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PermataHeroCard

Enjoy Various Kinds of Cashback for Free Shopping

Get

The more you shop, the more cashback you will get for shopping at Hero and Guardian

What Are the Benefits?

Easy and Quick Credit Card Application

Easy and Quick Credit Card Application

Easy credit card application process via PermataMobile X

Cashback at any Time

Cashback at any Time

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 at any time

Discounts at any time

Get a 20% discount for fresh products (Seafood on Monday, meat on Tuesday, fruits on Wednesday, and vegetables on Thursday) at Hero as well as 5% discount for private label products at Hero and Guardian that is valid everyday)

0% Installments

0% Installments

0% installments for 3 months for any transaction (minimum spending of IDR 500,000)

Free Annual Fee

Free Annual Fee

Free 1 year annual fee for the main card and forever for 5 supplementary cards

Various Facilities with PermataMobile X

Various Facilities with PermataMobile X

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 and Create New Credit Card PIN Easily

Change and Create New Credit Card PIN Easily

Change or create new credit card PIN easily through PermataMobile X, website or IVR

Attractive Programs from Merchants

Attractive Programs from Merchants

Enjoy various attractive promotion such as discount or installment at various merchants

PermataNavigator Facility

PermataNavigator Facility

Making transaction with PermataKartuKredit become more secure and convenient with direct notifications on your phone

Bills to Pay Facility

Bills to Pay Facility

Easily pay monthly bill through Permata Bills To Pay

What are the Cost and the Interest Rate?

Annual Fee

Additional Card Fee

Transaction and Cash Withdrawals Interest Rates

Classic IDR 200,000<br/>Gold IDR 350,000<br/>Platinum IDR 600,000

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

21 – 65 years of age for Main Cards and 17 – 65 years of age for Supplementary Cards

Monthly income min. IDR 3 million

Monthly income min. IDR 3 million

Copies of ID card (KTP) and Taxpayer Identification Number (NPWP)

Copies of ID card (KTP) and Taxpayer Identification Number (NPWP)

Salary slip and copies of other credit cards

Salary slip and copies of other credit cards

Report and Other Information

e-Welcome Pack

Terms and Conditions

Fare and Cost Information of PermataHeroCard

Product Information Summary

SiapPIN - Create 6 Digit your Credit Card PIN here

Do You Need Loan Cost Information?

We provide you the calculation of loan cost you would spend

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Any Question?

We're ready to assist the complaints or any other question you might have

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