What is Jenius Credit Card?

A fully digitalized credit card. Apply, activate, and manage your card digitally from the Jenius app.

What makes Jenius Credit Card different?

– Full online application and activation.
– Manage limits as you need.
– Block/unblock card directly from the app.
– Easily convert transactions to installments.
– Automatically pay monthly bills.
– Instantly get a virtual card after activation.
– Free annual fee for the first year.
– Easily redeem your points for your selected rewards.
– Use it as a source of funds for Jenius QR transactions at domestic merchants.
– Apply for an s-Card as an additional credit card.

Who can have a Jenius Credit Card?

• Jenius users with active Flexi Cash.
• Jenius users who don’t have Flexi Cash yet, and a new Jenius user.

Who can apply for a Jenius Credit Card?

All Jenius users, including new users.

What are the advantages of applying for a Jenius Credit Card?

– Digital application without the hassle of filling out a printed form.
– Simply upload income documents if needed.
– No requirement ofhaving another bank credit card.

What are the requirements for applying for a Jenius Credit Card?

– Have an active Jenius account.
– At least 21 years old.
– Minimum income of IDR 3,000,000.
– Meet other requirements according to Jenius credit policies and applicable regulations.

How do I apply for a Jenius Credit Card?

1. On the bottom navigation bar, select Credit.
2. Tap Let’s Check Creditbility & Apply!
3. Fill in your personal information, then tap Next.
4. Review and agree to the data analysis and verification statement, then tap Next.
5. Enter your Jenius password, then tap Submit.
6. Your application has been submitted. You can tap View Progress to track the application process.

After applying for a Jenius Credit Card, how long does the verification process take?

Application verification takes up to 2 working days (maximum). The process can take longer if you haven’t completed the income document.

Why was my Jenius Credit Card application rejected?

– You have not met the bank’s internal requirements.
– You have a monthly income of around IDR 3,000,000 – IDR 10,000,000 which according to Bank Indonesia regulations is only allowed to have credit cards from 2 different banks (maximum).

After my Jenius Credit Card application has been apprioved, what should I do?

Immediately activate it to use your Jenius Credit Card.

After my Jenius Credit Card application has been approved, why do I have to activate it?

Because you need to choose the design and name on the card and confirm the mailing address for physical card delivery.

Who can activate a Jenius Credit Card?

– Jenius users whose applications have passed verification
– Jenius users who already have Flexi Cash

My application has passed verification, how do I activate my Jenius Credit Card?

1. On the bottom navigation bar, select Cards.
2. Once you’re on the Cards page, choose the Credit Card menu.
3. Tap Activate Now.
4. Choose your card design, enter the name to appear on the card, confirm your mailing address, then select Submit.
5. Review the terms & conditions and fee information, check the box to agree, then tap Submit.
6. Enter your Jenius password, then tap Submit.
7. Continue by selecting Explore Now.
8. Review the information provided, then tap Next.
9. On the final screen, tap Finish.
10. Complete the activation process by tapping Choose Double Yay Category.
11. Select the appropriate category, then tap Submit.

I am a selected Jenius user, how do I activate my Jenius Credit Card?

1. On the bottom navigation bar, select Cards.
2. Once you’re on the Cards page, choose the Credit Card menu.
3. Tap Activate Now.
4. Choose your card design, enter the name to appear on the card, confirm your mailing address, then select Submit.
5. Review the terms & conditions and fee information, check the box to agree, then tap Submit.
6. Enter your Jenius password, then tap Submit.
7. Continue by selecting Explore Now.
8. Review the information provided, then tap Next.
9. On the final screen, tap Finish.
10. Complete the activation process by tapping Choose Double Yay Category.
11. Select the appropriate category, then tap Submit

What are the benefits if I become a selected Jenius user who gets a Jenius Credit Card offer?

You can activate it right away without submitting an application.

Why didn’t I get a Jenius Credit Card offer?

The Jenius Credit Card offer is valid only for selected Jenius users with active Flexi Cash.\

After activating the Jenius Credit Card, what should I do?

Once you finish activation, you’ll automatically get a virtual card that you can use for online transactions while waiting for the physical card to arrive at your address.

What is a d-Card?

d-Card is the main credit card that you will automatically receive after activation.

When will I get my d-Card?

