
Di semua Starbucks Bandara di Indonesia untuk pemegang kartu (1 orang) – Berlaku 1x per hari, Maksimum 4x/tahun dengan minimum pemakaian Rp 5 juta pada lembar tagihan terakhir. 1 Minuman In all Starbucks Airport stores in Indonesia for cardholder (1 person) – valid for 1x per day, maximum 4x/year with a minimum spending of Rp 5 million in the latest billing statement. Complimentary 1 Starbucks beverage
Layanan cicilan Installment facility
Nikmati ANZ Installment 0% hingga 12 bulan di partner ternama di Indonesia ANZ Installment 0% up to 12 months at many renowned partners in Indonesia
Nikmati DBS Installment 0% hingga 12 bulan di partner ternama di Indonesia digibank Installment 0% up to 12 months at many renowned partners in Indonesia
Asuransi perjalanan Travel Insurance
Hingga Rp 1 milliar, setiap pembelian tiket pesawat dengan menggunakan Kartu Kredit ANZ Platinum Up to Rp 1 billion, for every flight ticket purchased with ANZ Platinum Credit Card
Hingga Rp 1 milliar, setiap pembelian tiket pesawat dengan menggunakan Kartu Kredit digibank Platinum Up to Rp 1 billion, for every flight ticket purchased with digibank Platinum Credit Card
Up to 30% Off Green Fees 1. Nikmati diskon hingga 30% untuk Green Fees di 30 golf club di South East Asia, weekdays.
1. Nikmati diskon hingga 30% untuk Green Fees di 30 golf club di South East Asia, weekdays.
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2. Komplimen Green Fee untuk pemegang kartu utama, setiap hari di lapangan golf terkemuka di Jakarta, Bogor dan Bali.
Berlaku hingga 31 Desember 2018. 1. Enjoy up tp 30% off of Green
Fees in 30 golf courses across South East Asia, on weekdays.
2. Enjoy complimentary Green Fee everyday for principal cardholder, at renowned golf courses in Jakarta, Bogor, and Bali.
Effective until 31 December 2018.
2. Komplimen Green Fee untuk pemegang kartu utama, setiap hari di lapangan golf terkemuka di Jakarta, Bogor dan Bali.
Berlaku hingga 31 Desember 2018. 1. Enjoy up tp 30% off of Green
Fees in 30 golf courses across South East Asia, on weekdays.
2. Enjoy complimentary Green Fee everyday for principal cardholder, at renowned golf courses in Jakarta, Bogor, and Bali.
Effective until 31 December 2018.
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Kartu ANZ Mastercard World ANZ Mastercard World Card
Kartu Mastercard World Mastercard World Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 700.000 Rp 700,000
Rp 700.000 Rp 700,000
Kartu Tambahan Supplementary Card
Rp 400.000 Rp 400,000
Rp 400.000 Rp 400,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 20.000.000 Rp 20,000,000
Rp 20.000.000 Rp 20,000,000
Asosiasi Association
Mastercard Mastercard
Mastercard Mastercard
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 digibank Reward Point Rp 10,000 = 1 digibank Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 40.000.000 – Rp 300.000.000 Rp 40,000,000 – Rp 300,000,000
Rp 40.000.000 – Rp 300.000.000 Rp 40,000,000 – Rp 300,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 150.000
5% dari overlimit min. Rp 150.000
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5% from overlimit or min. Rp 150,000
5% from overlimit or min. Rp 150,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Bioskop Movie
