Credit Card Interest Calculation Scheme

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Effective Date 20 December 2016




Note

* Interest period (in days) = [cycle date - Posting date ] + 1
** Interest = Interest period x Annual Interest rate (%) x Transaction value
365
Assumed annual interest rate for purchase transaction in this Illustration = 35.4%

- New transaction, interest and fees will not be included in the interest calculation.

- Interest is charged if total statement balance is not paid in full or full payment is received after the due date.

- Interest is calculated from Posting Date until full payment of total statement balance is received (previously, interest is calculated until statement date before full payment is received).

ILUSTRASI PERHITUNGAN BUNGA TRANSAKSI TARIK TUNAI (CASH ADVANCE)

Contoh perhitungan bunga transaksi Pengambilan Tunai.

  • Transaksi Pengambilan Tunai sebesar IDR 1.000.000 dilakukan dan dibukukan pada tanggal 4 Februari 2013.
  • Tanggal cetak Lembar Penagihan adalah 6 Februari 2013.
  • Tanggal Jatuh Tempo adalah 22 Februari 2013.
  • Bunga transaksi Pengambilan Tunai yang tercetak di Lembar Penagihan bulan Februari 2013 adalah IDR 2.910 (*lihat cara perhitungan di bagian bawah)
  • Gambar perhitungan hari bunga untuk transaksi Pengambilan Tunai
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