Syarat dan Ketentuan Kartu ATM/Debit

DEFINITION

ATM/Debit Card with GPN Logo (National Payment Gateway)
It is an OCBC ATM/Debit Card that can be used for transaction needs both at ATM machines and shopping transactions at Merchants on the domestic network.
ATM/Debit Card with Mastercard Logo
It is an OCBC ATM/Debit Card that can be used for transactions at all ATMs and at tens of millions of merchants with EDC machines bearing the Master-card/Cirrus/Maestro logo both domestically and abroad.
ATM/Debit Card with Mastercard Logo with Global Debit feature
It is a debit card that can be used for cash withdrawals and shopping overseas by di-rect debiting from foreign currency accounts without conversion on the Mastercard network. The foreign currencies in question are USD, AUD, SGD, JPY, EUR, HKD, CHF, NZD, CAD, GBP, and CNH.
Virtual Debit Card with Mastercard Logo
It is a non-physical (Virtual) debit card that is issued when a customer opens an ac-count through the One Mobile Application. This card can be used to shop online at e-commerce merchants.
Contactless
It is a feature attached to the OCBC Mastercard ATM/Debit card where card-holders with the Contactless symbol can make transactions without having to insert the card into an EDC (Electronic Data Capture) machine and without having to en-ter a PIN for a certain transaction amount.
Ecommerce
It is a feature attached to the OCBC Mastercard ATM/Debit card where card-holders can make e-commerce shopping transactions at online merchants both do-mestically and abroad.
Chip
It is part of the OCBC ATM/Debit Card which is used to secure information to increase data security when making transactions at ATMs, EDCs & so on.
Card Number
The OCBC ATM/Debit Card Number is an identifying digit consisting of 16 digits on the face of the card.
CVV (Card Verification Value)
. It is a security feature for electronic and online payments. In simple terms, CVV is the three or four numbers on the back of each debit card.
Expiry Date
Is a number that shows the month and year (MM/YY) until when the card can still be used for transactions.
PIN (Personal Identification Number)
Is a code containing a 6-digit combination number that is used as a verification tool to carry out various types of transactions.
OTP (One Time Password)
Is a password containing 6-digit sent to Customer’s mobile phone number registered in the PT Bank OCBC NISP Tbk (“OCBC Bank”) system via SMS as a verification tool for carrying out online transactions using a OCBC ATM/Debit Card.
Cardholder
Is an individual customer who is legitimate as the owner of the OCBC debit card..
ATM (Automated Teller Machine)
Is an electronic machine that provides services automatically to customers. In this case, the function of an ATM is to provide self-service so that customers can with-draw money or other non-cash transactions independently..
EDC (Electronic Data Capture)
Is a machine that helps accept payment processes from customers using a deb-it/credit card, and is usually linked to any bank account.
Merchant (include online merchant)
An individual and/or business entity that in carrying out its business activities can accept an OCBC ATM/Debit card as a means of payment using an EDC ma-chine or through online payments.
Business Days
A day other than Saturday, Sunday, and Public Holiday, where Bank open for business which includes foreign currency exchange transactions and foreign currency deposits in the territory of the Republic of Indonesia.
3DSecure (3 Domain Secure) / Mastercard Identity Check
Is a method of securing online/E-commerce transactions using a OCBC ATM/Debit Card whereas for every transaction, additional verification is required by inputting a 6 digit OTP which is sent via SMS to the Customer's mobile number registered in OCBC Bank’s system.

Relationship Rules of ATM/Debit Card OCBC with Customer Accounts

OCBC ATM/Debit Cards are only given to individual customers.
Specifically for customer savings accounts (single CIF accounts) can only be related to a maximum of 1 (one) OCBC ATM/Debit card with the GPN logo or 1 (one) OCBC ATM/Debit card with the Mastercard logo.
Especially for customer savings accounts which are Joint Accounts "OR" can be related to a maximum of 6 (six) OCBC ATM/Debit cards with the GPN logo or 6 (six) OCBC ATM/Debit cards with the Mastercard logo.
Specifically for the Tanda 360 Plus savings account, a maximum of 1 (one) OCBC ATM/Debit card with the GPN logo and 1 (one) OCBC ATM/Debit card with the Master-card logo can be associated.
Each OCBC ATM/Debit Card can be related to a maximum of 6 (six) customer accounts
If an OCBC ATM/Debit Card is related to more than 1 (one) account, the customer must determine which account is used as the Primary/Main account to be debited for shopping transactions at merchants.
For Joint Accounts "OR", further provisions are as follows:
- OCBC ATM/Debit Cards can be given to each customer holding an Joint Account “OR” according to the customer's request.
- OCBC ATM/Debit Cards that have been received by each Joint Account “OR” custom-er can be linked to each customer's personal account, up to a max-imum of 6 (six) relation accounts.
- OCBC ATM/Debit Cards are the responsibility of each Joint Account “OR” customer, and each Joint Account customer is not allowed to share the use of OCBC ATM/Debit Cards with each other, including but not limited to sharing PIN information.

