Maybank Credit Card Terms and Conditions

1. Maybank refers to PT Bank Internasional Indonesia Tbk.
2. Maybank Kartu Kredit (hereinafter referred to as Credit Card) refers to payment means in the form of credit card which can be used to make payment of liabilities that rises out of economic activities, including commercial transaction and/or to make cash advance, where liabilities to make payment of the Maybank Credit Card holder is firstly fulfilled by Maybank and the Maybank Credit Card Holder shall make payment at any time agreed either in manner of full settlement or payment in cash. Maybank Credit Card issued by Maybank is Maybank Credit Card Visa, Maybank Credit Card MasterCard and other Maybank Credit Card to be decided from time to time.
3. Cross Default refers to any right owned by Maybank to declare any condition where if Maybank Credit Card Holder and/or his/her guarantor makes a default against other agreements made and entered into between Maybank Credit Card Holder and/or his/her guarantor can be declared a breach or default against Document of Use of Maybank Credit Card, and otherwise.
4. Document of Use of Credit Card refers to all and any document of use of Maybank Credit Card between Maybank and the main Maybank Credit Card Holder, including without limitation to Application Form of Request of Maybank Credit Card and documents available on Welcome Package, Card Carrier Maybank Credit Card and Billing Advise.
5. Working Days refers to everyday except Saturday, Sunday and other official holidays determined by the Government of the Republic of Indonesia where banks open throughout Indonesia for undertaking business activities and clearing business transaction.
6. Main Credit Card refers to credit card issued by Maybank to the Main Maybank Credit Card Holder.
7. Additional Credit Card refers to credit card issued by Maybank to Additional Maybank Credit Card Holder based on application of the Main Maybank Credit Card Holder.
8. Merchant refers to the seller of goods and/or service receives payment from transaction of use of Maybank Credit Card.
9. Credit Card Holder refers to the Main Maybank Credit Card Holder and/or Additional Maybank Credit Card Holder.
10. Main Credit Card Holder refers to authorized user whose name is recorded on Main Maybank Credit Card. Main Maybank Credit Card Holder may submit application to Maybank to appoint another party to use/enjoy Maybank Credit Card Facility.
11. Additional Credit Card Holder refers to authorized user whose name recorded on Additional Maybank Credit Card. Additional Maybank Credit Card Holder is a party approved by Maybank based on application of the main Maybank Credit Card Holder to use / enjoy the Main Maybank Credit Card Facility.
12. Billing Statement refers to information relating to the billing detail of Payable Balance shall be paid by the Main Maybank Credit Card holder in relation to use of Maybank Credit Card.
13. Cash Advance refers to a cash advance made by the Maybank Credit Card Holder with use of Maybank Credit Card. This cash advance can be made by the Maybank Credit Card Holder at Maybank Branch Offices or Maybank ATM or ATM of other banks having Visa/MasterCard/JCB licenses or at any other places notified by Maybank from time to time.
14. Maybank Credit Card Ceiling refers to maximum limit of use of Maybank Credit Card issued by Maybank to the Maybank Credit Card Holder.
15. PIN (Personal Identification Number) refers to personal identification number given by Maybank which is confidential and only recognized by the Maybank Credit Card Holder and should not be revealed to another party.
16. Due Date refers to date where the deadline of the payment of Maybank Credit Card Billing by the Main Maybank Credit Card Holder. Due date is contained on the Billing Statement.
17. Billing Date refers to the date of billing of transactions (transaction) and other payable balance on use of Maybank Credit Card.
18. Payable Balance refers to payable balance of Maybank Credit Card Billing on the Billing Date that covers payable balance of the previous month added transactions until the Billing Date, charges, interest, less with payment and credit.
19. Terms and conditions on Use of Maybank Credit Card (hereinafter referred to as the Terms and Conditions) refers to the Terms and Conditions on Use of this Maybank Credit Card and each amendment thereof, addition or annex both existing and future to be set forth by Maybank and delivered to Maybank Credit Card Holder from time to time.
20. Sales Draft refers to the documents constituting the evidence of appearance of Maybank Credit Card Transaction with Merchant or with any other third party.

1. Upon activating and/or use of Maybank Credit Card and as long as Maybank Credit Card still used by the Maybank Credit Card Holder, the Maybank Credit Card Holder has agreed and bound to comply with this Terms and Conditions.
2. Maybank is entitled to make amendment, modification or addition to this Terms and Conditions including without limitation to amount of penalty, Maybank Credit Card Ceiling, minimum payment which take effect as of such amendment and/or modification with 7 working days prior notice to the Main Maybank Credit Card Holder to be delivered with use of media/facility legally accepted and/or considered to be good by Maybank.

