The MNC Bank Citilink Visa Card with contactless functionality is a co-branded credit card issued by PT Bank MNC Internasional Tbk in collaboration with PT Citilink Indonesia under license from Visa Worldwide.
Benefit
· Welcome Bonus 1.000 Miles
· Welcome Bonus of 1,000 miles for MNC Bank Citilink Visa Cardholders who have activated their card and completed transactions, subject to the following terms and conditions:
Now | Effective November 1, 2026 |
Transactions at merchants in the hotel, travel, and airline categories, with a minimum accumulated transaction value of IDR 2,000,000 (Two Million Rupiah) within 1 (one) calendar month. | Transactions at merchants in the hotel, travel, and airline categories, with a minimum accumulated transaction value of IDR 5,000,000 (Five Million Rupiah) within 1 (one) calendar month. |
· Welcome Bonus miles can be earned within 90 (ninety) calendar days from the date the credit card is approved.
· Not applicable to certain types of transactions, including:
· All offline transactions
· Cash withdrawals via ATM (Cash Advance)
· COH (Cash on Hand) applications
· Transactions at all gas stations
· Transactions at Paper.id merchants
· Transactions under the Utilities MCC category
· Transactions under the Government category (Tax Payments)
· Transactions under the Charities category (Donations)
· Welcome Bonus miles can only be received once per customer (primary cardholder).
· Mileage Service
Assistance with the Citilink LinkMiles membership registration process for MNC Bank Citilink Visa Cardholders who are not yet LinkMiles members.
· Mileage Earning
· Earn miles on eligible retail purchase transactions anywhere, subject to the following terms and conditions:
Now | Effective November 1, 2026 |
A minimum accumulated retail spending of IDR 2,500,000 (two million five hundred thousand rupiah) within 1 (one) calendar month is required to qualify for miles calculation. | A minimum accumulated retail spending of IDR 5,000,000 (five million rupiah) within 1 (one) calendar month is required to qualify for miles calculation. |
Miles are earned on transactions of at least IDR 100,000 (one hundred thousand rupiah) or multiples thereof, with every IDR 100,000 equivalent to 10 miles. | Miles are earned on transactions of at least IDR 250,000 (two hundred fifty thousand rupiah) or multiples thereof, with every Rp250,000 equivalent to 10 miles. |
Not applicable to the following transactions:
· All offline transactions
· Cash withdrawals via ATM (Cash Advance)
· COH (Cash on Hand) applications
· Transactions at all gas stations
· Transactions at Paper.id merchants
· Transactions under the Utilities MCC category
· Transactions under the Government category (Tax Payments)
· Transactions under the Charities category (Donations)
The maximum miles earned per month is 10,000 miles, with a maximum eligible transaction amount of IDR 100,000,000.
Miles will not be awarded for transactions converted into 0% installment plans, effective November 1, 2026.
No annual fee for the first 3 years
0% installment program for eligible online e-commerce transactions with participating merchants
MNC Pay installment facility for up to 24 months with low interest rates ranging from 0.99% to 1.25%
Limits
Credit Card Type | Credit Card Limit |
MNC Bank Citilink Visa Card | IDR 5,000,000 up to IDR 1,000,000,000 |
General Conditions
Minimum age for card applicant is 21 years or married.
Maximum age of card applicant is 65 years.
Minimum income IDR 65 million / year
Fees and Interest Rates
Description | Cost |
Annual Fee | IDR 300.000 (main card) IDR 150.000 (additional card) |
card limits | IDR 5.000.000 IDR 1.000.000.000 |
Cash advance | 5% of the amount taken or minimum IDR 100.000 |
interest | 1.75% per month or 21% per year (adjusted to regulatory requirements) |
Temporary & Permanent Increase limit fee | IDR 100,000 / card |
Card replacement fees | IDR 100,000 / card |
Overlimit fees | IDR 200.000 / card |
Notification fees | IDR 10.000 |
Billing Statement fees – Sending by email | Free |
Late payment fees | 1% of total bill, maximum IDR 100,000 |
Billing statement paper fees | IDR 30.000 |
Reprint Billing Statement | IDR 35.000 / sheet |
Copy Sales Draft | IDR 75.000 |
Click here to download the MNC Bank Citilink VISA Card e-Booklet Guidance