Rules for Using ATM/Debit Cards OCBC at ATM machines

OCBC ATM/Debit Cards bearing the GPN and Mastercard logos can be used at OCBC ATM network ATM machines for transactions:
- Cash withdrawal
- Top up pulses and electricity
- Purchase transactions:
  - Flight ticket
  - Train ticket
  - And others
- Bill payment transactions:
  - Credit Card other banks in Indonesia
  - Telkom/Flexi/Speedy/Indihome
  - PLN
  - PDAM
  - Mobile phone
  - Rumah Zakat
  - TV Subscription
  - And others
- Overbooking/transfer between accounts at OCBC, as well as other bank accounts in the domestic network.
- Insurance premium payment of Prudential and Sinarmas
- Balance information and billing information for OCBC Credit Cards
- E-Banking Registration
- Change of PIN
OCBC ATM/Debit Cards bearing the GPN and Mastercard logos can be used at ATM Bersama/PRIMA network ATM machines for transactions:
- Cash withdrawal
- Balance check
- Online transfer to domestic banks
Specifically for OCBC ATM/Debit Cards with the Mastercard logo, they can be used for overseas transactions, namely: on the Mastercard ATM network, OCBC Bank Singapore ATM network, and Malaysia MEPS ATM network for transactions:
- Cash Withdrawals
- Balance check
Transactions at ATMs are carried out by inserting the card into the ATM ma-chine, inputting the card PIN, selecting the transaction menu you want to make, and entering the transaction value.
Failure to check the transaction value by the OCBC ATM/Debit Card Holder is the full responsibility of the Card Holder.
For every transaction made by a customer at an ATM machine, the balance in the account of the OCBC ATM/Debit Card Holder will automatically be de-ducted according to the number of cash or non-cash transactions that have been made at the ATM machine.
Transactions made by customers at ATM machines overseas with an OCBC ATM/Debit Card bearing the Mastercard logo without the Global Wallet feature will be executed by debiting the IDR account balance, the customer will be sub-ject to a conversion of the buying and selling foreign currency exchange rate to IDR (Rupiah) and cash withdrawal fees.

OCBC ATM/Debit Cards with GPN logo and Mastercard logo as payment in-struments for Domestic Merchants

OCBC ATM/Debit Cards with the GPN and Mastercard logos can be used for transactions at all domestic merchants on GPN network EDC ma-chines.
Transactions at merchants are carried out by inserting the card into the EDC machine, entering the payment transaction value, and inputting the card PIN.
EDC will process data on the OCBC ATM/Debit Card and will provide a response regarding whether the transaction is approved or rejected.
If the transaction is approved or the word "Approval" appears on the EDC, then the payment transaction slip ("Slip Shopping") will be printed directly via EDC according to the value of the payment transaction. If the transaction is not approved or the word "Declined" appears in the EDC, the Shopping Slip will not be printed.
Cardholders are required to use a PIN for each payment transaction by first checking the transaction value printed on the EDC machine screen.
Failure to check the payment transaction value by the OCBC ATM/Debit Card Holder is the full responsibility of the Card Holder. The OCBC ATM/Debit Card Holder is required to keep a Shopping Slip to match the debit to the account made by the Bank.
For each payment transaction that occurs at the merchant, the balance in the account of the OCBC ATM/Debit Card Holder will automatically be re-duced according to the number of payment transactions that have been made at the merchant.

OCBC ATM/Debit Cards with GPN logo and Mastercard logo as payment in-struments for International Merchants

The cardholder provides an OCBC ATM/Debit Card with the Master-card logo to the merchant cashier, and then the cashier will insert the OCBC ATM/Debit Card with the Mastercard logo on the EDC machine and en-ter the payment transaction value.
EDC will process data on the OCBC ATM/Debit Card bearing the Mas-tercard logo and will provide a response regarding whether the transaction is approved or rejected.
If the transaction is approved or the word "Approval" appears on the EDC, then the Shopping Slip will be printed directly via EDC according to the value of the payment transaction. If the transaction is not approved or the word "De-clined" appears in the EDC, the Shopping Slip will not be printed.
Overseas transactions use an OCBC Master-card ATM/Debit Card, which can be made using a PIN or without a PIN or with a signature.
Failure to check the payment transaction value by the OCBC ATM/Debit Card Holder is the full responsibility of the Card Holder. The OCBC ATM/Debit Card Holder is required to keep a Shopping Slip to match the debit to the account made by the Bank.
Transactions made by customers at EDC machines abroad with an OCBC ATM/Debit Card with the Mastercard logo without the Global Wallet feature will be executed by debiting the IDR account balance, the customer will be subject to a conversion of the buying and selling foreign currency ex-change rate to IDR (Rupiah).

