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 is eligible to apply for a Supplementary Credit Card?

All existing Jenius credit cardholders are eligible.

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

Adding an s-Card for another Jenius user is easy. Just enter their cashtag and they can manage their card independently through the app.

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

To apply for an additional Jenius credit card, you must be at least 17 years old and meet all applicable credit requirements as determined by Jenius.

Who is eligible to receive a Supplementary Credit Card?

An additional Jenius credit card can be issued to:
1. Existing Jenius users
2. Non-Jenius users (coming soon)

How do I share my Jenius credit limit with another Jenius user?

As a main cardholder Jenius:
– Go to the “Cards” section in your app.
– Once you’re in the Card Center, select the “Credit Card” menu.
– Choose “Create s-Card”.
– Select “Other Jenius user”.
– Enter the cashtag of the intended recipient and specify your relationship, then click “Next”.
– Review the terms and conditions, check the box to agree, and click “Next”.
– Enter your Jenius password and click “Submit”.
– Your s-Card request has been submitted.
– Click “OK” and inform the recipient to confirm the s-Card request in their notification menu.

What steps do I need to take to accept an s-Card that has been given to me?

As a potential supplementary s-Card holder:
– Tap the bell icon in the top right corner of your Jenius app dashboard.
– Select “Confirm” on the s-Card notification.
– Choose your card design, enter your name, confirm your mailing address, and click “Submit”.
– Enter your Jenius password and click “Submit”.
– Your s-Card application is now complete.

How can I add a supplementary s-Card for a non-Jenius user?

As the main cardholder:
– Go to the “Cards” section in your app.
– Select “Credit Card” and then “Add s-Card”.
– Choose “Non-Jenius user”.
– Take a photo of the applicant’s ID.
– Complete the personal information form and submit.
– Review the terms and conditions and submit your request.

How long does it take to process a supplementary s-Card application?

It usually takes up to 1 business day to process a supplementary s-Card application.

Why was my supplementary card (s-Card) application rejected?

There could be several reasons for your application being rejected, such as the applicant not meeting our internal bank requirements or not being at least 17 years old.

What should I do after my supplementary s-Card application is approved?

You need to activate your supplementary s-Card to use it for both online and offline transactions.

Why do I need to activate the supplementary s-Card after my application is approved?

Activation is required to verify your identity, confirm the card details, and set the spending limit. It also ensures the security of your card.

Who can activate a Supplementary Credit Card?

Supplementary Jenius credit cards can only be activated by the main cardholder.

How do I activate my new supplementary Jenius credit card?

As a Jenius main cardholder, you can activate your additional credit card by following these steps:
– Go to the “Cards” section in your app.
– Then select “Credit Card”.
– Tap on “Supplementary Credit Card”.
– Review the card design, name on the card, and confirm the mailing address.
– Review the terms and conditions, check the box to agree, and click “Submit”.
– Enter your Jenius password and click “Submit”.

What should I do after activating my supplementary Jenius credit card?

Once activated, your virtual card is ready for online purchases. Your physical card will be delivered to your address shortly.

What is a s-Card?

A supplementary card is an additional credit card that shares the same credit limit as your primary d-Card. You can create up to 5 s-Cards.

When can I start using my s-Card?

Once activated, your virtual s-Card is immediately available for online transactions. Your physical card will be delivered to your address shortly. Please activate the physical card as soon as you receive it. You can find the activation steps here.

What is the estimated delivery time for the s-Card?

You can expect to receive your s-Card within 3 business days for Jakarta and its surrounding areas, and within 7 business days for other regions.

Where can I find the CVV and expiration date for supplementary Jenius card?

For security reasons, you can only view the CVV and expiration date of your Jenius credit card through the Jenius app.

How can I view the CVV and expiration date of my supplementary Jenius card?

To view the CVV and expiration date of your additional Jenius credit card, please follow these steps:
– Go to the “Cards” section in your app.
– Once in the Card Center, select the “Credit Card” menu.
– Tap on your Jenius credit card.
– Enter your Jenius password and click “Submit”.
– The expiration date and CVV will be displayed on the screen.
– Tap to copy the card number.

Why do I need to activate my physical s-Card?

Activating your physical s-Card allows you to use it for offline transactions, including cash withdrawals.

