What should I do if I lost my Jenius Debit Cards (m-Card and x-Cards)?
You can temporarily block until your Jenius Debit Card is found or can permanently block your Jenius Debit Card if it is completely lost. A new debit card will automatically be delivered to your correspondence address that has been registered to your Jenius account.
Is there a limit to the number / quota of permanent blocking of Jenius Debit Cards?
The quota limit for permanent blocking of Jenius Debit Cards (m-Card, e-Card, x-Card) is 2 times per month for each card you have. This quota will be updated every month.
Where can I see my permanent block quota?
The quota can be seen on the first page of the Card Center feature when you want to permanently block the card.
My card’s permanent block quota has run out, what should I do?
You can temporarily block. When your quota has been updated in the following month, please do a permanent block.
Are there any fees for permanently blocking a Jenius Debit Cards?
Yes, there are. When you permanently block a card, a new card will be issued. The card replacement fee for permanently blocking a card is IDR 50,000 for m-Card, e-Card, x-Card, and GPN x-Card. This fee will be deducted from your Active Balance.
Can I integrate my Jenius Debit Card for third-party services like online transport or AppStore?
Yes, you can register the card number, CVV code and the expiry date of your Jenius Debit Card, especially e-Card, to any third-party services you use. To view the e-Card information, follow these steps:
1. Open the Jenius app.
2. Select Card Center menu.
3. Select e-Card.
4. Select view CVV code.
5. Enter the Jenius password.
6. Select Submit.
7. Touch to copy the card number.
8. Write down the CVV code and expiry date card.
Why is the exchange rate I get when making transactions with my Jenius Debit Card using Active Balance different from the rate I see?
Visa applies an additional fee for foreign currency conversion. This fee is why the exchange rate you get is slightly different from the rate shown in the Jenius app.
How can I find out the exchange rate used when making transactions with my Jenius Debit Card using Active Balance?
The exchange rate Jenius uses for transactions using Active Balance follows the rate set by Visa. You can check the details of this rate in the Transaction History section of the Jenius app.
Does this also apply if I make transactions using the Foreign Currency Balance feature at Jenius?
No, this fee does not apply if you use the Foreign Currency Balance feature at Jenius.
How much is the transaction fee for using Jenius Debit Card abroad?
All transactions abroad using Jenius Debit Card use Visa network, therefore, you will be charged with fee based on Visa rate. For cash withdrawal transaction at ATM machine, you will be charged IDR25,000 per transaction. For checking account balance at ATM machine, you will be charged IDR5,000 per transaction.
What should I do if I forgot my Jenius Debit Card PIN?
Jenius Debit Card PIN can be changed directly from Card Center feature inside your Jenius app.
What is the minimum initial deposit that I must top up to a Jenius Debit Card?
There is no initial deposit that you must top up to your Jenius Debit Cards.
Can I use Jenius Debit Cards for Visa Contactless payment?
Yes, you can use Jenius Debit Cards for Visa Contactless payment. Please note that you can only use m-Card and x-Card with Visa logo. You cannot use GPN x-Card for Visa Contactless.
How to make Visa Contactless payment using Jenius Debit Cards?
You just need to tap your Jenius Debit Cards (m-Card or x-Card with Visa logo) onto a payment machine when you’re shopping in-store. Make sure the store has a contactless symbol. You don’t have to input your PIN.
How much is the Visa Contactless transaction limit?
Visa Contactless transaction limit divides into domestic and international limits. For the domestic limit within the Indonesia area, the maximum amount is IDR1,000,000 per transaction.
For transactions outside Indonesia, the limit depends on each country or maximum amount is IDR3,000,000 (equivalent) per transaction.
If your transaction exceeds the maximum amount, you have to dip or swipe your card on an EDC machine and input your PIN.
Is there an additional fee for Visa Contactless payment?
No. There’s no additional fee for Visa Contactless payment.
Which stores that accept Visa Contactless payment?
