What Are the Benefits?
Take advantage of low exchange rate for any offline or online transaction in foreign currency
Make your travel experience more memorable with attractive air miles conversion (IDR 10,000 of retail transaction equals to 1 GarudaMiles and IDR 20,000 of retail transaction equals to 1 KrisFlyer)
Enjoy 6 months 0% installment for any offline or online transaction in foreign currency, and 0% installment for up to 24 months in participating boutique merchants
Exceptional dining and shopping experience with discounts in more than 100 prominent Merchants all year long
Your PermataBlack Card is equipped with a contactless feature for an easier and more convenient transaction experience at home and abroad. Transact only by holding the card close to the EDC machine with the contactless logo
Free Airport Lounge access in big cities in Indonesia including Jakarta, Denpasar, Surabaya, Semarang, Medan, Makassar, Balikpapan and Jogjakarta by redeeming reward points for every visit. Card will be charged IDR 100,000 for domestic terminal access and IDR 150,000 for international terminal access if reward points insufficient.
Free Annual Fee for primary card and 5 supplement cards for PermataBank Priority Customers
Enjoy even more special shopping experience by redeeming your reward points for vouchers in various favorite Merchants such as Metro Dept. Store, Tokopedia, Shell and many more
Experience the ease of checking bills and credit card limit, converting payment method to installment, applying for a loan as well as requesting for additional cards, only in a palm of your hand
Dedicated 24 hours 7 days a week customer service to assist with your every need
What are the Cost and the Interest Rate?
IDR 1,000,000 <br> Free annual fee for PermataBank Priority Customers
Free Supplement Card annual fee for up to 5 cards
1.75% per month or 21% per year
What are the Requirements?
Only for invited Customers or according to Bank policy
Copy of Valid ID (KTP) and Taxpayer ID Number (NPWP)
Proof of income statement and copy of other credit cards
PermataBlack Card Guidebook
General Terms and Conditions
Information on Fees and Charges
Product Information Summary of PermataBlack Card
Reward Points Redemption Mechanism to Flight Miles and E-Voucher
Contactless Service Information
SiapPIN - Create 6 Digit your Credit Card PIN here
Free Airport Lounge Access Mechanism
We provide you the calculation of loan cost you would spend
We're ready to assist the complaints or any other question you might have
Terms and Condition
Terms and Conditions
Exclusive privilege for you and your family
Faster Aviation Miles Collection
Collect your air miles from your favorite airline faster, with IDR 10,000 worth of retail transactions equals to 1 GarudaMiles, and IDR 20,000 worth of transactions equals to 1 KrisFlyer.
Redeem your reward points to your air miles of selection and make your travelling experience memorable.
Details on reward points conversion to GarudaMiles and KrisFlyer can be seen here.
Free 5 Additional Cards For Beloved Families
Splurge your family members with up to 5 additional cards with a limit that you can set yourself, the usage will still be according to needs and each transaction can be monitored. Free Annual fee for life for your family member(s) with supplementary credit card.
