Terms and Conditions of Use of Maybank Credit Card

1. Maybank is PT Bank Maybank Indonesia Tbk, which is a limited liability company licensed and supervised by the Financial Services Authority and all products or services issued by Maybank are in accordance with laws and regulations, especially in the financial services
2. Maybank Credit Card (hereinafter referred to as Credit Card) is a payment instrument in the form of a credit card either in physical and/or virtual form that can be used to make payments for obligations arising from an economic activity, including shopping transactions and/or to make cash withdrawals, where the payment obligations of the Maybank Credit Cardholder are fulfilled in advance by Maybank and the Maybank Credit Cardholder is obliged to make payments at the agreed time either by lump sum payment or by cash payment. Credit Cards issued by Maybank are Maybank Visa Credit Cards, Maybank Master Card Credit Cards and other Maybank Credit Cards that will be determined from time to time.
3. Cross Default is a right owned by Maybank if according to Maybank there is a condition where the Maybank Credit Cardholder and/or its guarantor fails to carry out an obligation or violates the provisions contained in another agreement made between Maybank and the Maybank Credit Cardholder and/or its guarantor, then Maybank has the right to declare that the Maybank Credit Cardholder has automatically committed negligence or violation of these Terms and
4. Credit Card Usage Documents are all and every document for the operation/use of the Credit Card between Maybank and the Major Credit Card Maybankholder, including but not limited to the Credit Card Application Form and the documents contained in the Welcome Package, Credit Card Carrier and Billing Notice.
5. Business Day means every day that Maybank conducts clearing transactions
6. Primary Credit Card is a Credit Card provided by Maybank to the Maybank Primary Credit Cardholder.
7. Additional Credit Card is a Credit Card provided by Maybank to the Holder of Maybank Additional Credit Card based on the application of Maybank Main Credit Cardh
8. Merchant is a seller of goods and/or services that receives payment from Credit Card usage
9. One-Time Password (hereinafter referred to as OTP) is a certain password/code sent by Maybank to the Maybank Credit Cardholder via SMS. Maybank Credit Cardholder are required to enter the OTP every time the Maybank Credit Cardholder makes an online credit card
10. Credit Cardholder is Maybank Primary Credit Cardholder and/or Supplementary Credit Cardh
11. Maybank Main Credit Cardholder is the authorized user whose name is printed on the Main Credit Maybank Primary Credit Cardholder can submit an application to Maybank to appoint other parties to use/enjoy Credit Card facilities.
12. Maybank Supplement Credit Cardholder is an authorized user whose name is printed on the Supplement Credit Card. The Maybank Supplement Credit Cardholder is a party that has been approved by Maybank based on an application from the Maybank Main Credit Cardholder to be able to use/enjoy the Main Credit Card
13. Billing Notice or also known as Billing Statement is information related to the details of bills for the Outstanding Balance that must be paid by the Maybank Credit Cardholder related to the use of the Credit Card.
14. Cash Withdrawal or also known as Cash Advance is a withdrawal of money made by Maybank Credit Cardholder using a Credit Card. This withdrawal can be made by Maybank Credit Cardholders at Maybank branch offices or Maybank ATMs or ATMs of other banks that have a Visa  / Mastercard® /JCB license or at other places notified by Maybank from time to time.
15. Credit Card Limit is the maximum limit of Credit Card usage given by Maybank to Maybank Credit
16. Personal Identification Number (hereinafter referred to as PIN) is a personal identification number provided by Maybank which is confidential and only known by the Maybank Credit Cardholder and is not allowed to be disclosed to other parties.
17. Due Date is the date on which the deadline for payment of the Credit Card bill by the Main Maybank Credit The due date is listed on the Billing Notice.
18. Billing Date is the date on which transactions - (transactions) and other outstanding balances from the use of Credit Cards are
19. Outstanding Balance is the outstanding balance of Credit Card charges at the time of the Billing Date which includes the previous month's outstanding balance plus transactions up to the Billing Date, fees, interest, less payments and
20. Terms and Conditions of Credit Card Use (hereinafter referred to as Terms and Conditions) are these Terms and Conditions of Credit Card Use along with any amendments, additions or attachments that exist or will exist in the future which will be determined by Maybank and delivered to Maybank Credit Cardholder from time to
21. Sales Draft is a document that is evidence of a Credit Card transaction with a Merchant or with other third

1. By activating and/or using Maybank Credit Card and as long as Maybank Credit Card is still used by the Maybank Credit Cardholder, the Maybank Credit Cardholder has agreed and bound himself/herself to be subject to these Terms and
2. Maybank has the right to change, reduce or add to the terms or conditions in these Terms and Conditions including but not limited to the amount of fines, administrative fees, the amount of Credit Card Limit, the amount of minimum payments which will become binding since the changes, additions and / or reductions are made by notifying the Main Maybank Credit Cardholder at least 30 (thirty) Business Days in advance which will be conveyed using media / means that are legally justified and / or deemed good by
3. If the Maybank Credit Cardholder does not agree with the changes/reductions/additions to the Terms and Conditions as referred to in article 2, the Credit Cardholder can contact Maybank.

