Credit Card Interest Calculation Scheme

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


This interest calculation illustration could give different result of interest calculation due to:

  1. 1.Rounding in calculation
  2. 2. Payment hierarchy

For further information on payment hierarchy please refer to clause 6 of Credit Card Terms & Conditions.

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