Visa Contactless payment is acceptable at any stores around the world that have contactless symbols.
Can Jenius Debit Cards be linked to an e-wallet in China?
Yes. You can link m-Card with e-wallets in China, such as Alipay and WeChat Pay.
Is there any terms and condition to request m-Card?
You can request your m-Card when there’s a minimum IDR 500,000 in your account. Don’t worry, you can use this balance later after you submit your request.
Can I use Jenius features if I don’t have an m-Card?
As long as your account is active, you can still create multiple savings on Save It, transfer money and pay your bills through Send It, top-up your e-Wallet, pay with QR, and make online transactions with e-Card.
However, without m-Card, you can’t withdraw cash from ATM, make offline transactions on merchants, and have a Foreign Currency Balance.
If I already have a Jenius account, do I still need to have an m-Card?
You can still use the Jenius app, but you won’t be able to maximize specific features, especially the Jenius payment features. By having and activating the m-Card, you can make transactions more easily and securely with various payment options and card settings control through the app.
– Withdraw cash and make offline/online transactions worldwide in Indonesian Rupiah and 9 other foreign currencies.
– Adjust limits, change your PIN, and even request a card replacement directly from the app with no additional costs.
What if I’d like to make online transactions with a Visa debit card?
You can use our e-Card for online transactions. Don’t forget to top up your e-Card balance and make sure they’re sufficient to pay your purchases.
Learn more about Insufficient Funds Fee.
Should adding IDR 500,000 be done in one transfer?
No. You can add your balance as many times as you want, as long as the total balance would be IDR 500,000.
Learn how to add balance to a Jenius account.
Can I print my m-Card at Jenius booth?
If you register and activate your account at Jenius booth, you can choose to print your m-Card there by following these steps:
1. Open the Card Center menu in Jenius app
2. Select Request m-Card
3. Choose Self-print
What if my m-Card failed to print at Jenius booth?
If unfortunately that happens, you can switch to sending the m-Card to your mailing address by following these steps:
1. Open the Card Center menu in Jenius app
2. Select Request m-Card
3. Choose Sent by Mail
Please note that you can only change the shipping method 1 hour after you select to print your m-Card at booth.
Will I receive the information on the temporary Jenius Debit Cards PIN through mail/post/courier?
No. PIN won’t be sent to you via mail/post/courier. You can create your own ATM PIN for your Jenius Debit Cards right from Jenius app once you’ve received the physical cards.
If I already have a Jenius account, do I still need to have an m-Card?
You can still use the Jenius app, but you won’t be able to maximize specific features, especially the Jenius payment features. By having and activating the m-Card, you can make transactions more easily and securely with various payment options and card settings control through the app.
– Withdraw cash and make offline/online transactions worldwide in Indonesian Rupiah and 9 other foreign currencies.
– Adjust limits, change your PIN, and even request a card replacement directly from the app with no additional costs.
Can I print my m-Card at Jenius booth?
If you register and activate your account at Jenius booth, you can choose to print your m-Card there by following these steps:
1. Open the Card Center menu in Jenius app
2. Select Request m-Card
3. Choose Self-print
What if my m-Card failed to print at Jenius booth?
If unfortunately that happens, you can switch to sending the m-Card to your mailing address by following these steps:
1. Open the Card Center menu in Jenius app
2. Select Request m-Card
3. Choose Sent by Mail
Please note that you can only change the shipping method 1 hour after you select to print your m-Card at booth.
How long is the delivery of Jenius Debit Cards?
The Main Jenius Debit Card (m-Card) will be delivered to your mailing address within 3 business days (for Jabodetabek) or 7 business days (for outside Jabodetabek) since your m-Card request is confirmed. If you still haven’t received your m-Card, please contact SMBCI Care at 1500 365 to find out the delivery status.
Will the money I deposit in Jenius Debit Cards receive interest?
