REVIEW JUJUR SETELAH 1 TAHUN PAKAI KARTU KREDIT BRI TOKOPEDIA CARD, NYESEL ATAU ENGGA !!!

Summary

In this comprehensive review, the user shares their honest experiences with the BRI Tokopedia Credit Card after using it for one year. Highlighting key features such as a generous credit limit increase, 0% installment options, and cashback on purchases at Tokopedia, the video also covers important aspects like annual fees, cash advances, and the ability to use the card widely across online and offline stores. Whether you're a regular Tokopedia shopper or looking for a versatile credit card with flexible payment plans, this review provides an insightful look into the benefits and drawbacks of the card.

Takeaways

• 😀 The initial credit limit of the BRI Tokopedia card was 32 million IDR, which increased to 50 million IDR after a year of use.
• 😀 Tokopedia card offers a 0% installment plan for purchases above 500,000 IDR at Tokopedia, with no admin or service fees.
• 😀 The card allows for a 0% installment option for up to 24 months on purchases made at stores like Erafone.
• 😀 The first year of the card has no annual fee, but the second year requires a payment unless the cardholder makes at least three transactions per month.
• 😀 There are additional fees such as a 5,000 IDR e-statement fee and a 10,000 IDR stamp duty if the total bill exceeds 5 million IDR.
• 😀 The card provides the option to take out a cash loan from the credit limit, which can be repaid in installments over up to 36 months.
• 😀 Cashback offers are available for Tokopedia transactions, with certain vouchers and promotions accessible only when using the Tokopedia card.
• 😀 The Tokopedia credit card can be used for online transactions on various platforms like Shopee, Lazada, and Blibli, as well as offline stores that support BRI EDC machines.
• 😀 The card allows for cash withdrawals from any BRI ATM, with a low admin fee of 3% or a minimum of 60,000 IDR.
• 😀 The review highlights the full experience of using the Tokopedia card for a year, with a focus on practical benefits such as the 0% installment plan and flexible cash loan options.

Q & A

What was the initial credit limit for the BRI Tokopedia Credit Card?

The initial credit limit was 32 million IDR.

Has the credit limit of the BRI Tokopedia Credit Card increased over time?

Yes, the credit limit was increased automatically from 32 million IDR to 50 million IDR without a request from the cardholder.

What benefits does the BRI Tokopedia Credit Card offer for installment plans on Tokopedia?

The card offers 0% interest installment plans on purchases above 500,000 IDR at Tokopedia, with installment options up to 12 months, without any additional fees or interest charges.

Can you use the BRI Tokopedia Credit Card for longer installment periods beyond 12 months?

Yes, the card also offers 0% installment plans for up to 24 months on certain purchases, such as those made at Erafone.

Are there any annual fees for the BRI Tokopedia Credit Card?

The first year is free of charge. Starting the second year, the annual fee applies, but it can be waived if the cardholder makes at least three transactions per month.

What are the additional fees associated with the BRI Tokopedia Credit Card?

The card has a 5,000 IDR monthly e-statement fee and a 10,000 IDR stamp duty fee if the monthly bill exceeds 5 million IDR.

Is there a feature to withdraw cash using the BRI Tokopedia Credit Card?

Yes, the card allows cash withdrawals from any BRI ATM with a 3% fee or a minimum fee of 60,000 IDR. The amount withdrawn can be repaid in installments.

What cashback or discount offers are available with the BRI Tokopedia Credit Card?

The card provides access to exclusive vouchers and discounts when used as a payment method on Tokopedia. These offers are often available at the start, middle, or end of the month.

Can the BRI Tokopedia Credit Card be used for purchases on other e-commerce platforms besides Tokopedia?

Yes, the card is accepted on various e-commerce platforms such as Shopee, Lazada, Blibli, and even in offline stores that have BRI EDC machines.

What happens if the cardholder does not repay the full amount of a cash advance?

If the cardholder does not repay the full amount of a cash advance in the next billing cycle, interest will be charged on the remaining balance.