After the activation is complete, the virtual d-Card is automatically available in the Jenius application and can immediately be used for online transactions while waiting for the physical card sent to your address. When it arrives, immediately activate the physical card so that the d-Card can be used for offline transactions as well.

Find out how to activate a physical card here.

How long does the d-Card delivery process take?

• 3 working days for Jabodetabek area.
• 7 working days for outside Jabodetabek area.

Delivery time is estimated from the card creation request.

What is an S-Card?

s-Card is an supplementary credit card that can be given to people you trust.

s-Cards can only be ordered and managed by d-Card holders.

Who can I give the s-Card to?

You can give s-Cards to trusted people such as spouse, wife, parents, family, siblings, or friends.

For information, s-Cards can be given to Jenius users and to those who have not used Jenius app.

How many s-Cards can I request?

You can request for up to 5 s-Cards.

What should I prepare if I will give an s-Card to a Jenius user?

$Cashtag s-Card recipient.

What should I prepare if I want to give an s-Card to someone who hasn’t used Jenius yet?

Recipient’s ID card to be photographed.

How do I request an s-Card?

You can request an s-Card from the Jenius app. Get to the Cards menu, choose Card Center, and tap Credit Card.

Find out how to request an s-Card here.

What should I do after requesting an s-Card?

Make sure you inform the recipient and ask him/her to give permission to create an s-Card on his/her behalf with the following guidelines:

• Open the Jenius app.
• Tap the bell icon at the top right of the screen.
• Choose the Request menu.
• Choose Grant Permission.

What happens when the s-Card recipient has not given permission yet?

The s-Card you requested could not be processed.

For information, permission from the s-Card recipient is a mandatory requirement that must be met by the d-Card holder in order to continue the s-Card application.

Where will the s-Card be sent?

The s-Card will be sent to the mailing address of the d-Card owner.

How long does the s-Card delivery process take?

• 3 working days for Jabodetabek area.
• 7 working days for outside Jabodetabek area.

Delivery time is estimated from the card creation request.

Does the s-Card that has arrived at the mailing address need to be activated?

Yes. Just like the d-Card, you also need to activate the physical s-Card card. Find out how to activate the s-Card here.

Who can manage the s-Card and how?

s-Card can only be ordered and managed by the d-Card holder.

s-Card management includes limit setting can be done from the Jenius app. Get to the Cards menu, choose Card Center, and tap Credit Card.

Find out how to manage your s-Card here.

Can I change the s-Card holder identity? If possible, how?

The s-Card holder identity cannot be changed.

Request a new s-Card if you want to give it to another person.

If there are 5 active s-Card on your account and you want to request for one more, then one of the active s-Cards must be closed first. After that, a new s-Card can be requested.

How can I close my s-Card?

You can contact SMBCI Care by landline call at 1500 365.

Why is there no CVV code and expiry date information on my Jenius Credit Card?

For security reasons, you can only see the CVV code and the validity period of the d-Card and s-Card in the Jenius app.

How do I view the CVV code and expiration date of my Jenius Credit Card?

– On the bottom navigation bar, select Cards.
– On the Cards page, choose the Credit Card menu.
– Tap your Jenius Credit Card.
– Enter your Jenius password, then tap Submit.
– Check your card’s expiration date and CVV code.
– Tap to copy the card number.

Why do I need to activate my Jenius Credit Card’s physical card?

To use your physical Jenius Credit Card for offline transactions, including cash advance.

How do I activate my physical Jenius Credit Card?

– On the bottom navigation bar, select Cards.
– On the Cards page, choose the Credit Card menu.
– Tap the three dots on your Jenius Credit Card.
– Select Activate Physical Card.
– Scan the QR code on the mailer using your camera.
– Create a PIN, confirm it, then tap Next.
– Enter your Jenius password, then tap Submit.
– Your Jenius Credit Card’s physical card has been successfully activated!

What is the term and condition to activate the physical Jenius Credit Card?

To activate the physical card, you need to scan the code printed on the Jenius Credit Card mailer.

How do I activate my physical Jenius Credit Card if I’ve lost the mailer?

If you’ve lost the mailer, follow these steps to activate your physical card:
– Request physical card activation by contacting SMBCI Care at 1500 365.
– Scan the QR code that will be sent to your email.

What do I need to prepare when requesting physical card activation through SMBCI Care 1500 365?