OCBC ATM/Debit Cards with Mastercard logo as payment instrument for e-commerce transaction

Cardholder prepares OCBC ATM/Debit Card with the Mastercard logo and inputs the Card Number, Expiry Date and CVV code on the payment page at the online Merchant.
There are 2 types of online merchants based on their security features.
- Merchants with 3DSecure/Mastercard Identity Check security features. Whereas when making a payment there will be additional verification by inputting a 6 digit OTP code which is sent to the Customer's mobile number registered in the OCBC Bank’s system.
- Merchants without the 3DSecure security feature will process online transactions using OCBC ATM/Debit Card without OTP verification.
If the transaction is successful, the Merchant will display information that the transaction was successful with the transaction nominal displayed previously.
Failure to check the payment transaction value by the Card Holder is the full responsibility of the Card Holder. OCBC ATM/Debit Card holders are required to keep Shopping Slips to match with debits to accounts made by OCBC Bank.
Online transactions in USD, AUD, SGD, JPY, EUR, HKD, CHF, NZD, CAD, or GBP currencies carried out by Customers using an OCBC ATM/Debit Card with the Mastercard logo with the Global Debit feature will debit the account balance according to the currency. money at the time of transaction.
Online transactions with currencies other than those mentioned in point 5, or online transactions using an OCBC ATM/Debit Card with the Mastercard logo without the Global Debit feature, will debit the IDR (Rupiah) account linked to the OCBC ATM/Debit Card.

OCBC ATM/Debit Card with Global Debit Feature

Is a debit card that can be used for transactions at all ATMs/EDCs both domes-tically and abroad and can be debited directly from foreign currency accounts without being subject to conversion.
There are 11 foreign currencies available on the Mastercard Global Wallet OCBC Debit Card, namely USD, AUD, SGD, JPY, EUR, HKD, CHF, NZD, CAD, GBP, and CNH.
Transactions in countries whose currency is outside the 11 foreign currencies will debit the customer's IDR account and be charged a buying and selling ex-change rate conversion fee according to the currency in which the transaction is made.
OCBC ATM/Debit Cards bearing the Mastercard logo can be used as legal tender and accepted by merchants and EDC machines bearing the Mastercard logo throughout Indonesia and overseas.
For e-commerce transactions conducted at international merchants using an OCBC ATM/Debit Card bearing the Mastercard logo with the Global Wal-let feature, the debit will be made to the account currency that matches the pur-chase currency, if the currency is included in one of the 11 (eleven) foreign cur-rencies in the Tanda 360 Plus Savings account.

Contactless Feature on OCBC Mastercard ATM/Debit Card
The OCBC Mastercard ATM/Debit Card is now equipped with the Contactless feature for convenience, security and speed of transactions. The following is im-portant information on OCBC Mastercard ATM/Debit Cards with Contactless features/technology:

The Contactless feature is a feature attached to the OCBC Mastercard ATM/Debit card where Cardholders with the Contactless symbol can make transactions without having to insert the card into an EDC (Electronic Data Cap-ture) machine and without having to enter a PIN for a certain transaction amount.
The Contactless feature will be active after the OCBC Master-card ATM/Debit Card is activated by the Cardholder through a branch or ONe Mo-bile.
The OCBC Mastercard ATM/Debit Card with the Contactless feature can only be used at EDC machines overseas that accept contactless payments.
The OCBC Mastercard ATM/Debit Card with the Contactless feature can only be used at overseas off-us EDC machines and EDC owned by Bank OCBC if it can accept contactless payments. If a contactless device is not availa-ble, the customer can still make transactions by inserting/dipping the card into the EDC machine and using a PIN.
OCBC Mastercard ATM/Debit Cardholders with the Contactless feature can make transactions without a PIN with a maximum accumulated transaction amount of IDR 1,000,000 (one million rupiah) or its equivalent per transaction per day. Cardholders will be asked for PIN authentication if the transaction exceeds this limit. The contactless limit uses a combined ceiling limit that is the same as the daily shopping debit transaction limit for the OCBC Mastercard ATM/Debit Card.
Specifically for OCBC Mastercard ATM/Debit Cards with the Contact-less feature connected to a Tanda Junior account, transactions without a PIN can be made with a maximum accumulated transaction amount of IDR 500,000 (five hundred thousand rupiah or its equivalent per transaction per day).
Customers can submit a request to deactivate the Contactless feature without a PIN through a bank branch, Contact Center, or deactivate it through the Card Management feature in ONe Mobile.
Contactless transactions without a PIN can only be made at certain Merchants who have Contactless EDC machines and cannot be used for cash withdrawals or online transactions.
To make Contactless transactions, the Card Holder must bring and attach the card to the Contactless EDC machine.
No additional fees will be given to Cardholders who use the Contactless feature.