1. Maybank Credit Cardholder agrees to pay annual fee for the use of Maybank Credit Card. The annual fee that has been paid cannot be requested
2. The amount of annual fee is in accordance with Maybank's provisions and will be billed together with the Billing Notice.

1. Maybank Credit Card issuance is carried out by Maybank if the requirements of Maybank have been
2. Credit Cards can only be used by Maybank Credit Cardholders and may not be transferred and/or pledged for any reason/method and to If the Credit Card is used by a non-Maybank Credit Cardholder, then all risks arising are the responsibility of the Maybank Credit Cardholder. The Maybank Credit Cardholder releases Maybank from any responsibility related to the use of the Credit Card.
3. Maybank will issue a PIN for Maybank Credit Cardholder so that Maybank Credit Cardholder can carry out Credit Card transactions that require PIN media, such as transactions at merchants / offline In addition to PIN, Maybank will also issue an OTP that is required by Credit Cardholder to conduct Credit Card transactions online. Maybank Credit Cardholder are required to maintain the confidentiality of the PIN or OTP and are fully responsible for the use or misuse of the PIN or OTP and release Maybank for all claims / suits that occur due to misuse of the PIN or OTP by Maybank Credit Cardholder.
4. Maybank Main Credit Card holder is responsible for all transactions using the Main Credit Card and Supplement Credit
5. Credit Cards can be used as a means of payment with merchants as long as it is still valid and there is a remaining Credit Card Limit that has not been Credit Cards can also be used to make Cash Withdrawals at ATM machines with cash withdrawal limits as stipulated in article VI.4.
6. Maybank Main Credit Cardholder is responsible for any and all Credit Card transactions, including those made by Maybank Supplement Credit Cardholder, including if the Main Credit Card and/or Supplement Credit Card is lost or misused for any
7. The Credit Card is the property of Maybank and therefore must be returned immediately if requested by Maybank without any requirement for Maybank to give a reason. If not requested by Maybank and the Maybank Credit Cardholder intends not to reuse his/her Credit Card or in the event that the Credit Card has expired, the Maybank Credit Cardholder is obliged to immediately destroy or cut the Credit Card into 2 parts by hitting the chip and magnetic stripe parts of the Credit
8. The use/enforcement of the Credit Card can be extended automatically based on Maybank's approval, unless there is a cancellation/termination request submitted by the Major Maybank Credit Cardholder to Maybank or there are restrictions on the use/enforcement of the Credit Card based on applicable
9. All Credit Card transactions will be billed by Maybank to the Main Maybank Credit Cardholder in Rupiah currency. Credit Card transactions made in foreign currencies, will be converted into Rupiah in accordance with the prevailing exchange rate provisions at Maybank when the transaction is booked. Maybank Credit Cardholder understand that (i). this conversion can be done by Maybank in accordance with the applicable policies at Maybank (ii). there is no requirement for Maybank to notify and obtain prior approval from Maybank Credit
10. Maybank Credit Cardholder must keep a copy of the Sales Draft or invoice/transaction receipt to match the calculation stated in the Billing Notice. If the data in the copy of Sales Draft or invoice/transaction receipt is different from that in Maybank, the data in Maybank shall prevail unless the Maybank Credit Cardholder can prove
11. Maybank Credit Cardholders are responsible for problems/disputes related to the purchase of goods/services obtained from Credit Card transactions. If a claim/dispute arises with the Merchant, the Maybank Credit Cardholder is not entitled to refuse to pay the bill for the
12. Maybank is not responsible if there is a refusal of payment with a Credit Card by the Merchant or any other

1. What is meant by Virtual Credit Card is a Credit Card whose application is made through the M2U ID
2. Activation of the Virtual Credit Card carried out by the Maybank Credit Cardholder is the sole responsibility of the Maybank Credit Cardholder. Maybank Credit Cardholder understand the consequences that may occur after the activation process is carried
3. Maybank Credit Cardholder declare (i) release Maybank from all claims / suits from any party and (ii) understand any risks that may occur and become the responsibility of Maybank Credit Cardholder if the physical Credit Card has not been received.

1. Cash withdrawal can be done at Maybank branch offices or ATMs with Cirrus, ALTO, ATM Bersama and Prima logos using PIN both in Indonesia and
2. Cash Withdrawal will be subject to administration fee and interest, the amount of which will be determined by Maybank and submitted to the Maybank Major Credit Cardholder from time to
3. Interest as referred to in article VI.2 is calculated from the date of Cash Withdrawal until the date of payment.
4. Unless specifically stated by Maybank, the maximum Cash Withdrawal is:
   1. 60% of the Credit Card Maybank Credit Cardholder will be charged with administration fee and interest calculated from the date of withdrawal until the Payment Date; or
   2. in the amount of the remaining Credit Card limit; or
   3. a certain amount determined by
5. The maximum amount of Cash Withdrawal, administration fee and interest is determined by Maybank and will be notified to Maybank Main Credit Card Holders and/or Maybank Supplement Credit Card Holders through Billing Statement/Invoice Notification.

