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 gets the Jenius Credit Card offer?

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

• Jenius user with active Flexi Cash can activate directly.
• Jenius users whose Flexi Cash is not yet active must submit an application to activate.

User without active Flexi Cash and new Jenius user can also apply for Jenius Credit Card.

Where can I see Jenius Credit Card offers?

• Updates for You box on Home page.
• Credit menu on the Wealth page.
• Credit Card menu on Cards page.

What is the benefit from the Jenius Credit Card offer?

You do not have to apply to activate your Jenius Credit Card.

I got an offer, how to activate my Jenius Credit Card?

• Tap the Jenius Credit Card banner on the Updates for You box.
• Review the information provided, then tap Next.
• Tap Accept Offer on the last information page.
• On the Card Center, tap Accept Offer.
• Recheck the submission data which consists of personal data, residential address, income information, employment information, and information on your close relative.
• Put a check mark to confirm your data, then tap Continue.
• Set the credit limit allocation then tap Continue.
• Choose card design, specify the name to be included on the card, confirm the delivery address, then tap Send.
• Review the terms and conditions and fee information, tick as approval, then select Submit.
• Input your Jenius password, then tap Send.
• Continue application process by tapping Explore Now.
• Review the information provided, then tap Next.
• On the last information page, tap Done.
• Finish the process by tapping Select Double Yay Category.
• Specify the appropriate category, then tap Send.

After completing the activation process, can I use Jenius Credit Card for transactions?

Yes. You can use the virtual card for online transactions immediately while waiting for the physical card to be sent to your address.

Why can’t I find Jenius Credit Card offers in my Jenius app?

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

If my Flexi Cash is still not active, will I get a Jenius Credit Card offer?

No. You will get a Jenius Credit Card offer after succesfully activating Flexi Cash.

Where can I see the invitation to apply for a Jenius Credit Card?

• Updates for You box on Home page.
• Credit menu on the Wealth page.
• Credit Card menu on Cards page.

Why can’t I find an invitation to apply for a Jenius Credit Card in my Jenius app?

The invitation to apply for a Jenius Credit Card is only valid for Jenius users who meet the following conditions.

• Have an active Jenius account.
• Minimum age of 21 years.
• Has a minimum income of IDR 3,000,000.
• Meet other requirements according to Jenius credit policies and applicable regulations.

When submitting, there are different steps for users whose credit mutations for the last three months are below IDR 10,000,000 and users whose credit mutations for the last three months are above IDR 10,000,000.

How do I apply for a Jenius Credit Card if my last three months credit mutation is below IDR 10,000,000?

• In the Updates for You box on the Home page, tap the Jenius Credit Card banner.
• Review the two informations provided, then tap Next.
• Tap Apply Now on the last information page.
• Complete your Personal information, then tap Next.
• Confirm your residential and correspondence address, then tap Next.
• Complete your income information along with income source and monthly income, upload your income proof, then tap Next.
• Confirm job information, then tap Next.
• Complete information on your close relative, tap the check mark , then tap Send.
• Review consent for data analysis and verification, tick as approval, then select Continue.
• Input your Jenius password, then select Send.
• The Jenius Credit Card application has been successfully sent.
• Tap OK and wait for confirmation from Jenius!

What are the documents needed to apply for a Jenius Credit Card?

Income proof, Last 3 months of e-statement, SPT.

How do I apply for a Jenius Credit Card if my last three months credit mutation is above IDR 10,000,000?

• In the Updates for You box on the Home page, tap the Jenius Credit Card banner.
• Review the two informations provided, then tap Next.
• Tap Apply Now on the last information page.
• Confirm your residential and correspondence address, then tap Next.
• Confirm job information, then tap Next.
• Complete your close relative’s information, review consent for data analysis and verification, tick as approval, then select Send.
• Review consent for data analysis and verification, tick as approval, then tap Continue.
• Input your Jenius password, then select Send.
• The Jenius Credit Card application has been successfully sent.
• Tap OK and wait for confirmation from Jenius!

After submitting, how long does the Jenius Credit Card verification process take?

Verification process takes up to 2 working days (maximum). The verification process may take longer if your income documents are incomplete.

After the Jenius Credit Card application is accepted, what should I do?

Immediately do the activation according to the following guidelines.

• Tap Cards on the bottom navigation of the screen.
• After entering the Card Center, tap the Credit Card menu, then tap Accept Offer.
• Choose the card design, specify the name to be included on the card, confirm the delivery address, then tap Continue.
• Review the terms and conditions and fee information, tick as approval, then tap Submit.
• Input your Jenius password, then tap Send.
• Continue the process by tapping Explore Now.
• Check the information provided, then tap Next.
• On the last information page, tap Done.
• Continue the process by tapping Select Double Yay Category.
• Specify the appropriate category, then tap Send.

Why is 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 rules is only allowed to have credit cards from 2 different banks (maximum).