Yes, the money you deposit in m-Card will receive 0.5% interest rate p.a, however, there’s no interest in e-Card and x-Card.
Will I receive the information on the temporary Jenius Debit Cards PIN through mail/post/courier?
No. PIN won’t be sent to you via mail/post/courier. You can create your own ATM PIN for your Jenius Debit Cards right from Jenius app once you’ve received the physical cards.
Can I use the same PIN number for my Jenius Debit Card and Jenius app?
You can, but to make your account more secure, we suggest you have two separate PIN numbers for your Jenius Debit Card and Jenius app.
Can I change the name written on my Jenius m-Card?
No, you can’t change the name that is already printed on your Jenius m-Card.
If I permanently block my m-Card, can I still make transactions using Jenius?
Yes, you can still make transactions with Jenius by using cardless payment methods such as Jenius QR and Jenius Pay even if your m-Card is permanently blocked. However, you can’t use payment methods with m-Card including online/offline transactions in Indonesian Rupiah and foreign currency.
Could you inform me on the list of e-Commerce that is willing to accept payments with Jenius Debit Cards Visa?
e-Card can be used in every e-commerce sites that accepts Visa as a payment method, including service providers such us Uber, Spotify, Netflix, iTunes, etc.
How do I review my e-Card transaction history?
To see your e-Card transaction history, open your Jenius app and go to Cards page from the bottom navigation, then tap the e-Card and open the Transactions menu.
Can I change my x-Card name?
Yes, you can. Your x-Card name can be changed through Card Center and can be adjusted based on the specific needs for the x-Card itself. Remember, the name won’t be printed on the physical x-Card but will only be shown inside the Jenius app.
Can I make 3 (three) x-Cards at the same time?
Yes, you can. However, it is most likely for the cards to arrive in a different time since they are not delivered in one package.
Can I replace any of the 3 x-Cards I’ve owned?
Yes, you can request a new x-Card if you remove one of the previously unused x-Cards.
Is there any fees for making an x-Card?
Yes, there is. The fee for requesting an x-Card is IDR 50,000 and will be withdrawn directly from your Active Balance.
How do I create a GPN (National Payment Gateway) debit card in Jenius?
1. Choose Card Center menu.
2. Choose Create x-Card.
3. Choose the blue GPN x-Card and submit a name you preferred for your card.
4. Choose Create A New Card.
The Jenius Debit Card will be sent as soon as possible to your correspondence address. If more than 3 business days (for Jabodetabek) or more than 7 business days (for outside Jabodetabek) since you requested a new card, you still haven’t received your Jenius Debit Card, please contact SMBCI Care at 1500 365 to find out the status of your debit card delivery.
What is the difference between Jenius x-Card GPN and Jenius x-Card Visa?
The GPN Jenius x-Card is used to carry out any non-cash transactions domestically. The GPN (National Payment Gate) will also reduce transaction costs imposed on customers when using EDC machines from different banks.
Jenius x-Card with the Visa logo uses international non-cash transaction processing services that you can use to conduct banking transactions in almost all countries in the world.
Can I choose a GPN debit card other than the blue one?
No, you can only choose the blue x-Card as your Jenius Debit Card with the GPN logo.
Is there a difference in administration fees or card blocking fees on a GPN debit card?
No, the cost of blocking cards on Jenius Debit Cards with the GPN logo is no different from Jenius Debit Card with a VISA logo.
Is there any fees for making an GPN x-Card?
Yes. The fee for requesting a GPN x-Card is IDR 50,000 which will be withdrawn directly from your Active Balance.
My Jenius Debit Cards will or already expired, what should I do?
Make sure you update Jenius app to the 2.46 version or above (Android and iOS). Then, you can follow these steps:
1. Select Card Center.
2. Choose card that will or already expired.
3. Select Replace Card.
4. Confirm your mailing address. Make sure it is detailed and correct.
5. Select Yes, Confirm.
6. New card will be sent to your address.
Please note that Jenius Debit Cards replacement can only be done via Jenius app. We don’t offer card replacement via other channels.
