What Are the Benefits?
Easy credit card application process via PermataMobile X
Get 3.5% cashback for transactions at Hero and Guardian, and 1% cashback for transaction anywhere with term of accumulated transaction in a month is minimum IDR 2,000,000 (maximum cashback IDR 10,000,000/year).
Discounts for transactions at Hero and free products for shopping at Guardian every day. Valid until 30 June 2023
0% installments for 3 months for any transaction (minimum spending of IDR 500,000)
Free 1 year annual fee for the main card and forever for 5 supplementary cards
It's easier with PermataMobile X, from checking bills and credit card limit, changing payment method to installment, applying for a cash loan as well as requesting for additional cards or various payment features
Change or create new credit card PIN easily through PermataMobile X, website or IVR
Enjoy various attractive promotion such as discount or installment at various merchants
Making transaction with PermataKartuKredit become more secure and convenient with direct notifications on your phone
Easily pay monthly bill through Permata Bills To Pay
Transaction technology to make transactions just by tapping/put closer PermataHeroCard (PermataCashbackCard) to the EDC machine with the contactless logo
What are the Cost and the Interest Rate?
Classic IDR 225,000<br/>Gold IDR 350,000<br/>Platinum IDR 750,000
Free of annual fee for up to 5 additional cards
1,75% per month or 21% per year
What are the Requirements?
21 – 65 years of age for Main Cards and 17 – 65 years of age for Supplementary Cards
Monthly income min. IDR 3 million
Copies of ID card (KTP) and Taxpayer Identification Number (NPWP)
Salary slip and copies of other credit cards
Terms and Conditions
Fare and Cost Information of PermataHeroCard
Product Information Summary of PermataHeroCard
SiapPIN - Create 6 Digit your Credit Card PIN here
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
Information Detail PermataKartuKredit
See the detail for SimplePay here.
See the detail for Bills to Pay here.
See the detail for PermataNavigator here.
Smart Spending with Discounts and Cashback Throughout the Year
Valid for the max. amount of total cashback: IDR 10,000,000 per year
For transaction at Hero and Guardian
For transaction outside Hero and Guardian. Valid if the minimal accumulation of the transaction within a month: IDR 2,000,000
Syarat dan Ketentuan
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.
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.
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.