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Ringkasan Informasi Produk & Layanan Kartu Kredit BNI

Garuda BNI Credit Card


Garuda BNI Credit Card is a card resulting from a co-branding collaboration between BNI and PT Garuda Indonesia (Persero), Tbk which is presented in two Credit Card variants, namely Garuda BNI VISA Platinum and Garuda BNI VISA Signature. Both products are Credit Cards that use the VISA Worldwide network intended for GarudaMiles members and the public who use Garuda Indonesia flight services.


 
Kartu Kredit Garuda BNI
Kartu Kredit Garuda BNI
 

Special Offers from BNI and Garuda Indonesia

  1. Double Miles

    2. Double miles for every transaction you make using the Garuda BNI Credit Card.

    Benefit Platinum Signature
    Double Miles Rp 30.000 = 2 miles* Rp 20.000 = 2 miles*
    • Effective April 24, 2025, miles from your Garuda BNI Credit Card transactions will be transferred to your GarudaMiles account on your main card after the transaction has been completed and has accumulated at least 2,500 miles.
    • The process of transferring miles from transactions using the Garuda BNI Credit Card to your GarudaMiles account will be carried out at the end of each month.
    • Miles earned using your Garuda BNI Credit Card will automatically expire every 3 (three) months if they do not reach 250 miles.
    • Effective January 1, 2025, transactions that do not earn GarudaMiles are transactions at merchants in the Cash Fund category, Bill Payment (such as routine monthly payments for electricity, water, telephone, postpaid cellphone, internet, pay TV, insurance, etc.), Community Agency, Utilities, transactions via QRIS, and Cash Withdrawals.

  2. Garuda Miles Bonus

    3. Enjoy the Enrollment Bonus (Welcome Bonus) from the Garuda BNI Credit Card. The Enrollment Bonus is a miles bonus that you will get if your Garuda BNI Credit Card application is approved. The following are the Enrollment Bonus benefits that you will get for each type of card :

    Benefit Platinum Signature
    Bonus Enrollment 200 miles 200 miles

  3. Extra Baggage 20 Kg***

    4. Enjoy additional Prepaid Baggage of 20 kg for BNI Garuda Signature Card holders. Shop for more souvenirs from your destination city with BNI Garuda Cobrand Credit Card without worry.

    The mechanism of the cooperation program is as follows :

    1. The mechanism for BNI–Garuda Indonesia Signature Co Brand Credit Card holders to get prepaid baggage is as follows :
      • Customers contact GarudaMiles WhatsApp Customer Service at 0811 2807 807 (select GarudaMiles service, then select Assistance), no later than 48 hours before departure with the format :
      • Prepaid BNI Signature.
      • Name :
      • GarudaMiles's Nubmer:
      • Booking Code/Ticket’s Number :
      • Email :
    2. GarudaMiles Customer Service will issue a prepaid payment voucher (EMD) of 20 kg and then send the EMD to the Customer's email within 1 x 24 hours.
    3. If there is excess baggage of more than 20 kg, the Customer must pay the remaining excess baggage according to the applicable extra baggage price when checking in at the airport.
    4. Customers are required to show the BNI–Garuda Indonesia Signature Co Brand Credit Card and EMD voucher when checking in at the premium check in.
    5. BNI Cobrand Garuda Indonesia Signature prepaid baggage provisions :
      • Valid only on GA prime flights, not valid for codeshare flights with partner airlines.
      • Cannot be rescheduled or refunded.
      • Only valid for primary cardholders.
      • EMD is only issued via GarudaMiles CS.
    6. Excess baggage and unused Garuda Priority Service cannot be refunded/exchanged.
    7. Prepaid baggage benefits for BNI Signature cardholders cannot be combined with regular prepaid baggage programs or other baggage promo programs. If the Customer already has a regular prepaid baggage EMD, the EMD cannot be refunded if not used.

  4. Garuda Priority Service

    5. Enjoy Garuda Priority Service at selected airports when using Garuda Indonesia flights for BNI Garuda Signature Credit Cardholders.

    1. The mechanism for BNI–Garuda Indonesia Signature Co Brand Credit Cardholders to get Garuda Priority Service is as follows :
      • Customers contact GarudaMiles WhatsApp Customer Service at 0811 2807 807 (select the GarudaMiles service, then select Assistance), no later than 24 hours before departure with the format :
      • GPS BNI Signature.
      • Name :
      • GarudaMiles’s Number :
      • Booking Code/Ticket’s Number :
      • Email :
    2. GarudaMiles Customer Service will issue a Garuda Priority Service payment voucher (EMD) and then send the EMD to the Customer's email within 1 x 24 hours.
    3. Customers are required to show their BNI–Garuda Indonesia Signature Co-Brand Credit Card and EMD voucher when checking in at premium check-in.
    4. Terms and Conditions for Garuda Priority Service BNI Cobrand Garuda Indonesia Signature :
      • If GPS is not used, it cannot be returned or cashed.
      • Only valid for primary cardholders.
      • EMD is only issued via GarudaMiles CS.
      • GPS service is only valid for departures from Soekarno-Hatta International Airport (CGK).
    5. GPS services obtained by Customers :
      • Premium check in.
      • Priority baggage tag.
      • Priority security line (SCP II).
      • Priority boarding.

