What is Jenius Credit Card?

A fully digitalized credit card. Apply, activate, and manage your card digitally from the Jenius app.

What makes Jenius Credit Card different?

• Full online application and activation.
• Manage limits as you need.
• Request for up to 5 additional cards.
• Block/unblock card directly from the app.
• Easily convert transactions to installments.
• Automatically pay monthly bills.
• Instantly get a virtual card after activation.
• Free annual fee for the first year.

What makes Jenius Credit Card different?

Now you can have a credit card and simply apply, activate, and manage it from the Jenius application. Manage your personal cash flow more easily because now you can do the things you like without making a mess of finances.

Who can have a Jenius Credit Card?

• Jenius users with active Flexi Cash.
• Jenius users who don’t have Flexi Cash yet, and a new Jenius user.

Who can apply for a Jenius Credit Card?

All Jenius users, including new users.

What are the advantages of applying for a Jenius Credit Card?

– Digital application without the hassle of filling out a printed form.
– Simply upload income documents if needed.
– No requirement ofhaving another bank credit card.

What are the requirements for applying for a Jenius Credit Card?

– Have an active Jenius account.
– At least 21 years old.
– Minimum income of IDR 3,000,000.
– Meet other requirements according to Jenius credit policies and applicable regulations.

How do I apply for a Jenius Credit Card?

1. On the bottom navigation bar, select Credit.
2. Tap Let’s Check Creditbility & Apply!
3. Fill in your personal information, then tap Next.
4. Review and agree to the data analysis and verification statement, then tap Next.
5. Enter your Jenius password, then tap Submit.
6. Your application has been submitted. You can tap View Progress to track the application process.

After applying for a Jenius Credit Card, how long does the verification process take?

Application verification takes up to 2 working days (maximum). The process can take longer if you haven’t completed the income document.

Why was my Jenius Credit Card application rejected?

– You have not met the bank’s internal requirements.
– You have a monthly income of around IDR 3,000,000 – IDR 10,000,000 which according to Bank Indonesia regulations is only allowed to have credit cards from 2 different banks (maximum).

After my Jenius Credit Card application has been apprioved, what should I do?

Immediately activate it to use your Jenius Credit Card.

After my Jenius Credit Card application has been approved, why do I have to activate it?

Because you need to choose the design and name on the card and confirm the mailing address for physical card delivery.

Who can activate a Jenius Credit Card?

– Jenius users whose applications have passed verification
– Jenius users who already have Flexi Cash

My application has passed verification, how do I activate my Jenius Credit Card?

1. On the bottom navigation bar, select Cards.
2. Once you’re on the Cards page, choose the Credit Card menu.
3. Tap Activate Now.
4. Choose your card design, enter the name to appear on the card, confirm your mailing address, then select Submit.
5. Review the terms & conditions and fee information, check the box to agree, then tap Submit.
6. Enter your Jenius password, then tap Submit.
7. Continue by selecting Explore Now.
8. Review the information provided, then tap Next.
9. On the final screen, tap Finish.
10. Complete the activation process by tapping Choose Double Yay Category.
11. Select the appropriate category, then tap Submit.

I am a selected Jenius user, how do I activate my Jenius Credit Card?

1. On the bottom navigation bar, select Cards.
2. Once you’re on the Cards page, choose the Credit Card menu.
3. Tap Activate Now.
4. Choose your card design, enter the name to appear on the card, confirm your mailing address, then select Submit.
5. Review the terms & conditions and fee information, check the box to agree, then tap Submit.
6. Enter your Jenius password, then tap Submit.
7. Continue by selecting Explore Now.
8. Review the information provided, then tap Next.
9. On the final screen, tap Finish.
10. Complete the activation process by tapping Choose Double Yay Category.
11. Select the appropriate category, then tap Submit

What are the benefits if I become a selected Jenius user who gets a Jenius Credit Card offer?

You can activate it right away without submitting an application.

Why didn’t I get a Jenius Credit Card offer?

The Jenius Credit Card offer is valid only for selected Jenius users with active Flexi Cash.\

After activating the Jenius Credit Card, what should I do?

Once you finish activation, you’ll automatically get a virtual card that you can use for online transactions while waiting for the physical card to arrive at your address.

What is a d-Card?

d-Card is the main credit card that you will automatically receive after activation.

When will I get my d-Card?

After the activation is complete, the virtual d-Card is automatically available in the Jenius application and can immediately be used for online transactions while waiting for the physical card sent to your address. When it arrives, immediately activate the physical card so that the d-Card can be used for offline transactions as well.

Find out how to activate a physical card here.

How long does the d-Card delivery process take?

• 3 working days for Jabodetabek area.
• 7 working days for outside Jabodetabek area.

Delivery time is estimated from the card creation request.

What is an S-Card?

s-Card is an supplementary credit card that can be given to people you trust.

s-Cards can only be ordered and managed by d-Card holders.

Who can I give the s-Card to?

You can give s-Cards to trusted people such as spouse, wife, parents, family, siblings, or friends.

For information, s-Cards can be given to Jenius users and to those who have not used Jenius app.

How many s-Cards can I request?

You can request for up to 5 s-Cards.

What should I prepare if I will give an s-Card to a Jenius user?

$Cashtag s-Card recipient.

What should I prepare if I want to give an s-Card to someone who hasn’t used Jenius yet?

Recipient’s ID card to be photographed.

How do I request an s-Card?

You can request an s-Card from the Jenius app. Get to the Cards menu, choose Card Center, and tap Credit Card.

Find out how to request an s-Card here.

What should I do after requesting an s-Card?

