Exclusive credit card
For Mega First customers

Mega Visa Infinite

MegaFirst Infinite

MINIMUM LIMIT

IDR 500.000.000

ANNUAL FEE

Free

MegaFirst Infinite Credit Card is a credit card that is specifically granted to customers of MegaFirst which is a priority banking service of Bank Mega. By having MegaFirst Infinite Credit Card, you get the best benefits provided by all companies incorporated in CT Corp and merchants - other merchants in cooperation with Bank Mega.

Online Aplication

Get all-time benefits with a Bank Mega credit card

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  • Competitive Exchange Rate Guarantee

  • Free Annual Fee for Life

  • Mileage Exchange Flexibility

To offer you comfort while traveling in domestic or overseas, we offer you these special facilities.

Executive Airport Lounge

  • Enjoy free access to airport lounges in several major cities in Indonesia.
  • Valid for MegaFirst Customers using MegaFirst Infinite Credit Card or MegaFirst Debit Card

Mega Lounge (Coffee Bean & Tea Leaf)

  • Enjoy complimentary F&B for 1 beverage (hot or cold) and 1 cake at several airports in Indonesia.
  • Entitled for MegaFirst Customers using MegaFirst Infinite Card or MegaFirst Debit Card for 1 card holder and 1 companion.

To find out more locations of Airport Lounge and The Coffee Bean & Tea Leaf outlets at Indonesia airports click here or contact MegaFirst Call Center 08041500010.

Priority Pass

  • As a MegaFirst Infinite Credit Card holder with an average balance for the last 3 months of IDR 2,000,000,000, - you are entitled to get a Priority Pass free card. With this card you can enjoy free access to VIP lounges in over 1300 airports in 120 countries & 500 major cities. For a list of airport lounges, you can access here  https://www.prioritypass.com/en/airport-lounges.

 

Card & PIN Activation in One Step

Send an SMS to 3377 using your registered mobile number with the format:
PIN (space) Last 4 Digits of Credit Card (space) Date of Birth DDMMYYYY (space) 6 Digits PIN
Example: PIN 1234 01011990 123456

 

CT Corp Benefit

  • Enjoy free access to airport lounges in several major cities in Indonesia.
  • Valid for MegaFirst Customers using MegaFirst Infinite Credit Card or MegaFirst Debit Card
    • Enjoy complimentary F&B for 1 beverage (hot or cold) and 1 cake at several airports in Indonesia.
    • Entitled for MegaFirst Customers using MegaFirst Infinite Card or MegaFirst Debit Card for 1 card holder and 1 companion.
    • As a MegaFirst Infinite Credit Card holder with an average balance for the last 3 months of IDR 2,000,000,000, - you are entitled to get a Priority Pass free card. With this card you can enjoy free access to VIP lounges in over 1300 airports in 120 countries & 500 major cities. For a list of airport lounges, you can access here  https://www.prioritypass.com/en/airport-lounges.

Metro Department Store

  • 10% Discount no minimum transaction except for selected items
  • Installment 0% 6 month min trx IDR 1mio
  • Valid for all Metro Dept Store in Indonesia

Trans Fashion

  • Additional Discount 10% with min trx IDR 500.000 or
  • Installment 0% 6 months with min trx IDR 2 mio
  • Valid every purhase at Aigner, Boss, Canali, Geox, Furla, Find Kapoor, Salvatore Ferragamo.

Trans Luxury Bandung

Rooms:

  • 50% discount from published rate for weekdays.
  • 25% discount from published rate for weekend 
  • Breakfast included for 2 persons
  • Free Upgrade room (subject to availability)
  • Maximum 3 rooms/Card/Day
  • No Cancelation and non -refundable

 

Food & Beverages:

  • 25% discount for F&B at The Lounge, The Restaurant & The 18th Restaurant & Lounge (max. trx IDR 5 million ++/ Card (MegaFirst CH Only)
  • 20% Discount for F&B at The Lounge, The Restaurant & The 18th Restaurant & Lounge  (max . trx IDR 1,5 mio++/ Card)

 

Function Room:

  • 10% Discount min trx IDR 200 mio++/Card (MegaFirst CH Only)

 

The Spa

  • 25% Discount  for  all Treatments (not including The Spa products and hair salon) max. Trx Rp.5 million ++ (MegaFirst CH Only)
  • 20% Discount For all treatments (not including The Spa products and hair salon)  max trx IDR 1,5 mio++

 