1. Maybank Credit Card Holder shall agree to make payment of annual contribution. The annual contribution already paid is not refundable.
2. The amount of annual contribution shall be in accordance with Maybank terms and conditions to be billed together with the Billing Statements.

1. Credit card shall be issued by Maybank upon fulfillment of Maybank’s terms and conditions.
2. The Maybank Credit Card Holder shall immediately sign off on overleaf page of Maybank Credit Card upon receipt of Maybank Credit Card before he/she uses it.
3. Maybank Credit Card shall be only used by the Maybank Credit Card Holder and shall not be assigned and/or pledged with whatever reason/manner and to whomsoever. If Maybank Credit Card is used by other than Maybank Credit Card Holder, the all risks rise out of the use shall become responsibility of Maybank Credit Card Holder and therefore the Maybank Credit Card Holder shall keep harmless Maybank from the responsibility relating to the use of the Maybank Credit Card.
4. Maybank shall issue PIN to the Maybank Credit Card Holder in order that the Maybank Credit Card Holder can make Maybank Credit Card Transaction that requires PIN media. The Maybank Credit Card Holder shall keep confidential PIN and fully responsible for the use or misuse of PIN occurred and keep harmless Maybank from any and/or all demands/claims connecting to the PIN misuse.
5. The Main Maybank Credit Card Holder shall be fully responsible to all transactions that use the Main Maybank Credit Card and Additional Maybank Credit Card. The Extra Maybank Credit Card Holder shall be automatically binding with this terms and conditions.
6. The Maybank Credit Card can be used as payment equipment with Merchant provided that it still valid and there is remaining Ceiling of Maybank Credit Card not used. The Maybank Credit Card also can be used to make Cash Advance at ATM with cash advance limit set out in Article V.4.
7. The Main Maybank Credit Card Holder shall be responsible for any and/or all transactions of the Maybank Credit Card, including the transactions made by the Extra Maybank Credit Card Holder, including in case the Main Maybank Credit Card and/or the Extra Maybank Credit Card is lost or misused with whatever reasons.
8. The Maybank Credit Card shall be the property of Maybank and therefore it shall be immediately returned any time requested by Maybank without require Maybank to give the reason. If it is not requested by Maybank and the Maybank Credit Card intends no longer use the Maybank Credit Card or in case Maybank Credit Card expires, the Maybank Credit Card shall immediately destroy or cut the Maybank Credit Card becomes 2 parts that ruins chip and magnetic stripe parts of the Maybank Credit Card.
9. The use/validity of the Maybank Credit Card may be automatically extended based upon Maybank’s approval, unless there is request of cancellation/termination submitted by the Main Maybank Credit Card Holder to Maybank.
10. All transactions of the Maybank Credit Card will be billed by Maybank to the Main Maybank Credit Card Holder in Rupiah Currency. Transactions of Maybank Credit Card which are made in foreign currency will be converted to Rupiah Currency according to Maybank’s exchange rate regulation applicable when the transaction booked without requiring Maybank to notify and obtain prior approval of the Maybank Credit Card Holder.
11. The Maybank Credit Card Holder shall maintain photocopy of sales draft or invoice of the transaction to reconcile the count stated in the Billing Statements. If the data available in photocopy of Sales Draft or invoice of the transaction is different with the data at Maybank, the data at Maybank shall prevail unless the Maybank Credit Card Holder can prove otherwise.
12. The Maybank Credit Card Holder shall be responsible to any problem/dispute rises out of or in connection with purchasing goods/services as a result of the Maybank Credit Card’s transaction. If there is appearance of demand/claim with Merchant, the Main Maybank Credit Card Holder shall not deserve the rights to reject the payment of the bill to such transaction.
13. Maybank shall not be responsible in case there is rejection of payment that use of the Maybank Credit Card by Merchant or whatever party.

1. Cash advance can be made at Maybank branch offices or ATM bearing logo Cirrus, ATM Bersama and Prima with use of PIN those are available both locally and internationally.
2. Cash Advance is subject to administrative charge and interest which amount will be fixed by Maybank and delivered to the Main Maybank Credit Card Holder from time to time.
3. The Interest as referred to in article V.2 shall be counted as of date of cash advance through the date of payment.
4. Unless specially declared by Maybank, maximum advance cash shall be:
1. in the amount of 60% of the Maybank Credit Card ceiling. The Maybank Credit Card Holder is subject to administrative charge minimum 4% of total advance cash or minimum Rp 60.000,- and financial charge minimum 2,95% counted as of the date of advance cash until the Date of Payment; or
2. in the amount of remaining Maybank Credit Card Ceiling; or
3. an amount fixed by Maybank.
5. Maybank will give advise from time to time in case of change of advance cash, administrative costs and financial charge.