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Gratis 1 tiket nonton setiap hari Kamis (termasuk Hari Libur Nasional) untuk setiap pembelian 1 tiket di teater The Premiere XXI pilihan Free 1 movie ticket every Thursday (including Public Holiday) for every purchase of 1 movie ticket at selected The Premiere XXI theatre
Starbucks Airport Treats Starbucks Airport Treats
Di semua Starbucks Bandara di Indonesia untuk pemegang kartu (1 orang) – Berlaku 1x per hari, Maksimum 4x/tahun dengan minimum pemakaian Rp 5 juta pada lembar tagihan terakhir. 1 Minuman In all Starbucks Airport stores in Indonesia for cardholder (1 person) – valid for 1x per day, maximum 4x/year with a minimum spending of Rp 5 million in the latest billing statement. Complimentary 1 Starbucks beverage
Di semua Starbucks Bandara di Indonesia untuk pemegang kartu (1 orang) – Berlaku 1x per hari, Maksimum 4x/tahun dengan minimum pemakaian Rp 5 juta pada lembar tagihan terakhir. 1 Minuman In all Starbucks Airport stores in Indonesia for cardholder (1 person) – valid for 1x per day, maximum 4x/year with a minimum spending of Rp 5 million in the latest billing statement. Complimentary 1 Starbucks beverage
Layanan cicilan Installment facility
Nikmati ANZ Installment 0% hingga 12 bulan di partner ternama di Indonesia ANZ Installment 0% up to 12 months at many renowned partners in Indonesia
Nikmati digibank Installment 0% hingga 12 bulan di partner ternama di Indonesia digibank Installment 0% up to 12 months at many renowned partners in Indonesia
Asuransi perjalanan Travel Insurance
Hingga Rp 1 milliar, setiap pembelian tiket pesawat dengan menggunakan Kartu Kredit ANZ Mastercard World Up to Rp 1 billion, for every flight ticket purchased with ANZ Mastercard World Credit Card
Hingga Rp 1 milliar, setiap pembelian tiket pesawat dengan menggunakan Kartu Kredit Mastercard World Up to Rp 1 billion, for every flight ticket purchased with Mastercard World Credit Card
Hemat 50% walk-in Green Fee Up to 50% Off of walk-in Green Fees
Keistimewaan untuk bebas bermain golf kapanpun:
- Berlaku di 16 lapangan golf terpilih (bintang 5 dan
Keistimewaan untuk bebas bermain golf kapanpun:
- Berlaku di 16 lapangan golf terpilih (bintang 5 dan
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6) di 6 negara (Indonesia, Singapura, Malaysia, Vietnam, Thailand, Filipina)
- Tanpa persyaratan pemegang kartu harus membayar
- Berlaku weekday dan weekend
- Maksimum 1 booking/bulan, 4 booking/tahun
Berlaku hingga 15 Juni 2018. The privilege to play golf at anytime: - In selected 16 golf courses (5
and 6 stars) in 6 countries (Indonesia, Singapore, Malaysia, Vietnam, Thailand, the Phillipines).
- There is no paying guest requirement.
- Valid in weekday and weekend.
- Maximum 1 booking/month, 4 booking/year.
Effective until 15 June 2018.
6) di 6 negara (Indonesia, Singapura, Malaysia, Vietnam, Thailand, Filipina)
- Tanpa persyaratan pemegang kartu harus membayar
- Berlaku weekday dan weekend
- Maksimum 1 booking/bulan, 4 booking/tahun
Berlaku hingga 15 Juni 2018. The privilege to play golf at anytime: - In selected 16 golf courses (5
and 6 stars) in 6 countries (Indonesia, Singapore, Malaysia, Vietnam, Thailand, the Phillipines).
- There is no paying guest requirement.
- Valid in weekday and weekend.
- Maximum 1 booking/month, 4 booking/year.
Effective until 15 June 2018.