Fitness Center Membership:

  • 25% Discount for The Fitness Center Membership max trx IDR 5 mio++ (MegaFirst CH Only)
  • 20% DIscount for The Fitness Center Membership max trx IDR 3mio++

Trans Resort Bali

Rooms:

  • 50% discount from published rate for weekdays.
  • 25% discount from published rate for weekend 
  • Breakfast included for 2 persons
  • Free Upgrade room (subject to availability)
  • Maximum 3 rooms/Card/Day
  • No Cancelation and non -refundable

 

Food & Beverages:

  • 25% discount for F&B at The Lounge, The Restaurant & The 18th Restaurant & Lounge (max. trx IDR 5 million ++/ Card (MegaFirst CH Only)
  • 20% Discount for F&B at The Lounge, The Restaurant & The 18th Restaurant & Lounge  (max . trx IDR 1,5 mio++/ Card)

 

Function Rooms:

  • 10% Discount min trx IDR 200 mio++/Card (MegaFirst CH Only)

 

The Spa:

  • 25% Discount  for  all Treatments (not including The Spa products and hair salon) max. Trx Rp.5 million ++ (MegaFirst CH Only)
  • 20% Discount For all treatments (not including The Spa products and hair salon)  max trx IDR 1,5 mio++

 

Fitness Center Membership:

  • 25% Discount for The Fitness Center Membership max trx IDR 5 mio++ (MegaFirst CH Only)
  • 20% DIscount for The Fitness Center Membership max trx IDR 3mio++

Ibis Hotels Bandung

Special Rate for Bank Mega credit card holders through www.accorhotels.com

Room Promo:

  • 10% Discount from Published Rate, Breakfast included for 2 persons. Promotion not valid on High Seasons and Long Weekend, Cannot combine with others promotion. Maximum 3 rooms/Card/Day

 

Special Packages Stay and Play at Trans Studio Bandung:

  • IDR 800.000/Nett/Room/Night for weekdays
  • IDR 900.000/Nett/Rom/Night for Weekend
  • Breakfast and Trans Studio Tickets for 2 persons included

 

Food & Beverages

  • 15% Discount at Oopen Resto, min trx IDR 100.000 (before tax and service charge)
  • Category Meat, seafood and alcohol beverage excluded
  • Cannot combine with others promotion.
  • 10% Discount at Asian BBQ Dinner from published rate, valid on Friday and Saturday, Maximum 5 persons/Card 
  • Not apply multiples

Trans Studio

Monday – Sunday:

  • 25% Discount for admission tickets maximum of 5 tickets / day / card
  • Get Trans Studio Store Ticket Bonus IDR 50.000 for MegaFirst infinite CH only
  • 25% Discount for special events/concerts, VIP Tickets max 2 tickets/card and Festival Tickets max 4 tickets/card.
  • Get Discount Voucher 10% every purchase mechandise Trans Studio Bandung or F&B (applies for Bandung ID Program only)

Antavaya

  • 5% discount on airplane ticket purchases and 10% discount on tour packages and enjoy 0% installments for 3 and 6 month tenures. No surcharge & competitive exchange rates.

Baskin Robbins

  • 50% discount Max trx IDR 1,5mio every purchase Fresh Pack and Ready Pack on weeked (Saturday and Sunday) and Puclic Holiday.
  • 35% Discount Min trx IDR 75.000 and Max trx IDR 1,5mio every purchase Ready Pack, Fresh Pack, Ice cake, Cup and Cone, Sundae and Split, Fountain drinks, Dessert, Cafe Menu, Popcorn on Weekdays.

The Coffee Bean & Tea Leaf

  • 50% Discount min trx IDR 250,000 and max trx IDR 1,5mio for all CBTL products, Valid every day
  • 30% discount min trx IDR 75.000 for all CBTL Products, Valid everyday
  • 35% discount for whole cake valid everyday

Wendy's

  • 50% Discount min trx IDR 300.000 and Max trx IDR 1,5mio for all wendy's menu.
  • 25% Discount min trx IDR 100.000 for all wendy's menu.