1. Maybank has the right to set the Credit Card Limit. Maybank Credit Card holders can see the amount of Credit Card Limit in the Welcome Package / Credit Card Carrier. At its own discretion and without the need to convey the reason, Maybank has the right to change the amount of Credit Card Limit. If there is a change in the amount of the Credit Card Limit, Maybank will notify the change immediately to the Credit Card Holder through the applicable Maybank media.
2. If the Maybank Credit Cardholder uses the Credit Card in excess of the Credit Card Limit, the excess is subject to a fine, the amount of which is stated in the Billing
3. If the Maybank Credit Cardholder does not pay off the excess use of the Credit Card as referred to in article VII.2, then Maybank has the right to terminate the use of the Credit Card without prior notice to the Major Credit Cardholder and then the Maybank Credit Cardholder is obliged to pay all debts to Maybank immediately and at once, including debts for using the Supplement Credit Maybank will immediately notify the Major Maybank Credit Cardholder immediately after the termination.
4. Maybank Major Credit Cardholder can submit requests for additional/increased Credit Card Limit either temporarily or At its discretion, Maybank has the right not to approve the request and Maybank will notify the rejection without being obliged to provide reasons. In the event that the request is approved, Maybank will notify the Maybank Major Credit Cardholder.
5. Maybank has the right based on its own judgment to change/review the amount of Credit Card Limit for Additional Credit Cards at any time. For such changes, Maybank will notify Maybank Credit Cardholder immediately after the changes take

1. Maybank will pay in advance to the Merchant or other banks all Credit Card transactions based on the Sales Draft or based on the billing list submitted to Maybank. The Maybank Credit Cardholder is responsible to Maybank for the amount stated in the Sales Draft or the list of bills.
2. Invoice Notification will be sent by Maybank to Maybank Main Credit Cardholders and/or Supplementary Credit Cardholders every month or other times deemed necessary by Maybank. The Invoice Notice will not be sent by Maybank if there is no Outstanding Balance or if there is no payment of all or part of the Outstanding Balance after 3 (three) consecutive Invoice Notices have been sent to the Main Credit Cardholders and/or Supplementary Credit Cardholders.
3. Non-receipt of the Invoice Notification by the Main Maybank Credit Cardholder and/or Supplement Maybank Credit Cardholder, does not relieve the Main Maybank Credit Cardholder and/or Supplement Maybank Credit Cardholder from the obligation to pay/pay off their
4. If requested by the Maybank Credit Cardholder, Maybank can provide a copy of the Notice of Charges for a maximum of the last 12
5. Maybank Credit Cardholder are required to make payments / repayments for the use of Credit Cards in accordance with the amount stated in the Billing
6. Billing for transactions using the Main Credit Card and Supplementary Credit Card is the responsibility of the Maybank Credit Cardholder to For bills for the use of Credit Cards used by Supplement Maybank Credit Cardholder will be billed to the Maybank Main Credit Cardholder and will be billed together with billing for the use of the Main Credit Card.
7. If there is a cancellation of the Supplement Credit Card, then all outstanding bills for the use/transaction of the Supplement Credit Card are transferred and become the burden of the Main Credit Card
8. If requested by the Credit Cardholder, Maybank can provide a copy of the Sales Draft in accordance with the provisions of Visa/ Mastercard®/JCB and will charge an administration fee to the Maybank Credit Cardholder, the amount of which will be notified from time to time by
9. Bill payments should be made before the Due Date to avoid the imposition of late administration Payments must mention the Credit Card number as stated on the Billing Notice or as stated on the Credit Card and can be made in one of the following ways:

