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BNI Kartu Tunai


  • Info
  • Tariff
  • A Revolving Loan facility in the form of special card as a media for stand by loan for all of your needs.
  • Loan/cash can be withdraw at BNI ATM or BNI Branch Office*, while installment payment can be made immediately at any BNI ATM or Branch Office*.

Advantages :

  • Cash withdrawal can be made at any time and used in accordance with the available limit.
  • Affordable interest rate, no administration fee for the first year and no administration fee for the following year(s) if there were withdrawal transaction or usage in the previous year.
  • Facility for payment in fixed installments for 3, 6, 12, 24 or 36 months. The cash withdrawal transaction can be immediately converted into fixed installment payment via any BNI ATM from the Other Menu and then BNI Kartu Tunai Installment Menu, or via the Bank Teller at BNI Branch Office*. To convert a regular transaction into fixed installment, please contact 24-Hour BNI Call at 1500046.
  • Flexibility in payment amount option (minimum payment of 10% of monthly bill, or min. IDR 50.000, plus any fixed payment amount or minimum payment in arrears).
  • Convenient payment methods.
  • Convenient e-billing facility for monthly Billing Statement via personal e-mail.

* Certain branches only

Calculation of BNI Kartu Tunai Revolving Loan

Illustration of Revolving Loan Scheme using BNI Kartu Tunai

Illustrasi Kartu Tunai

The limit on your BNI Kartu Tunai account will be restored following any payment, in accordance with the amount of payment you made. You can then conduct a cash withdrawal transaction up to the available limit on your BNI Kartu Tunai.

Document Requirements

Required Documents Employee/ Civil Servant / Army / Police Profe-ssionals Entrepreneurs Cardholders
Application Form x x x x
Photocopy of Personal ID/Passport x x x x
Proof of Income (Salary slip, SPT or other proof of income) or copy of credit card or bank account statements for the last 3-month period x x x x
Business legal documents (SIUP, TDP, SIUJK) x
Professional Licence x
The number of credit card and "member since" info x
Taxpayer Identification Number (NPWP) x x x x

Information on Interest and Fees

Description Gold Platinum
Administration Fee* IDR 100.000 IDR 100.000
Cash Advance Interest 2,95% effective/month, equivalent to 35,4% effective/ year 2,75% effective/month, equivalent to 33% effective/year
Fixed Installment Interest
  • 3 months Installment
 1,35%/month 1,25%/month
  • 6 months Installment
 1,35%/month 1,25%/month
  • 12 months Installment
 1,25%/month 1,15%/month
  • 24 months Installment
 1,25%/month 1,15%/month
  • 36 months Installment
 1,25%/month 1,15%/month
Overlimit Fee** 5% from overlimit amount (min. IDR 40.000 & max. IDR 100.000)
Cash Advance Fee via BNI ATM Free
Cash Advance Fee via Teller at BNI Branch IDR 25.000 when the disbursement of funds under IDR 5.000.000
Copy of Billing Statement IDR 30.000 /bill (via mailing) IDR 5.000/bill (via fax) Free for e-billing participants (via e-mail)
Minimum Payment 10% of Monthly Bill, or minimum IDR 50.000, plus any fixed installment and/or minimum payment in arrears
Late Fee 5% of the minimum payment period of the previous until the date of printing reports next month's bill (minimum IDR 50.000 and a maximum of IDR 150.000)
Cancelation Fee of BNI Installment (including if there are arrears for two consecutive billing periods) IDR 200.000
Insurance Premium (required) *** 0,60% of the Total Bill
Supplementary Card There is no supplementary card facility
* No administration fee for the first year and no administration fee for the following year(s) if there were withdrawal transaction or usage in the previous year.
** Over limit due to interest, fees or penalties.
*** BNI Kartu Tunai Cardholder is required to participate in Perisai Plus Insurance program to protect the outstanding BNI Kartu Tunai bill in the event of cardholder’s death, temporary disability and permanent disability due to illness/accident and additional benefit of protection against 40 critical illness.

Installment Simulation

BNI Kartu Tunai Gold

Loan Amount Interest (Flat / month) Tenor Interest (Flat / month) Tenor
3 months 6 months 12 months 24 months 36 months
10,000,000 1,35% 3,468,333 1,801,667 1,25% 958,333 541,667 402,778
20,000,000 6,936,667 3,603,333 1,916,667 1,083,333 805,556
30,000,000 10,405,000 5,405,000 2,875,000 1,625,000 1,208,333

BNI Kartu Tunai Platinum

Loan Amount Interest (Flat / month) Tenor Interest (Flat / month) Tenor
3 months 6 months 12 months 24 months 36 months
10,000,000 1,25% 3,458,333 1,791,667 1,15% 948,333 531,667 392,778
20,000,000 6,916,667 3,583,333 1,896,667 1,063,333 785,556
30,000,000 10,375,000 5,375,000 2,845,000 1,595,000 1,178,333
40,000,000 13,833,333 7,166,667 3,793,333 2,126,667 1,571,111
50,000,000 17,291,667 8,958,333 4,741,667 2,658,333 1,963,889
60,000,000 20,750,000 10,750,000 5,690,000 3,190,000 2,356,667
70,000,000 24,208,333 12,541,667 6,638,333 3,721,667 2,749,444
80,000,000 27,666,667 14,333,333 7,586,667 4,253,333 3,142,222
90,000,000 31,125,000 16,125,000 8,535,000 4,785,000 3,535,000
100,000,000 34,583,333 17,916,667 9,483,333 5,316,667 3,927,778