• Valid for Panin Visa Gold, Panin Visa Platinum, and Panin Visa Infinite.
• Panin Point redemption can only be done by the Main Holder of an active Panin Credit Card that is not in a blocked condition and without payment arrears.
• Every purchase transaction worth IDR 25,000 will get 1 (one) Panin Point.
• The accumulated Panin Points cannot be exchanged for money, moved, or transferred to other Panin Credit Card Holders.
• Panin Point information can be viewed on the Panin Mobile application, on the Panin Credit Card billing statement, or when contacting CallPanin.
• Panin Point redemption can be done via CallPanin at 1500678.

• Saya mengajukan aplikasi e-Statement dalam rangka untuk mendapatkan fasilitas layanan pengiriman tagihan
• Kartu Kredit PaninBank melalui alamat email yang berlaku dan masih aktif sesuai dengan tanggal cetak Kartu Kredit.
• Saya menegaskan bahwa semua data yang ada dalam Formulir permohonan e-Statement adalah benar, lengkap dan tepat sesuai dengan data saya terbaru.
• Saya memahami dan meyetujui bahwa pihak PaninBank berhak untuk melakukan konfirmasi dan validasi terhadap kebenaran/keaslian data yang ada dalam Formulir permohonan e-Statement yang saya ajukan.
• Informasi produk dan layanan Kartu Kredit PaninBank akan saya peroleh melalui website PaninBank www.panin.co.id atau 24 jam CallPanin di 1500678.
• Saya setuju untuk menerima dan mengikatkan diri pada semua syarat dan ketentuan e-Statement yang yang telah dibuat oleh PaninBank.
• Untuk ketidaksesuaian transaksi pada e-Statement, sanggahan dapat diajukan selambat-lambatnya 30 hari sejak tanggal cetak tagihan Kartu Kredit melalui 24 jam callPanin di 1500678.
• Bank tidak bertanggungjawab yang disebabkan oleh kesalahan saya dalam mencantumkan penulisan informasi nomor Kartu Kredit, alamat email dan data pribadi dalam Formulir e-Statement, temasuk dalam hal terdapatnya kegagalan/kesalahan sistem walaupun telah dilakukan seluruh upaya kehati-hatian sesuai standar yang berlaku.
• Saya akan menghubungi Call Center Panin Bank atau Cabang PaninBank apabila :
  • Tidak menerima e-Statement
  • Terdapat kesalahan total transaksi
  • Terdapat perubahan alamat email dan/atau data pribadi
• Layanan e-Statement akan berakhir jika Kartu Kredit PaninBank ditutup atas permintaan pemegang Kartu Kredit atau atas keputusan PaninBank dengan atau tanpa pemberitahuan terlebih dahulu kepada pemegang Kartu.
• Saya memahami bahwa pihak PaninBank berhak untuk mengubah dan atau menambahkan syarat dan ketentuan terhadap fasilitas e-Statement yang akan diinformasikan kemudian hari.
• PaninBank berhak menghentikan layanan e-Statement untuk sementara waktu maupun untuk jangka waktu tertentu yang ditentukan oleh PaninBank untuk keperluan pembaharuan, pemeliharaan atau untuk tujuan lain dengan alasan apapun yang dianggap baik oleh Bank, dan untuk itu PaninBank tidak berkewajiban mempertanggung jawabkannya kepada siapapun.

• Main Card holders get 3 (three) times free to visit priority pass lounges.
• Valid for card holder and guest.
• Supplementary Cardholders get free of charge on the first visit to the priority pass lounge.
• Subsequent visits will be charged IDR350.000 per person.

Contact CallPanin1500678 to get Priority Pass card with term & condition that applied.

Priority Pass Lounge Information visits www.prioritypass.com

• Customers can register by calling 24 Hours CallPanin at 1500678.
• The application for registration of recurring payment facilities must be made by the main Cardholder. Especially for Panin Visa Corporate, the application for registration must be made through the PIC of the Company.
• This applies to all holders of Panin Visa Gold, Panin Visa Platinum, Panin Visa Infinite, and Panin Visa Corporate.
• If the registration of recurring payments is received by PaninBank before or on the 25th day of the month, PaninBank will process all invoices received in the following month.
• If the registration is received by PaninBank after the 25th day of the month until the end of the month, the processing and bookkeeping of the bill on the Credit Card will be carried out in the following month. Therefore, the Cardholder must pay the bill themselves to the Provider/Biller the following month.
• The Cardholder hereby authorizes PaninBank to debit the Panin Credit Card and pay the service bill to the Provider/Biller.
• PaninBank at its sole discretion may reject the application for recurring payment facilities.
• Cardholders can register more than 1 Customer ID.
• Administration fee for recurring payments: PLN: IDR 5,000 per transaction or debit; and for Telkom, Telkom Speedy, Telkomsel, Indosat, XL, Tri, First Media, Smartfren: IDR 2,500,- per transaction or debit (fees are subject to change at any time and will be communicated through written notice or other media).
• If the credit limit available on the Panin Credit Card is insufficient, the Credit Card is blocked, or there are other causes that result in the Provider/Biller bill not being able to be processed by auto-debit on the Credit Card, then PaninBank automatically reserves the right not to pay the bill from the Provider/Biller on that month.
• Successful registration cannot be canceled.
• Bill payment transactions or recurring payments do not earn Panin Points.

• Valid for all Panin Visa Gold, Panin Visa Platinum, and Panin Visa Infinite holders.
• Minimum transaction:
• Panin Visa Gold: IDR500.000,-
• Panin Visa Platinum and Panin Visa Infinite: IDR1.000.000,-
• The card is active.
• Valid for all retail transactions at home and abroad.
• Not valid for cash advance or cash withdrawal transactions.
• Transaction changes to installments can be made by calling 24 hours Call Panin at 1500678 or +6221-251 5555 from abroad. In addition, you can visit the following link http://bit.ly/KKCicilan
• Transaction changes to installments can be made a maximum of 14 calendar days from the transaction date.
• Installment cancellation fees are subject to a penalty of 2.5% of the remaining installments or a minimum of IDR200,000,-
• Penalty fees are subject to change at any time and will be communicated through written notice or other media.

• IDR1 (One Rupiah) charged per visit with a maximum of 4 (Four) times a month.
• Outside of these conditions, a fee of IDR150,000 per card per visit will be charged.
• Valid for main card holders and supplement card holders.

Free travel insurance protection for Panin Credit Card holders, including:

Air Travel Accident Insurance

• Maximum protection up to IDR 1,000,000,000.

Flight delays/cancellations

• Maximum reimbursement is IDR 4,000,000 per person or IDR 8,000,000 per family.

Baggage Delay

• Maximum reimbursement is IDR 4,000,000 per person or IDR 8,000,000 per family.

Baggage Loss

• Maximum reimbursement is IDR 20,000,000 per person or IDR 40,000,000 per family.

Free services that can provide access to extraordinary experiences every day through various services, facilities and other privileges.

• Hotel reservation and restaurant.
• Recommendation for local activity and attraction.
• Virtual event and outdoor activity.
• Assistance in health, business and other services.

For more information check : www.concierge-asia.visa.com

Insurance feature to cover the repayment of Panin Credit Card balances if the cardholder dies or suffers from total permanent disability.

• Insurance premi is 0.5% from the monthly bill.
• The insured value is 100% of the total bill with a maximum sum insured of IDR500.000.000,-.
• Coverage period until the insured is 65 years old.