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 Jenius Help 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 to view the CVV code and validity information of the Jenius Credit Card?

• Tap Cards on the bottom navigation of the screen.
• On the Card Center, tap the Credit Card menu, then tap the d-Card or s-Card you want to see the details.
• Input your Jenius password, then tap Send
• Pay attention to the information on the card number and CVV code.

You can tap the card number to copy.

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 to view transaction history with Jenius Credit Card?

• Tap Cards on the bottom navigation of the screen.
• Select Credit Card menu in Card Center, then tap the d-Card or s-Card you want to view transactions.
• Select the Transaction menu.
• Pay attention to the history of available transactions. Tap the 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.

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 withdrawal limit at the ATM?

Unlike debit cards, you cannot set a daily withdrawal limit at ATMs for credit cards.

Yet, you can still use your d-Card or s-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 Withdrawal Credit Limit is available on the d-Card and s-Card Details pages.

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

Call Jenius Help 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).

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 Card Center, 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 terms and conditions for 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 a transaction with a Jenius Credit Card into installments?

• Tap Cards on the bottom navigation.
• In the Card Center, tap the Credit Card menu, then select the d-Card or s-Card you want to set.
• Tap the Transaction menu.
• Check the transaction history, find transactions with the Installment available label, then tap the transaction that you want to convert into installments.
• Tap Change to Installment.
• Set the installment tenor, then tap Continue.
• On the confirmation page, recheck the information, review the terms & conditions, put a check mark for approval, then tap Submit.
• Input your Jenius password, then tap Send.
• You have successfully converted the transaction into installments!

How do I add more Jenius Credit Card transaction to convert into installments?

• Tap Cards on the bottom navigation.
• In the Card Center, tap the Credit Card menu, scroll to the credit card information section, then tap More on the Split Pay.
• Tap the Split Pay menu.
• On the Split Pay menu, tap Add Installment.
• Choose the card intended.
• Choose the transaction you want to convert.
• On the tenor option part, tap the arrow, then choose tenor.
• Review the information then tap Next.
• Review the information page, put a check mark for approval, then tap Send.
• Input your Jenius password, then tap Submit.
• Installment has been succesfully created.

How do I stop/make an early repayment for my Jenius Credit Card installments?

• Tap Cards on the bottom navigation.
• In the Card Center, tap the Credit Card menu, scroll to the credit card information section, then tap More on the Split Pay.
• Tap the Split Pay menu.
• On the Installment list, choose the intended installment.
• On the installment details, tap Stop.
• Review the stop installment information, tap Next.
• On the confirmation page, tap Send.
• Input your Jenius password, then tap Submit.
• Installment has been stopped.

How do I view my Jenius Credit Card installment list?

From the Billing Information box

• Open the Jenius app, then tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, scroll to the Billing Information section, then tap View.
• Tap the Split Pay menu to see the Total Installment and your Installment List.

From the Credit Card Information box

• Open the Jenius app, then tap Cards on the bottom navigation.
• On the Card Center, select the Credit Card menu, scroll to the Credit Card Information section, then tap More in the Split Pay box.

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 BTPN 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!

Can I pay someone else’s Jenius Credit Card Bill?

No. Jenius Credit Card holders can only pay their own credit card bills and cannot pay other people’s Jenius Credit Card bill.

Is there a way for me to pay for someone else’s Jenius Credit Card bill?

Because you cannot oay someone else’s Jenius Credit Card bill, you can send money to the credit card user’s Active Balance so that he can pay his Jenius Credit Card bill.

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 Card Center, tap the Credit Card menu, look for Billing Information, then tap View.
• Scroll to the Auto Repayment, then tap Edit.
• Tap the intended repayment option, then tap Save.
• Review the payment confirmation page, then tap Send.
• Enter the Jenius password, then tap Send.
• Jenius Credit Card bill has been paid successfully!
• On the confirmation page, put a check mark for approval, then tap Send.
• Enter the Jenius password, then tap Submit.
• Auto repayment has been set.

How do I cancel an ongoing automatic payment?

• Tap Cards on the bottom navigation.
• On the Card Center, 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.
• Enter the Jenius password, then tap Submit.
• Auto repayment has been Cancelled.

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

• Insert the debit card into the BTPN 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 BTPN bank code (213), then enter the 16 digit d-Card number.
• Input the payment amount.
• Enter the PIN to process the transaction.

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.

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.

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?

– 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 are the Double Yay categories?

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

How to choose the Double Yay category?

– Tap Cards on the bottom navigation.
– On the Card Center, 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 the Double Yay category?

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

How does Jenius group the Double Yay categories?

The Double Yay category grouping follows Visa’s Merchant Category Code (MCC).

Where can I see Double Yay category breakdown information?

You can see further information regarding the Double Yay category grouping here.

Are online transactions also entitled to Double Yay?