You just need to provide your Jenius Credit Card number.

After calling SMBCI Care, when will I receive the QR code by email?

The QR code for physical card activation will be sent to the email registered to your Jenius account on the same day.

How do I activate my physical Jenius Credit Card after receiving the QR code by email?

– From the bottom navigation bar, tap Cards.
– On the Cards page, select the Credit Card menu.
– Tap the three dots on your Jenius Credit Card.
– Select Activate Physical Card.
– Point your camera at the QR code in the email.
– Create a PIN, confirm the PIN, then tap Next.
– Enter your Jenius password, then tap Submit.
– Your physical Jenius Credit Card has been successfully activated!

Can I use my physical Jenius Credit Card right away if I activate it using the QR code from the email?

Yes. Once activated using the QR code, your physical Jenius Credit Card will be active and ready to use for offline transactions, including cash withdrawals.

I’ve received the QR code by email, but it won’t scan. What should I do?

Contact 1500 365 for assistance with activating your physical Jenius Credit Card through Jenius Help.

For security reasons, activation through Jenius Help requires a data verification process that takes up to 1 business day (1×24 hours).

Where can I use my Jenius Credit Card for transactions?

You can use Jenius Credit Card for online and offline transactions.

Can s-Card recipient use the card for online transactions?

Yes. The d-Card holder can provide information on the card number, CVV code, and card validity period so that the s-Card recipient can use it for online transactions.

Keep in mind, the d-Card holder is fully responsible for all transaction activities carried out by the s-Card recipient.

Where can I view transaction history with Jenius Credit Card?

On the Transactions menu in your d-Card and s-Card details. Transaction history is provided apart from In & Out.

How do I check my Jenius Credit Card transaction history?

– On the bottom navigation bar, tap Cards.
– On the Cards page, select Credit Card.
– Tap your Jenius Credit Card.
– Select the Transactions menu.
– Browse your transaction history and tap on a specific transaction to view the details.

Will the transaction history with Jenius Credit Card be recorded in my Jenius application forever?

Transaction history with Jenius Credit Card will be stored for the last 6 months.

Are Jenius Credit Card transactions recorded in the Transactions and Moneytory menus?

No. Jenius Credit Card transactions are not recorded in the Transactions or Moneytory menus.

What are Quasi-Cash Transactions on Jenius Credit Cards?

Quasi-cash transactions are credit card transactions using your Jenius Credit Card that are similar to cash withdrawals, but aren’t direct cash withdrawals. These transactions typically involve the purchase of foreign currency or items that can be easily converted into cash, such as casino chips, cryptocurrency, money orders, lottery tickets, or traveler’s checks. These transactions are identified by their Merchant Category Code (MCC).

Please note that quasi-cash transactions may incur fees and interest charges equivalent to ATM cash withdrawal fees, and they do not earn Yay Points.

How do I make an online payment using my Jenius Debit or Credit Card at an online merchant?

You can make online payments with your Jenius Debit or Credit Card at merchants that support 3D Secure. Here’s how:

1. On the merchant’s payment page, select the Credit/Debit Card payment method.
2. Enter your Jenius card number, expiration date, and CVV/CVC code.
3. After that, you’ll be redirected to the authentication page in the Jenius app.
4. Log in to Jenius app or tap the payment confirmation notification.
5. Tap the bell icon at the top right.
6. Tap Requests.
7. Tap Confirm.
8. Once successful, you’ll be redirected back to the merchant’s page, and your balance or credit limit will be deducted immediately.

Can the Jenius Credit Card be used as a source of QRIS funds?

A. From the front page
1. Make sure Jenius Credit Card is activated and the remaining limit is sufficient.
2. On the front page of your Jenius app, choose Scan QRIS.
3. Log in with biomteric or enter your PIN.
4. Point your camera to the QR code.
5. Enter the payment amount or check the amount that automatically appears.
6. Choose Pay Next Month and make sure Jenius Credit Card is selected as payment method.
7. Make sure all the information is correct, then choose Next.
If merchants turn on the tip option, you can choose the tip amount before choosing Next.
8. Pay attention to the confirmation page, then choose Pay Now.
If the amount exceeds the transaction authentication, please input your Jenius password.
9. Jenius QR transaction using Jenius Credit Card is successful!