1. Maybank is entitled to fix the Maybank Credit Card ceiling. The Maybank Credit Card can observe the amount of the Maybank Credit Card Ceiling on the Welcome Package/Card Carrier of the Maybank Credit Card. Based upon its sole consideration without giving the reasons, Maybank shall deserve the right to change the amount of Maybank Credit Card Ceiling, the amendment of which will be advised from time to time to the Maybank Credit Card Holder and bind as of the date of advise.
2. If the Maybank Credit Card Holder uses the Maybank Credit Card exceeds the Maybank Credit Card ceiling without Maybank’s prior consent, so the Main Maybank Credit Card Holder shall without delay settle the excess amount and the excess amount usage is subject to penalty which amount contained in the Billing Statements.
3. If the Main Maybank Credit Card holder fails to settle the Maybank Credit Card usage excess as referred to in article VI.2, Maybank shall be entitled to terminate the use of Maybank Credit Card without giving prior notice to the Main Maybank Credit Card Holder and then the Main Maybank Credit Card Holder shall pay his/her outstanding to Maybank without delay and in full, include outstanding of use of Extra Maybank Credit Card. Maybank shall immediately advise to the Main Maybank Credit Card Holder upon such termination.
4. The Main Maybank Credit Card Holder may give request for increasing the Maybank Credit Card Ceiling either for temporarily or permanently. Based upon its sole consideration, Maybank shall deserve the rights to reject the request without giving reasons. In case the request is approved, Maybank shall give advise to the main Maybank Credit Card Holder.
5. Maybank shall deserve the right based upon its sole consideration to amend/review the amount of Maybank Credit Card Ceiling to Extra Maybank Credit Card any time. To such amendment, Maybank shall advise to the Main Maybank Credit Card Holder.