Yes. Online and offline transactions will get Double Yay if they meet the terms and condition. The following are the terms of 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.

Why don’t online transactions in the Indonesian marketplace get Double Yay?

Currently, online transactions in the Indonesian marketplace have not received Double Yay because the transaction mechanism does not meet the bank’s internal criteria. You will get information about this when the new mechanism is provided.

How do I know that the points I got are Double Yay?

Double Yay is automatically earned if your transaction meets the terms and conditions. Currently, Double Yay points are given using the normal point nominal mechanism twice. You can check incoming points with the following steps:

– 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.
– Tap See point transactions.

I have meet the conditions for Double Yay, why do my points count as normal?

Currently, points that meet the Double Yay terms and conditions are given using a mechanism of sending the normal nominal points twice with accumulation according to Double Yay.

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

You will still get points according to normal conditions.

How many times can I change the Double Yay category? Are there any limitations?

The Double Yay category can be changed once per month after the billing statement date.

I have met the criteria to get a Double Yay. Why do I get only normal point amount?

Currently, the Double Yay program can be seen by increasing the normal number of points twice. You can double-check the list of incoming points by tapping on See Point Transactions with the following steps:

– Select Cards on the bottom navigation.
– select the Credit Card menu from the Card Center.
– Scroll to the Credit Card Information section, then select Learn more in the Yay Points box.
– Tap See Point Transactions.

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

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

– Make sure you have min. 2,500 Yay Points.
– Redemption to GoPay balance is free of admin fee.
– Redemption to OVO Cash balances is subject for an admin fee of IDR 1,500 from OVO.
– You can redeem Yay Points to your saved GoPay, and OVO accounts according to your points availability.
– You can save more than 1 GoPay and OVO account as needed.

How do you redeem Yay Points to a GoPay balance?

– On the bottom navigation, tap Cards.
– On the Card Center, tap Credit Card menu,
– Scroll to the Credit Card Information section, then tap More on the 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 tap Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Next.
– 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 balance?

– On the bottom navigation, tap Cards.
– On the Card Center, tap Credit Card menu,
– Scroll to the Credit Card Information section, then tap More on the 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 tap Next.
– Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Next.
– 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 redeeming to OVO Cash balances subject to an admin fee?

An admin fee of IDR 1,500 is charged by OVO and is automatically deducted every time you make a redemption.
Regardless of the number of Yay Points redeemed, the admin fee is still IDR 1,500.

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

– Make sure you have min. 2,500 Yay Points for redemption to Traveloka Points.
– Make sure you have min. 30,000 Yay Points for redemption to KrisFlyer Miles and 15,000 Yay Points for redemption to GarudaMiles.
– Ensure your minimum average monthly balance is IDR100,000,000 to redeem Yay Points for GarudaMiles and KrisFlyer Miles.
– After the first redemption, your GarudaMiles and KrisFlyer Miles accounts will automatically be saved in the Jenius application for the next 1 year.
– Yay Points redemption can only be made to 1 saved GarudaMiles and KrisFlyer Miles account.
– Changes to saved GarudaMiles and KrisFlyer Miles accounts can only be made once a year.
– You can save more than 1 Traveloka account as needed.
– Redemption to GarudaMiles, KrisFlyer Miles, and Traveloka points are free of any additional charge/fee.
– You can redeem Yay Points to your saved GarudaMiles, KrisFlyer Miles and Traveloka Points accounts according to your points availability.

How do I redeem Yay Points for KrisFlyer Miles?

– On the bottom navigation, tap Cards.
– On the Card Center, tap Credit Card menu, scroll to the Credit Card Information section, then tap More on the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap KrisFlyer.
– Enter the ID KrisFlyer Membership, given name, and family name, 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 tap Submit.
– You have successfully redeemed your points with 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.

How do I redeem Yay Points for Traveloka Points?

– On the bottom navigation, tap Cards.
– On the Card Center, tap Credit Card menu, scroll to the Credit Card Information section, then tap More on the Yay Points box.
– Scroll to the Travel section in the Catalog, then tap Traveloka.
– Enter the phone number that is registered on your 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 tap Submit.
– You have successfully redeemed your points with Traveloka Points.

How do I monitor the Yay Points that I have?

– Tap Cards on the bottom navigation.
– On the Card Center, tap the Credit Card menu,
– Scroll to the Credit Card Information section, then tap More in the Yay Points box.
– Tap View your points transactions.
– Review the points incoming history.
– Tap Points Redeemed to see details.

How do I keep track of the Yay Points I redeem?

– Tap Cards on the bottom navigation.
– On the Card Center, tap the Credit Card menu,
– Scroll to the Credit Card Information section, then tap More in the Yay Points box.
– Tap View your points transactions.
– Tap Outgoing menu, choose the transaction to see details.

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 Jenius Help 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 Jenius Help 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 Jenius Help 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.