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PermataDuo Optima

Maximize your saving and transaction

Get Get

Get premium interest on your saving and cashback when you do online shopping with PermataTabungan Optima and PermataShoppingCard

What are the Benefits?

Premium Interest Rate with PermataTabungan Optima

Premium Interest Rate with PermataTabungan Optima

Increase your saving balance and enjoy premium interest from your PermataTabungan Optima

Save on Online Shopping with PermataShoppingCard

Save on Online Shopping with PermataShoppingCard

Get 5% cashback up to IDR 200,000 every time you shop online using your PermataShoppingCard every month (terms and conditions apply)

0% Installment with PermataShoppingCard

0% Installment with PermataShoppingCard

0% installment up to 12 months for all online transactions with PermataShoppingCard (apply via PermataTel 1500111)

Extra Bundling Cashback up to IDR 2.1 Million

Extra Bundling Cashback up to IDR 2.1 Million

Keep increasing your saving balance as well as your retail spending to get additional cashback on bundling application up to IDR 2.1 million (terms and conditions apply)

What are the Cost and the Interest Rate?

Monthly Admin Fee PermataTabungan Optima

Cash Withdrawal Fee at ATMs PermataTabungan Optima

Online Transfer Fee PermataTabungan Optima

First Deposit PermataTabungan Optima

Minimum Balance PermataTabungan Optima

Interest Rate Permata Tabungan Optima

Interest Rate Permata Tabungan Optima

Annual Fee PermataShoppingCard

Additional Card Fee PermataShoppingCard

Transaction and Cash Withdrawals Interest Rates PermataShoppingCard

Average account balance IDR 25,000,000 or more = free <br/>Average account balance less than IDR 25,000,000 = IDR 30,000

Free on all ATMs with VISA or PLUS logo (if balance before transaction IDR 25,000,000 or more)

Free if balance before transaction IDR 25,000,000 or more

IDR 1,000,000

IDR 1,000,000

RATE COUNTER OPTIMA 11 Oct 21<br/>0 – < 100 million: 0.00% <br/>100 million – < 500 million: 0.50% <br/>500 million – < 1 billion: 1.00%

1 billion – < 5 billion: 2.00% <br/>5 billion – < 10 billion: 2.50% <br/>≥ 10 billion: 2.75%

Gold and Titanium IDR 350,000 or spending (IDR 40,000,000 per year) <br/>Platinum IDR 600,000 or spending (IDR 70,000,000 per year)

Titanium IDR 200,000 <br/>Platinum IDR 300,000

1.75% per month or 21% per year

What are the Requirements?

21 - 65 years old for main card holder, and 17 - 65 years old for supplement card holder.

21 - 65 years old for main card holder, and 17 - 65 years old for supplement card holder.

Minimum income IDR 3,000,000 per month

Minimum income IDR 3,000,000 per month

Download PermataMobile X and select bundling package PermataDuo Optimal

Download PermataMobile X and select bundling package PermataDuo Optimal

Top up saving balance minimum IDR 1,000,000 within 5 working days for credit card approval

Top up saving balance minimum IDR 1,000,000 within 5 working days for credit card approval

Report and Other Information

General Terms and Conditions

Product Summary

E-Welcome Pack PermataShoppingCard

Fee and Cost Information for PermataShoppingCard

Specific Terms and Conditions of PermataTabunganOptima

Terms and Conditions Cashback Bundling

Any Question?

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

Other Products

Investment savings with a high-interest rate, charge-free, and broad access

PermataTabungan Optima

The Card that Fits Best for Online Shopping

PermataShoppingCard

PermataDuo Optima

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