Benefits

Welcome Bonus up to 25.000 GarudaMiles*

Welcome Bonus up to 25.000 GarudaMiles*

*Special Program GIUC Spend&Fly
for UOB New Customer Only
Card application submission: 1 March – 30 April 2025. T&C applies.

Ekstra Bagasi 20kg

Extra Baggage 20kg

Extra baggage 20kg for domestic and international flight

3x GarudaMiles

3x GarudaMiles

3x GarudaMiles per IDR 20.000,- for transaction in Garuda Indonesia

2x GarudaMiles

2x GarudaMiles

2x GarudaMiles per IDR 20.000,- for any retail transaction

Layanan Konter Check-in Khusus

Dedicated Counter Check-in

Dedicated counter check-in in Terminal 3 Soekarno Hatta and Bandara Ngurah Rai Bali

10% Diskon untuk penukaran Award Tiket*

10% Discount for Award Tiket redemption*

10% discount for award ticket redemption in Sales Office Garuda

Privileges

Travel accident coverage up to IDR25 billion

Travel inconvenience coverage up to IDR100 million

Medical overseas coverage up to IDR150 million

GIUC Spend&Fly
GIUC Spend&Fly

GIUC Spend&Fly

To celebrate GIUC Livery in Garuda Indonesia Boeing 737-800NG aircraft, UOB Indonesia launch exclusive programs "GIUC Spend&Fly":

  • Welcome bonus up to 25.000 GarudaMiles for UOB new customer
  • Fast-track to Platinum UOB GarudaMiles membership
  • Discount up to IDR 1.5 mio for Garuda Indonesia ticket purchase through website Garuda Indonesia or application FlyGaruda every Monday
  • 50% Discount GarudaMiles Redemption maximum  15.000 GarudaMiles

Features


Enjoy the Contactless Feature of your Garuda Indonesia UOB Card
Just TAP your Garuda Indonesia UOB Card, shopping will be easier, faster and safer!

How to use
Experience the convenience of transactions using the Garuda Indonesia UOB Contactless Card. Just hold your card close to the EDC contactless cashier machine and your transaction will be completed immediately!

Here's how to use the Contactless Feature


Other Features

Travel Insurance Purchasing travel tickets using Garuda Indonesia UOB Card will get the following protection benefits:
> Travel Insurance up to IDR25.000.000.000,-
> Travel Inconvenience up to IDR10.000.000,-
> Medical overseas up to IDR150.000.000,-
Fitur MasterCard Contactless Enjoy contactless transactions accepted globally enabling a fast, easy, and safe payments.
Competitive Exchange Rate Transact any time abroad is more comfortable with competitive exchange rates.
UOB Regional Privileges Enjoy discounts and special offers in Singapore at various well-known restaurants, hotels, shopping centers, fashion outlets, family entertainment centers and many other places.
UOB Credit Protection Balance protection facility with low premiums for outstanding balances which will protect you from having to pay off your bill balance if something undesirable happens.
UOB Bill Payment Payment of routine monthly bills for electricity, cellular telephone, subscription television and internet can now be made via autodebit to your credit card. Call UOB Contact Centre di 14008 atau (021) 2355 9000 to register.
UOB FlexiPay Get special offer on competitive interest installments up to 24 months for retail purchases.
UOB Auto Pay If you have UOB Bank account, you can enjoy the Auto Pay facility for free by providing written instructions to debit your account every month on the due date of your credit card bill. You can choose to pay the total bill or minimum payment (10% of the total bill).
Valid Worldwide Garuda Indonesia UOB Card is accepted by more than 25 million merchants and provides easy cash withdrawals at millions of ATMs spread across the world.
Cash Advance Cash advance facility up to a maximum of 40% of the credit limit provided. The maximum withdrawal limit via ATM machine is IDR15.000.000,-/day/card.
24 Hours UOB Contact Centre Call UOB Contact Centre 14008 for information services on your Garuda Indonesia UOB Card, information regarding the bill amount, last transaction, remaining credit limit and card loss reports can be served at any time 24 hours a day.