Make sure you inform the recipient and ask him/her to give permission to create an s-Card on his/her behalf with the following guidelines:

• Open the Jenius app.
• Tap the bell icon at the top right of the screen.
• Choose the Request menu.
• Choose Grant Permission.

What happens when the s-Card recipient has not given permission yet?

The s-Card you requested could not be processed.

For information, permission from the s-Card recipient is a mandatory requirement that must be met by the d-Card holder in order to continue the s-Card application.

Where will the s-Card be sent?

The s-Card will be sent to the mailing address of the d-Card owner.

How long does the s-Card delivery process take?

• 3 working days for Jabodetabek area.
• 7 working days for outside Jabodetabek area.

Delivery time is estimated from the card creation request.

Does the s-Card that has arrived at the mailing address need to be activated?

Yes. Just like the d-Card, you also need to activate the physical s-Card card. Find out how to activate the s-Card here.

Who can manage the s-Card and how?

s-Card can only be ordered and managed by the d-Card holder.

s-Card management includes limit setting can be done from the Jenius app. Get to the Cards menu, choose Card Center, and tap Credit Card.

Find out how to manage your s-Card here.

Can I change the s-Card holder identity? If possible, how?

The s-Card holder identity cannot be changed.

Request a new s-Card if you want to give it to another person.

If there are 5 active s-Card on your account and you want to request for one more, then one of the active s-Cards must be closed first. After that, a new s-Card can be requested.

How can I close my s-Card?

You can contact SMBCI Care by landline call at 1500 365.

Why is there no CVV code and expiry date information on my Jenius Credit Card?

For security reasons, you can only see the CVV code and the validity period of the d-Card and s-Card in the Jenius app.

How do I view the CVV code and expiration date of my Jenius Credit Card?

– On the bottom navigation bar, select Cards.
– On the Cards page, choose the Credit Card menu.
– Tap your Jenius Credit Card.
– Enter your Jenius password, then tap Submit.
– Check your card’s expiration date and CVV code.
– Tap to copy the card number.

Why do I need to activate my Jenius Credit Card’s physical card?

To use your physical Jenius Credit Card for offline transactions, including cash advance.

How do I activate my physical Jenius Credit Card?

– On the bottom navigation bar, select Cards.
– On the Cards page, choose the Credit Card menu.
– Tap the three dots on your Jenius Credit Card.
– Select Activate Physical Card.
– Scan the QR code on the mailer using your camera.
– Create a PIN, confirm it, then tap Next.
– Enter your Jenius password, then tap Submit.
– Your Jenius Credit Card’s physical card has been successfully activated!

What is the term and condition to activate the physical Jenius Credit Card?

To activate the physical card, you need to scan the code printed on the Jenius Credit Card mailer.

How do I activate my physical Jenius Credit Card if I’ve lost the mailer?

If you’ve lost the mailer, follow these steps to activate your physical card:
– Request physical card activation by contacting SMBCI Care at 1500 365.
– Scan the QR code that will be sent to your email.

What do I need to prepare when requesting physical card activation through SMBCI Care 1500 365?

You just need to provide your Jenius Credit Card number.

After calling SMBCI Care, when will I receive the QR code by email?

The QR code for physical card activation will be sent to the email registered to your Jenius account on the same day.

How do I activate my physical Jenius Credit Card after receiving the QR code by email?

– From the bottom navigation bar, tap Cards.
– On the Cards page, select the Credit Card menu.
– Tap the three dots on your Jenius Credit Card.
– Select Activate Physical Card.
– Point your camera at the QR code in the email.
– Create a PIN, confirm the PIN, then tap Next.
– Enter your Jenius password, then tap Submit.
– Your physical Jenius Credit Card has been successfully activated!

Can I use my physical Jenius Credit Card right away if I activate it using the QR code from the email?

Yes. Once activated using the QR code, your physical Jenius Credit Card will be active and ready to use for offline transactions, including cash withdrawals.

I’ve received the QR code by email, but it won’t scan. What should I do?

Contact 1500 365 for assistance with activating your physical Jenius Credit Card through Jenius Help.

For security reasons, activation through Jenius Help requires a data verification process that takes up to 1 business day (1×24 hours).

Where can I use my Jenius Credit Card for transactions?

You can use Jenius Credit Card for online and offline transactions.

Can s-Card recipient use the card for online transactions?

Yes. The d-Card holder can provide information on the card number, CVV code, and card validity period so that the s-Card recipient can use it for online transactions.

Keep in mind, the d-Card holder is fully responsible for all transaction activities carried out by the s-Card recipient.

Where can I view transaction history with Jenius Credit Card?

On the Transactions menu in your d-Card and s-Card details. Transaction history is provided apart from In & Out.

How do I check my Jenius Credit Card transaction history?

– On the bottom navigation bar, tap Cards.
– On the Cards page, select Credit Card.
– Tap your Jenius Credit Card.
– Select the Transactions menu.
– Browse your transaction history and tap on a specific transaction to view the details.

Will the transaction history with Jenius Credit Card be recorded in my Jenius application forever?

Transaction history with Jenius Credit Card will be stored for the last 6 months.

Are Jenius Credit Card transactions recorded in the Transactions and Moneytory menus?

No. Jenius Credit Card transactions are not recorded in the Transactions or Moneytory menus.

Where can I find more information about Jenius Credit Card?

You can find more information about Jenius Credit Card such as application, activation, and managing cards here. (link to FAQ Jenius Credit Card)

What are Quasi-Cash Transactions on Jenius Credit Cards?

Quasi-cash transactions are credit card transactions using your Jenius Credit Card that are similar to cash withdrawals, but aren’t direct cash withdrawals. These transactions typically involve the purchase of foreign currency or items that can be easily converted into cash, such as casino chips, cryptocurrency, money orders, lottery tickets, or traveler’s checks. These transactions are identified by their Merchant Category Code (MCC).