Can I replace my Jenius Debit Cards at Jenius booth?
No. Jenius Debit Cards replacement can only be done via Jenius app (2.46 version or above).
Will I get a notification when my Jenius Debit Cards expired?
Yes, you will receive notification via app and e-mail 2 months before your Jenius Debit Cards expire. Make sure to turn on your notification and check your e-mail.
Is there a fee for replacing my expired Jenius Debit Cards?
No. You will not be charged for replacing your expired Jenius Debit Cards.
How long will it take for my Jenius Debit Cards to be delivered?
The Main Jenius Debit Card (m-Card) will be delivered to your mailing address within 3 business days (for Jabodetabek) or 7 business days (for outside Jabodetabek) since your m-Card request is confirmed. If you still haven’t received your m-Card, please contact SMBCI Care at 1500 365 to find out the delivery status.
I’ve already received the new Jenius Debit Cards, what should I do with the old cards?
If your old Jenius Debit Card has already expired, please activate a new card immediately.
If your old Jenius Debit Card hasn’t expired, you can still use it until the validity date. With a note, you haven’t activated a new card.
Can I use expired Jenius Debit Cards?
No. You can’t use expired Jenius Debit Cards for transactions. But, you can refund to Active Balance for your expired e-Card and x-Card.
I have x-Card Valentine’s special edition. If I request a replacement card, will I get the same edition?
No. You can only replace it with regular x-Card which are Breezy Blue, Fresh Green, Purple, or GPN x-Card.
Can I request a replacement card for another person?
No. Card replacement can only be done by yourself. The card will also only be sent to your mailing address.
Do the old and new Jenius Debit Cards have the same number?
No. Old and new Jenius Debit Cards will have different card numbers.
Will my Jenius Debit Cards replacement affect my subscription?
Yes. Old and new Jenius Debit Cards will have different card numbers. Therefore, once you activate a new card, make sure you update the subscription payment method with new card numbers. Otherwise, you will be charged a failed transaction fee of IDR 5,000/transaction.
Can I change the delivery address?
Yes. But please note that Jenius Debit Cards will be sent to your mailing address that you’ve set on Jenius app. Make sure your mailing address matches your current residence.
What is insufficient funds fee?
Insufficient fund fees are being charged when the balance on your Jenius Visa Debit Cards is not sufficient to pay your transactions.
This fee only applies for transactions using Jenius Visa Debit Cards: m-Card (personal and business account), e-Card, and Visa x-Card. The transaction includes a one-time or recurring (subscription) payment.
Insufficient funds fee is also one of Visa’s policies. Where this policy charged a fee for any failed transactions that are caused by the insufficient or no balance in your Jenius Debit Cards.
Why am I being charged with insufficient funds fee?
You are being charged with insufficient fund fees by a maximum of IDR5,000 per transaction. It occurs because the balance on your Jenius Visa Debit Card (m-Card, e-Card, x-Card) is not sufficient to pay your transactions.
For example, you make an IDR50,000 purchase at a merchant using an x-Card. However, the balance on your x-Card is IDR10,000. When you make a payment and failed, that’s when you are charged with an insufficient funds fee.
From where the insufficient fund fees will be deducted?
Insufficient funds fee will be deducted from Jenius Visa Debit Card that you use for the transaction.
For example, if you use an e-Card to pay a subscription to a merchant, the insufficient fund fees will be deducted from the e-Card.
How much is the insufficient fund fees amount?
The insufficient fund fee is a maximum of IDR5,000 per transaction. This transaction means every payment billing attempt made by the merchant.
After the transaction is failed, the merchant may make a payment billing attempt automatically. This attempt can be done more than once a day. Depends on each merchant.
As a result, you can be charged with an insufficient funds fee more than IDR5,000. It depends on how many payment billing attempts made by the merchant.
