NPG Debit Card

 

Product Description

Bank of China (Hong Kong) Limited Jakarta Branch’s NPG Debit Card is a debit card that has been connected to domestic payment gateway in Indonesia, which is named National Payment Gateway (NPG). NPG is nationally integrated with many kinds of payment instruments. All domestic transactions could be processed through NPG, without going through international principal’s network. Our NPG debit card can be utilized for payment transaction in IDR through ATM machines and EDC machines with NPG, ATM BERSAMA, or PRIMA logos throughout Indonesia, cardholders will get more benefit and services.

Other than that, Bank of China (Hong Kong) Limited Jakarta Branch’s NPG Debit Card also provide privileges and benefits such as:

  1. Due to the interoperabillity and connection between the payment systems, customer no need to worry not carrying large amounts of cash. Transactions can be done at ATM machine or merchants throughout Indonesia which is connected to NPG, ATM BERSAMA or PRIMA network.
  2. Cheaper administration fee due to the transactions being processed domestically.
  3. Due to MDR (Merchant Discount Rate), customers will not be charged any fees from merchants
  4. Card has been equiped with standardized security which is Chip + PIN, for customer to do transaction securely and more convenient.

Debit Card Design

 

Debit Card Features

Card Type Currency Domestic transaction services Overseas transaction services
NPG Debit Card Indonesian Rupiah
(IDR)
  1. Balance inquiry at ATM machine
    Balance inquiry can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos.
  2. Cash withdrawal at ATM machine
    Cash withdrawal transaction can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos.
  3. Transfer through ATM machine
    Transfer transaction can only be done at ATM machines equipped with ATM BERSAMA or PRIMA logos.
  4. Purchase or POS at merchant
    Purchase transaction can be done at all EDC machines that is equipped with NPG, ATM BERSAMA, or PRIMA logos.
NPG debit card intended for domestic transactions only.

Transaction Limit

Transaction type Currency Daily Transaction limit*
NPG Debit Card**
Cash withdrawal IDR 15.000.000
Purchase 50.000.000
Transfer (utilizing ATM BERSAMA and PRIMA network) 50.000.000


*   If utilizing existing account that is linked to other debit card (e.g UnionPay debit card), the card limit will be combined between the two cards (NPG+UnionPay)

**  Customers are able to change the debit card’s default transaction limit setting  by visiting our nearest branch or sub-branches.

Fees & Charges

Type of charges Charge amount
Debit card application fee Free of charge
Debit card replacement fee Due to expired or broken card Free of charge
Due to lost or stolen card IDR 50.000
Debit card monthly fee Apply 1 debit card IDR 5.000
Apply 1 debit card + internet banking Free of charge
Apply 2 debit cards (CUP + NPG) Free of charge for NPG debit card type
Transactions through ATM machine
Cash withdrawal * Through ATM BERSAMA & PRIMA network IDR 5.000
   
Transfer   
IDR 6.500
   
Balance   inquiry    
Free of charge
Retail transactions / purchase
Purchase / POS Merchant equipped with NPG, ATM BERSAMA, or PRIMA logos Free of charge


* free 10 times per month for NPG debit card classic and payroll type (combined between ATM BERSAMA and PRIMA network)

Eligibility

  1. Personal customer : Indonesian citizen or foreigner
  2. Customer under age of 17 that apply for debit card utilizing QQ account which is linked to his/her guardian; and
  3. Joint account “Or” type only (joint account “And” is not eligible to apply for debit card)

Debit Card Application Procedure

Customers bring the required documents to the nearest Bank of China (Hong Kong) Limited Jakarta Branch  or Sub-branches to submit for application.

Required Documents

  • Indonesian citizen: Identification card (Kartu Tanda Penduduk/KTP) + Tax ID number (Nomor Pokok Wajib Pajak/NPWP)
  • Foreigner: Pasport and temporary residence permit card (Kartu Ijin Tinggal Sementara/KITAS) + Tax ID number (Nomor Pokok Wajib Pajak/NPWP)