1. Maybank shall pay first to Merchant or another bank all transactions of Maybank Credit Card based on Sales Draft or based on the billing list submitted to Maybank and in this case the Maybank Credit Card Holder shall be responsible to Maybank the amount stated in the Sales Draft or the billing list.
2. The Billing Statements shall be submitted by Maybank to the Maybank Credit Card Holder every month or other times deemed necessary by Maybank. The billing statements will not be delivered by Maybank if there is no outstanding balance or if there is no payment of the entirely or partially the Outstanding Balance after 3 (three) times consecutively the Billing Statements delivered to the Maybank Credit Card Holder.
3. If the Maybank Credit Card Holder not receive the billing statements, it will not make free the Maybank Credit Card Holder from responsibility to pay/settle his/her liabilities.
4. If it is requested by the Maybank Credit Card Holder, Maybank can give photocopy of the Billing Statements maximum for the last 12 months.
5. The Main Maybank Credit Card Holder shall make payment/settlement of the use of Maybank Credit Card according to the amount stated in the Billing Statements.
6. Billing for transaction of use of the Main Maybank Credit Card or Extra Maybank Credit Card shall become responsibility of the Main Maybank Credit Card Holder to Maybank. For billing on use of Maybank Credit Card used by the Extra Maybank Credit Card Holder shall be billed to the Main Maybank Credit Card Holder and will be billed together with billing of use of the Main Maybank Credit Card.
7. If there is nullification of the Extra Maybank Credit Card, all outstanding billing for the use/transaction of the Extra Maybank Credit Card assigned and become burden of the billing of the Main Maybank Credit Card.
8. If it is requested by Maybank Credit Card, Maybank can give photocopy of Sales Draft according to provision of Visa/MasterCard/JCB and will charge administrative costs to the Maybank Credit Card Holder which amount will be notified from time to time by Maybank.
9. Payment of the billing shall be done prior to due date to avoid imposition of the delay administrative costs. The payment requires to mention the Maybank Credit Card number as contained in the Billing Statements or stated in the Maybank Credit Card and can be made with any of the following manner:
1. Payment in cash to Maybank branch offices through out Indonesia.
2. Payment with Gyro/Cheque shall be made 3 working days prior to due date.
3. Payment with LLG Transfer is delivered to Maybank Card Center, Gedung Sentral Senayan 3, Jl. Asia Afrika No.8, Jakarta 10270.
4. Debiting to Maybank Account or other bank account by virtue of power of attorney of debiting from Maybank Credit Card Holder.
5. Debiting account from Maybank Credit Card Account of the Maybank Credit Card Holder shall be made automatically on due date in the amount of total billing of Maybank Credit Card. Minimum Payment shall be made with written statement of Maybank Credit Card Holder.
6. Payment through Maybank ATM if the Maybank Credit Card Holder has Maybank ATM card or Maybank Credit Card Account.
7. Payment through Maybank Premium Call (Phone Banking) if the Maybank Credit Card Holder has Maybank ATM card or Maybank Credit Card Account. Phone Banking PIN can be obtained through Maybank ATM.
8. Payment through Maybank2u or Maybank SMS+ Banking if the Maybank Credit Card Holder has saving/gyro account at Maybank or Maybank Credit Card Account.
9. Payment can be made through ATM BCA, ATM PermataBank and Indonesia Post Office not later than 3 working days prior to due date.
10. Payment with Transfer menu through ATM Networks of ATM Bersama, Prima, and ATM ALTO.
11. Payment through media or facilities of other banking to be informed by Maybank from time to time.
10. Payment also can be made according to other manners set out and contained in the Billing Statements.
11. Recording of settlement of Payment of Billing made with use of cheque/gyro Maybank/other banks or use media of other banks will be made/recorded by Maybank if the funds accepted by Maybank.
12. Any and/or all charges relating to settlement shall be considered ro substracting payment of billing. In case there is rejection to cheque/gyro Maybank/other banks, the Main Maybank Credit Card Holder shall be subjected to administrative charges according to provisions set out in the Billing Statements.
13. The Main Maybank Credit Card Holder agree that Maybank is entitled to use other party’s services for collecting in whatever manner deemed good according to the Maybank’s consideration so that the Main Maybank Credit Card Holder can settle any and/or all obligations rise out of the Maybank Credit Card in case credit quality of the Maybank Credit Card Holder is in bad state.
14. Maybank will consider over payment made by the Maybank Credit Card Holder with use of or transaction of the Maybank Credit Card in the following month. Repayment of overpayment will be made only by Maybank if the Main Maybank Credit Card Holder submit application in writing.
15. Maybank will repay overpayment made by the Maybank Credit Card Holder.
16. If the Maybank Credit Card Holder fails to make payment of the liabilities, the Maybank Credit Card Holder shall give the rights and the authorities to Maybank to:
1. nullify and/or freeze Maybank Credit Card temporarily or continuously;
2. set-off or liquidate guarantee or credit facility at Maybank in manner of debiting all guarantee and/or saving of the Maybank Credit Card Holder and/or guarantor (if any) either saved in saving account and/or Current Account and/or deposit account at Maybank either existing or to be existing in future to settle or pay all liabilities of the Maybank Credit Card Holder;
3. summon the Maybank Credit Card Holder and/or guarantor (if any) through the press;
4. collecting through the third party’s service if credit quality is bad;
5. submit request of bankruptcy to the Maybank Credit Card Holder and/or guarantor (if any);
6. declare that the Maybank Credit Card Holder breaches or fails to perform obligations rise out of other agreements with Maybank;
7. conduct other acts which according to Maybank is reasonable and good to conduct.