Please note that quasi-cash transactions may incur fees and interest charges equivalent to ATM cash withdrawal fees, and they do not earn Yay Points.

What is a credit limit?

Credit limit is a combined limit for Jenius Credit Card and Flexi Cash.

What is the term and condition for Credit limit?

• The selected limit must not be less than the minimum product limit, which is IDR 2,000,000 for credit cards and IDR 500,000 for Flexi Cash.
• The selected limit must not be less than the limit used for each product.
• Limit reallocation can only be done in multiples of IDR 500,000.
• Credit card limit should not exceed more than 3 times your monthly income (for customers with an estimated income between Rp. 3,000,000 – Rp. 10,000,000 per month).
• Flexi Cash limit cannot exceed more than IDR 200,000,000.
• Limit reallocation can only be done if Flexi Cash and credit cards are in Active status with “pass” payment performance, and in normal status (not in an overlimit state, not in a fraud investigation, not in a temporary limit increase status, etc.).
• Limit reallocation can only be done once in every 30 calendar days from the previous reallocation.
• Limit reallocation cannot be done within a period of 3 calendar days before the end of the month.

Which card is connected to the credit limit?

The card that is directly connected to the credit limit is the d-Card. In addition, the use of the s-Card for transactions will automatically reduce the credit limit.

What is a spending limit?

The spending limit is the limit for the s-Card.

Is there a minimum limit for spending limits?

No. You can set a spending limit according to your needs.

Is there a maximum limit for spending limits?

Yes. The maximum limit for spending is your Jenius Credit Card (d-Card) limit.

How does spending limit work?

The spending limit takes the portion of the Jenius Credit Card (d-Card) limit.

Transactions with s-Card is limited to the pre-set spending limit, which is automatically adjusted by the remaining d-Card limit.

Payment with s-Card will reduce the Jenius Credit Card (d-Card) limit.

Spending limit will reset (the limit you have pre-set) at the beginning of the month, but its usage still depends on the remaining d-Card limit.

What is the single purchase limit?

The single purchase limit is the limit you set for single purchase with d-Card or s-Card.

If a transaction occurs above the specified limit, the transaction cannot be processed.

Why can’t I change the cash advance limit at the ATM?

Unlike Jenius Debit Card, you cannot set a daily withdrawal limit at ATMs for Jenius Credit Card.

Yet, you can still use your Jenius Credit Card to withdraw cash at an ATM (if the transaction settings are activated) with a cash withdrawal credit limit of 30% of the limit you set for Jenius Credit Card.

Information on the Remaining Cash Advance Limit is available on the d-Card Details pages

What are the requirements to apply for Jenius Credit Card limit increase?

Call SMBCI Care at 1500 365 to apply for a limit increase and make sure you have prepared:
1. Supporting documents such as income documents, bank statements for the last 3 months, or Tax Return Report (SPT).
2. NPWP (if the requested limit is above IDR50,000,000).
3. Include the desired increase limit amount and the reason for the credit card limit increase.
4. Make sure your credit card status is active and not blocked.

What are the terms and conditions of Jenius Credit Card limit increase application?

Limit increases are divided into two types: permanent limit increases and temporary limit increases.

For temporary limit increases, the conditions are as follows:

1. Ensure that the credit card is active.
2. The credit card has been active for more than 6 months since the credit card application was approved.
3. At least one transaction has been made since the credit card application was approved.
4. At the time of application, there are no overdue payments or delinquent status on the account.
5. It has been more than 3 months since the last temporary limit increase.
6. The request must be made by the primary cardholder.
7. At the time of application, the credit card usage is not exceeding the limit (overlimit) and is not currently under a temporary credit limit increase.
8. The temporary limit increase is valid for 60 calendar days. You must settle any excess usage before the temporary limit increase expires. If not, an overlimit fee will be charged.

For permanent limit increases, the conditions are as follows:

1. Permanent limit increases can only be requested by Jenius Credit Card holders.
2. Submit supporting documents such as valid income documents, the last 3 months’ bank statements, or an SPT report.
3. Submit an NPWP if the requested limit exceeds IDR 50,000,000.
4. There are no overdue payments or delinquent status on the Jenius Credit Card at the time of application.
5. The account is not in an overlimit condition or currently receiving a temporary limit increase.
6. The request is not made within 12 months of the last permanent limit increase.
7. The limit increase will be processed within a maximum of 5 working days (excluding Saturdays, Sundays, and National Holidays).

How do I manage my Jenius Credit Card limit?

ou can allocate your Creditbility based on your needs when activating a credit product or after you’ve activated one or more credit products.

Allocating Creditbility during product activation:
– Go to Credit page.
– Select the product you want to activate.
– Fill in the required information.
– Set the desired limit for the credit product.
– Agree to the terms and conditions, then enter your password to confirm.
– For Flexi Cash, you’ll need to make your first withdrawal to activate the product.

Allocating Creditbility after activating multiple products:
– Go to Credit page.
– Select Creditbility Allocation.
– Set your preferred limit for each product.
– Tap Save and enter your password to confirm.

What is Split Pay?

A feature to convert past transactions into installments.

Where can I access the Split Pay feature on my Jenius Credit Card?

From the Credit Card menu in the Cards page, tap the Split Pay box in the Credit Card Information section.

Where can I find transactions with Jenius Credit Cards that I can convert into installments using Split Pay?

From the Transaction menu on your d-Card and s-Card details.

On the Transaction menu, view the transaction history, then find the Installment available marker to find out which transactions can be converted into installments using Split Pay.