  5. Fast Track Upgrade***

    6. Enjoy the benefit of fast track upgrade to GarudaMiles Gold with only using Garuda BNI Credit Card on IDR 8 million spend every month for the 5 (five) consecutive first months after card approval. The fast track benefit only eligible for GarudaMiles member with Blue and Silver tier status.

  6. 10% Discount on Ticket Redemption

    7. Enjoy up to 10% discount for award mileage redemption to your flight tickets anytime. The redemption tickets can only be done at Garuda Indonesia Sales Office.

  7. Travel Insurance Protection

    8. Travel Insurance for accident protection insurance guarantee with compensation up to a maximum of IDR 3 billion for Garuda BNI Visa Signature Credit Card holders and IDR 1 billion for Garuda BNI Visa Platinum Credit Card holders. Further information related to insurance can be seen at the following link : https://www.bni.co.id/creditcard/en-us/servicesfacilities/facilities/bniperisaiplusperlindunganbebaspremi.

  8. Priority Pass Free Membership

    9. You can enjoy the free annual membership of priority pass and get the access for more than 600 Lounge Airport in the worldwide. The benefit is eligible for the Kredit Garuda BNI Visa Signature credit card.***

    *** You will be charge Rp 250.000,-/pax/visit to your credit card on Airport Lounge visit.

Tactical Program

BNI Wonderful Wednesday

Your comfortable trip is even more economical with the BNI Garuda Credit Card promo!

  • Discount up to IDR 500,000.00 with BNI Garuda Credit Card.
  • Valid every Wednesday, from January 1 to June 25, 2025.
  • Installments up to 12 months.
  • Discount up to 50% with BNI Rewards Points.

Terms and Conditions :

Discount up to IDR 500,000.00 with the following details :

Minimum Transaction Discount Card Types Quota/Day
IDR 3,500,000.00 Rp 200,000.00 Debit Platinum and Debit Co-Brand BNI Garuda 10
IDR 6,000,000.00 IDR 500,000.00 Debit Co-Brand BNI Garuda 5
IDR 6,000,000.00 Rp 500,000.00 Debit BNI Emerald and BNI Private 5
Rp 4,000,000.00 Rp 200,000.00 Kartu Kredit Signature, World, Ultimate, Infinite 10
Rp 6,000,000.00 Rp 500,000.00 Kartu Kredit Co-Brand BNI Garuda Platinum and Kartu Kredit Co-Brand BNI Garuda Signature 5
  • Travel period : January 1, 2025 to December 31, 2025.
  • Valid for purchasing Garuda Indonesia domestic and international route tickets.
  • Promo valid from 00.30-23.30 WIB.
  • Valid for 1 transaction per card per day.
  • Promo code : BNIWOW.
  • Not valid for multiples.
  • Cannot be combined with other promos.
  • Discounts only apply to payments using Rupiah (IDR).
  • Discounts are processed at the payment stage where the system will immediately deduct the transaction value.
  • 0% installment for 3 months, and 0.6% for 6 and 12 months with a minimum transaction of IDR 500,000.00.
  • Up to 50% discount by exchanging BNI Rewards Points without a minimum transaction with all types of BNI Credit Cards excluding BNI Garuda Co-brand Credit Cards, BNI MAPClub Co-brand Credit Cards, Corporate Cards and BSI Hasanah Cards.
  • This program applies to ticket purchases via the Website (www.garuda-indonesia.com) or FlyGaruda.
  • Valid for : Platinum Debit Card, BNI Garuda Co-brand Debit, BNI Emerald Debit and BNI Private except Silver, Gold, GPN Debit, other Airline Co-Brand and Syariah Debit Card.
  • Valid for BNI Signature, World, Ultimate and Infinite Credit Card, BNI Garuda Platinum Co-brand Credit Card, BNI Garuda Signature Co-brand Credit Card except Silver, Gold, Titanium, Platinum, Precious, BNI Co-brand Credit Card with other Airline, Corporate Card and BSI Hasanah Card.
  • For more information contact BNI Call 1500046.

Persyaratan

  1. Persyaratan Umum

    2. Persyaratan Keterangan
    Penghasilan minimum setahun* Rp 84 juta (Platinum) dan Rp 120 juta (Signature)
    Usia minimum pemegang kartu utama 21 tahun
    Usia minimum pemegang kartu tambahan 17 tahun
    Usia maksimum** 65 tahun
    * Bank berhak menyetujui/menolak jenis kartu yang dipilih/diinginkan oleh pemohon Kartu Kredit BNI berdasarkan informasi penghasilan pemohon.
    ** Berlaku untuk pemegang kartu utama maupun kartu tambahan.

  2. Persyaratan Dokumen

    3. Dokumen yang diperlukan Karyawan/TNI/Polisi Dokter/Profesional lainnya Pengusaha Pemegang Kartu Kredit Bank Lain
    Fotokopi KTP/Paspor x x x x
    Bukti penghasilan* x x x x
    NPWP* x x x x
    Fotokopi Akte Pendirian/SIUP/TDP x
    Surat Ijin Profesi x
    Nomor Kartu Kredit Bank Lain dan Info "Member Since" x
    * Slip gaji atau surat keterangan penghasilan atau surat bukti setoran pajak tahunan (SPT), fotokopi NPWP wajib dilampirkan.