Carrefour & Transmart Carrefour

  • 10% discount or 0% installments for 6 months
  • 10% discount + light installment payment (tenure options of 3,6, or 12 months)
  • Applies to all products including electronics and promotional products throughout Carrefour and Carrefour Transmart in Indonesia except; baby formula,eggs, cigarettes, gadgets (mobile phones, smartphones, tablets and laptops), and top up phone credit

TransVision

  • 25% discount per month for all Transvision subscription packages
  • The payment method uses a credit card autodebet with the Megabill program

Mega Poin

  • Every spend IDR 10.000 get 120 Mega Poin (except for purchases at Merchant Group CT Corp other than transactions in the AntaVaya branch do not get points)
  • Click here for more information

Mega Poin Redeem in Merchant

  • No minimum transactions
  • 1 Mega Poin = IDR 1,-
  • Maximum points that can be redeemed is 25% of the total transaction after regular discount (if there are)

 

Mega Poin Redemption to GARUDA MILES

  • Mega Poin Redemption to Garuda Miles can be done through Mega Call 08041500010
  • 17.500 Mega Poin = 100 GarudaMiles (applies to Mega Platinum Card, Mega Barca Card, Mega Gold Card, Mega Metro Card, Mega Carrefour / Transmart Card, Mega Affinity Card, Bank Riau Silver Card, Bank Riau Gold Card, and Bank Sulteng Card).
  • 17.500 Mega Poin = 280 GarudaMiles (applies to MegaFirst Infinite Card and Mega Travel Card)
  • Applies multiply
  • Garuda Miles ID is required
  • Mega Poin Redemption Fee : Rp 50.000 (exclude MegaFirst Infinite Card and Mega Travel Card)

 

Mega Poin Redemption to AIR ASIA BIG POINT

  • Mega Poin Redemption to Air Asia BIG Point can be done through Mega Call 08041500010
  • 7.500 Mega Poin = 100 Air Asia BIG Point (applies to Mega Barca Card, Mega Gold Card, Mega Metro Card, Mega Carrefour / Transmart Card, Mega Affinity Card, Bank Riau Silver Card, Bank Riau Gold Card, and Bank Sulteng Card)
  • 7.500 Mega Poin = 240 Air Asia BIG Point (applies to MegaFirst Infinite Card and Mega Travel Card, Mega Platinum Card, and Mega Affinity Card)
  • Applies multiply
  • Air Asia BIG Point ID is required
  • Mega Poin Redemption Fee : Rp 50.000 (exclude MegaFirst Infinite Card and Mega Travel Card)

 

Mega Poin Redemption to M-Tix E-Voucher

  • Mega Poin Redemption to M-Tix E-Voucher can be done through Mega Call 08041500010
  • 25.000 Mega Poin = M-Tix E-Voucher worth Rp 25.000
  • Applies multiply
  • E-voucher will be sent to registered email address no later than D+1 after redemption request via Mega Call. Notes : Cardholders with no registered email address needs to register their email first and E-Voucher will be sent no later than D+7 after email adress has been registered to Bank Mega
  • E-voucher can be used for M-Tix balance top up through M-Tix Mobile App
  • E-voucher is only valid for 7 (seven) calendar days after e-voucher sent to the registered email. After 7 (seven) days, e-Voucher is no longer able to be used
  • Applies to MegaFirst Infinite Card, Mega Travel Card, Mega Platinum Card, Mega Barca Card, Mega Gold Card, Mega Metro Card, Mega Carrefour / Transmart Card, Mega Affinitty Card, Bank Riau Silver Card, Bank Riau Gold Card, and Bank Sulteng Card
     

Point Earning Illustration

 

Shopping Amount

Mega Point

Discount at CT Corp Merchant

GarudaMiles

Air Asia BIG

5.000.000

60.000

Rp60.000

960

1.920

10.000.000

120.000

Rp120.000

1.920

3.840

50.000.000

600.000

Rp600.000

9.600

19.200

100.000.000

1.200.000

Rp1.200.000

19.200

38.400

 

Mega Bill

  • Register your monthly bills and enjoy the convenience and ease of payment without having to queue and save time by using the Mega Bill feature on your Bank Mega Credit Card.
  • Click here for more information.

*An easy way to pay for water every month with Mega Bill

Mega Top Up

Mega Credit Shield

Mega Credit Shield provides a protection to your credit card balance in the case of any occurrence by the covered risk, as per the applied terms and conditions of the said product. This product is the product of PT PFI MEGA LIFE, which also act as an insurer to the said product.

There are 3 (three) types of the offered Mega Credit Shield:

1. Mega Credit Shield Maksima, with Premium of 0.55% from the Current Balance

The said product is an insurance program for credit card holder that covers the risk of death due to illness or accident, and the risk to suffer total/partial and permanent disability due to illness or accident.