1. The amount of minimum payment of Outstanding Balance can be found at the Billing Statements.
2. Maybank will not charge interest if the Maybank Credit Card Holder pay in full all Outstanding Balance as contained in the Billing Statements and Maybank receives such payment not later than the Due Date.
3. If the Maybank Credit Card Holder fails to make payment in full of entire Outstanding Balance on Due Date, the interest and penalty shall be added on subsequent billing.
4. Any and/or all interest of the credit card transaction will be imposed to the Maybank Credit Card Holder if;
1. Payment of the billing received by Maybank after the Due Date; or Cash Advance is undertaken ; or
2. Payment of the billing is not received by Maybank; or
3. Payment of the billing is not full or less than the Outstanding Balance.
5. The interest is collected per month based on Daily Outstanding Balance, where the interest is counted from the transaction date booked by Maybank until total payment of all Outstanding Balance made by the Main Maybank Credit Card Holder. The amount of interest can be found in the Billing Statements.
6. The Maybank Credit Card Holder will be imposed the late charge which amount can be found in the Billing Statements. The late charge will be imposed to the Maybank Credit Card Holder if,
1. He/she pays the billing exceed the due date; or
2. He/she pays less than minimum payment; or
3. He/she fails to make payment.
7. The Main Maybank Credit Card Holder will be imposed the charges which amount can be found on the Billing Statements in case the Maybank Credit Card Holder makes transaction exceed the given Maybank Credit Card Ceiling.
8. Other charges in relation to transactions of the Maybank Credit Card can be found in the Billing Statements.
9. If due to provision of Law, Maybank shall pay fees in relation to the Maybank Credit Card including the third party’s billing fee, so the fees rise out of or in connection with the Maybank credit card will be charged to the Maybank Credit Card Holder.
10. If Maybank changes the amount of minimum payment, the amount of interest and other fees shall be notified from time to time to the Maybank Credit Card Holder.
11. In accordance with prevailing banking requirements, the late payment of obligation of the Maybank Credit Card’s holder to Maybank will influence reporting credit quality/collectability of the Maybank Credit Hard Holder by Maybank. Credit quality/collectability status of the Maybank Credit Card Holder shall be reported from time to time by Maybank to Bank Indonesia. Credit quality/collectability status as set out in the Bank Indonesia’s regulation and consequence of each status of credit quality/collectability is given as follows:
1. Smooth
Payment is made punctually and no payment in arrear.
2. Under Special Attention
There is payment in arrear of the principle and/or interest of Maybank Credit Card until 90 (ninety) calendar day. In respect with this matter, Maybank will undertake its rights rise out of these terms and conditions including to deliver warning letter and to make a collection among other through whatever communication media and/or authorized representative appointed by Maybank.
3. Less smooth
There is arrear in payment of the principle and/or interest of the Maybank Credit Card Billing that exceeds 90 (ninety) calendar days until 120 (one hundred twenty) calendar days. To this matter, Maybank will undertake its rights  that rise out of these Terms and Conditions including to deliver warning letter and make a collection among others are through whatever communication media also and/or authorized representative appointed by Maybank.
4. Doubted
There is arrear in payment of principle and/or interest of the credit card billing that exceeds 120 (one hundred and twenty) calendar days until 180 (one hundred eighty) calendar days. To this matter, Maybank will undertake its rights that rise out of these terms and conditions including to deliver warning letter and make a collection through whatever communication media and also authorized representative appointed by Maybank .
5. Bad Debt
There is arrear in payment of principle and/or interest of the Maybank Credit Card Billing that exceeds 180 (one hundred eighty) calendar days.
To this matter, Maybank will undertake its rights that rise out of these terms and conditions including to make a collection in whatever manner deemed good by Maybank among others through authorized representative appointed by Maybank and/or any third party partners up with Maybank.
12. Priority order of the payment made by the the Maybank Credit Card Holder is as follows:
1. payment in full of fees and penalty
2. payment in full of principle in the amount of 60%
3. payment in full of interest of 40%

1. Each transaction that uses Maybank Credit Card requires authorization prior accepted by Merchant. Maybank shall deserve right to reject authorization of each transaction without reason or without prior notice and Maybank is not responsible to the Maybank Credit Card Holder or other parties of all consequences rise out of such rejection.
2. When Maybank gives approval of authorization, Maybank considers transaction occurred and therefore it will reduce the Maybank Credit Card Ceiling available in the Maybank Credit Card in the amount agreed
3. If he Merchant issues billing in relation to purchase transaction, and then after the billing received by Maybank, Maybank will charge the amount stated in the billing to the Maybank Credit Card