Terms and Conditions

GarudaMiles Terms and Conditions
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  1. Earn GarudaMiles for every retail transaction. 
  2. GarudaMiles earning per IDR20,000 retail transaction:
    • 3x GarudaMiles for transaction in Garuda Indonesia merchant
    • 2X GarudaMiles for any retail transaction
  3. GarudaMiles will be auto-sweep to GarudaMiles membership in Garuda Indonesia for minimum accumulative 250 GarudaMiles
  4. Retail transaction that will be converted to GarudaMiles is retail transaction in primary and supplementary credit card which has been posted by Bank, exclude transaction converted in to installment, Cash Advance, UOB Bill Payment and Cash on Phone 
  5. GarudaMiles will be credited if Garuda Indonesia UOB credit card status is active and credit facility status is current
  6. Starting 27 September 2024, payment for utilities such as electricity, water, gas, Telkom and XL, donation payments (includes social services), government services (include tax payment, custom, immigration and BPJS) are not earned GarudaMiles
  7. Transaction categories that not earn GarudaMiles are transactions from Merchant Category Code (MCC) in accordance with MasterCard and Visa provisions.
    More info about MCC, please contact UOB Contact Centre 14008/(021) 23559000
  8. All transactions in UOB credit card with Mastercard and Visa posted on 27 September 2024 will follow the above conditions
  • Welcome Bonus 12,500 (twelve thousand and five hundred) GarudaMiles with accumulate minimum transaction of IDR2,500,000 (two millions and five hundred thousand rupiah) within 90 (ninety) calendar days since card is approved.  
  • Program Welcome Bonus Regular can’t be combined with other program.
  • Program Period: 1 May 2024 – 31 December 2025
  • Welcome Bonus 2,500 (two thousand and five hundred) GarudaMiles if activate Garuda Indonesia UOB Card within 30 (thirty) calendar days since card is approved
  • Welcome Bonus 12,500 (twelve thousand and five hundred) GarudaMiles with accumulate minimum transaction of IDR2,500,000 (two millions and five hundred thousand rupiah) within 90 (ninety) calendar days since card is approved.

Tabel Scenario Welcome Bonus

Scenario

Total Retail Transaction

Transaction Period

Welcome Bonus GarudaMiles

Total Bonus GarudaMiles

A

-

 Activate in 30 days after card is approved 

2,500 GarudaMiles

2,500 GarudaMiles

B

IDR2,500,000

  • Activate in 30 calendar days after card is approved
  • Spending in 90 calendar days after card is approved

2,500 GarudaMiles

+

12,500 GarudaMiles

15,000 GarudaMiles

C

IDR2,500,000

  • Activate more than 30 days after card is approved
  • Spending in 90 days after card is approved

12,500 GarudaMiles

12,500 GarudaMiles

 

  1. Card application submission with wet signature must be received by UOB during: 1 March – 30 April 2025. 
  2. Program only valid for New to Card (NTC) customer and/or customers who never have UOB credit card and/or customers who have closed all UOB credit cards more than 12 (twelve) months. Second card or add-on card will not be eligible to this program.
  3. Customer has to spend retail transaction with a minimum accumulation of IDR 25,000,000 (twenty-five million rupiah) within 60 (sixty) days after card is approved. Transactions that excluded from retail transaction accumulation of this program are refer to Point 5 and 6.
  4. Welcome Bonus miles:
    • Activation Bonus 2,500 miles if customers do card activation within 30 (thirty) days after card is approved.
    • Bonus 12,500 miles if customer spend retail transaction with a minimum accumulation of IDR 2,500,000 (two million and five hundred thousand rupiah) within 90 (ninety) days after card is approved.
    • Extra Bonus 10,000 miles if customer spend retail transaction with a minimum accumulation of IDR 25,000,000 (twenty-five million rupiah) within 60 (sixty) days after card is approved.
  5. Payment for insurance and utilities such as electricity, gas, water, Telkom and XL, donation payments (includes social services), government services (include tax payment, custom, immigration and BPJS) are excluded from transactions that will be calculated for this program. Transaction categories that are excluded for this program are transactions from Merchant Category Code (MCC) in accordance with MasterCard provisions.
  6. Transaction converted into installment, cash advance transaction, annual fee, interest, administration fee, and other fees are excluded from retail transaction calculation.
  7. UOB reserves the right not to award prizes or reclaim the amount of prizes that have been given to Credit Card Holders if the Cardholder commits acts or is suspected of committing malicious acts, fraud, fraud or acts that violate the provisions of laws and regulations related to the use of Credit Cards, UOB facilities or services owned, manipulation of transactions by cardholders and/or Merchants, and other fraudulent acts in consideration.
  8. Garuda Indonesia UOB credit card status must be active, credit facility status is current, not in permanent block during Welcome Bonus fulfillment to customer who meet the program terms and conditions.
  9. Program Welcome Bonus up to 25,000 GarudaMiles cannot be combined with other Welcome Bonus program.
  10. Bonus miles will be credited to the customer’s GarudaMiles cobrand membership who meet the program terms and conditions within 90 (ninety) calendar days after program period ended.
  11. Complaint related to this program will be valid no later than 90 (ninety) calendar days after program period ended.
  12. For further information, please contact UOB Contact Center at 14008 or (021) 2355 9000.

