What are the Benefits?
Increase your saving balance and enjoy premium interest from your PermataTabungan Optima.
Get 5% cashback up to IDR 200,000 for online shopping and IDR 100,000 for other transactions with a minimum accumulated online or combined online and offline transaction of IDR 5,000,000* in one billing cycle (terms and conditions apply until 31 December 2023). *Starting from the transaction period of July 2023.
0% installment up to 12 months for all online transactions with PermataShoppingCard (apply via PermataTel 1500111).
What are the Cost and the Interest Rate?
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
RATE COUNTER OPTIMA 1 July 2022<br/>IDR 0 –< IDR 100 million = 0.00% p.a.<br/>IDR 100 million –< IDR 500 million = 0.25% p.a.<br/>IDR 500 million –< IDR 1 billion = 0.75% p.a.
IDR 1 billion –< IDR 5 billion = 1.50% p.a.<br/>IDR 5 billion –< IDR 10 billion = 2.00% p.a.<br/>≥ IDR 10 billion = 2.25% p.a.
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
Minimum income IDR 3,000,000 per month
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
General Terms and Conditions
E-Welcome Pack PermataShoppingCard
Fee and Cost Information for PermataShoppingCard
Specific Terms and Conditions of PermataTabunganOptima
We're ready to assist the complaints or any other question you might have
Terms and Condition
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.