In using the Contactless feature, make sure the Card Holder himself carries and at-taches the card to the Contactless EDC machine and does not hand over the card to the Merchant or any other person.
Errors and/or negligence of the Cardholder in utilizing this feature and/or misuse of the Contactless feature method is entirely the responsibility of the Cardholder, unless otherwise proven.
The Cardholder hereby agrees that every transaction those who use the Contactless feature that has been implemented by the Bank cannot cancelled or changed for any reason.

Temporary Fund Hold for Overseas Transportation Transactions

Bank implements temporary transaction funds holding process (hold funds) for the use of OCBC ATM/Debit Cards and OCBC Global Debit Cards with contactless features for public transportation (MRT/bus) transactions that apply aggregate settlement rules.
Aggregate settlement (combined settlement of transactions) is a process that occurs un-der the conditions:
- The Customer's account is not deducted/debited directly (real time) for the amount charged every time a transportation transaction occurs, resulting in de-duction/debit delay to the Customer's account.
- The deduction/debit process takes 1 to 14 working days from the first transaction.
- After OCBC Bank receives the total accumulated costs from the transportation company and OCBC Bank successfully deducts/debits the Customer's account for the final accumulated transportation costs, the retained funds will be returned to the Customer's Account within a maximum of 14 Working Days.
The amount of funds that temporarily held (per currency) will be announced in Bank's media, including the OCBC website, OCBC mobile push notifications, and via SMS to Cus-tomers which can be changed at any time according to the regulations applied in each country.
If within a period of up to 14 (fourteen) Business Days there is a bill, then the retained funds will be deducted from the transaction’s currency account according to the nominal bill. If the balance in the account according to the transaction currency is nil or insuffi-cient, then the funds will be deducted from Rupiah (IDR) account using the exchange rate conversion according to the transaction date.
If the deduction from the transaction’s currency account or IDR account fails due to insuf-ficient balance or any other reason, Bank will retry the deduction every day until it is suc-cessful, and the transaction is completed.

Virtual Debit Card OCBC

Is a non-physical (virtual) debit card that is issued when a customer opens an ac-count through the ONe Mobile application.
The OCBC Online Debit Card can be used as an online transaction tool such as payment in e-commerce by debiting the rupiah currency contained in the customer's account balance.
Customers can easily block and unblock OCBC Online Debit cards by simply using the ONe Mobile application.

THINGS THAT MUST BE ATTENTIONED:

Sign (according to ID Card) the OCBC ATM/Debit Card on the signature panel on the back of the card with a pen.
PIN (Personal Identification Number) is a secret code consisting of 6 (six) digits required as access to be able to transact on
- ATM OCBC, Prima Network ATM, Bersama.
- OCBC Bank Singapore and MEPS Malaysia (especially for ATM/Debit Cards with the Mastercard logo).
Cardholders are advised to change their PIN regularly. PIN changes (6 digits) can be made at all OCBC ATMs. Memorize your PIN and for security rea-sons do not record your PIN anywhere or tell anyone.
Each OCBC ATM/Debit Card Holder is fully responsible for the misuse of the OCBC ATM/Debit Card by other parties caused by misuse of the PIN number, either intentionally or negligently by the OCBC ATM/Debit Card Holder.
Cardholders are required to use a PIN for every shopping transaction made at EDC merchant machines in Indonesia. Meanwhile, for shopping transactions made overseas, the customer can use a PIN or signature.
If the OCBC ATM/Debit Card Holder finds an inappropriate or doubtful transaction in his account, then the Card Holder must immediately report the matter to Bank OCBC for further investigation in accordance with proce-dures and provisions regarding complaint handling applicable at the Bank. OCBC.
If a system failure occurs during the transaction process using an OCBC ATM/Debit Card, the Cardholder can contact Tanya OCBC at 1500-999 or +62-21-26506300 (from overseas). Bank OCBC will conduct an investiga-tion and take action according to the type of incident that occurred to the customer.
For information and complaints regarding OCBC ATM/Debit Cards, Card-holders can submit them directly to the nearest Bank OCBC branch office or contact Tanya OCBC at 1500-999 or +62-21-26506300 (from overseas). The estimated time for the complaint resolution process will be informed by the Bank OCBC/Tanya OCBC branch office staff.
If the OCBC ATM/Debit Card Holder wishes to close the OCBC ATM/Debit Card, then the Cardholder may submit a request for closing the OCBC ATM/Debit Card to the branch office of Bank OCBC and re-turn the OCBC ATM/Debit Card owned by Bank OCBC. With the closing of the OCBC ATM/Debit Card, the person concerned can no longer use the OCBC ATM/Debit Card facility. In the event that the OCBC ATM/Debit Card Holder also wishes to close the account, then the account clo-sure and the OCBC ATM/Debit Card can be carried out simultaneously at the branch office of Bank OCBC.