How do I activate my physical s-Card (additional credit card)?

As the primary cardholder, you can activate the physical s-Card by following these steps:
– Go to the “Cards” tab at the bottom of your screen.
– In the Card Center, select the “Credit Card” menu.
– Tap the three dots next to the s-Card you want to activate.
– Choose “Activate Physical Card”.
– Scan the QR code on the mailer.
– Create a PIN, confirm it, and click “Next”.
– Enter your Jenius password and click “Submit”.
– Your physical s-Card is now activated!

What are the requirements to activate a physical s-Card?

You need to scan the QR code on the s-Card mailer to activate the physical card.

What should I do if I lose the mailer for my physical s-Card?

If you’ve lost your mailer, contact SMBCI Care at 1500 365 to request a new QR code.

How soon will I receive the QR code in my email after contacting SMBCI Care?

You will receive the QR code for activation in your registered Jenius email on the same day.

How do I activate my physical s-Card using the QR code I received via email?

To activate your physical s-Card:
– Go to the “Cards” section in your app.
– Select the s-Card you want to activate.
– Scan the QR code from your email.
– Create a PIN for your physical s-Card.
– Enter your Jenius password and click “Submit”.
– Your physical s-Card is now activated!

Can I use my physical s-Card immediately after activation using the QR code from my email?

Yes, you can use your physical s-Card immediately after activation using the QR code from your email. For assistance activate s-Card, you can contact SMBCI Care at 1500 365. For security reasons, activating your physical s-Card through Jenius Help may take up to 24 business hours for data verification.

Where can I use my s-Card (supplementary credit card)?

You can use your s-Card for both online and offline transactions.

Can I use my s-Card for overseas transactions?

Yes, you can use your Jenius credit card for both offline transactions abroad, including cash withdrawals, and online transactions with international merchants.

What are the benefits of using my s-Card for overseas transactions?

You can enjoy contactless payments at any Visa merchant worldwide and earn double Yay Points.

Will I receive a notification every time I use my s-Card?

Yes, you will receive a notification in your Jenius app and email for every transaction made with your Jenius credit card.

Where can I view my s-Card transaction history?

You can view your transaction history in the “Transactions” section of your s-Card.

How can I view my s-Card transaction history?

To view your s-Card transaction history:
– Go to the “Cards” section in your app.
– Select your Jenius credit card.
– Tap on the “Transactions” tab.
– You can view the details of each transaction.

Will my s-Card transaction history be stored in the Jenius app forever?

No, the transaction history is only stored for the past 6 months.

Will my s-Card transactions be recorded in In & Out and Moneytory?

No, s-Card transactions are not recorded in In & Out or Moneytory.

What is the spending limit?

The spending limit is the amount you can allocate from your main Jenius credit card to each additional s-Card. This spending limit is shared with your main card’s limit.

What are the rules for spending limits?

– The spending limit is a part of the overall limit of your main Jenius credit card and doesn’t have an independent limit.
– The spending limit is shared, meaning the available limit for your additional cards will be affected by the usage of your main card.
– The set limit cannot be lower than the minimum product limit, which is Rp2,000,000 for credit cards.
– The set limit cannot be lower than the current usage of the card.
– The spending limit cannot exceed the limit of your main Jenius credit card.

Can I change the spending limit?

Yes, as the main cardholder, you can reallocate the credit limit as needed through the Jenius app.

What is the per-transaction spending limit?

The per-transaction spending limit is the maximum amount you can spend in a single transaction with your supplementary Jenius credit card.

Why can’t I change the ATM withdrawal limit for my supplementary card?

Unlike the Jenius debit card, you cannot set a daily withdrawal limit for your supplementary credit card. However, you can still withdraw cash at ATMs (if the transaction is enabled) up to 30% of your set credit limit. The remaining withdrawal limit is shown on the d-Card details page.

What are the requirements for a temporary increase in the spending limit for a supplementary credit card?

Unlike the main Jenius credit card, you cannot request a temporary increase in the spending limit for a supplementary card. However, as the primary cardholder, you can adjust the allocated limit for your supplementary cards.

How can I convert an s-Card transaction into installments using Split Pay?