1. Maybank is entitled to block and/or nullify Maybank Credit Card, either temporary or permanently without prior notice to the Maybank Credit Card Holder.
2. In case blocking and/or nullifying Maybank Credit Card Occurs, Maybank has deserve the rights to declare that all outstanding balance of the Maybank Credit Card Holder falls due and can be immediately collected and paid in cash and in full.
3. Blocking and/or nullifying Maybank Credit Card occurs if any one or more of the following events occurred:
1. Maybank is in opinion that the Maybank Credit Card Holder and/or Guarantor (if any) breaches against provision available in the Document of Use of Maybank Credit Card and any extension/amendment/renewal and other provisions existing or in future including the occurrence of Cross Default;
2. Nameof the Maybank Credit Card Holder is listed in the Bank Indonesia’s Blacklist and/or the Indonesian Credit Card Association’s Blacklist;
3. The Maybank Credit Card Holder and/or guarantor (if any) fails or breaches against any provision of credit agreement and/or other agreements made by Maybank;
4. The Maybank Credit Card not pay outstanding balance or pay less than minimum payment;
5. The Maybank Credit Card Holder and/or guarantor (if any) involved either in criminal or civil case;
6. The properties of the Maybank Credit Card Holder and/or guarantor (if any) is confiscated;
7. The Maybank Credit Card holder and/or guarantor (if any) dies, under guardian /legal defect or requested to be bankruptcy/being liquidated or his/her business permit is revoked.
8. Financial condition of the Maybank Credit Card Holder and/or guarantor (if any), bonafide and solvability according to Maybank worsens in such a way so it influence capability of the Maybank Credit Card Holder and/or guarantor (if any) to meet his/her obligations based upon the Maybank Credit Card Usage Document.
9. Document, declaration, information given by the Maybank Credit Card Holder and/or guarantor (if any) to Maybank, according to consideration of Maybank are not true/complete or the Maybank Credit Card Holder not give information needed by Maybank correctly and completely;
10. There is request from the Main Maybank Credit Card Holder / /his or her attorney or order from the relevant authorized institution according to prevailing law and regulation;
11. Maybank cannot contact the Maybank Credit Card Holder and/or guarantor (if any);
12. Maybank is in opinion that the Maybank Credit Card Holder makes detrimental transaction;
13. Maybank uses its right to declare Cross Default;
14. The Maybank Credit Card Holder terminates in use of the Maybank Credit Card;
15. Based on credit quality of the Maybank Credit Card Holder, there is credit quality decrease at another bank according prevailing banking regulation.

4. Maybank is entitled:

1. Unconditionally cancel at any time the Maybank Credit Card Ceiling which is not used by the Maybank Credit Card Holder; or
2. Automatically cancel the Maybank Credit Card ceiling which is not used by the Maybank Credit Card Holder if the current condition/quality slids to less smooth, doubted or bad.

1. If the Maybank Credit Card Holder objects/disagrees with billing as contained in the Billing Statements and/or intends to complain in relation to the Maybank Credit Card service or transaction, the Maybank Credit Card Holder must file objection or complaint in writing and submit his/her supporting documents that is photocopy of the Billing Statements, photocopy of identity (KTP/Passport), Sales Draft (if any) and photocopy of the Maybank Credit Card within 30 calendar days period as of the Billing Date to Maybank. The writing objection and/or complaint must be submitted to Maybank Card Center PO Box 2863 Jakarta Jakarta 10001 or email to customercare@maybank.co.id.
2. Maybank will proceed and follow up objection or complaint of the Maybank Credit Card Holder within 30 (thirty) working days with effect from supporting document declared complete by Maybank, provided that Maybank still entitled to extend estimation of the complaint settlement period with reference to the problems complexity and investigation process to the relevant parties.
3. Objection or complaint accepted by Maybank after the period as referred to in article XI.1, will not be further proceeded by Maybank, so that any and/or all losses stated in objection or complaint will fully become responsibility of the Maybank Credit Card Holder.
4. Unless otherwise stated by Maybank, as long as objection or complaint is being proceeded, the Main Maybank Credit Card Holder shall pay first his/her obligation.
5. If the Maybank Credit Card Holder feels no longer able to pay or settle his/her Maybank Credit Card billing, the Maybank Credit Card Holder shall inform Maybank in writing declaring the reasons and accompanied with supporting documents/evidences. If Maybank agrees, Maybank may consider for credit reconstruction.

1. If the Maybank Credit card is damaged or cannot be used according to its function, The Maybank Credit Card Holder shall immediately notify to Maybank.
2. If the Maybank Credit Card is lost and/or misused, the Maybank Credit Card Holder shall immediately notify to Maybank and accompanied with original Certificate of lost of Maybank Credit Card issued by the Police (relevant authority) and the documents require by Maybank, the documents of which will be notified from time to time.
3. Despite the Maybank Credit Card lost already notified first to Maybank, but the Maybank Credit Card Holder is still responsible for unauthorized transaction that rises out or as consequence of the lost or stolen or misused by the Maybank Credit Card that occurred until the original Certificate of Report of the Maybank Credit Card Lost received and acknowledged by the Maybank’s relevant official.
4. If according to consideration of Maybank signals there is abnormal matter to the damaged/loss Maybank Credit Card or Maybank Credit Card misusage or in case the Maybank Credit Card Holder unsettled the billing with effect from due date or if Maybank chooses other reasons, the reasons of which no need submitted to the Maybank Credit Card Holder, Maybank may reject to issue the new/replacement Maybank Credit Card.
5. If in future the lost Maybank Credit Card is found, so for purpose of security or prevent further misusage, the Maybank Credit Card shall be returned to Maybank in condition cut into 2 pieces at the chip or magnetic stripe parts of the Maybank Credit Card.