What are the installment condition for Jenius Credit Card using Split Pay?

• Monthly installments will be billed via credit card monthly billing, according to the tenor chosen by the cardholder.
• For early repayment fee, customers will be charged an early payment fee of 3% of the remaining principal and will be billed in the billing statement.
• The monthly installments billed will be calculated into the minimum payment.
• If the customer is late for more than 3 (three) times the due date, the remaining installments will be due immediately and will be billed in full in the billing statement.
• Transactions that can be split to installment plan are only transactions with a minimum amount of IDR 500,000.
• The first installment billing date is 1 month after the date of converting the transaction into installments.
• If the installment collection date is at the end of the month (31st), then the following month will also be stated at the end of the month (31st, 30th, 29th, or 28th).
• The monthly installment interest is calculated on an effective interest basis (decreasing interest).

How many tenors are available if I convert the transaction with Jenius Credit Card into installments?

3 to 36 months.

How do I convert transaction made with Jenius Credit Card into installments using Split Pay?

‘1. On the bottom navigation, select Cards.
2. On the Cards page, select Credit Card menu.
3. Tap your Jenius Credit Card.
4. Select Transaction menu.
5. Find transaction that’s labeled as Installment Available, then tap the transaction you want to convert to installment.
6. Select Change to Installment.
7. On the preferred tenure section, tap the arrow, then select your installment tenure.
8. Review the available information, then tap Next.
9. Review the information on the confirmation page, then tap Next.
10. Read and agree to the Terms & Conditions, then tap Change to Installment.
11. On the confirmation page, check the approval box, then tap Submit.
12. Enter your Jenius password, then tap Submit.
13. You’ve successfully converted the transaction into installments.

How do I stop or pay off my Jenius Credit Card installment early?

– On the bottom navigation bar, tap Cards.
– On the Cards page, select Credit Card.
– Scroll to the Credit Card Information section, then tap More in the Split Pay box.
– Select the Split Pay menu.
– From the list, choose the installment you want to stop.
– On the installment detail page, tap Stop.
– Review the remaining installment amount, then tap Next.
– On the confirmation page, tap Submit.
– Enter your Jenius password, then tap Submit.
– Your installment has been successfully stopped.

Is there a fee for converting transaction into installments?

Effective 18 August 2025, a fee of IDR20,000 will be charged for each transaction converted into installments with 0% interest. If you convert a transaction into installments with an interest rate above 0% (e.g. 1,75%), no fee will be charged.

Is there an additional fee if I stop or pay off my Jenius Credit Card installment early?

Yes. For early repayment, a 3% early payment fee will be charged based on the remaining principal, and this fee will appear on your billing statement.

How do I check my Jenius Credit Card installment list?

From the Billing Information section:
– Tap Cards on the bottom navigation bar.
– On the Cards page, select Credit Card.
– Scroll to the Billing Information section and tap View.
– Select the Split Pay menu.

From the Credit Card Information section:
– Tap Cards on the bottom navigation bar.
– On the Cards page, select Credit Card.
– Scroll to the Credit Card Information section and tap More in the Split Pay box.

How is interest calculated for Split Pay?

The monthly installment interest is calculated using the effective interest method (declining balance).

When will the first installment be billed for my Jenius Credit Card that I Split Pay?

If you convert the transaction into installments with 0% interest, the first installment will be billed on the same date as the conversion date.

If you convert the transaction into installment with an interest rate above 0% (e.g. 1,75%), the first installment will be billed one month after conversion date.

If the installment billing date due on the end of the month (e.g. the 31st), it will also due at the end of the month in the following months (on the 31st, 30th, 29th, or 28th).

What are the installment condition for Jenius Credit Card using Split Pay?

– Monthly installments will be billed through credit card monthly billing statement, according to selected tenure.

– Monthly installments billed will be included in the minimum payment calculation.

– If there’s delinquency for more than 3 (three) due dates, the remaining installments will immediately become due and will be billed in full in the billing statement.

– Installments can only be created if your Available Installment Limit is sufficient.

– If your Available Installment Limit is not sufficient, there are several things you can do:

1. If you still have unused limit in Creditbility, you can reallocate the unused limit to Credit Card limit from the Credit Card page. During the process of converting the transaction into installments on the preview page when selecting a tenor, Jenius will help allocate the limit to the Credit Card limit in increments of IDR 100,000 to meet the required Available Installment Limit.

2. If your Creditbility limit has already been allocated to all credit products, you can reallocate the limit from other credit products (like Flexi Cash or Paylater) to the Credit Card.

3. If all your Creditbility limit has been allocated to credit products and fully used, you can request a limit increase through the call center. If your request is approved, you can then allocate the additional limit to your Credit Card.

4. If your limit increase request is denied, you can cancel an existing installment to free up space for a new one.

How can I see my Jenius Credit Card bill?

The billing recap (e-Statement) is automatically available in the Jenius app and sent to your e-mail on every billing date.

What is billing statement date?

The billing date is the date when the Jenius Credit Card monthly bill is printed and sent to the d-Card holder.

Billing statement is printed and sent between 20th ad 26th of each month.

How do I view my Jenius Credit Card bill from Jenius app?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, scroll to the Billing Information section, then tap View.
• On the Summary page, you can view the information in the Billing Details section or tap the monthly billing statement available in the Billing Information section.

What kind of information available on the Jenius Credit Card billing statement?