Keistimewaan Mastercard Mastercard Privileges
1. The Mastercard Moments Luxurious Lifestyle Partners
2. Mastercard Global Service 3. Concierge Service 1. The Mastercard Moments
Luxurious Lifestyle Partners 2. Mastercard Global Service 3. Concierge Service
1. The Mastercard Moments Luxurious Lifestyle Partners
2. Mastercard Global Service 3. Concierge Service 1. The Mastercard Moments
Luxurious Lifestyle Partners 2. Mastercard Global Service 3. Concierge Service
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Kartu ANZ VISA Femme Platinum ANZ VISA Femme Platinum Card
Kartu VISA Femme Platinum VISA Femme Platinum Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 600.000 Rp 600,000
Rp 600.000 Rp 600,000
Kartu Tambahan Supplementary Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 10.000.000 Rp 10,000,000
Rp 10.000.000 Rp 10,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 20.000.000 – Rp 300.000.000 Rp 20,000,000 – Rp 300,000,000
Rp 20.000.000 – Rp 300.000.000 Rp 20,000,000 – Rp 300,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 150.000 5% from overlimit or min. Rp 150,000
5% dari overlimit min. Rp 150.000 5% from overlimit or min. Rp 150,000
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Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
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MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
3X Reward Points 3x Reward Points
Setiap transaksi Rp 10.000 di SEMUA Department Store, Spa, Salon & Fitness Center di seluruh dunia akan mendapatkan 3 reward point. Earn 3 reward points for every Rp 10,000 transaction in ALL department stores, spas, salon & fitness centers around the world.
Setiap transaksi Rp 10.000 di SEMUA Department Store, Spa, Salon & Fitness Center di seluruh dunia akan mendapatkan 3 reward point. Earn 3 reward points for every Rp 10,000 transaction in ALL department stores, spas, salon & fitness centers around the world.
School Fee Transfer & Cicilan Biaya Pendidikan 0% 3 bulan Scholl Fee Transfer and Education Installment 0% 3 months
Nikmati fasilitas transfer biaya sekolah dan cicilan 3 bulan 0% untuk biaya pendidikan dan kursus di semua institusi formal maupun non-formal di seluruh dunia. Enjoy school fee transfer and 0% installment in 3 months facility for tuition and courses fees at all formal and non-formal institutions anywhere in the world.
Nikmati fasilitas transfer biaya sekolah dan cicilan 3 bulan 0% untuk biaya pendidikan dan kursus di semua institusi formal maupun non-formal di seluruh dunia. Enjoy school fee transfer and 0% installment in 3 months facility for tuition and courses fees at all formal and non-formal institutions anywhere in the world.
Double Voucher Double Voucher
Setiap penukaran reward point ke voucher belanja, salon & spa terpilih, akan mendapatkan 2 voucher (dibandingkan dengan kartu ANZ lainnya) Get 2 vouchers (compared to other ANZ cards) for every reward points redemption for selected shopping, salon & spa vouchers
Setiap penukaran reward point ke voucher belanja, salon & spa terpilih, akan mendapatkan 2 voucher (dibandingkan dengan kartu digibank lainnya) Get 2 vouchers (compared to other digibank cards) for every reward points redemption for selected shopping, salon & spa vouchers
Layanan cicilan Installment facility
ANZ Installment 0% hingga 12 bulan di beragam Butik-butik ternama di Indonesia ANZ Installment 0% for up to 12 months at various renowned boutiques in Indonesia
digibank Installment 0% hingga 12 bulan di beragam Butik-butik ternama di Indonesia digibank Installment 0% for up to 12 months at various renowned boutiques in Indonesia
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Kartu ANZ VISA Femme ANZ VISA Femme Card
Kartu VISA Femme ANZ VISA Femme Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Kartu Tambahan Supplementary Card
Rp 150.000 Rp 150,000
Rp 150.000 Rp 150,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 3.000.000 Rp 3,000,000
Rp 3.000.000 Rp 3,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 digibank Reward Point Rp 10,000 = 1 digibank Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 2.000.000 – Rp 20.000.000 Rp 2,000,000 – Rp 20,000,000
Rp 2.000.000 – Rp 20.000.000 Rp 2,000,000 – Rp 20,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 125.000
5% dari overlimit min. Rp 125.000
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5% from overlimit or min. Rp 125,000
5% from overlimit or min. Rp 125,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
42
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
School Fee Transfer & Cicilan Biaya Pendidikan 0% 3 bulan Scholl Fee Transfer and Education Installment 0% 3 months
Nikmati fasilitas transfer biaya sekolah dan cicilan 3 bulan 0% untuk biaya pendidikan dan kursus di semua institusi formal maupun non-formal di seluruh dunia. Enjoy school fee transfer and 0% installment in 3 months facility for tuition and courses fees at all formal and non-formal institutions anywhere in the world.