As the main cardholder, you can convert an s-Card transaction into installments by following these steps:
– Go to the “Cards” section in your app.
– Select your s-Card.
– Go to the “Transactions” tab.
– Find the transaction you want to convert and select it.
– Choose “Convert to Installments”.
– Select your desired installment period.
– Review the details and confirm.
– Enter your Jenius password and submit.

How can I stop or make an early payment on my s-Card installments?

To stop or make an early payment on your s-Card installments:
– Go to the “Cards” section in your app.
– Select your s-Card and go to the “Split Pay” section.
– Choose the installment you want to stop. Select “Stop”.
– Review the remaining balance and confirm.
– Enter your Jenius password and submit.

Are there any additional fees if I make an early payment on my s-Card installments?

Yes, there is a prepayment fee of 3% of the remaining principal balance for early settlement. This fee will be reflected in your next bill.

How can I view my s-Card (supplementary credit card) bill?

Your s-Card bill is combined with your main Jenius credit card bill. You can find it in the Jenius app or in your email on the billing statement date.

How can I pay my s-Card bill?

You can pay your s-Card bill together with your main Jenius credit card bill using these methods:
1. Through the Jenius app.
2. At an SMBC Indonesia ATM.
3. By transferring funds from another bank.

How can I make a manual payment for my s-Card bill?

To make a manual payment for your s-Card bill:
– Go to the “Cards” section in the Jenius app.
– Select your credit card and go to the “Billing” section.
– Choose “Pay Now”.
– Select the desired payment amount and confirm.

How can I pay my s-Card bill at an SMBC Indonesia ATM?

– Insert your debit card into an SMBC Indonesia ATM.
– Enter your PIN.
– Select “Payments” and then “Jenius Credit Card”.
– Enter your 16-digit s-Card number.
– Enter the payment amount.
– Enter PIN and done

How can I pay my s-Card bill through a transfer from another bank?

– Use your bank’s ATM or mobile banking.
– Select “Interbank Transfer”.
– Enter the SMBC Indonesia bank code (213) and your 16-digit s-Card number.
– Enter the payment amount.
– Confirm the transaction.

What are the terms and conditions for paying my s-Card bill through another bank?

Your s-Card bill is part of your main Jenius credit card bill.
– There is a Rp 50,000 fee for payments made through other banks starting from April 19, 2024.
– This fee applies to all payments, regardless of the amount.
– The fee will be reflected in your transaction history and bill statement.
– To avoid fees, pay your bill through the Jenius app.

Are there any specific requirements for paying my s-Card bill?

Your s-Card bill is combined with your main Jenius card bill. Make sure to pay at least the minimum amount due to avoid late fees. If you have any ongoing installments, pay the full amount due for that month.

What is the monthly s-Card fee?

The monthly s-Card fee is a fee charged each month for every additional credit card you have.

How much is the monthly s-Card fee and when will it be charged?

The monthly fee is Rp25,000 and will be charged on your monthly credit card statement.

What are the Yay Points terms for s-Cards (supplementary credit cards)?

Yay Points earned from s-Card transactions will be added to the main cardholder’s Yay Points balance. The earning rules for Yay Points will follow the existing terms and conditions.

What are the Double Yay terms for s-Cards?

The s-Card holder cannot have different Double Yay categories than the main cardholder. Double Yay Points earned from s-Cards will be added to the main cardholder’s Yay Points balance. The rules for earning Double Yay Points will follow the existing terms and conditions.

How can I track the Yay Points I earn from my s-Card?

– Go to the “Cards” section in your app.
– Select your credit card and go to the “Card Information” section.
– Tap “More” under the Yay Points box.
– Select “View point transactions”.
– Check your earned points under the “Points In” tab.

Can I close my s-Card?

Yes, you can close your supplementary s-Card through the Jenius app.

What are the requirements to close a s-Card?

Only the main cardholder can close a supplementary s-Card through the Jenius app.

How do I close a s-Card?

Only the main cardholder can close a s-Card:
– Go to the “Cards” section in your app.
– Select the s-Card you want to close.
– Tap the three dots and choose “Close Card”.
– Confirm the closure.
– Enter your Jenius password and submit.

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

If you close your primary Jenius account, all your supplementary s-Cards will also be closed.