Please note that each merchant has a different payment policy. Make sure you read the payment terms and conditions from the merchant carefully. Also, make sure you always have sufficient balance when using Jenius Visa Debit Card.
Will I receive a notification before or after insufficient funds fee deducted?
You will receive a notification when insufficient funds fee has been successfully deducted from your Jenius Visa Debit Card.
What should I do to avoid insufficient funds fee?
Before making a transaction, check your Jenius Visa Debit Card balance via Card Center menu. Make sure you also consider foreign exchange rate conversions, tax, and admin fees when transacting. We suggest you to top up more than the transaction price.
My Jenius Visa Debit Cards has been permanently blocked, will I still being charged with insufficient funds fee?
When you permanently block Jenius Visa Debit Card, make sure you also delete (unlink) your debit card data that is registered at the merchant.
Because although you have permanently blocked Jenius Visa Debit Card, but you haven’t deleted (unlinked) the card data from the merchant, you will still be charged with an insufficient funds fee.
Does insufficient funds fee recorded in In & Out?
Yes, every paid insufficient funds fee will be recorded in In & Out.
What is Visa Direct?
Visa Direct is a method to help you transfer your funds from international account or platform to your Jenius Visa Debit Card easily and instantly.
Can I transfer funds from my international account or platform to my Jenius Visa Debit Card using Visa Direct method?
Yes, you can transfer your funds from your international account or platform directly to your Jenius Visa Debit Card, as long as the account or platform you are referring to supports Visa Direct method.
From which platforms can I transfer my funds to my Jenius Visa Debit Card?
You can transfer funds from these international platforms:
1. Paypal and other payment websites.
2. Overgear and other game marketplaces.
3. Google Adsense and other media platforms.
4. Overseas banks that support Visa Direct.
Can all my Jenius Visa Debit Cards receive funds transferred using Visa Direct method?
Yes, all Jenius Visa Debit Cards, m-Card, e-Card and x-Card, can receive funds using Visa Direct.
What are the informations needed to transfer my funds from international account or platform using Visa Direct?
The information may vary depending on the needs of each international account or platform.
For example, if you need to transfer funds from your Paypal account, you will need to submit your Jenius Visa Debit Card number, card type, card expiry date, CVV code, and billing address.
However, different account or platform may require additional or less information.
How long do I have to wait until the funds I transfer is successfully received in my Jenius Visa Debit Card?
You only have to wait for maximum 30 minutes to receive the funds to your Jenius Visa Debit Card.
However, if further review of the relevant international account or platform is required, you will need to wait for 3-5 working days to successfully receive the funds. The review is carried out to maintain the security of your Jenius account.
How do I know if the funds is successfully transferred to my Jenius Visa Debit card?
You can periodically check your Active Balance or your transaction history in In & Out menu to ensure the funds have been successfully transferred to your Jenius Visa Debit Card.
How do I know if the funds is failed to be transferred to my Jenius Visa Debit Card?
You can monitor your Active Balance or your transaction history in In & Out menu in maximum 5 working days. If your Active Balance does not increase and the history of Visa Direct transaction disappears from In & Out, the transfer has failed.
What should I do if the funds is failed to be transferred to my Jenius Visa Debit Card?
You can check in the international platform you are using. If the funds have been returned, the transfer process has failed.
You can also contact SMBCI Care on 1500 365 or [email protected] to get the latest status of your funds transfer.
Can I transfer funds from my Jenius Visa Debit Card to my international account or platform?
No, you cannot transfer funds from your Jenius Visa Debit Card to international account or platform.
Your Jenius Visa Debit Card can only receive funds from international account or platform.
Does Jenius conversion rate apply when I transfer foreign currency using Visa Direct?
No, Visa foreign currency exchange rate is applied when you use Visa Direct. It is not the same as Jenius foreign currency exchange rate.
Is there a transaction fee for receiving funds using Visa Direct method?