Rewards Simulation Program GIUC Program – Welcome Bonus up to 25,000 GarudaMiles

Scenario

Total Retail Transaction

Transaction Period

Welcome Bonus GarudaMiles

Total Bonus GarudaMiles

A

-

Activate in 30 days after card is approved

2,500 GarudaMiles

2,500 GarudaMiles

B

IDR2,500,000

30 days after card is approved 

2,500 GarudaMiles

+

12,500 GarudaMiles

15,000 GarudaMiles

C

IDR2,500,000

  • Activate in 30 days after card is approved
  • Spending in 90 days after card is approved

2,500 GarudaMiles

+

12,500 GarudaMiles

15,000 GarudaMiles

D

IDR25,000,000

  • Activate in 30 days after card is approved
  • Spending in 60 days after card is approved

2,500 GarudaMiles
+
12,500 GarudaMiles
+
10,000 GarudaMiles

25,000 GarudaMiles

  1. Valid for Garuda Indonesia UOB Card new application
  2. Program is not applied for supplementary credit card
  3. Transaction converted into installment, Cash advance transaction, Loan on Phone, UOB Bill Payment, annual fee, interest, administration fee and other fees are excluded from retail transaction calculation. 
  4. Program can’t be combined with other Welcome Bonus program
  5. Program only applies for customer who fill in Garuda Indonesia UOB Card application within program period
  6. Reward can’t be exchanged
  7. UOB reserves the right not to award prizes or reclaim the amount of prizes that have been given to Credit Card Holders if the Cardholder commits acts or is suspected of committing malicious acts, fraud, fraud or acts that violate the provisions of laws and regulations related to the use of Credit Cards, UOB facilities or services owned, manipulation of transactions by cardholders and/or Merchants, and other fraudulent acts in consideration.
  8. Garuda Indonesia UOB credit card status must be active, credit facility status is current, not in permanent block during Welcome Bonus fulfillment to customer who meet the program terms and conditions.
  9. Bonus miles will be credited to the customer’s GarudaMiles cobrand membership who meet the program terms and conditions within 90 (ninety) working days after fulfill program’s terms and conditions.
  10. Complaint related to this program will be valid no later than 30 (thirty) working days after program period ended.
  11. GarudaMiles terms and conditions are according to Garuda Indonesia’s policy
  12. For further information, please contact UOB Contact Center at 14008 or (021) 2355 9000

Fees

 

Type of Fees

Garuda Indonesia UOB Card

Iuran Tahunan
Kartu Utama Rp800.000,-
Kartu Tambahan Rp400.000,-
Syarat & ketentuan biaya iuran tahunan berlaku untuk seluruh Nasabah Kartu Kredit UOB, termasuk nasabah yang juga memiliki rekening tabungan UOB.
 
Biaya Bunga
Pembelanjaan 2% per bulan / 24% per tahun 
Penarikan Uang Tunai 2% per bulan / 24% per tahun 
Biaya Bunga (Mulai berlaku 1 Juli 2021)
Pembelanjaan 1.75% per bulan / 21% per tahun 
Penarikan Uang Tunai 1.75% per bulan / 21% per tahun 
 
Bea Meterai (Berlaku mulai 1 Januari 2021)
Total Pembayaran Rekening Kartu Kredit (di luar bea meterai) Nilai Bea Meterai
< Rp5.000.000 Rp0,-
> Rp5.000.000,- Rp10.000,-
 
Biaya Penarikan Dana Tunai Melalui ATM per Transaksi
ATM UOB GRATIS
Jaringan Plus Rp30.000,-
Jaringan Cirrus Rp30.000,-
 
Biaya Penggantian Kartu Rp50.000,-
 
Biaya Penarikan Uang Tunai 6% dari jumlah penarikan uang tunai atau min Rp100.000,- (mana yang lebih tinggi)
 

Biaya Keterlambatan Bayar

(Efektif hingga 30 Juni 2025. Periode dapat berubah sewaktu – waktu sesuai kebijakan Bank Indonesia)

1% dari total tagihan atau maksimum Rp100.000,- (mana yang lebih tinggi)
 

Biaya Batas Minimum Pembayaran

(Efektif hingga 30 Juni 2025. Periode dapat berubah sewaktu – waktu sesuai kebijakan Bank Indonesia)