B. From the Home page
1. Make sure Jenius Credit Card is activated and the remaining limit is sufficient.
2. On the Home page of your Jenius app, choose Scan QRIS.
3. Point your camera to the QR code.
4. Enter the payment amount or check the amount that automatically appears.
5. Choose Pay Next Month and make sure Jenius Credit Card is selected as payment method.
6. Make sure all the information is correct, then choose Next.
If merchants turn on the tip option, you can choose the tip amount before choosing Next.
7. Pay attention to the confirmation page, then choose Pay Now.
If the amount exceeds the transaction authentication, please input your Jenius password.
8. Jenius QR transaction using Jenius Credit Card is successful!

C. From the Menu page
1. Make sure Jenius Credit Card is activated and the remaining limit is sufficient.
2. On the bottom navigation in your Jenius app, choose Menu.
3. Scroll down to the Pay & Top Up section, then choose Scan QRIS.
4. Point your camera to the QR code.
5. Enter the payment amount or check the amount that automatically appears.
6. Choose Pay Next Month and make sure Jenius Credit Card is selected as payment method.
7. Make sure all the information is correct, then choose Next.
If merchants turn on the tip option, you can choose the tip amount before choosing Next.
8. Pay attention to the confirmation page, then choose Pay Now.
If the amount exceeds the transaction authentication, please input your Jenius password.
9. Jenius QR transaction using Jenius Credit Card is successful!

How do I make an online payment using my Jenius Debit Card or Credit Card at an online merchant?

You can make online payments with your Jenius Debit Card or Credit Card at merchants that support 3DSecure. Here’s how:

1. On the merchant’s payment page, select the Jenius Credit/Debit Card payment method.
2. Enter your Jenius card number, expiration date, and CVV/CVC code.
3. After that, you’ll be redirected to the authentication page
4. Continue by confirming the payment on your Jenius app. Read how to on the next question.

How do I confirm an online transaction on the Jenius app?

You can confirm your online transactions on the Jenius app by using these two methods:

A. From the front page of Jenius app
1. On the front page of your Jenius app, tap the bell icon on the top right corner of the screen.
2. Find your payment confirmation request. Make sure your transaction is correct and your card balance/card limit is sufficient, then choose Confirm.
3. Once successful, the card balance or credit card limit will be deducted for the payment. You can go back to the merchant’s page to view your payment status.

B. From Urgent Items
1. On the Home page of your Jenius app, scroll down to the Urgent Items section.
2. Find your payment confirmation request. Make sure your transaction is correct and your card balance/card limit is sufficient, then choose Confirm.
3. Once successful, the card balance or credit card limit will be deducted for the payment. You can go back to the merchant’s page to view your payment status.

Make sure you’ve activated notification from Jenius through your device settings so you can confirm your online transactions easier from push notification.

What are the benefits of confirming payments in Jenius app?

Confirming your payment through the app is safer and faster. You just need to log in to the Jenius app with your PIN or biometrics, then confirm your payment right from the app without having to bother with OTP codes.

Other than that, payment confirmations from the Jenius app can be done anywhere as long as you’re connected to the internet.

Can I still use OTP code to confirm my payment when I’m making online transactions with Jenius Debit Card or Jenius Credit Card?

Starting from 9 February 2026, online transaction payment confirmations for both Jenius Debit Card and Jenius Credit Card will be done through the Jenius app without OTP code.

However, if you’re an s-Card holder who doesn’t have a Jenius account, online transaction payment confirmations will be done using OTP code that will be sent to your mobile number.

Do I need to confirm from the app each time I make an online transaction with Jenius Debit Card or Jenius Credit Card?

Online transactions at merchants that support 3D Secure require confirmation in Jenius app.

For online merchants that support card binding (saving your card details for future transactions), the payment confirmation is only required once during the initial transaction or card registration process. This process will deduct IDR 1,000 from your card balance or according to the merchant’s terms. Once the confirmation is successful, future transactions can be processed without the need for another confirmation.

Do I need to enable any special feature to confirm payments in Jenius app?

No. You’ll be able to confirm payments from the Jenius app each time you make online transctions with Jenius Debit Card or Jenius Credit Card right away.

Just make sure you’ve allowed Jenius to send notifications from your device settings so you can confirm your payments easier.

Why don’t I need to input Jenius password when confirming my payment?