Nikmati fasilitas transfer biaya sekolah dan cicilan 3 bulan 0% untuk biaya pendidikan dan kursus di semua institusi formal maupun non-formal di seluruh dunia. Enjoy school fee transfer and 0% installment in 3 months facility for tuition and courses fees at all formal and non-formal institutions anywhere in the world.
Double Voucher Double Voucher
Setiap penukaran reward point ke voucher belanja, salon & spa terpilih, akan mendapatkan 2 voucher (dibandingkan dengan kartu ANZ lainnya) Get 2 vouchers (compared to other ANZ cards) for every reward points redemption for selected shopping, salon & spa vouchers
Setiap penukaran reward point ke voucher belanja, salon & spa terpilih, akan mendapatkan 2 voucher (dibandingkan dengan kartu digibank lainnya) Get 2 vouchers (compared to other digibank cards) for every reward points redemption for selected shopping, salon & spa vouchers
Layanan cicilan Installment facility
ANZ Installment 0% hingga 12 bulan di beragam Butik-butik ternama di Indonesia ANZ Installment 0% for up to 12 months at various renowned boutiques in Indonesia
digibank Installment 0% hingga 12 bulan di beragam Butik-butik ternama di Indonesia digibank Installment 0% for up to 12 months at various renowned boutiques in Indonesia
43
Kartu ANZ VISA Gold ANZ VISA Gold Card
Kartu digibank Live Fresh VISA digibank Live Fresh VISA Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Kartu Tambahan Supplementary Card
Rp 150.000 Rp 150,000
Rp 150.000 Rp 150,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 4.000.000 Rp 4,000,000
Rp 4.000.000 Rp 4,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
5% 5%
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 3.000.000 – Rp 40.000.000 Rp 3,000,000 – Rp 40,000,000
Rp 3.000.000 – Rp 40.000.000 Rp 3,000,000 – Rp 40,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 125.000
5% dari overlimit min. Rp 125.000
44
5% from overlimit or min. Rp 125,000
5% from overlimit or min. Rp 125,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
45
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Cash Back Cash Back
Dapatkan Cash Back 5% untuk semua pembelanjaan online Anda menggunakan digibank Live Fresh Visa:
- Maksimum cash back Rp 300.000 setiap bulan
- Minimum 5 kali transaksi ritel non-online dalam periode cash back
Get 5% Cash Back for all your online shopping with digibank Live Fresh Visa:
- Maximum Rp 300,000 cash back every month
- Minimum 5X non-online retail transactions in the cash back period
Penukaran Daring Online Redemption
1.600 digibank Reward Points = Rp 100.000 1,600 digibank Reward Points = Rp 100,000
Penawaran Daring Online Offers
Nikmati penawaran istimewa di beberapa partner online favorit Anda sepanjang tahun Enjoy special offers from your favorite online partners all year long
Nikmati penawaran istimewa di beberapa partner online favorit Anda sepanjang tahun Enjoy special offers from your favorite online partners all year long
46
Kartu ANZ Mastercard Titanium ANZ Mastercard Titanium Card
Kartu Mastercard Titanium Mastercard Titanium Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Kartu Tambahan Supplementary Card
Rp 150.000 Rp 150,000
Rp 150.000 Rp 150,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 3.000.000 Rp 3,000,000
Rp 3.000.000 Rp 3,000,000
Asosiasi Association
Mastercard Mastercard
Mastercard Mastercard
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
5% 5%
5% 5%
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 3.000.000 – Rp 40.000.000 Rp 3,000,000 – Rp 40,000,000