Insurance Benefits:

  • If insured passed away, not due to accident, then insurer will pay 200% of current credit card balance at the time of risk
  • If insured passed away, due to accident, then insurer will pay 500% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer total and permanent disability due to illness or accident then insurer will pay 100% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer partial and permanent disability due to illness or accident, for at least 30 consecutive days then insurer will pay 10% of current credit card balance at the time of risk or maximum IDR 50,000 in monthly basis, for a maximum of 12 months as long as insured suffers the said risk, with a maximum limit is as per the said credit card balance at the time of diagnosis or with a certain predefined amount, paid to Bank Mega as the Policyholder.
  • Insurance benefit will be paid to Policyholder to first allocate the payment benefit to settle the said credit card balance, and the remainder is paid to Beneficiary
     

2. Mega Ultima Shield, with Premium of 0.68% from the Current Balance

The said product is an insurance program for credit card holder that covers the risk of death due to illness or accident, and the risk to suffer total/partial and permanent disability due to illness or accident, or the risk to suffer any of the 5 (five) critical illnesses.

Insurance Benefits

  • If insured passed away, not due to accident, then insurer will pay 200% of current credit card balance at the time of risk
  • If insured passed away, due to accident, then insurer will pay 500% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer total and permanent disability due to illness or accident then insurer will pay 100% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer partial and permanent disability due to illness or accident, for at least 30 consecutive days then insurer will pay 10% of current credit card balance at the time of risk or maximum IDR 50,000 in monthly basis, for a maximum of 12 months as long as insured suffers the said risk, with a maximum limit is as per the said credit card balance at the time of diagnosis or with a certain predefined amount, paid to Bank Mega as the Policyholder.
  • If insured being diagnosed for the first time in life to suffer any of the 5 (five) critical illness then insurer will pay 100% of current credit card balance at the time of risk. 
  • Insurance benefit will be paid to Policyholder to first allocate the payment benefit to settle the said credit card balance, and the remainder is paid to Beneficiary

 

3. Mega Protection Care, with Premium of 0.25% from the current balance

The said product is an insurance program for credit card holder that covers the risk of death due to illness or accident, and the risk to suffer total/partial and permanent disability due to illness or accident.

Insurance Benefits:

  • If insured passed away, due to illness or accident, then insurer will pay 100% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer total and permanent disability due to illness or accident then insurer will pay 100% of current credit card balance at the time of risk
  • If insured being diagnosed to suffer partial and permanent disability due to illness or accident, for at least 30 consecutive days then insurer will pay 10% of current credit card balance at the time of risk or maximum IDR 50,000 in monthly basis, for a maximum of 12 months as long as insured suffers the said risk, with a maximum limit is as per the said credit card balance at the time of diagnosis or with a certain predefined amount, paid to Bank Mega as the Policyholder.
  • Insurance benefit will be paid to Policyholder to first allocate the payment benefit to settle the said credit card balance, and the remainder is paid to Beneficiary
     

   M-SMILE

A new breakthrough from Bank Mega to provide all your banking activities through your smartphone and makes everything easier. Such as saving products, credit cards and electronic money, cash withdrawals without cards at Bank Mega ATMs, QR transactions at merchants, and various promo information, it's all in your hands.

Download Now

Why must M-Smile?

Because M-Smile is an application that:

  1. Attractive appearance that doesn't makes you feel bored when using M-Smile
  2. The fast and easier login by using finger print or face recognition technology.
  3. Missed your wallet? Don't carry an ATM card? Relax. You can do QR transactions at merchants that use the QRIS logo, just scan, pay & go! or Cash withdrawal without card at Bank Mega ATM.
  4. Purchase voucher, pay bill and top up your e-waller in a Practical way!
  5. Open a new savings account and various services for the convenience of Savings and Credit Card owners
  6. Transactions becomes easier and faster using Voice Command.
  7. Saving Account, Current Account, Loan, Deposit, Credit Card, M-Money, Saving and Credit Card Transaction Inquiry, Statements & Billing Statement up to 12 months.
  8. Complete domestic transfer features such as transfer intra bank account, Realtime transfer, SKN / Clearing or RTGS and Bank Mega virtual account transfer.
  9. Credit Card service features such as Mega Pay (change transactions into installments), Increase Fixed Limit, Mega Bill Registration, Insurance Registration, Block Credit Cards, and Register/Change PIN.
  10. You can check information on Bank Mega credit card and debit card promos completely!
  11. Now you can also check credit card points and DoReMe easily
  12. You can also check other information such as M-Calendar, foreign exchange rates, ATM and branch locations, account inboxes and all account settings using your smartphone!