1. The Maybank Credit Card Holder hereby gives approval to Maybank to exchange information on data or identity of the Maybank Credit Card Holder with other parties including other issuers of the Maybank Credit Card and/or Indonesia association of Credit Card (AKKI) according to prevailing regulations.
2. The Maybank Credit Card Holder shall keep harmless Maybank from any and/or all demands that rises out of giving and/or acceptance of the data.

1. The Main Maybank Credit Card Holder gives irrevocable power and authority with substitution rights to Maybank in order that Maybank can perform its rights and obligations rises out of the Maybank Credit Card usage Documents, including authority to Maybank to give information or data of the Maybank Credit Card Holder to the other party for the need of marketing the Maybank products, marketing the use/benefit of Maybank Credit Card, cross selling purpose and any other commercial objectives if the Main Maybank Credit Card Holder has given written approval.
2. If in the implementation of the rights and obligations Maybank is required to make a separated Power of Attorney or if there is amendment to existing law and regulation or implementation of new law and regulations that obligates Maybank to obtain a special power of attorney from the Main Maybank Credit Card Holder, so the Main Maybank Credit Card holder now and then require to sign and delegate the abovementioned power and attorney at the first request from Maybank.
3. As long as the Maybank Credit Card Holder still has liabilities with Maybank, all powers given by the Maybank Credit Card holder, including all powers given in the Maybank Credit Card Usage Documents cannot be revoked/cancelled without prior written consent from Maybank and will not be terminated due to whatever reasons, including the causes set out in article 1813, 1814 and 1816 of the Civil Code.

1. Each notice, including Billing Statements as referred to in article VII.2 will be sent to address of the Main Maybank Credit Card Holder recorded on Maybank Data.
2. The Main Maybank Credit Card Holder shall immediately notify Maybank if there is change of address of billing or domicile or company address where the Maybank Credit Card Holder works.
3. The Main Maybank Credit Card Holder agrees that written notice including Billing Statements delivered by Maybank can be in the form of computer printed document and/or other documents in electronic form and the Main Maybank Credit Card Holder agrees that such notice is valid and bind and can be used as valid proofs both within and outside the court.
4. If the Maybank Credit Card Holder intends to ask questions, objections or information relating to the Maybank Credit Card, he/she may contact address or telephone number or email contained in the Billing Statements or telephone number or email stated in overleaf page of the Maybank Credit Card.
5. Maybank is not responsible of the late acceptance of Billing Statements due to failure of the Maybank Credit Card Holder.
6. If the Billing Statement is delayed or not accepted by the Maybank Credit Card Holder, the Maybank Credit Card Holder shall report it to Maybank not later than 30 calendar days from the Billing Date.

1. Validity of the Maybank Credit Card can be seen on Maybank Credit Card or notification to be submitted by Maybank from time to time.
2. Unless otherwise stated by Maybank, the Maybank Credit Card will be automatically extended when its validity expires.
3. If Maybank agrees to extend the Maybank Credit Card validity, Maybank will issue the new Maybank Credit Card with the costs become responsibility of the Main Maybank Credit Card Holder.
4. If Maybank agrees, at request of the Main Maybank Credit Card Holder, Maybank can issue the replacement Maybank Credit Card at the Main Maybank Credit Card Holder‘s costs.
5. Maybank will agree termination of use of Maybank Credit Card if the Maybank Credit Card Holder already paid in full outstanding balance.
6. If Maybank intends to terminate its relationship/ end providing Maybank Credit Card Facility to the Maybank Credit Card Holder, the Maybank Credit Card Holder shall meet each of his/her liability remain unsettled at the time of termination of the relationship and if the Maybank Credit Card Holder remain unsettled his/her liabilities to Maybank, Maybank shall be authorized by the Maybank Credit Card Holder to debit the Maybank Credit Card Guarantee given (if any) and/or debit amount of money from saving/deposit/other accounts of the Maybank Credit Card Holder at Maybank.
7. Maybank is not responsible in case of failure in issuing the new Maybank Credit Card as referred to in point 3 and 4 of this Article.