Rp 3.000.000 – Rp 40.000.000 Rp 3,000,000 – Rp 40,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
47
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
48
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Cash Back Cash Back
Dapatkan Cash Back 5% untuk semua pembelanjaan online Anda menggunakan ANZ Mastercard Titanium:
- Maksimum cash back Rp 300.000 setiap bulan
- Minimum 5 kali transaksi ritel non-online dalam periode cash back
Get 5% Cash Back for all your online shopping with ANZ Mastercard Titanium:
- Maximum Rp 300,000 cash back every month
- Minimum 5X non-online retail transactions in the cash back period
Dapatkan Cash Back 5% untuk semua pembelanjaan online Anda menggunakan Mastercard Titanium:
- Maksimum cash back Rp 300.000 setiap bulan
- Minimum 5 kali transaksi ritel non-online dalam periode cash back
Get 5% Cash Back for all your online shopping with Mastercard Titanium:
- Maximum Rp 300,000 cash back every month
- Minimum 5X non-online retail transactions in the cash back period
Penukaran Daring Online Redemption
1.600 ANZ Reward Points = Rp 100.000 1,600 ANZ Reward Points = Rp 100,000
1.600 digibank Reward Points = Rp 100.000 1,600 digibank Reward Points = Rp 100,000
Penawaran Daring Online Offers
Nikmati penawaran istimewa di beberapa partner online favorit Anda sepanjang tahun Enjoy special offers from your favorite online partners all year long
Nikmati penawaran istimewa di beberapa partner online favorit Anda sepanjang tahun Enjoy special offers from your favorite online partners all year long
49
Kartu ANZ VISA Classic ANZ VISA Classic Card
Kartu VISA Classic Classic VISA Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Kartu Tambahan Supplementary Card
Rp 150.000 Rp 150,000
Rp 150.000 Rp 150,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 3.000.000 Rp 3,000,000
Rp 3.000.000 Rp 3,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 2.000.000 – Rp 8.000.000 Rp 2,000,000 – Rp 8,000,000
Rp 2.000.000 – Rp 8.000.000 Rp 2,000,000 – Rp 8,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
50
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
51
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Reward Points Reward Points
Dapatkan 1 ANZ Reward Point untuk setiap pembelanjaan ritel kelipatan Rp 10.000 Get 1 ANZ Reward Point for every Rp 10,000 retail transaction
Dapatkan 1 digibank Reward Point untuk setiap pembelanjaan ritel kelipatan Rp 10.000 Get 1 digibank Reward Point for every Rp 10,000 retail transaction
52
Kartu ANZ VISA Kartu Cicilan ANZ VISA Kartu Cicilan Card
Kartu VISA Kartu Cicilan VISA Kartu Cicilan Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 250.000 Rp 250,000
Rp 250.000 Rp 250,000
Kartu Tambahan Supplementary Card
Rp 150.000 Rp 150,000
Rp 150.000 Rp 150,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Rp 3.000.000 Rp 3,000,000
Rp 3.000.000 Rp 3,000,000
Asosiasi Association
Visa Visa
Visa Visa
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Tidak No
Tidak No
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
N/A N/A
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 2.000.000 – Rp 40.000.000 Rp 2,000,000 – Rp 40,000,000
Rp 2.000.000 – Rp 40.000.000 Rp 2,000,000 – Rp 40,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
5% dari overlimit min. Rp 125.000 5% from overlimit or min. Rp 125,000
53
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
6% dari penarikan uang tunai atau min Rp 75.000 6% from cash withdrawal or min. Rp 75,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