Installation Manual

Syarat Pengajuan Kartu Kredit

 

Persyaratan dan Ketentuan Pemegang Kartu Kredit Bank Mega

 

Biaya-Biaya

 

Jenis Biaya

Keterangan

Biaya Administrasi Penarikan Tunai 6% dari transaksi penarikan tunai (min Rp 200.000)
Biaya Keterlambatan 1% dari Jumlah tagihan atau (max. Rp 100.000)* 
Biaya Penerbitan Billing Statement Electronic Statement : Rp 5.000/tagihan
Hardcopy : Rp 30.000/tagihan 
Biaya Pencetakan Ulang Lembar Tagihan Rp 50.000/lembar (max 3 bln terakhir)
Biaya Permohonan Bukti Transaksi Rp 50.000
Biaya penggantian Kartu (Rusak/Hilang) Rp 200.000
Biaya Pengembalian Kelebihan Saldo ke Non-Bank Mega Rp 100.000
Biaya Redeem Point ke Frequent Flyer Program Rp 50.000
Biaya Kenaikan Limit Sementara : Rp.75.000
Permanen : Rp.125.000
Biaya Overlimit Rp 250.000
Biaya Transfer Loan on Card (LOC) ke Non-Bank Mega Rp 30.000
Biaya Informasi Transaksi (SMS Notifikasi) Kartu Utama : Rp 10.000/bulan
Kartu Tambahan: Rp 5.000/bulan
Biaya Ubah Transaksi Menjadi Cicilan Bunga Ringan

Transaksi < Rp 5 Juta : Rp 50.000/Transaksi

Transaksi > Rp 5 Juta - < Rp 10 Juta: Rp 100.000/Transaksi 

Transaksi > Rp 10 Juta: Rp 150.000/Transaksi

Biaya Pembatalan Cicilan Sisa Bunga Cicilan + Sisa Pokok Cicilan + Rp. 200.000
Biaya Permohonan Ringkasan Tagihan Tahunan Rp 300.000
Biaya Administrasi Tagihan Rutin Bulanan (MegaBill seperti: Pasca bayar seluler, Mega Top Up Pulsa, TV Kabel Berlangganan, PDAM, PLN, dll)

Rp 5.000,- / No Pelanggan / Bulan

 

Khusus PLN: 
Nilai Tagihan < Rp. 25 Juta = Rp. 5.000,- / Tagihan
Nilai Tagihan > Rp. 25 Juta = 1% X Nilai Tagihan

*Perubahan Bea Materai Pembayaran Kartu Kredit 

 

Channel dan Biaya Pembayaran Tagihan

 

Channel Pembayaran

Keterangan

Bank Mega ATM : Gratis
Teller : Rp 25.000
Bank BCA ATM : Rp 15.000
Klik BCA : Rp 15.000
Bank BNI ATM : Rp 15.000
BNI Phone Plus : Rp 15.000
Mobile / SMS Banking : Rp 15.000
Internet Banking : Rp 15.000
Bank Mandiri ATM : Rp 15.000
Internet Banking : Rp 15.000
SMS Banking : Rp 15.000
Call Mandiri : Rp 15.000
ATM Bersama / ATM Prima ATM : Rp 15.000

 

Suku Bunga

Bunga Pembelanjaan 1.75% / 21% per tahun – mulai dari 01 Juli 2021
Bunga Penarikan Tunai 1.75% / 21% per tahun – mulai dari 01 Juli 2021

 

Ilustrasi Perhitungan Bunga

Perhitungan Bunga

 

Informasi Perhitungan Pembayaran Minimum

Ilustrasi Perhitungan Pembayaran Minimum

Perpanjangan Kebijakan Kelonggaran atas Batas Pembayaran Minimum dan Denda Keterlambatan Pembayaran Kartu Kredit

 

Aktivasi PIN

Registrasi PIN melalui SMS

Registrasi PIN melalui ATM

Registrasi PIN melalui Website Bank Mega

 

Fitur Nirsentuh/Contactless

FAQ Kartu Kredit Bank Mega dengan fitur Contacless

 

Informasi

 

Aplikasi Online

Dapatkan keuntungan sepanjang masa dengan kartu kredit Bank Mega