• The name of the d-Card holder.
• d-Card number.
• Credit performance which contains information on the status of bill payments.
• Billing information which contains the total and billing print date, due date, and minimum payment information.
• Summary of bills containing total bills and information on d-Card and s-Card bills, installments, interest & fees, and remaining previous bills (if any).
• Yay Points which contains information on the previous month’s points, points earned this month, adjusted points, and points exchanged.
• d-Card transaction history containing the cardholder’s name, credit limit, remaining credit, cash withdrawal limit, remaining cash withdrawal limit, as well as transaction history in chronological order.
• S-Card transaction history which contains the cardholder’s name and transaction history in chronological order.
• Installments containing a list of installments in chronological order with details of the start/end date, description, monthly installment nominal, and the amount of your installment.
• Terms & conditions containing Jenius Credit Card information that you must follow.

What is the billing due date?

The last date on which the d-Card holder must make a bill payment of at least the minimum payment stated on the billing statement.

How do I pay my Jenius Credit Card bill?

There are four ways to pay Jenius Credit Card bills.

• Pay manually from Jenius app.
• Pay automatically from Jenius app.
• Pay from SMBC Indonesia ATM.
• Pay by wire transfer from another bank.

How do I pay my Jenius Credit Card bill manually from the Jenius app?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, look for Billing Information, then tap View.
• Tap Pay Now.
• Input the payment amount, then tap Continue.
• Review the payment confirmation page, then tap Send.
• Enter the Jenius password, then tap Send.
• Jenius Credit Card bill has been paid successfully!

What is auto pay?

Jenius Credit Card bill payment options which enable automatically on the due date according to the payment options (full payment or minimum payment) that have been set.

In order to be debited successfully on the due date, make sure you provide money in the Active Balance according to the payment amount no later than 17.00 WIB.

How do I activate the auto-pay option for my Jenius Credit Card bill?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, select the Billing Information, then tap View.
• Scroll to Automatic Payments, then tap Activate Now.
• Select the type of payment you want to make, then tap Continue.
• Recheck to the payment confirmation page, then tap Send.
• Enter the Jenius password, then tap Send.
• Automatic payment activated successfully!

What happens if my Active Balance is insufficient to be debited on the due date?

Jenius will try it again for the next five days or until the minimum payment has been met even if the option you choose is full payment.

How do I change an ongoing automatic payment setting?

– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, select the Billing Information, then tap View.
– Scroll to Automatic Payments, then tap Activate Now.
– Select the type of payment you want to make, then tap Continue.
– Recheck to the payment confirmation page, then tap Send.
– Input your Jenius password, then tap Send.
– Automatic payment activated successfully!

How do I cancel an ongoing automatic payment setting?

– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, look for Billing Information, then tap View.
– Scroll to the Auto Repayment, then tap Edit.
– Choose Cancel Auto Repayment.
– Review the cancellation confirmation page, then tap Cancel Auto Repayment.
– Input your Jenius password, then tap Submit.
– Auto repayment has been Cancelled.

How do I pay my Jenius Credit Card bill from a SMBC Indonesia ATM?

– Insert the debit card into the SMBC Indonesia ATM.
– Enter the PIN.
– Select the Payment menu, then select Jenius Credit Card.
– Enter the 16 digit d-Card number.
– Input the payment amount.
– Enter the PIN to process the transaction.

How do I pay my Jenius Credit Card bill from another bank?

– Use an ATM machine or mobile banking.
– Select the Interbank Transfer menu.
– Enter SMBC Indonesia bank code (213), then enter the 16 digit d-Card number.
– Input the payment amount.
– Enter the PIN to process the transaction.

What are the terms and conditions for Jenius Credit Card payments via other banks?

– Starting from April 19, 2024, payments of Jenius Credit Card through other banks will incur a service fee of IDR 50,000.
– The service fee is applied to every payment, whether it’s a minimum payment, partial payment, or full payment.
– The service fee payment will be recorded in the Transaction History of the Jenius application and in the billing statement.
– The service fee is not applicable if the payment of Jenius Credit Card is made through the Jenius app.

Are there any special conditions when paying Jenius Credit Card bills?

To avoid late fees and worsening collectibility status, d-Card holders are required to pay at least the minimum payment stated on the monthly e-Statement.

If you have active installments, the installments that are due in that month will be billed in full.

If you have active installments, the installments that are due in that month will be billed in full.

Payment of Jenius Credit Card bills via the Jenius application does not incur any services fees.

How much interest and fees apply to Jenius Credit Cards?

Jenius Credit Card interest follows the regulations from Bank Indonesia.

Information regarding Jenius Credit Card interest and fees can be found here.

What is collectibility on my billing statement?

The collectibility on the billing report shows your credit performance which is divided into five statuses.

• Pass
  Jenius Credit Card billing are paid with an amount that meets or exceeds the minimum billing amount on time or before the due date.
• Special Mention
  Jenius Credit Card bill has not been paid between 1-90 calendar days after the due date has passed.
• Substandard
  Jenius Credit Card billing remains unpaid between 91-120 calendar days after the due date.
• Doubtful
  Jenius Credit Card bill remains unpaid between 121-180 calendar days after the due date or the bank at any time finds an indication that the main card holder does not have good faith to make a Jenius Credit Card payment.
• Loss
  Jenius Credit Card bill remains unpaid for more than 180 calendar days after the due date or the bank at any time finds an indication that the cardholder does not have good faith to make a Jenius Credit Card payment.

What is the Notification Service Fee?

The Notification Service Fee is a charge for the delivery of your credit card transactions notification:
• Successful transactions.
• Cash withdrawal transactions at ATMs.

How much the Notification Service Fee, and when will the fee be billed to me?

The fee charged is IDR10,000 per month and will be billed on the credit card statement print date.

Can I disable notifications/emails?

No. Notifications are automated for transparency and delivering comprehensive information.