• 1. Payment by cash through deposit at all Maybank
  2. Payment by bilyet Giro/Check is made 3 (three) Business Days before the due
  3. Payment by LLG transfer is addressed to Maybank Card Center, Gedung Sentral Senayan 3, Asia Afrika No.8, Jakarta 10270.
  4. Debit Maybank account or other banks based on debit authorization from Maybank Credit Cardh
  5. Debit account from the Maybank Account of the Maybank Credit Cardholder which will be carried out automatically at the due date in the amount of the total Credit Card Debiting the amount of the minimum payment due based on the minimum payment amount stated on the billing statement must be with a written statement from the Maybank Credit Cardholder.
  6. Payment via Maybank ATM if the Maybank Credit Cardholder has a Maybank ATM Card or Credit Card
  7. Payment via Maybank Premium Call (Phone Banking) if the Maybank Credit Cardholder has a Maybank ATM Card or Credit Card Account. Phone Banking PIN can be obtained through Maybank
  8. Payment through Maybank Internet Banking if the Maybank Credit Cardholder has a savings account/current account at Maybank.
  9. Payment can be made through ATMs of other banks that have cooperated with Maybank no later than 3 (three) Business Days before the due date.
  10. Payment through other media or banking facilities as will be informed by Maybank from time to time.
• Payments can also be made according to other methods set forth on the Notice of
• Recording of Bill Payment repayments made using checks / current accounts of Maybank / other banks or using other bank media will be carried out / recorded by Maybank if the funds have been effectively received by
• All costs related to repayment will be calculated as a deduction from the bill payment. If there is a rejection of the Maybank check/check draft/other bank, the Maybank Major Credit Cardholder will be charged an administration fee in accordance with the provisions as stated in the Invoice
• Maybank Major Credit Cardholder agrees that Maybank has the right to use the services of other parties to collect in a manner deemed good by Maybank so that the Maybank Major Credit Cardholder can pay off all obligations arising from the Credit Card if the credit quality of the Maybank Major Credit Cardholder is included in the Bad Debt
• Maybank will calculate the overpayment made by the Maybank Credit Cardholder with the following month's Credit Card usage or Refund of overpayment will only be made by Maybank if the Main Maybank Credit Cardholder submits an application.
• If the Maybank Credit Cardholder does not make payment obligations, then the Maybank Credit Cardholder gives the right and authorization to Maybank to:
  1. block and/or cancel and/or freeze the Credit Card temporarily or permanently;
  2. debiting accounts or set-off / set-off of debts or disbursing collateral for existing credit facilities with Maybank by debiting all collateral and / or deposits of Maybank Credit Cardholders and / or guarantors (if any) both stored in savings accounts and / or current accounts and / or deposit accounts at Maybank both existing and future to pay off or pay all obligations of Maybank Credit Cardholders;
  3. call the Maybank Credit Cardholder and/or guarantor (if any) through mass media;
  4. collecting through third party services, if the credit quality is considered bad;
  5. file for bankruptcy against Maybank Credit Cardholder and/or guarantor (if any);
  6. states that the Maybank Credit Cardholder is in default or neglects to carry out obligations arising from other agreements made with Maybank;
  7. take other actions that Maybank deems appropriate and
 
IX.           Minimum Payment, Interest and Other Charges
1. The amount of the minimum payment on the Outstanding Balance that can be made can be seen in the Billing Notice.
2. Maybank will not charge interest if the Maybank Credit Cardholder pays in full the entire Outstanding Balance as stated in the Billing Notice and Maybank receives the payment no later than the Due
3. If the Maybank Credit Cardholder does not pay the entire Outstanding Balance on the Due Date, then interest and penalties will be added to the next
4. Interest on credit card transactions will be charged to Maybank Credit Cardholder if:
   1. bill payment is received by Maybank after the Due Date; or
   2. Cash Advance is made; or
   3. bill payment is not received by Maybank; or
   4. payment of the bill is not full or less than the Outstanding
5. Interest is billed monthly based on the daily Outstanding Balance, which interest is calculated from the date the transaction is booked by Maybank until the total payment of all Outstanding Balances is made by the Maybank Major Credit Cardholder. The amount of interest can be seen in the Billing Notice.
6. Maybank Credit Cardholder will be charged a late fee, the amount of which can be seen in the Billing Late fees will be charged to Maybank Credit Cardholder if:
   1. pay the bill past the Due Date; or
   2. pay less than the minimum payment; or
   3. did not make the
7. Major Maybank Credit Cardholder will be charged a fee, the amount of which can be seen in the Billing Notice in the event that the Maybank Credit Cardholder make transactions beyond the predetermined Credit Card
8. Other fees related to Credit Card transactions can be seen in the Billing
9. If due to a provision of the law Maybank must pay fees in connection with the Credit Card including collection costs carried out by other parties as a proxy for Maybank, the costs incurred will be charged to the Maybank Credit Cardh
10. If Maybank changes the minimum payment amount, the amount of interest and other fees, it will be notified from time to time to the Maybank Credit Cardholder or at the latest 30 (thirty) Business Days before the changes take effect or immediately based on regulatory
11. In accordance with applicable banking regulations, delays in payment of Maybank Credit Cardholder obligations to Maybank will affect Maybank's reporting of Credit Cardholder credit quality/collectability. The credit quality/collectability status of Maybank Credit Cardholder must be reported from time to time by Maybank to Bank The credit quality/collectability status as stipulated in Bank Indonesia regulations and the consequences of each credit quality/collectability status are as follows:
    1. Seamless, payments are made on time and there are no
    2. Under Special Attention, there are arrears of principal and/or interest payments on Credit Card bills up to 90 (ninety) calendar In this case, Maybank will exercise its rights arising from these Terms and Conditions including sending warning letters and collecting, among others, through any communication media and/or officers appointed by Maybank.
    3. Substandard, there are arrears of principal and/or interest payments on Credit Card bills that exceed 90 (ninety) calendar days up to 120 (one hundred and twenty) calendar In this case, Maybank will exercise its rights arising from these Terms and Conditions including sending warning letters and collecting, among others, through any communication media and/or officers appointed by Maybank.
    4. Doubtful, there are arrears of principal and/or interest payments on credit card bills that have exceeded 120 (one hundred twenty) calendar days up to 180 (one hundred eighty) calendar days. In this case, Maybank will exercise its rights arising from these Terms and Conditions including sending warning letters and collecting, among others, through any communication media and/or officers appointed by
    5. Bad Debt, there are arrears of principal and/or interest payments on Credit Card bills that have exceeded 180 (one hundred and eighty) calendar days. In this case, Maybank will exercise its rights arising from these Terms and Conditions including collecting in any way deemed good by Maybank, among others through officers appointed by Maybank and/or third parties in collaboration with
12. The priority order of payments made by Maybank Credit Cardholder is as follows:
    1. repayment of Credit Card administration fees and
    2. 60% repayment of the transaction
    3. interest repayment of 40%.
 
