At a Glance

Loans disbursement through any ATMs

whenever you need.

Freedom to choose fixed installment period.

 

Loans up to Rp 200 mio.

 

 

Product Detail

Free of charges
  • This is the true loan to make your life easier, with no charges at all!
  • FREE annual fee
  • FREE administration fees
  • FREE transfers to all banks in Indonesia
  • FREE conversion fees to fixed installments
  • FREE from penalty if you settle up, before maturity date.
  • So what are you waiting for? digibank understands you better!
Easy Funds Disbursement
You can do it with your card or simply use digibank app.
 

Requirement, Rates and Fees

Application Documents
 

General Criteria

Employee

Entrepreneur

Professional

WNI (Indonesian Citizen) with a minimum age of 21 years and maximum age of 55 years

v

v

v

Minimum gross income per month

IDR 3.000.000,-

IDR 5.000.000,-

IDR 5.000.000,-

Minimum credit card limit

IDR 6.000.000,-

IDR 7.000.000,-

IDR 7.000.000,-

Minimum length of business or service

1 year and as permanent employee

2 years

2 years

Minimum active period of credit card at other banks

1 years

2 years

2 years


digibank Cashline only valid for invitation

Document*

Employee

Self-employed

Professional

Original Application

v

v

v

Copy of eKTP

v

v

v

Copy of Credit Card

v

v

v

Copy of NPWP/ SPT PPH 21

v

v

v


Accrued Interest or Revolving Rate is calculated by way of accumulating daily interest rates from the day the transaction is made until the day of full payment received by the Bank

Accrued Interest / Revolving Rate*

Effective per month

Regular

2.98%


The Calculation of Interest Rates of Fixed Installments still use the annuity method where the amount of interest is higher than the amount of principal on the initial installment. During the loan period, this composition will reverse into its opposite

Area

Flat per month

Regular - 3 months Tenor

0.99%

Regular - 6 months Tenor

1.69%

Regular - 9 months Tenor

1.69%

Regular - 12 months Tenor

1.69%

Regular - 18 months Tenor

1.69%

Regular - 24 months Tenor

1.69%

Regular - 36 months Tenor

1.69%

Regular - 48 months Tenor

1.79%

Regular - 60 months Tenor

1.70%

For more details on how to calculate your interests, please click here.

Interest Rates are indicative. The calculation of the actual interest is daily interest based on the effective interest for a year divided into 365 (three hundred sixty- five) days as stated in the Monthly Billing Statement of DBS Cashline.


Annual Fee

Free

Cash Transfer Fee

Free

Fixed Installment Conversion Fee

Free

Late Fee

Per the lateness is Rp150,000 or 6% of the printed billing statements, whichever is greater

Early Redemption Fee

Free

Cancellation Fee

Free

Autodebit Rejection Fee

Rp50,000 per rejection

Stamp Duty Charges

Rp3,000 or Rp6,000 depends on the amount stated in the billing statements

Insurance Premium

0.18% from the credit limit

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