Can I request the removal of the Notification Service Fee?

No.

If I don’t make any credit card transactions for a period of 1 month, will I still be charged the Notification Service Fee?

No, the Notification Service Fee only applies when you make new transactions such as retail transactions, e-commerce, recurring transactions, contactless, and cash withdrawals. Specifically, there is no Notification Service Fee charged for converting transactions into installments because they are not considered new transactions.

If I have a limit of IDR10,000,000 and it has been fully utilized for transactions, will the Notification Service Fee still be charged?

Yes, the fee of IDR10,000 will still be charged along with an over-limit fee of IDR200,000.

Can I close my Jenius credit card?

Yes. Just like the simple activation process, you can also cancel your Jenius Credit Card hassle-free.

What requirements do I have to meet to close my Jenius Credit Card?

You can close your Jenius Credit Card if there is no remaining bill. Or, if your bill has been paid

How do I close my Jenius Credit Card?

You can close your Jenius Credit Card by contacting SMBCI Care 1500 365.

Why can’t I close my Jenius Credit Card?

Most likely because there are still bill payments (including unbilled Split Pay) that you have not settled. Jenius Credit Card closing can only be done if all payments have been settled.

Can I close my Jenius Credit Card if there is an unpaid bill?

Not. Payment settlement is a mandatory requirement for closing a Jenius Credit Card.

If I don’t pay my Split Pay bill, will my Jenius Credit Card be closed automatically?

No. The current Split Pay bill will continue to be billed according to the amount and tenor you choose. You can only close your Jenius Credit Card if all your bills are paid off.

Is there a penalty that must be paid if I close my Jenius Credit Card?

No.

How long does it take to close a Jenius Credit Card?

The Jenius Credit Card closing process takes a maximum of 1 x 24 hours of office day since you call SMBCI Care 1500 365.

Is there a notification if my Jenius Credit Card closing process has been completed?

Yes. You will receive an e-mail notification containing an official letter explaining the closing status of your Jenius Credit Card.

Can I request for another Jenius Credit Card after closing one?

No. But you can apply for a new Jenius Credit Card.

I have closed my Jenius Credit Card, why do I still get a billing statement?

If there is a billing error, you can contact SMBCI Care 1500 365 for assistance.

What happens to my s-Card if I close my Jenius credit card?

All s-Cards will be closed automatically after you close your Jenius Credit Card (d-Card).

What happens to my Jenius Credit Card if I close my Jenius account?

All Jenius Credit Cards (including s-Cards) will be closed automatically after you close your Jenius account.

What are Yay Points?

A point you earn after making payments with Jenius Credit Card

How can I earn Yay Points?

You will earn Yay Points for offline or online transaction.
– Domestic transactions worth IDR 10,000 equals 1 Yay Points and multiples apply.
– International transactions and transactions in selected categories are subject to Double Yay (2x Yay Points).

What are the benefits of Yay Points?

– Select and change Double Yay category hassle-free.
– Easily monitor incoming and outgoing points from the Jenius app.
– Simple redemption steps. Redeem points from Jenius app, real time.
– You can save your ID to make it easier to redeem points.

What are the terms and condition for Yay Points?

– Yay Points are calculated rounded down.
– Cash withdrawal transactions, interest, and fees do not earn Yay Points.
– Recurring bill transactions will earn Yay Points.
– International transactions and transactions in selected categories are subject to Double Yay (2x Yay Points).
– Yay Points are valid for 24 months from the date the points were earned and will be expired on the 1st of the following month.

Where can I access Yay Points information in my jenius app?

– Tap Cards on the bottom navigation.
– On the Card Center, tap the Credit Card menu.
– Scroll to the Credit Card Information section, then select Learn more in the Yay Points box.

What are the terms and condition for Double Yay?

– Valid for international purchase transactions with non-Indonesian country codes.
– Valid for transactions with the category that has been selected.
– The grouping of categories follows the Visa Merchant Category Code (MCC).
– Double Yay category can be changed 1x per month after the billing date is printed.
– If a category has not been selected, all domestic transactions will receive Yay Points under normal conditions.

What category options can I choose for Double Yay?

– Beauty & Fashion
– Food & Beverages
– Travel & Leisure
– Groceries

How do I choose the Double Yay category?

‘- Tap Cards on the bottom navigation.
– On the Cards page, select the Credit Card menu, then tap Choose category here.
– Select the most suitable category, then tap Send.
– You have successfully chosen the Double Yay category.

How do I change my Double Yay category?

– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, scroll to the Credit Card Information section, then tap More in the Yay Points box.
– On the Yay Points page, tap the Double Yay Category box.
– Select Change Category.
– Select a new category from the available options, then tap Save.
– Input your Jenius password, then tap Send.
– Double Yay category has been successfully changed!

How does Jenius group the Double Yay categories?

Double Yay categories follow the Merchant Category Code (MCC) set by Visa that you can find here.

Do online transactions earn Double Yay?

Yes. Both online and offline transactions are eligible for Double Yay if they meet the criteria. The conditions for Double Yay are:

– Applies to transactions in foreign currencies.
– Applies to transactions in your selected category.
– Categories are grouped based on the Visa Merchant Category Code (MCC) set by the acquiring bank that provides the EDC.
– You can change your Double Yay category once per month after your billing date.
– If no category is selected, all domestic transactions will earn Yay Points under normal conditions.

Why don’t online transactions on Indonesian marketplaces earn Double Yay?

Currently, online transactions on Indonesian marketplaces do not earn Double Yay because their transaction mechanisms don’t meet the bank’s internal criteria. You’ll be informed once new mechanisms are in place.

How can I tell if my points are Double Yay?