Jenius password is only required if your transaction exceeds the transaction authentication limit that you can set from Settings. View how to change your transaction authentication limit here.

Can I confirm online card transaction payments when I’m abroad?

Yes. With payment confirmation through Jenius app, you can confirm your online transaction payments anywhere as long as you’re connected to the internet.

What should I do if the payment confirmation time expires?

If the payment confirmation time expires, your transaction will be automatically canceled. You can make a new transaction and be sure to complete the confirmation before the time expires.

What should I do if I don’t receive an authentication notification in the Jenius app?

Make sure you have enabled notifications from Jenius in your device settings and make sure your device is connected to the internet. If you’re still experiencing issues, please contact SMBCI Care at 1500 365 or via e-mail at [email protected].

Why is my online transaction confirmation from Jenius Debit Card or Jenius Credit Card from the Jenius app failed?

– Your card balance or your credit card limit is insufficient to make the payment.
– For credit card transactions, you haven’t turned on the “Online Transactions” option from your credit card details on the Cards page.
– The payment exceeds your card’s single purchase limit. You can adjust this from your debit/credit card details on the Cards page.
– Your device is not connected to the internet.
– You’ve passed the confirmation deadline (5 minutes).

Make sure the transaction amount doesn’t exceed the maximum debit card transaction limit. You can view the maximum limit details here.

If you’re still experiencing issues, please contact SMBCI Care at 1500 365 or via e-mail at [email protected].

What happes if my card balance or my credit card limit is insufficient to make the transaction?

If my card balance or my debit card limit is insufficient, the transaction will be failed and you’ll be charged insufficient fund fee of IDR5,000.

To avoid this, always make sure your card balance or debit card limit is sufficient before confirming the transaction.

Other than cash withdrawals, what transactions can I do with Foreign Currency?

– Transactions on EDC machines overseas.
– Online transactions in overseas e-commerce sites

Ensure you have linked Foreign Currency to your m-Card so transactions can be processed using the foreign currency you want.

Can Jenius Debit Card be used in all public transportation abroad?

Jenius Debit Card is equipped with VISA Contactless. You can make VISA Contactless payments at all merchants or transportation systems abroad that support VISA Contactless.

Can Jenius Debit Cards be linked to an e-wallet in China?

Yes. You can link m-Card with e-wallets in China, such as Alipay and WeChat Pay.

What should I do if my transaction with Jenius Debit Card fails?

If a transaction fails, please wait for 1×24 hours. If the balance has not been returned, please contact SMBCI Care at 1500 365 or visit the nearest Jenius booth with the following details:

1. transaction time
2. merchant name
3. transaction amount
4. transaction details from Transactions menu

How do I dispute an e-commerce transaction?

File a complaint to SMBCI Care at 1500 365 or visit the nearest Jenius booth with the following details:

1. transaction time
2. merchant name
3. transaction amount
4. transaction details from Transaksi menu
5. permanently block your Jenius Debit Card/Jenius Credit Card to avoid further transactions.

What is a credit limit?

Credit limit is a combined limit for Jenius Credit Card and Flexi Cash.

What is the term and condition for Credit limit?

• The selected limit must not be less than the minimum product limit, which is IDR 2,000,000 for credit cards and IDR 500,000 for Flexi Cash.
• The selected limit must not be less than the limit used for each product.
• Limit reallocation can only be done in multiples of IDR 500,000.
• Credit card limit should not exceed more than 3 times your monthly income (for customers with an estimated income between Rp. 3,000,000 – Rp. 10,000,000 per month).
• Flexi Cash limit cannot exceed more than IDR 200,000,000.
• Limit reallocation can only be done if Flexi Cash and credit cards are in Active status with “pass” payment performance, and in normal status (not in an overlimit state, not in a fraud investigation, not in a temporary limit increase status, etc.).
• Limit reallocation can only be done once in every 30 calendar days from the previous reallocation.
• Limit reallocation cannot be done within a period of 3 calendar days before the end of the month.

Which card is connected to the credit limit?

The card that is directly connected to the credit limit is the d-Card. In addition, the use of the s-Card for transactions will automatically reduce the credit limit.

What is a spending limit?

The spending limit is the limit for the s-Card.

Is there a minimum limit for spending limits?

No. You can set a spending limit according to your needs.

Is there a maximum limit for spending limits?