X.            Authorization
1. For every transaction using a Credit Card, authorization is required before it is accepted by the Merchant. Maybank has the right to refuse authorization for any transaction without reason or prior notice and Maybank is not responsible to Maybank Credit Cardholder or other parties for any consequences arising in connection with such refusal.
2. When Maybank approves the authorization, Maybank considers the transaction to have taken place and therefore will reduce the amount of Credit Card Limit available on the Credit Card by the amount that has been
3. If the Merchant issues a bill related to the purchase transaction, then after the bill is received by Maybank, Maybank will charge the amount stated on the bill to the Credit
 
XI.           Credit Card Blocking and/or Cancellation
1. Maybank Credit Card holder understand that Maybank as the creditor has the right and authority to block and/or cancel, either temporarily or
2. In the event of blocking and/or canceling the Credit Card, Maybank has the right to declare that the entire Outstanding Balance of the Maybank Credit Cardholder becomes due and collectible immediately and must be paid immediately and in
   1. Credit Card blocking and/or cancellation occurs if one or more of the following events occur:
   2. Maybank is of the opinion that the Maybank Credit Cardholder and / or guarantor (if any) violates the provisions in the Credit Card Usage Document and any extension / amendment
   3. / renewal and other provisions that have existed or will exist in the future including if there is a Cross Default;
   4. Maybank Credit Cardholder name is listed in Bank Indonesia Blacklist and/or Indonesian Credit Card Association (AKKI) Blacklist;
   5. Maybank Credit Cardholder and/or guarantor (if any) is negligent or violates a provision of the credit agreement and/or other agreements made with Maybank;
   6. Maybank Credit Cardholder do not pay the outstanding balance or pay less than the minimum payment;
   7. The Credit Cardholder and/or guarantor (if any) is involved in a civil or criminal case;
   8. The assets of the Maybank Credit Cardholder and/or guarantor (if any) are confiscated;
   9. Maybank Credit Cardholder and/or guarantor (if any) dies, is under guardianship/becomes incapable of law or is bankrupted/dissolved/liquidated or has its business license
   10. The financial condition of the Maybank Credit Cardholder and/or guarantor (if any), its bona fides and solvency according to Maybank is backward in such a way that it affects the ability of the Maybank Credit Cardholder and/or guarantor (if any) to fulfill its obligations under the Credit Card Usage
   11. Documents, statements, information provided by the Maybank Credit Cardholder and/or guarantor (if any) to Maybank, in Maybank's consideration turns out to be untrue/incomplete or the Maybank Credit Cardholder does not provide information required by Maybank correctly and completely;
   12. A request from the Maybank Major Credit Cardholder/their attorney or an order from an authorized agency in accordance with applicable legal provisions;
   13.  
   14. Maybank cannot contact the Maybank Credit Cardholder and/or guarantor (if any);
   15. Maybank is of the opinion that the Maybank Credit Cardholder made an adverse transaction; Maybank exercised its right to declare Cross Default;
   16. Maybank Credit Cardholder terminates the use of Credit Card;
   17. Based on the credit quality report of Maybank Credit Cardholder, there is a decline in quality at other banks as per applicable banking
3. Maybank is entitled:
   1. Unconditionally cancel at any time the Credit Card Limit that has not been withdrawn/used by the Maybank Credit Cardholder with notification to the Maybank Credit Cardholder immediately after the cancellation takes effect; or
   2. Automatically cancel the credit card Limit that has not been withdrawn/used by the Maybank Credit Cardholder if the condition/quality of assets decreases to substandard, doubtful or loss with notification to the Maybank Credit Cardholder immediately after the cancellation takes effect.
 