54
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Layanan cicilan Installment facility
Nikmati ANZ Installment 0% 3 bulan dengan minimum transaksi Rp 300.000 Enjoy ANZ Installment 0% for 3 months with Rp 300,000 minimum transaction
Nikmati digibank Installment 0% 3 bulan di partner ternama di Indonesia dengan minimum transaksi Rp 300.000 Enjoy digibank Installment 0% for 3 motnhs with Rp 300,000 minimum transaction
55
Kartu ANZ Mastercard iPay ANZ Mastercard iPay Card
Kartu Mastercard iPay Mastercard iPay Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
GRATIS FREE
GRATIS FREE
Kartu Tambahan Supplementary Card
GRATIS FREE
GRATIS FREE
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
N/A N/A
N/A N/A
Syarat penghasilan Minimum income requirement
Asosiasi Association
Mastercard Mastercard
Mastercard Mastercard
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Tidak No
Tidak No
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
N/A N/A
N/A N/A
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 2.000.000 – Rp 200.000.000 Rp 2,000,000 – Rp 200,000,000
Rp 2.000.000 – Rp 200.000.000 Rp 2,000,000 – Rp 200,000,000
Biaya Over Limit Over Limit Fee
N/A N/A
N/A N/A
Biaya penarikan uang tunai
6% dari penarikan uang tunai atau min Rp 50,000
6% dari penarikan uang tunai atau min Rp 50,000
56
Cash withdrawal fee 6% from cash withdrawal or min. Rp 50,000
6% from cash withdrawal or min. Rp 50,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150,000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150,000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
57
MANFAAT GAYA HIDUP / LIFESTYLE PRIVILEGES
Layanan cicilan Installment facility
Cicilan 12 bulan bunga 1,67% melalui Internet Banking & Mobile Banking dengan minimum transaksi Rp 300,000 12 months installment at 1.67% via Internet Banking & Mobile Banking with Rp 300,000 minimum transaction
Cicilan 12 bulan bunga 1,67% melalui Internet Banking & Mobile Banking dengan minimum transaksi Rp 300,000 12 months installment at 1.67% via Internet Banking & Mobile Banking with Rp 300,000 minimum transaction
58
Kartu ANZ Mastercard iTravel ANZ Mastercard iTravel Card
Kartu Mastercard iTravel Mastercard iTravel Card
Iuran tahunan Annual Fee
Kartu Utama Principal Card
Rp 600.000 Rp 600,000
Rp 600.000 Rp 600,000
Kartu Tambahan Supplementary Card
Rp 300.000 Rp 300,000
Rp 300.000 Rp 300,000
Iuran pengesampingan tahunan Annual fee waiver
Utama/Tambahan Principal/Supplementary
1 tahun 1 year
1 tahun 1 year
Syarat penghasilan Minimum income requirement
Asosiasi Association
Mastercard Mastercard
Mastercard Mastercard
Nirkontak Contactless
Tidak No
Ya Yes
Rewards (Pilih) Reward (Choose)
Poin Point
Ya Yes
Ya Yes
Cash Back Cash Back
Tidak No
Tidak No
Nilai pendapatan Rewards/Denominasi Reward earnings/denomination
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Rp 10.000 = 1 ANZ Reward Point Rp 10,000 = 1 ANZ Reward Point
Nilai bunga yang beredar Value of outstanding interest
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Nilai bunga yang beredar: 26.95% p.a. Value of outstanding interest: 26.95%
Batas Kredit Credit Limit
Rp 15.000.000 – Rp 200.000.000 Rp 15,000,000 – Rp 200,000,000
Rp 15.000.000 – Rp 200.000.000 Rp 15,000,000 – Rp 200,000,000
Biaya Over Limit Over Limit Fee
5% dari overlimit min. Rp 150.000
5% dari overlimit min. Rp 150.000
59
5% from overlimit or min. Rp 150,000
5% from overlimit or min. Rp 150,000
Biaya penarikan uang tunai Cash withdrawal fee