Double Yay points are automatically awarded if your transaction meets the criteria. Currently, Double Yay is granted by awarding the normal point amount twice. You can check your point history by:

– Tap Cards on the bottom navigation.
– Go to Credit Card.
– Scroll to Credit Card Info and tap More Details in the Yay Points box.
– Select View your point transactions.

I met the criteria for Double Yay. Why did I only receive normal points?

At this time, Double Yay points are granted through two separate entries of the normal point amount, totaling Double Yay.

What happens if I haven’t selected the Double Yay category?

You’ll still earn Yay Points under normal terms.

How often can I change my Double Yay category? Are there any limits?

You can change your Double Yay category once a month after your billing date.

I met the criteria for Double Yay. Why did I only receive the normal amount of points?

Currently, Double Yay is granted by awarding the normal point amount twice. You’ll receive Double Yay for transactions in your selected category based on the Visa MCC, once the transaction is posted in your Jenius app.

You can check whether your transaction has been posted by:

– Tap Card in the bottom navigation.
– Select Credit Card.
– Tap the credit card image, then choose Transactions.
– Select the transaction and check the status on its details page.

The bank reserves the right to modify Double Yay category groupings at any time.

What rewards are available?

There are four rewards options available for your Yay Points redemption.

e-Wallet
– Redeem points for GoPay balance.
– Redeem points for OVO balance.

Travel
– Redeem points for Traveloka Points.
– Redeem points for KrisFlyer Miles.
– Redeem points for GarudaMiles
– Redeem points for AirAsia points.
– Redeem points for LinkMiles.

Eat & Shop
– Redeem points for MAPCLUB Points.
– Redeem points for MyEraspace Points.

What are the terms for redeeming Yay Points for e-Wallet rewards?

‘- You must have a minimum of 2,500 Yay Points.
– For redemptions above 10,000 points to GoPay or OVO Cash, the process must be done in multiple separate transactions.
– Redeeming Yay Points to GoPay balance is free of admin fees.
– Redeeming Yay Points to OVO Cash will incur an Rp1,500 admin fee charged by OVO.
– Redemptions to saved GoPay and OVO accounts can be made based on your available points.
– You can save more than one GoPay and OVO account if needed.

How do you redeem Yay Points to a GoPay balance?

– On the Home page, select Your Rewards.
– After enter Rewards page, select Yay Points box.
– Scroll to the E-Wallet section in the Catalog, then tap GoPay Balance.
– Enter the mobile number connected to the Gojek account, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with GoPay balance.

How do you redeem Yay Points to a OVO cash balance?

– On the Home page, select Your Rewards.
– After enter Rewards page, select Yay Points box.
– Scroll to the E-Wallet section in the Catalog, then tap OVO Cash .
– Enter the mobile number connected to the OVO account, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with OVO Cash.

Why is there an admin fee when redeeming Yay Points to OVO Cash?

The IDR1,500 admin fee is charged by OVO and automatically deducted each time you redeem Yay Points to your OVO Cash balance.
The fee remains IDR 1,500, regardless of how many points you redeem.

What are the terms for redeeming Yay Points for Eat & Shop rewards?

– You must have a minimum of 2,500 Yay Points.
– For redemptions above 10,000 points, the process must be done in multiple separate transactions.
– No admin fee will be charged for redemptions.
– You can redeem Yay Points to saved accounts based on your available points.

How do I redeem Yay Points for MAPCLUB Points?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Eat & Shop section in the Catalog, then tap MAPCLUB Points.
– Enter the mobile number connected to the MAPCLUB Points, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with MAPCLUB Points.

How do I redeem Yay Points for MyEraspace Points?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Eat & Shop section in the Catalog, then tap MyEraspace Points.
– Enter the mobile number connected to the MyEraspace Points, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with MyEraspace Points

What are the terms and condition for redeeming Yay Points to Travel rewards?

– After your first redemption, your GarudaMiles, KrisFlyer Miles, LinkMiles, and AirAsia points accounts will be automatically saved in the Jenius app for the next 12 months.
– Yay Points can only be redeemed to one saved GarudaMiles and one saved KrisFlyer Miles account.
– You can only change your saved GarudaMiles or KrisFlyer Miles account once per month.
– You can save more than one Traveloka account if needed.
– There are no fees for redeeming Yay Points to GarudaMiles, KrisFlyer Miles, LinkMiles, AirAsia points, or Traveloka Points.
– Redemptions to saved accounts can be made according to your available points.
– For Traveloka Points, redemptions above 10,000 Yay Points must be made in separate transactions.
– Redemptions to GarudaMiles and KrisFlyer Miles can only be made once per month.

Minimum Yay Points required for Travel rewards redemption:
1. 2,500 Yay Points – Traveloka Points
2. 40,000 Yay Points – KrisFlyer Miles
3. 25,000 Yay Points – GarudaMiles
4. 15,000 Yay Points – LinkMiles
5. 10,000 Yay Points – AirAsia Points

How do I redeem Yay Points for Traveloka Points?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap Traveloka.
– Enter the mobile number connected to Traveloka, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with Traveloka Points.

How do I redeem Yay Points for KrisFlyer Miles?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap KrisFlyer.
– Enter your KrisFlyer Membership ID, first name, and last name, then tap Next.
– Select the number of points you want to redeem, then tap Next.
– Review the redemption confirmation page, then tap Submit.
– Enter your Jenius password, then tap Submit.
–Your Yay Points have been successfully redeemed for KrisFlyer Miles.

What is KrisFlyer ID?

KrisFlyer ID is your identity that has been registered on KrisFlyer. This identity is represented by the KrisFlyer Membership.