XII.         Objection to Certain Bills and Procedures for Complaints
1. If the Maybank Credit Cardholder objects/disagrees to the billing as stated in the Billing Notice and/or wants to submit a complaint/complaint related to Credit Card services or transactions, the Maybank Credit Cardholder must submit the objection or complaint in writing and submit supporting documents, namely a copy of the Billing Notice, a copy of the ID card (KTP/Passport), Sales Draft (if any) and a copy of the Credit Card within 30 calendar days from the Billing Date to
2. Notice of objection or complaint can be made by contacting Maybank Customer Care at 1500611 or +6221 78869811 (access from overseas) or email to customercare@maybank.co.id or Maybank Card Center PO Box 2863 Jakarta 10001.
3. Maybank will process and follow up the objection or complaint of Maybank Credit Cardholder within 30 (thirty) Working Days since the supporting documents are declared complete by Maybank, provided that Maybank still has the right to extend the estimated or estimated period of complaint settlement by referring to the complexity of the problem and the investigation process to the relevant
4. Objections or complaints received by Maybank after the period as referred to in article 1, will not be processed further by Maybank, so that all losses mentioned in the objection or complaint will be fully the responsibility of the Maybank Credit Cardholder.
5. Unless otherwise stated by Maybank, as long as the objection or complaint is being processed, Maybank Major Credit Cardholder are obliged to pay their obligations/bills
6. If the Maybank Credit Cardholder feels that he/she is no longer able to pay or settle his/her Credit Card bill, the Maybank Credit Cardholder must contact Maybank by informing the reason in writing with supporting documents/evidence. If Maybank agrees, then Maybank may consider credit
 
XIII.       Damaged, Lost Credit Card or Misuse of Credit Card
1. If the Credit Card is damaged or cannot be used according to its function, the Maybank Credit Cardholder immediately notifies Maybank as soon as
2. If the Credit Card is lost and/or misused, the Maybank Credit Cardholder must notify Maybank immediately and followed by completing the original Credit Card Loss Report Letter issued by the Police (authorized party) and documents required by Maybank, which documents will be notified from time to time.
3. Although the loss of the Credit Card has been notified to Maybank in advance, the Maybank Credit Cardholder is still responsible for unauthorized transactions arising from the loss or theft or misuse of the Credit Card that occurs until the original Credit Card Loss Report Letter is received and acknowledged by the authorized official at Maybank.
4. If in Maybank's judgment it is indicated that there is an irregularity in the event of damage/loss of the Credit Card or misuse of the Credit Card or in the event that the Maybank Credit Cardholder is in a state of non-payment of bills from the Due Date or if there are other reasons, which reasons do not need to be conveyed to the Maybank Credit Cardholder, then Maybank may refuse to issue a new/replacement Credit
5. If in the future the lost Credit Card is found, then for security or to avoid further misuse the Credit Card must be returned to Maybank in a condition cut into 2 parts by hitting the chip or magnetic stripe part of the Credit
 
XIV.        Confidentiality and Information to Other Parties
1. The Maybank Credit Cardholder hereby gives approval to Maybank to exchange information about the data or identity of the Maybank Credit Cardholder with other parties including all other Credit Card issuers and/or the Indonesian Credit Card Association (AKKI) in accordance with applicable
2. Maybank Credit Cardholder are required to maintain the confidentiality of CVV information/number (found on the back of the Credit Card), PIN and OTP of the Credit Card and not inform other parties (including the Bank) through any
3. Maybank Credit Cardholder releases Maybank from all claims arising from the provision of information as referred to in article 2.
 
XV.          Power and Authority
1. The Major Maybank Credit Cardholder grants power and authority with the right of substitution and cannot be canceled to Maybank as the creditor so that Maybank can carry out the rights and obligations arising from the Credit Card Usage Document. This authorization includes to provide information or data of Maybank Credit Cardholder to other parties for the purposes of marketing Maybank products, marketing the usefulness/benefits of Credit Cards, cross selling purposes and other commercial purposes if the Main Maybank Credit Cardholder has given written
2. If in the exercise of rights and obligations Maybank is required to make a separate Power of Attorney or if there is a change in statutory provisions or the enactment of a new statutory provision that requires Maybank to obtain a separate special power of attorney from the Major Maybank Credit Cardholder, the Major Maybank Credit Cardholder is hereby obliged to sign and provide the power of attorney at the first request from
3. As long as the Maybank Credit Cardholder still has obligations to Maybank, all powers granted by the Maybank Credit Cardholder, including all powers granted in the Credit Card Usage Document cannot be revoked/cancelled without prior written approval from Maybank and will not expire for any reason, including the causes regulated in articles 1813, 1814 and 1816 of the Civil
 