Lost Cards

If there is loss or theft of the OCBC ATM/Debit Card, for the security of funds in the ac-count, the Cardholder must immediately contact OCBC Question. Based on the report, the Bank will block the OCBC ATM/Debit Card.
The Cardholder is responsible for all transactions made using the OCBC ATM/Debit Card as long as the Bank has not received a report re-garding the loss and/or theft of the OCBC ATM/Debit Card from the Cardholder.
For the replacement of the lost or stolen OCBC ATM/Debit Card, the Bank will charge a fee for the replacement of the new card to the Card-holder.
After reporting the loss of the card via Ask OCBC, the Cardholder immediately comes to the branch to process a new card.
Cardholders can also block directly through the ONe Mobile application.
To replace a new debit card, you can go to the nearest Bank OCBC branch office with the following conditions:
- Bring original ID Card
- Bring passbook (if any)
- Pay a debit card replacement fee of IDR 20,000.

Customer Complaints

Customers can submit complaints or objections to Bank OCBC verbally or in writing.
If complaints or objections are made verbally, the Customer can contact Tanya OCBC at 1500-999 or +62-21-26506300 (from overseas).
If a complaint or objection is made in writing, the complaint must be accompanied by a photocopy of identity and other supporting documents as required by Bank OCBC.
Customers can also submit complaints or objections through the Bank's website at www.ocbcnisp.com or come to the nearest Bank OCBC branch office.
In the event that the Customer rejects the response to a complaint or objection from OCBC Bank, the Customer may choose a dispute resolution through court or out of court such as the Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK). In the event that the Customer submits a rebuttal and/or complaint in writ-ing, the Bank will resolve it no later than 20 (twenty) working days from the date of receipt of documents directly related to the complaint received in full.
In the event of the following conditions, Bank OCBC may extend the period no later than 20 (twenty) working days, as referred to in point 5 above:
- The branch office of the Bank that received the objection and/or complaint is not the same as the branch office of the Bank where the problem occurred and there were com-munication problems between the two branch offices;
- objections and/or complaints submitted by the Customer require spe-cial/continued re-search or examination;
  there are other things that are beyond the control of the Bank

In the event that the Customer refuses to respond to objections and/or complaints from the Bank, then the Customer can choose a dispute resolution through court or out of court.

Others

All and/or some of the provisions in this guide may change at any time with prior notification in accordance with and subject to the applicable laws and regulations.
For complete information regarding OCBC ATM/Debit Card features and transaction rates/fees, please visit the website www.ocbcnisp.com.
The OCBC ATM/Debit Card is only used to carry out transactions that have been determined as referred to in this guide and Bank OCBC is not responsible if the OCBC ATM/Debit Card is used for other purposes.
The OCBC ATM/Debit Card is fully owned by Bank OCBC and must be returned immediately if requested again by Bank OCBC with prior notification to the customer.
The use of the OCBC ATM/Debit Card is entirely the responsibility of the Cardholder and the Cardholder is prohibited from transferring the OCBC ATM/Debit Card to any other party/anyone in any way and for any reason.
The validity period of the OCBC ATM/Debit Card is up to the month and year as stated on the card. If the validity period of the OCBC ATM/Debit Card has expired and the Cardholder wishes to extend ownership of the OCBC ATM/Debit Card, the Cardholder may request a replacement for the OCBC ATM/Debit Card directly at any Bank OCBC branch office. Just bring the old OCBC ATM/Debit Card and proof of identity.

Debit Card OCBC

Terms and Conditions of ATM/Debit Card OCBC

Lost Cards