1. Documents of use of this Maybank Credit Card shall comply with Law of the Republic of Indonesia.
2. In case of dispute relating to document on use of this Maybank Credit Card, the Parties shall settle amicably or agree to firstly settle through banking mediation mechanism provided in provision of Bank Indonesia.
3. If the mechanism as referred to in Article XVII.2 above fails to find the resolution, the Parties agree to choose valid and permanent legal domicile at Registrar Office of the Central District Court without prejudice to the rights of Maybank to lodge demand/claim through other district court within territory of the Republic of Indonesia.

1. If the Maybank Credit Card holder agrees, he/she may become Life Insurance Customer of the Maybank Credit Card for settlement of liabilities to his/her Maybank Credit Card.
2. If payment of credit life insurance uses Maybank Credit Card, Maybank will impose Maybank Credit Card Life Insurance premium to the Maybank Credit Card Holder.
3. Matters that become the risk object covered by the life insurance company are contained in credit life insurance policy in which Maybank will be appointed as beneficiary of the insured sum if the Maybank Credit Card Holder meets the requirements as referred to in Maybank Credit Card Life Insurance policy.
4. Money obtained from the insurance company will be used to settle partial or entire billing/liabilities of the Maybank Credit Card Holder.
5. If Maybank not receive the insured sum or the insured sum received by Maybank from the insurance company not sufficient to settle the entire billing of the Maybank Credit Card Holder, then Maybank Credit Card Holder and/or the heirs and/or the party continues liabilities of the Main Maybank Credit Card Holder remain liable for the outstanding billing/liabilities of the Maybank Credit Card.
6. The Maybank Credit Card Holder shall keep harmless Maybank from actions of the insurance company and fully understands that the credit life insurance not constituting Maybank products. The Main Maybank Credit Card Holder also keep harmless Maybank from all responsibilities to the insurance claim.

1. The Maybank Credit Card Holder hereby (at once, when there is appearance of annual contribution and when Maybank Credit Card is used) acknowledge truly and validly make outstanding to Maybank together with interest and interest penalties and costs and other sums shall be paid by the Maybank Credit Card Holder to Maybank based upon these terms and conditions.
2. The Maybank Credit Card Holder agrees that the outstanding sum based on these terms and conditions evidenced from the documents in the form of books, records and administration maintained by Maybank concerning or in relation to annual contribution and/or use of the Maybank Credit Card.

1. Upon notice to the Main Maybank Credit Card Holder, Maybank at its sole discretion is entitled to assign entirely and/or partially outstanding balance to the Maybank Credit Card, including to assign partially or entirely his/her rights to whomsoever party.
2. The Maybank Credit Card Holder shall not assign entirely and/or partially outstanding balance of the Maybank Credit Card including to assign partially or entirely rights and/or obligations to whomsoever party without written consent of Maybank.
3. The Maybank Credit Card Holder declares that he/she will not use the Maybank Credit Card to make any transaction prohibited by prevailing law and regulation.
4. All evidences of transaction or record available at Maybank constituting valid evidence and bind the Maybank Credit Card Holder unless otherwise evidenced by the Maybank Credit Card Holder.
5. The Maybank Credit Card Holder agrees to enforce/ treat all records/photocopy/micro-film documents made by Maybank as valid evidence having equal force of law.
6. If there is dispute between the Maybank Credit Card Holder and Merchant, The Maybank Credit Card Holder shall not reject to perform his/her liabilities first as contained in the Billing Statements.
7. The Maybank Credit Card Holder shall comply with every and/or all rules and regulations on income transaction supervision and transaction applicable in connection with use of Maybank Credit Card. In this case, the Main Maybank Credit Card Holder agrees to give compensation of each consequence of mistake and/or failure of the Maybank Credit Card Holder.
8. The Maybank Credit Card holder hereby declares that he/she is available in providing explanation, documentations and other records relating to the use of the Maybank Credit Card needed by Maybank from time to time.
9. The Maybank Credit Card Holder hereby declares available to cooperate with Maybank in finishing a legal process.
10. No failure, delay or suspension of Maybank for undertaking its rights rise out of the Documents on Use of Maybank Credit Card or failure, delay or suspension of Maybank for requesting the Maybank Credit Card holder to meet the provisions contained in the Document on Use of the Maybank Credit Card, is waiver or release of rights, authorities or demands by Maybank in future demanding for fulfillment of the provisions in the Document of Use of Maybank Credit Card.
11. Any and/or all termination of the provisions and requirements set out in the Document on Use of the Maybank Credit Card is putting aside provision of Article 1266 Civil Code.