XVI.        Notice
1. Every notification, including Bill Notification as referred to in article VIII.2 will be delivered to the address of the Major Maybank Credit Cardholder recorded in Maybank's data.
2. Major Maybank Credit Card holder must immediately notify Maybank if there is a change in billing address or residence address or company address where the Maybank Credit Cardholder
3. The Major Maybank Credit Cardholder agrees that written notices including Billing Notices submitted by Maybank can be in the form of computer printout documents and/or documents in other electronic forms and the Major Maybank Credit Cardholder agrees that such notices are valid and binding notices / letters and can be used as valid evidence both inside and outside the
4. If the Maybank Credit Cardholder intends to ask questions, object or find out information related to the Credit Card, they can contact the address or telephone number or email as stated on the Billing Notice or telephone number or email as stated on the back page of the Credit
5. Maybank is not responsible for any delay in receiving the Notice of Charges caused by the negligence of the Maybank Credit Cardh
6. If the Bill Notice is late or not received by the Maybank Credit Cardholder, the Maybank Credit Cardholder must report it to Maybank.
 
XVII.      Renewal, Termination of Credit Card Use and Credit Card Replacement
1. The validity period of the Credit Card can be seen on the Credit Card or notification that will be submitted by Maybank from time to time.
2. Unless otherwise stated by Maybank, the Credit Card can be automatically renewed at the expiration of the Credit Card validity
3. If Maybank agrees to extend the validity period of the Credit Card, then Maybank will issue a new Credit Card with fees that are the responsibility of the Major Credit Card Maybankh
4. If Maybank agrees, based on the application from the Major Credit Card Maybank Holder, Maybank may issue a replacement Credit Card with fees that are the responsibility of the Major Maybank Credit Cardh
5. Maybank will approve the termination of the use of the Credit Card if all obligations or Maybank Credit Cardholder have paid off all outstanding
6. If Maybank intends to terminate its relationship/terminate providing Credit Card facilities to the Maybank Credit Cardholder, then the Maybank Credit Cardholder is obliged to fulfill any outstanding obligations at the time of termination of the If the Maybank Credit Cardholder has not settled the obligation to Maybank, Maybank is authorized by the Maybank Credit Cardholder to debit the Credit Card collateral provided (if any) and/or debit a sum of money from the Maybank Credit Cardholder savings/deposits/other accounts at Maybank.
7. Maybank is not responsible in the event of failure to issue a new Credit Card as referred to in article 3 and article XVII.4.
 
XVIII.     Dispute Resolution and Legal Domicile
1. This Credit Card Usage Document is subject to the laws of the Republic of
2. In the event of a dispute related to this Credit Card Usage Document, the Parties may conduct deliberations to resolve the dispute or agree to resolve it first through the Banking Mediation mechanism as regulated by Bank Indonesia provisions.
3. If the mechanism as referred to in Article XVIII.2 above cannot resolve the dispute, the Parties agree to choose a legal and permanent seat at the Registrar's Office of the Central Jakarta District Court without prejudice to Maybank's right to file a lawsuit / claim through other district courts within the territory of the Republic of Indonesia.
 
XIX.        Maybank Credit Cardholder Credit Life Insurance for Credit Card Liability Repayment
1. If the Maybank Credit Cardholder agrees, the Maybank Primary Credit Cardholder can become a Credit Card life insurance customer for the repayment of obligations on the Credit
2. Life insurance as referred to in article 1 is not a Maybank product but an insurance company product chosen by the Maybank Credit Cardholder.
3. If the credit life insurance payment uses a Credit Card, the Major Credit Cardholder agrees that all costs related to the Credit Card life insurance premium are charged to the Major Credit
4. Matters that become objects of risk borne by life insurance companies are listed in the credit life insurance policy with the beneficiary or recipient of the sum insured is
5. The money obtained from the insurance company will be used to pay off part or all of the Maybank Credit Cardholder bills/liabilities.
6. If Maybank does not receive the sum insured or the sum insured received by Maybank from the insurance company is not sufficient to settle the entire bill of the Maybank Credit Cardholder, then the Maybank Credit Cardholder and/or heirs and/or parties who continue the obligations of the Main Maybank Credit Cardholder are still responsible for the outstanding bills/obligations of the Maybank Credit Cardh
7. Maybank Credit Cardholder releases Maybank from all actions of the insurance company and fully understands that credit life insurance is not a Maybank Maybank Credit Cardholder also release Maybank from all responsibilities for insurance claims.
 
