Bank Central Asia (BCA) review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank Central Asia suits Indonesian savers and borrowers who want one bank for everyday money, with cashback of Up to 5% cashback on groceries, fuel, dining on the card and 0% to 0.01% on savings balances.
Key facts
- Best for
- Indonesian households wanting everyday banking, cashback and a fixed-rate personal loan.
- Annual fee
- IDR 125,000↗
- APR
- 2.25%↗
- Rewards type
- Cashback↗
- Rewards rate
- Up to 5% cashback on groceries, fuel, dining↗
- Card kind
- Credit↗
- Legal entity
- PT Bank Central Asia Tbk↗
- Headquarters
- Indonesia↗
- Founded
- 1955↗
- Support channels
- Chat, Phone, Email↗
- Pricing model
- Fixed rate
- Features
- Rewards
- Official website
- bca.co.id
Loans
- Loan amount
- IDR 5,000,000 to IDR 100,000,000↗
- Term
- 12 to 36 months↗
- Arrangement fee
- Provision fee 1% of principal or minimum Rp100,000, deducted at first disbursement↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Indonesian citizens domiciled in Jabodetabek, Java, Medan, Batam, Tanjung Pinang, Palembang, Denpasar, Cakranegara or Makassar; age 21 to 55 at final loan payoff; minimum monthly income Rp2,500,000 (Jabodetabek, Bandung, Surabaya, Medan, Batam) or Rp2,000,000 elsewhere↗
- Origination fee (%)
- 1%↗
- Loan types
- Personal, Secured, Car↗
Pros and cons
Pros
- Cashback on groceries, fuel and dining runs at Up to 5% cashback on groceries, fuel, dining.
- Easy access savings pay 0% to 0.01% from a IDR 500,000 deposit.
- The 2.25% rate ranks 9 of 138 brands on price.
- Support runs on chat, phone and email for account questions.
Cons
- The IDR 125,000 annual fee beats the €0 and £0 rivals.
- Free early repayment is not offered on personal loans.
- Loan amounts run IDR 5,000,000 to IDR 100,000,000, so larger borrowing needs another lender.
Who it suits
- Indonesian citizens domiciled in Jabodetabek and other areas the bank covers
- Card users who spend on groceries, fuel and dining and want cashback
- Savers who want a variable rate with Withdrawal on demand, no notice period
Who should look elsewhere
- Anyone outside Indonesia, since eligibility covers Indonesian citizens in named areas
- Readers wanting a fee free card, when bunq and Wise charge €0 and £0
- Borrowers who want to clear a loan early, since free early repayment is not offered
Where it sits among rivals
On annual fee, Bank Central Asia ranks 229 of 312 compared brands, so the IDR 125,000 card charge sits above the many cards priced at nothing, including bunq, Varo Believe Secured Credit Card and Wise. On the 2.25% rate it ranks 9 of 138, placing the pricing among the stronger ends of the market. Read both together: cheap to borrow, dearer to hold.
Rates and terms
The savings account pays a variable rate of 0% to 0.01%, and the rate type is variable rather than fixed. The personal loan works the other way round: a fixed rate priced at 2.25% and repayable over 12 to 36. Read together, deposited money is cheap to hold and repay, while borrowed money costs a set rate for a set stretch.
How Bank Central Asia (BCA) compares
- 9.4 vs 8.6
9.4 vs 9.4
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9.4 vs 9.1
Where Bank Central Asia (BCA) is available
- Available
- Indonesia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Bank Central Asia card cost to hold?+
The everyday card carries an annual fee of IDR 125,000, which is why the cashback of Up to 5% cashback on groceries, fuel, dining on groceries, fuel and dining matters. Cards from bunq, Varo Believe Secured Credit Card and Wise charge €0, $0 and £0 for comparison.
What interest rate does a personal loan run at?+
Personal loans are priced on a fixed-rate basis at 2.25%, which ranks 9 of 138 compared brands on price. The loan runs over 12 to 36 and BCA lends directly rather than through a broker.
How much can I borrow and what does it cost to set up?+
Loan amounts run IDR 5,000,000 to IDR 100,000,000 in Indonesian rupiah. A provision charge of 1% of the principal comes off the amount released at the start of the loan, and the wider range also covers personal, secured and car lending.
Can I repay a loan early without a penalty?+
Free early repayment is not offered on the personal loan, so clearing the balance ahead of schedule can carry a charge. Borrowers who want that flexibility should weigh it against the fixed 2.25% rate before applying.
How much interest does the savings account pay?+
The Tahapan savings account pays a variable rate of 0% to 0.01% and is classed as easy access, with Withdrawal on demand, no notice period. A minimum deposit of IDR 500,000 applies, and the balance is not tied to a fixed term.
What does it cost to keep the savings account?+
Monthly account charges run IDR 14,000 to IDR 20,000, which adds to a low interest credit on small balances. The account pays a variable rate, so the charge matters most for modest sums kept for convenience rather than for long-term saving.
Who can take a personal loan from BCA?+
Applicants must be Indonesian citizens domiciled in the areas the bank covers, with a minimum age at final payoff and a minimum monthly income set by area. The same lender offers personal, secured and car loans and lends as a direct lender, so borrowing runs through the bank rather than a broker.
Sources
- unum.com.br/p1-id-best-cards-low-credits-core checked September 26, 2026
Backs: APR, Features, Rewards rate, Rewards type
“BCA Everyday Card | None (First Year) | 2.25% per month”
- bca.co.id checked September 26, 2026
Backs: Headquarters, Support channels
“Menara BCA, Grand Indonesia Jl. MH Thamrin No. 1 Jakarta 10310”
- bca.co.id/en/Individu/produk/Kartu-Kredit/Everyday-card checked September 26, 2026
Backs: Annual fee, Card kind
“BCA Everyday Card | IDR125,000 | IDR100,000”
- bca.co.id/en/Individu/produk/simpanan/Tahapan checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee, Rate type
“For Various Transactions: Do any kind of transactions from withdrawing, depositing, transferring, paying various bills, to payments”
- bca.co.id/en/tentang-bca/korporasi/sejarah-bca checked September 26, 2026
Backs: Founded, Legal entity
“1955's: Bank Central Asia (BCA) founded as "NV Perseroan Dagang Dan Industrie Semarang Knitting Factory."”
- bca.co.id/id/individu/produk/pinjaman checked September 26, 2026
Backs: Loan types
“Pinjaman Individual: Kredit Sepeda Motor, Kredit Kendaraan Bermotor, Kredit Pemilikan Rumah, Pinjaman Kredit Tanpa Agunan Personal, Secured Personal Loan”
- bca.co.id/id/Individu/produk/pinjaman/Pinjaman-Personal checked September 26, 2026
Backs: Loan amount, Eligibility, Free early repayment, Lender type, Pricing model, Arrangement fee, Origination fee (%), Term
“Plafon Pinjaman Rp5 juta s/d Rp100 juta (loan limit Rp5 million to Rp100 million) for BCA Personal Loan”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.
Bank Central Asia (BCA)
Indonesian households wanting everyday banking, cashback and a fixed-rate personal loan.