Why do I need to provide a first and last name when redeeming KrisFlyer Miles?

A full name (first and last) is required for verification by KrisFlyer to ensure the redemption is processed accurately.

Can I redeem Yay Points for someone else?

Yes, you can redeem Yay Points for someone else’s KrisFlyer Miles account as long as you enter their KrisFlyer Number, first name, and last name correctly.

Make sure the KrisFlyer number, first name, and last name exactly match the information registered in the KrisFlyer app.

If there’s any mismatch in the name or membership number, the redemption will be considered invalid and cannot be processed.

My Yay Points redemption was successful, but why haven’t the miles been added yet?

Redemptions are processed in real time, but if additional data verification is needed, the process may be delayed.

– For redemptions to OVO Cash, GoPay, and Traveloka Points, data verification may take up to 5 business days.
– For redemptions to KrisFlyer Miles, data verification may take up to 15 business days.

How do I redeem Yay Points for GarudaMiles?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap GarudaMiles.
– Enter GarudaMiles number, then select Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
– Review the Yay Points redemption confirmation page, then select Send.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with GarudaMiles.

What is a GarudaMiles number?

Your GarudaMiles number is your registered identity with GarudaMiles. It functions as your membership number.

What is a GarudaMiles number?

Your GarudaMiles number is your registered identity with GarudaMiles. It functions as your membership number.

Can I redeem Yay Points to more than one account?

You can still redeem Yay Points to multiple GoPay and OVO accounts.

However, for security reasons, redemptions to KrisFlyer and GarudaMiles can only be made to one saved account, and it cannot be changed for 365 days.

How do I redeem Yay Points for LinkMiles?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap LinkMiles.
– Enter the email address and name registered with your LinkMiles account, then tap Next.
– Select the number of points you want to redeem, then tap Next.
– Review the redemption confirmation page, then tap Submit.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with LinkMiles.

How do I redeem Yay Points for AirAsia points?

– On the Home page, tap Your Rewards.
– On the Rewards page, select the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap AirAsia MOVE.
– Enter the number and name registered in AirAsia MOVE, then tap Next.
– Select the number of points you want to redeem, then tap Next.
– Review the redemption confirmation page, then tap Submit.
– Input your Jenius password, then select Submit.
– You have successfully redeemed your points with AirAsia MOVE.

How do I track the Yay Points I’ve earned?

– On the Home page, tap Your Rewards.
– Once you’re on the Rewards page, select the Yay Points card.
– Tap View your points transactions.
– Go to the Points In tab to see your point-earning history.
– Tap a transaction to view the details.

How do I track the Yay Points I’ve redeemed?

– On the Home page, tap Your Rewards.
– Once you’re on the Rewards page, select the Yay Points card.
– Tap View your points transactions.
– Go to the Points Out tab, then tap a transaction to view the details.

Why didn’t I earn Yay Points from my Jenius Credit Card transaction?

There are a few reasons why Yay Points might not appear in your Jenius app:
– The merchant or platform used for the transaction experienced technical issues.
– In some cases, Yay Points may not be credited in real time. If that happens, you just need to wait a while for the points to appear in your app.

What should I check to make sure my Jenius Credit Card transactions earn Yay Points?

Here are a few things to keep in mind:
– Yay Points are calculated by rounding down the transaction amount.
– Cash withdrawals, interest, and fees are not eligible for Yay Points.
– Recurring bill payments are eligible for Yay Points.
– Foreign currency transactions and those in selected categories earn Double Yay (2x Yay Points).

Will I earn Yay Points for all Jenius Credit Card transactions at any merchant?

No. As of April 6, 2024, transactions made on business payment and invoice platforms no longer earn Yay Points.

In addition, monthly bill payments and government-related payments through e-commerce platforms are not eligible for Yay Points.

Here are examples of such payments that won’t earn Yay Points:
– PLN (electricity),
– PAM (water),
– Online tax services,
– Customs,
– Immigration fees,
– BPJS (social security),
– Other government-related transactions via e-commerce platforms.

Why don’t transactions on business payment platforms and government-related payments earn Yay Points?

Transactions made on business payment and invoice platforms, as well as government-related and monthly bill payments through merchants or e-commerce platforms, are not eligible for Yay Points.

This is because Jenius wants to focus on maximizing your benefits for transactions that align with your lifestyle preferences—like daily spending and travel categories

Why do my Yay Points need to be adjusted?

Jenius adjusts the Yay Points shown in your app based on your actual transaction activity and how you’ve used your Yay Points.

Why is my Yay Points balance negative?

Jenius adjusts the Yay Points shown in your app based on your actual transaction activity and how you’ve used your Yay Points.

What types of transactions are not eligible for Yay Points?

You will not earn Yay Points from the following types of transactions:
– Transactions made on business payment and invoice platforms
– Monthly bill payments and government-related payments made through merchants or e-commerce platforms
– Cancelled transactions
– Transactions that are classified as fraud based on the bank’s internal criteria

When will my Yay Points balance return to normal?

Your Yay Points balance will return to normal once you’ve earned enough points to cover the previous shortfall. Keep using your Jenius Credit Card to continue earning Yay Points.

Can I only earn Yay Points from credit card transactions?

No. You can earn Yay Points through various methods besides credit card transactions. Make sure to update your app to the latest version to get the most up-to-date information.

If my credit card is inactive, can I still earn Yay Points?

Yes. You can still earn Yay Points even if your credit card is currently inactive or blocked. Make sure to update your app to the latest version to get the most up-to-date information.

Can Yay Points earned outside of credit card transactions be redeemed?

Yes. You can redeem Yay Points as usual, regardless of how you earned them.