Pursuant to Bank Indonesia Regulation No.14/2/PB/2012 concerning the amendment of Bank Indonesia Regulation No.11/11/PB/2009, and the implementation of card payment instrument activities, it is regulated that issuers and acquirers are obliged to maintain that credit cards are not used outside the designation as a means of payment.

What is Gesek Tunai (Unofficial Cash Withdrawal)?
Credit card cash swipe/gesek tunai is a cash withdrawal activity not conducted through an ATM machine. With gesek tunai, the cardholder initiates a retail transaction cash "purchase" transaction, where the cardholder can get the amount of cash needed with a certain fee charged by the merchant.

We inform all Panin Credit Card holders:
1. Panin Credit Card may only be used for retail transactions and cash withdrawals at ATMs and tellers.
2. Cash withdrawals outside ATMs and tellers, namely through swiping at merchants are not allowed.
3. PaninBank has the right to evaluate any transactions made in a suspected gesek tunai merchants by unilaterally reducing the credit limit or closing a credit card that was used to transact at the suspected merchant.