Jakarta –
Black card is a type of credit card. Usually this card is owned by those with deep pockets or you could say the sultan. Not just anyone can have a Black Card.
Because, to have this card requires a very high annual fee, has very high spending requirements and this card is not marketed to consumers in general.
This sultan credit card was released in 1999 by American Express Bank and created such buzz that other card issuers wanted to create their own luxury credit cards to reward the highest spending customers.
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Thanks to that, there are now many alternative credit card options for consumers of all income levels and credit history.
Who can have this Black Card?
Until now there are no definite criteria about who is eligible to get a Black Card. Because every bank has its own criteria.
But for sure, not just anyone can have this credit card. Even some banks only offer this Black Card usage offer only to customers who get a special invitation
In addition, there are also very high minimum expenditure requirements. Generally, card issuers only invite their most loyal customers who spend a lot of money to become black card holders.
Collect CNBC Indonesiasome Indonesian artists to international artists who have Black Cards are Nagita Slavina, Beyonce, Oprah Winfrey, G-Dragon Big Bang, TOP Big Bang, Jin BTS, Jungkook BTS, Jaehyun NCT and many more.
Black Card in Indonesia
One of the domestic banks that issued this card, targeting those who are classified as high-end customers. BCA is one such bank.
BCA offers a wide selection of credit cards, including black cards, to suit users’ financial needs and capabilities.
The black card from BCA is also a card to support the premium lifestyle of its owners. This credit card will pamper customers with various benefits that are of course tailored to customer needs. BCA issues two black card options, namely BCA MasterCard Black and BCA Visa Black Signature aka BCA Visa Black.
BCA MasterCard Black and BCA Visa Black are both Bank Central Asia Black Cards for established groups with high mobility, who crave convenience, and flexibility in transactions.
What are the requirements for making a Black Card from BCA?
Just like applying for a credit card in general, you need to meet several requirements first to be able to make a black card from a BCA bank. Here are the conditions.
– Minimum monthly income of IDR 3 million.
– The minimum age of the main card holder is 21 years.
– The maximum age of the main card holder is 65 years.
– Minimum age of additional card holder is 17 years.
– Those who can register for a black card from BCA are Indonesian citizens (WNI) and foreign citizens (WNA).
– Applicants are not required to have a previous credit card.
– If you feel you have met the requirements above, there are several documents needed to make a Bank Central Asia Black Card. The documents needed are adjusted to the type of work you are applying for.
The following are the details of the documents that must be prepared. For those of you who work as employees, the required documents:
- Photocopy of KTP/KITAS
- Proof of Income (Salary Slip/SKP/SPT)
- NPWP
For those of you who work as entrepreneurs, the required documents:
- Photocopy of KTP/KITAS
- Copy of Savings Account (last three months)
- NPWP
- Photocopy of Deed of Establishment/SIUP/TDP
For those of you who work as professionals, the required documents:
- Photocopy of KTP/KITAS
- Proof of Income (Salary Slip/SKP/SPT)
- Photocopy of Professional License
- NPWP
What are the other black card provisions?
- Annual fee of IDR 450 thousand (free annual fee for the first year).
- The annual fee for an additional card is IDR 250 thousand.
- Minimum payment every month is IDR 50 thousand or 5 percent of the total bill.
- Penalty for late payment of IDR 100,000 or 1 percent of the total bill.
- There is no admin fee for lateness.
- The minimum cash withdrawal fee is IDR 40,000 or 4 percent of the total cash withdrawal.
- The limit for cash withdrawal facilities per day is 20 percent of the card limit.
That’s the information about Black Cardthe credit card of the sultans.
(fdl/fdl)
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