5% dari total tagihan
 
Biaya Kelebihan Pemakaian Limit Rp150.000,-
 
Biaya Permintaan Salinan
Tagihan Bulanan Rp30.000,- per salinan
Nota Transaksi/ Sales Draft Rp50.000,- per lembar
Ringkasan Tagihan Tahunan Rp300.000,- per salinan
 
Biaya Cetak Lembar Tagihan  Rp15.000,- per bulan
 
Biaya Cetak Lembar Tagihan (Efektif 2 Agustus 2021)* Rp25.000,- per bulan
 
Biaya Penolakan Cek Rp50.000,-
 
Biaya Transfer Atas Kelebihan Bayar Rp50.000,-
 
Biaya Administrasi Lainnya Dikenakan Apabila Setelah Kartu Kredit Ditutup Masih Terdapat Saldo Kredit Rp25,000,-
 
Biaya Notifikasi Rp7.500,- per Kartu Utama
 

Biaya Pelunasan dipercepat Cash on Phone (COP) dan FlexiPay on Phone (FOP) dan Cicilan Merchant (FPM)

Rp200.000,-

Efektif 1 November 2022, 5% dari jumlah sisa pokok min Rp 200.000,-

Biaya pembayaran tagihan Kartu Kredit UOB melalui menu transfer antar bank Pembayaran melalui menu transfer dapat dilakukan dari semua bank dengan memilih transfer Realtime Online, biaya transfer sesuai dengan kebijakan masing-masing bank. Metode BI Fast tidak tersedia untuk pembayaran Kartu Kredit UOB melalui menu transfer.
 
 
Biaya pembayaran tagihan Kartu Kredit UOB melalui kanal UOB Channel Fees
ATM UOB Gratis
UOB TMRW Gratis
UOB Personal Internet Banking Gratis
Teller Rp25.000,-

Pembayaran melalui teller hanya berlaku bagi nasabah yang memiliki rekening giro atau tabungan di UOB. Nasabah wajib menyetorkan uang tunai ke rekening giro atau tabungan nasabah di UOB dan melakukan proses pemindahbukuan ke Kartu Kredit nasabah. Apabila permintaan pemindahbukuan dilakukan oleh pihak lain, maka diperlukan Surat Kuasa dari pemilik rekening. Hal ini berlaku juga untuk pembayaran tagihan CashPlus dan Personal Loan.
 
 
Biaya pembayaran tagihan Kartu Kredit UOB melalui menu pembayaran Bank Rekanan (efektif 1 September 2023) ATM Mobile Banking Fess Processing Time (Work Day)
BCA BCA Mobile/myBCA Rp12.500,-

 

 

 

Maksimum 3 hari kerja

Mandiri Livin Mandiri Rp12.500,-
Maybank M2U/ M2U ID Web Rp12.500,-
CIMB Niaga Octo Mobile/ Octo Clicks Rp12.500,-
Bank Permata PermataMobileX Rp12.500,-
BNI BNI SMS Banking Rp12.500,-
 

Requirements

Products and Services Information Overview
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Click here for complete information of Products and Services Information Overview.

Persyaratan yang harus dilengkapi:

No Persyaratan Keterangan
1 Usia Minimum Kartu utama : 21 tahun
Kartu tambahan : 17 tahun
2 Usia Maksimal 65 tahun
3 Status Kewarganegaraan WNI/WNA
4 Status Kepegawaian Karyawan Tetap/Wiraswasta/Profesional
5 Penghasilan minimal/tahun Rp60.000.000,- s/d Rp500.000.000,-

 

Dokumen Karyawan Wiraswasta Profesional
Fotokopi KTP untuk calon Nasabah WNI
Fotokopi KITAS dan Paspor untuk calon Nasabah WNA
Fotokopi bukti penghasilan Nasabah dalam bentuk:
Slip Gaji maksimal 3 bulan terakhir / SKP maksimal 1 bulan terakhir / SPT maksimal 2 tahun terakhir / Rekening Tabungan 3 bulan terakhir / Slip BPJS Ketenagakerjaan
-  
Fotokopi bukti penghasilan Nasabah dalam bentuk:
SPT PPH maksimal 2 tahun terakhir / Setoran pajak badan usaha maksimal 2 tahun terakhir / Laporan laba rugi maksimal 1 tahun terakhir / Fotokopi tabungan atau rekening koran 3 bulan terakhir
- -
NPWP (untuk pengajuan limit di atas Rp 50 juta)

Jika data/informasi dan atau dokumen yang disampaikan ini tidak benar, maka Bank berhak untuk membatalkan pengajuan Kartu Kredit UOB Nasabah.

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