Yes. The maximum limit for spending is your Jenius Credit Card (d-Card) limit.

How does spending limit work?

The spending limit takes the portion of the Jenius Credit Card (d-Card) limit.

Transactions with s-Card is limited to the pre-set spending limit, which is automatically adjusted by the remaining d-Card limit.

Payment with s-Card will reduce the Jenius Credit Card (d-Card) limit.

Spending limit will reset (the limit you have pre-set) at the beginning of the month, but its usage still depends on the remaining d-Card limit.

What is the single purchase limit?

The single purchase limit is the limit you set for single purchase with d-Card or s-Card.

If a transaction occurs above the specified limit, the transaction cannot be processed.

Why can’t I change the cash advance limit at the ATM?

Unlike Jenius Debit Card, you cannot set a daily withdrawal limit at ATMs for Jenius Credit Card.

Yet, you can still use your Jenius Credit Card to withdraw cash at an ATM (if the transaction settings are activated) with a cash withdrawal credit limit of 30% of the limit you set for Jenius Credit Card.

Information on the Remaining Cash Advance Limit is available on the d-Card Details pages

What are the requirements to apply for Jenius Credit Card limit increase?

Call SMBCI Care at 1500 365 to apply for a limit increase and make sure you have prepared:
1. Supporting documents such as income documents, bank statements for the last 3 months, or Tax Return Report (SPT).
2. NPWP (if the requested limit is above IDR50,000,000).
3. Include the desired increase limit amount and the reason for the credit card limit increase.
4. Make sure your credit card status is active and not blocked.

What are the terms and conditions of Jenius Credit Card limit increase application?

Limit increases are divided into two types: permanent limit increases and temporary limit increases.

For temporary limit increases, the conditions are as follows:

1. Ensure that the credit card is active.
2. The credit card has been active for more than 6 months since the credit card application was approved.
3. At least one transaction has been made since the credit card application was approved.
4. At the time of application, there are no overdue payments or delinquent status on the account.
5. It has been more than 3 months since the last temporary limit increase.
6. The request must be made by the primary cardholder.
7. At the time of application, the credit card usage is not exceeding the limit (overlimit) and is not currently under a temporary credit limit increase.
8. The temporary limit increase is valid for 60 calendar days. You must settle any excess usage before the temporary limit increase expires. If not, an overlimit fee will be charged.

For permanent limit increases, the conditions are as follows:

1. Permanent limit increases can only be requested by Jenius Credit Card holders.
2. Submit supporting documents such as valid income documents, the last 3 months’ bank statements, or an SPT report.
3. Submit an NPWP if the requested limit exceeds IDR 50,000,000.
4. There are no overdue payments or delinquent status on the Jenius Credit Card at the time of application.
5. The account is not in an overlimit condition or currently receiving a temporary limit increase.
6. The request is not made within 12 months of the last permanent limit increase.
7. The limit increase will be processed within a maximum of 5 working days (excluding Saturdays, Sundays, and National Holidays).

How do I manage my Jenius Credit Card limit?

ou can allocate your Creditbility based on your needs when activating a credit product or after you’ve activated one or more credit products.

Allocating Creditbility during product activation:
– Go to Credit page.
– Select the product you want to activate.
– Fill in the required information.
– Set the desired limit for the credit product.
– Agree to the terms and conditions, then enter your password to confirm.
– For Flexi Cash, you’ll need to make your first withdrawal to activate the product.

Allocating Creditbility after activating multiple products:
– Go to Credit page.
– Select Creditbility Allocation.
– Set your preferred limit for each product.
– Tap Save and enter your password to confirm.

What is Split Pay?

A feature to convert past transactions into installments.

Where can I access the Split Pay feature on my Jenius Credit Card?

From the Credit Card menu in the Cards page, tap the Split Pay box in the Credit Card Information section.

Where can I find transactions with Jenius Credit Cards that I can convert into installments using Split Pay?

From the Transaction menu on your d-Card and s-Card details.

On the Transaction menu, view the transaction history, then find the Installment available marker to find out which transactions can be converted into installments using Split Pay.

What are the installment condition for Jenius Credit Card using Split Pay?