XX.          Recognition and Proof of Debt
1. Maybank Credit Cardholder hereby (immediately, when there is an annual fee obligation and when the Credit Card is used) acknowledges that he/she really and legally owes Maybank along with interest and interest penalties and fees and other amounts that must be paid by Maybank Credit Cardholder to Maybank based on these Terms and
2. Maybank Credit Cardholder agree that the amount payable under these Terms and Conditions will be proven from documents in the form of books, records and administration held and maintained by Maybank regarding or in connection with annual fees and/or Credit Card
 
XXI.      Statement
1. The Credit Cardholder promises to carry out all obligations and comply with all these Terms and Conditions in good
2. The Bank has given sufficient time to Maybank Credit Cardholder to understand the Terms and Conditions and all other explanations related to these Terms and Conditions. Maybank Credit Cardholder hereby declare that they have understood all the provisions stipulated in the Terms and
3. Maybank Credit Cardholder have understood/know the benefits, costs and risks that will be borne or accepted by Maybank Credit Cardholder in connection with the implementation of these Terms and Maybank Credit Cardholder have also understood the characteristics of these Terms and Conditions.
4. The Maybank Credit Cardholder declares that the Maybank Credit Cardholder really needs a Credit Card product and is not under coercion from any party during the application process until the acceptance of the Credit Card
5. The Maybank Credit Card Holder has submitted guarantees and documents related to these Terms and Conditions, and has obtained permits from relevant parties that require the Credit Card Holder to obtain these permits to make these Terms and Conditions and/or make and sign documents required by Maybank.
6. The Credit Cardholder declares and undertakes to implement the terms and conditions in accordance with applicable regulations, including without limitation regulations relating to the prevention and eradication of criminal acts of money laundering and terrorist financing applicable in Indonesia. The Maybank Credit Cardholder declares that Maybank has the right to take action deemed necessary by Maybank if the Maybank Credit Cardholder is identified as having committed acts of money laundering and/or terrorist financing.
 
XXII.      Miscellaneous
1. Maybank Credit Cardholder Supplement automatically bind themselves to these Terms and
2. By notifying the Maybank Major Credit Cardholder, Maybank at its sole discretion has the right to transfer all and/or part of the Outstanding Balance of the Credit Card, including transferring part or all of its rights and/or obligations to any
3. Maybank Credit Cardholder cannot transfer all and/or part of the Outstanding Balance of the Credit Card including transferring part or all of their rights and/or obligations to any party without written approval from
4. Maybank Credit Cardholder declare that they will not use the Credit Card for transactions that are prohibited by applicable legal regulations.
5. All transaction evidence or records available at Maybank are valid evidence and bind the Credit Cardholder unless proven otherwise by the Maybank Credit Cardh
6. Maybank Credit Cardholder agrees to enforce/consider all recordings/copies/photocopies/micro-film documents made by Maybank as valid evidence that has the same legal force as the
7. If there is a dispute between Maybank Credit Cardholder and Merchants, Maybank Credit Cardholder cannot refuse to perform their obligations first as stated in the Billing
8. Maybank Credit Card Holder must comply with any and all laws and regulations regarding foreign exchange transaction supervision and applicable taxation relating to the use of Credit Cards. In this case, the Major Maybank Credit Cardholder agrees to provide compensation for any consequences of the error and/or negligence of the Maybank Credit Cardholder to comply with these laws and
9. The Maybank Credit Cardholder hereby declares that he/she is willing to provide Maybank with information, documentation and other records relating to the use of the Credit Card as required by Maybank from time to time.
10. Maybank Credit Cardholder hereby declares that he/she is willing to cooperate with Maybank in resolving a legal process.
11. Maybank Credit Cardholder agree and understand that Maybank has the right and authority to request compensation from Maybank Credit Cardholder and/or report Maybank Credit Cardholder at the first opportunity to law enforcement officials if in Maybank's consideration, Maybank Credit Cardholder make efforts that are categorized as actions, including cyber-attacks (whether the attempt fails or succeeds).
12. In order to improve the security of Credit Card transactions and minimize misuse, Maybank Credit Cardholder give approval to Maybank to document transactions using Credit Documentation conducted by Maybank includes but is not limited to taking photos, recordings and making minutes. If necessary, the Maybank Credit Cardholder agrees and authorizes the Bank to store this documentation. The Maybank Credit Cardholder agrees to use/show the results of the documentation to other parties reasonably for the purpose of proving and/or securing the Maybank Credit Cardholder transactions.
13. By making transactions using a Credit Card, Maybank Credit Cardholder agree and submit themselves to be bound by all terms and conditions stated in the Terms and Maybank Credit Cardholder will comply with applicable laws and regulations including regulations of the Financial Services Authority.
14. Failure, delay, or postponement of Maybank to exercise its rights arising from the Credit Card Usage Document or failure, delay or postponement of Maybank to request the Maybank Credit Cardholder to fulfill the provisions stated in the Credit Card Usage Document, will not be considered as a waiver or release of rights, authority or demands by Maybank to later demand the fulfillment of the provisions in the Credit Card Usage
15. Any termination of the terms and conditions stated in the Credit Card Usage Document overrides the provisions of Article 1266 of the Civil Code.