Installment Privileges with SimplePay
Installment Interest | Value of Retail Transactions Submitted in Installments | Admin Fee (IDR) | Installment Tenor in Months |
---|---|---|---|
0% | IDR 2 mio - IDR 9.999.999 | IDR 250K | 6 |
0% | IDR 10 mio - IDR 24.999.999 | IDR 300K | 6 |
0% | IDR 25 mio - IDR 50 mio | IDR 450K | 6 |
0.5% | Start from IDR 2 mio | IDR 15K | 6, 12, 18, 24 |
Complimentary Airport Lounge Access with Reward Points
List of Airport Lounges
No. | City | Lounge Name | Airports | Terminal | Remarks |
---|---|---|---|---|---|
1 | Balikpapan | BLJ Blue Sky Executive Lounge | Sepinggan | Domestic | |
2 | Denpasar | Concordia Lounge | Ngurah Rai | Domestic | |
3 | Denpasar | Concordia Lounge | Ngurah Rai | International-Shopping Area Lt.4 | Effective 01 June 2023 |
4 | Jakarta | Saphire Lounge | Soekarno Hatta | Domestic T3 - Gate 13 and 18 | |
5 | Jakarta | Saphire Plaza Premium | Soekarno Hatta | International T3 | Effective 01 June 2023 |
6 | Makassar | Concordia Lounge | Sultan Hasanudin | Domestic | |
7 | Medan | Saphire Blue Sky Lounge | Kualanamu | Domestic | |
8 | Medan | Saphire Lounge | Kualanamu | International Lt.2 | Effective 01 June 2023 |
9 | Semarang | Concordia Lounge | Ahmad Yani | Domestic | |
10 | Surabaya | Concordia Lounge | International Juanda | Domestic - T1 and T2 | |
11 | Surabaya | Concordia Premier Lounge | International Juanda | International T2 | Effective 01 June 2023 |
12 | Yogyakarta | Concordia Lounge | Yogyakarta | Domestic | Effective 01 August 2023 |
13 | Yogyakarta | Concordia Lounge | Yogyakarta | International | Effective 01 August 2023 |
Information of PermataKartuKredit
See the latest information from PermataKartuKredit here.
SimplePay
See details on SimplePay fees and charges here.
Poin Reward
See reward points redemption's terms and condition and list of Merchants here.
PermataNavigator
See details on PermataNavigator here.
Syarat dan Ketentuan
Privacy Policy
As privacy is an important aspect for the visitors of PermataBank website, PermataBank is determined to protect the visitors’ privacy. You may browse most part of PermataBank’s website without submitting any personal information. However, you may be asked to disclose certain information for PermataBank to be able to provide the service you request for. The privacy statement in this website is prepared to help visitors understand the types of information provided in PermataBank’s website, and how PermataBank handles the information.
PermataBank is the sole owner of the entire information in this website. PermataBank will not sell, share, or rent the information in this website to other parties in the manner contradictary to the aspect presented in this statement.
During your access to PermataBank website, you may find some information in the form of ”cookie” in your computer, so that PermataBank can recognize you the next time you revisit the website. Cookies refer to small size text archive transferred by the website to a visitor’s hard disk when the visitor is browsing the website. PermataBank does not use cookies to collect personal information such as names or email addresses; therefore, all information collected by cookies will be arranged anynomously. PermataBank only uses cookies to measure the effectiveness of PermataBank online, such as by identifying the repeat visits to PermataBank’s website and observing the channel chosen by visitors when browsing PermataBank’s website, so that PermataBank will be able to adjust the website to your desire. If you do not wish to receive cookies or wish to be informed when cookies are placed, you can arrange your web browser for such purposes, provided that your web browser supports it.
PermataBank will make continuous efforts to maintain the security of your personal information and protect it from manipulation, forgery, and irresponsible access and disclosure. PermataBank will also endeavor to maintain information accuracy.
This website may accommodate links to other sites. Please be aware that PermataBank is not responsible for the privacy practices of other sites. PermataBank strongly recommends website visitors to read the privacy statement of all sites that collect personal information. The privacy statement in this website applies only to the information presented in this website.
PermataBank reserves the rights to change the statement in this website at anytime. PermataBank suggests the visitors of this website to recheck the privacy statement from time to time and learn a number of new privacy practices or modification of PermataBank policies.
Terms of Use
The use and content of this website are provided for your convenience. The information presented in this website is provided for you, without any kind of guarantee, either written or implied, included but not limited to the guarantee on tradeworthy goods and/or services, the compatibility for any purpose, promotion for a product without violating any rule.
This website may contain technical guidance that is inaccurate and typographical errors. PermataBank reserves the right to correct and/or modify the information in this website at any time and by any methods, without prior notice.
PermataBank is not responsible or liable for any material and non-material loss, which may be suffered by anyone or any party, as directly or indirectly resulted from the use of the information contained in this website, either in part or in entirety.
For your convenience, PermataBank can also provide some links to other sites in the Internet, which are owned and/or operated by any party. Please note that those sites are not under PermataBank control, and therefore, PermataBank is not responsible for the content of such websites.