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
6% dari penarikan uang tunai atau min Rp 100.000 6% from cash withdrawal or min. Rp 100,000
Biaya keterlambatan pembayaran Late payment fee
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
3% dari total tagihan atau maks Rp 150.000 3% from total amount due or max. Rp 150,000
Biaya penggantian kartu Card replacement fee
Rp 50.000 Rp 50,000
Rp 50.000 Rp 50,000
Biaya cicilan Installment fee
Lewat Call Centre Via Call Centre
Rp 10,000 Rp 10,000
Rp 10,000 Rp 10,000
Lewat Internet Banking Via Internet Banking
Rp 5.000 Rp 5,000
Rp 5.000 Rp 5,000
Biaya pembatalan cicilan Installment cancelation fee
Rp 200.000 Rp 200,000
Rp 200.000 Rp 200,000
Biaya Cetak Tagihan Kartu Kredit Bulanan Billing statement printing fee
Rp 15.000/bulan Rp 15,000/month
Rp 15.000/bulan Rp 15,000/month
Salinan Copy
Rekening Bulanan Monthly Statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Rp 10.000/bulan tagihan Rp 10,000/monthly statement
Bukti Transaksi (sales slip) Transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
Rp 30.000/sales slip Rp 30,000/transaction slip
60
Siklus Penagihan
Billing Cycle Akun yang dimigrasikan akan mengikuti siklus penagihan yang ditetapkan di DBS dan mungkin berbeda dengan siklus penagihan ANZ. Kartu ANZ: 25 siklus penagihan dalam satu bulan Kartu digibank: 25 siklus penagihan dalam satu bulan Migrated account will follow a billing cycle as set by DBS and might be different with ANZ’s billilng cycle. ANZ Card: 25 billing cycles in one month Digibank Card: 25 billing cycles in one month
Hirarki Pembayaran Payment Hierarchy
ANZ DBS Hirarki pembayaran kartu Card payment hierarchy
1. Pembayaran minimum adalah 10% Minimum payment is 10%
2. Hirarki Pembayaran Payment hierarchy
a. Biaya & Beban Fees & Charges
b. Pembayaran yang tersisa Outstanding payment
c. 60% Utama 60% of Principal
d. 40% Bunga 40% of Interest
Contoh: Example:
• Tagihan • Biaya Keterlambatan 100k • Beban 50k • Bunga 350k • Pokok 1,000k
• Pembayaran Nasabah
• 1,000k
• Hirarki Pembayaran
• Biaya & Beban 150k • Pembayaran ke O/S 850k
a. Pokok = 60% x 850k = 510k b. Bunga = 40% x 850k = 340k
1. Pembayaran minimum adalah 10% Minimum payment is 10%
2. Hirarki Pembayaran Payment hierarchy
a. Biaya & Beban Fees & Charges
b. Pembayaran yang tersisa Outstanding payment
c. 60% Utama 60% of Principal
d. 40% Bunga 40% of Interest
Contoh: Example:
• Tagihan • Biaya Keterlambatan 100k • Beban 50k • Bunga 350k • Pokok 1,000k
• Pembayaran Nasabah
• 1,000k
• Hirarki Pembayaran
• Biaya & Beban 150k • Pembayaran ke O/S 850k
c. Pokok = 60% x 850k = 510k d. Bunga = 40% x 850k = 340k
E. Payment Hierarchy PBI No.14/2/PBI/2012
SEBI No. 14/17/DASP
• Min. Payment 10%
• Payment Hierarchy1. Fee & Charges
2. Left Payment
a. 60% Principal
b. 40% Interest
EXAMPLE:
• Billing
Statement
• Late Fee 100k
• Charges 50k
• Interest 350k
• Principal 1,000k
• Customer Pay • 1,000K
• Payment
Hierarchy
• Fees & Charges 150k
• Payment to O/S 850k
a. Principal = 60% x 850k = 510k
b. Interest = 40% x 850k = 340k
E. Payment Hierarchy PBI No.14/2/PBI/2012
SEBI No. 14/17/DASP
• Min. Payment 10%
• Payment Hierarchy1. Fee & Charges
2. Left Payment
a. 60% Principal
b. 40% Interest
EXAMPLE:
• Billing
Statement
• Late Fee 100k
• Charges 50k
• Interest 350k
• Principal 1,000k
• Customer Pay • 1,000K
• Payment
Hierarchy
• Fees & Charges 150k
• Payment to O/S 850k
a. Principal = 60% x 850k = 510k
b. Interest = 40% x 850k = 340k
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