Dual Currency Unionpay Debit Card

 

Product Description

Bank of China (Hong Kong)Limited Jakarta Branch’s UnionPay Dual Currency Debit Card is a debit card with UnionPay logo, and can be utilized for dual currencies transactions which is Indonesian Rupiah (IDR) and renminbi (CNY). Overseas transaction outside China Mainland will first debet cardholder’s IDR account, while transaction at China Mainland will first debet cardholder’s CNY account. UnionPay Dual Currency debit card provide a convenient transaction experience both in Indonesia or China Mainland.

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

  1. One card two currencies, cardholder could avoid loss due to exchange rate differences when doing transaction at China Mainland.
  2. Broader network coverage, other than NPG network, ATM BERSAMA, PRIMA, also covers UnionPay and Bank of China network.
  3. Card equipped with standardized Chip + PIN, provide customer with more secure and convenient transaction experience.
  4. Cheaper renminbi cash withdrawal fee at China Mainland’s ATM machines.
  5. UnionPay International network provide worldwide convenient purchasing experience.

Debit Card Design

Debit Card Features

Card Type Currency Domestic transaction services Overseas transaction services
UnionPay Dual Currency Debit Card Indonesian Rupiah (IDR) and renminbi (CNY)
  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 POS machines that is equipped with NPG, ATM BERSAMA, or PRIMA logos.
  1. Balance inquiry at ATM machine
    Balance inquiy can only be done at ATM machines equipped with Bank of China or UnionPay logos.
  2. Cash withdrawal at ATM machine
    Cash withdrawal transaction can only be done at ATM machines equipped with Bank of China or UnionPay logos.
  3. Purchase or POS at merchant
    Purchase transaction can be done at all POS machines equipped with UnionPay logo.

Transaction Limit

Transaction Type Currency* UnionPay**
Cash withdrawal IDR 15.000.000
CNY 7.500
Purchase / POS IDR 50.000.000
CNY 50.000
Transfer (utilizing ATM BERSAMA and PRIMA network) IDR 50.000.000
CNY NA


*Transactions made other than in China Mainland will first debit customer’s IDR account, if the balance in IDR account is not sufficient then it will debit from CNY account automatically. For transactions made in China Mainland, will first debit from customer’s CNY account, if the balance in CNY account is not sufficient then it will debit from IDR account automatically.

** - Customer can change their debit card transaction limit setting by visiting the nearest Branch or Sub-branches.
    - Starting 15 July 2019, the POS transaction limit for UnionPay VIP Debit Card is IDR 200.000.000,-- or equivalent CNY 100.000,--   
    - If utilizing existing account that is linked to other debit card (e.g NPG debit card), the card limit will be combined between the two cards (NPG+UnionPay)

Fees & Charges

Type of Charges Charges 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) IDR 5,000 for UnionPay Debit Card type, Free of charge for NPG debit card type
Transaksi through ATM machines
Cash withdrawal* In Indonesia (through ATM BERSAMA and PRIMA network) IDR 5.000
Other than Indonesia and China (UnionPay Network) IDR 25.000
China Mainland (UnionPay Network) CNY 20
China Mainland (BOCN Network)** CNY 10
Transfer*** In Indonesia (ATM BERSAMA and PRIMA Network) IDR 6.500
Balance inquiry
All networks Free of charge
Retail transaction / Purchase
Purchase / POS Merchant equipped with NPG, ATM BERSAMA, PRIMA, Bank of China, or UnionPay logos Free of charge


*   - Free 10 times per month for UnionPay Classic, Payroll, and Student type debit card (combined between ATM BERSAMA and PRIMA network)
      -  Free 20 times per month for UnionPay VIP type debit card (combined between ATM BERSAMA and PRIMA network)
**   Free for UnionPay Student, VIP, and Payroll type debit card
*** Free 5 times per month for UnionPay VIP type debit card (combined between ATM BERSAMA and PRIMA network)

Exclusive privilege

Special for UnionPay VIP debit cardholders are entitled to enjoy “airport lounge free access” program at Soekarno Hatta Internasional Airport (CGK) at Saphire Temporary Domestic Lounge. For more information, please click on the link below :

https://www.bankofchina.co.id/id/bocinfo/bi1/201902/airport_discount.html

In addition, when travelling to Hong Kong, you could also enjoy privileges offers when using your BOC Debit card*.

*All offers are applicable to BOC Debit Card bearing the  logo. The offers are valid until 31 December 2021 (unless otherwise specified). All services and offers are subject to relevant terms and conditions. Please click here for more offer details, terms and conditions or enquire with respective merchants.

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)