No, there will be no transaction fee when you receive funds using Visa Direct.
Why is the amount of funds that I received on my Jenius Visa Debit Card not the same as the amount I transferred?
The amount difference of funds you received occurs due to the conversion of foreign currency to rupiah based on Visa Direct conversion rate.
Can I get bill payment reminders in Jenius?
Yes, you can get online subscription payment reminders on the Urgent Items section in your Jenius app.
What is Urgent Items?
In Urgent Items, you can see which bills and online subscriptions you usually pay regularly, so you don’t miss making the payments.
Read more information about Urgent Items here
What kind of online subscriptions can appear on the Urgent Items section?
Online subscriptions like movie streaming app subscription, music streaming, and other online subscriptions that you usually pay using Jenius Debit Cards (m-Card, e-Card, and x-Card).
Will the reminder for online subscriptions that I usually pay with Jenius Credit Card also appear on the Urgent Items section?
No. As for now, only reminders for online subscriptions that you usually pay with Jenius Debit Card (m-Card, e-Card, and x-Card) will appear on the Urgent Items section.
When will the online subscription payment reminder appear on the Urgent Items section?
The online subscription payment reminder will appear starting from 2 days before the next online subscription payment schedule on the Urgent Items section. We will also send a push notification to remind you to pay your online subscription.
How do I get online subscription payment reminders on the Urgent Items section?
Only by making an online subscription payment to the same account for at least 2 times, Jenius will read your online subscription habit and show the reminder on the Urgent Items section on your next payment schedule.
Example: On 15 June, you made a Netflix streaming service payment. Then, on 15 July, you made the Netflix payment again to the same account. On 15 August, the Netflix payment reminder will appear on your Urgent Items section.
How do I make online subscription payments from the Urgent Items section?
The online subscription payments will still be deducted automatically from your Jenius Debit Card (m-Card, e-Card, or x-Card). The Urgent Items section will only remind you starting from 2 days before the payment date for you to prepare a sufficient balance and avoid insufficient funds fee.
You can move your balance to the card that you use for online subscription payments via the Urgent Items section:
1. On the Home page of your Jenius app, scroll down to the Urgent Items section.
2. Find the online subscription that you’d like to pay by swiping the Urgent Items box, then choose Move Balance.
3. Adjust the source account and the destination account. Make sure you move the balance to the card that you use to pay the online subscription. Input the amount that you want to move, then choose Next.
4. Confirm the balance movement.
5. You’ve successfully moved your balance for the online subscription payment from the Urgent Items section!
If the payment due date has passed, will the online subscription reminder still appear on my Urgent Items section?
Yes, the online subscription payment reminder will remain on your Urgent Items section for 2 days after the payment due date.
Do I have to manually set up which online subscription reminders I want to see on Urgent Items?
For now, you don’t need to set it up manually. Jenius will automatically detect your regular online subscription payment habits that fits the Urgent Items criteria, which is online subscriptions that you have paid in Jenius regularly for a minimum of 2 times to the same account.
If I skip a payment for 1 month, will the bill stop appearing on my Urgent Items section?
No. The online subscription payment reminder will continue to appear on your Urgent Items section for the next 6 months, eventhough you skipped the payment for 1 month.
If I’ve unsubscribed from the online subscribtion that appears on Urgent Items, will the reminder still appear there?
If you’ve made 2 consecutive payments, the bill will appear on the Urgent Items section for the next 6 months even if you have unsubscribed from the service. To stop all reminders on the Urgent Items section, call SMBCI Care at 1500 365.
What if I have trouble related to Urgent Items?
If you’re having trouble with your Urgent Items, like missing reminders or failed payments, just get in touch with Jenius Help. You can report it through:
– SMBCI Care page in the Jenius app
– Call SMBCI Care at 1500 365, or
– E-mail [email protected].
If you have any other questions, feel free to reach out SMBCI Care at 1500 365 or [email protected].