• Monthly installments will be billed via credit card monthly billing, according to the tenor chosen by the cardholder.
• For early repayment fee, customers will be charged an early payment fee of 3% of the remaining principal and will be billed in the billing statement.
• The monthly installments billed will be calculated into the minimum payment.
• If the customer is late for more than 3 (three) times the due date, the remaining installments will be due immediately and will be billed in full in the billing statement.
• Transactions that can be split to installment plan are only transactions with a minimum amount of IDR 500,000.
• The first installment billing date is 1 month after the date of converting the transaction into installments.
• If the installment collection date is at the end of the month (31st), then the following month will also be stated at the end of the month (31st, 30th, 29th, or 28th).
• The monthly installment interest is calculated on an effective interest basis (decreasing interest).

How many tenors are available if I convert the transaction with Jenius Credit Card into installments?

3 to 36 months.

How do I convert transaction made with Jenius Credit Card into installments using Split Pay?

‘1. On the bottom navigation, select Cards.
2. On the Cards page, select Credit Card menu.
3. Tap your Jenius Credit Card.
4. Select Transaction menu.
5. Find transaction that’s labeled as Installment Available, then tap the transaction you want to convert to installment.
6. Select Change to Installment.
7. On the preferred tenure section, tap the arrow, then select your installment tenure.
8. Review the available information, then tap Next.
9. Review the information on the confirmation page, then tap Next.
10. Read and agree to the Terms & Conditions, then tap Change to Installment.
11. On the confirmation page, check the approval box, then tap Submit.
12. Enter your Jenius password, then tap Submit.
13. You’ve successfully converted the transaction into installments.

How do I stop or pay off my Jenius Credit Card installment early?

– On the bottom navigation bar, tap Cards.
– On the Cards page, select Credit Card.
– Scroll to the Credit Card Information section, then tap More in the Split Pay box.
– Select the Split Pay menu.
– From the list, choose the installment you want to stop.
– On the installment detail page, tap Stop.
– Review the remaining installment amount, then tap Next.
– On the confirmation page, tap Submit.
– Enter your Jenius password, then tap Submit.
– Your installment has been successfully stopped.

Is there a fee for converting transaction into installments?

Effective 18 August 2025, a fee of IDR20,000 will be charged for each transaction converted into installments with 0% interest. If you convert a transaction into installments with an interest rate above 0% (e.g. 1,75%), no fee will be charged.

Is there an additional fee if I stop or pay off my Jenius Credit Card installment early?

Yes. For early repayment, a 3% early payment fee will be charged based on the remaining principal, and this fee will appear on your billing statement.

How do I check my Jenius Credit Card installment list?

From the Billing Information section:
– Tap Cards on the bottom navigation bar.
– On the Cards page, select Credit Card.
– Scroll to the Billing Information section and tap View.
– Select the Split Pay menu.

From the Credit Card Information section:
– Tap Cards on the bottom navigation bar.
– On the Cards page, select Credit Card.
– Scroll to the Credit Card Information section and tap More in the Split Pay box.

How is interest calculated for Split Pay?

The monthly installment interest is calculated using the effective interest method (declining balance).

When will the first installment be billed for my Jenius Credit Card that I Split Pay?

If you convert the transaction into installments with 0% interest, the first installment will be billed on the same date as the conversion date.

If you convert the transaction into installment with an interest rate above 0% (e.g. 1,75%), the first installment will be billed one month after conversion date.

If the installment billing date due on the end of the month (e.g. the 31st), it will also due at the end of the month in the following months (on the 31st, 30th, 29th, or 28th).

What are the installment condition for Jenius Credit Card using Split Pay?

– Monthly installments will be billed through credit card monthly billing statement, according to selected tenure.

– Monthly installments billed will be included in the minimum payment calculation.

– If there’s delinquency for more than 3 (three) due dates, the remaining installments will immediately become due and will be billed in full in the billing statement.

– Installments can only be created if your Available Installment Limit is sufficient.

– If your Available Installment Limit is not sufficient, there are several things you can do:

1. If you still have unused limit in Creditbility, you can reallocate the unused limit to Credit Card limit from the Credit Card page. During the process of converting the transaction into installments on the preview page when selecting a tenor, Jenius will help allocate the limit to the Credit Card limit in increments of IDR 100,000 to meet the required Available Installment Limit.

2. If your Creditbility limit has already been allocated to all credit products, you can reallocate the limit from other credit products (like Flexi Cash or Paylater) to the Credit Card.

3. If all your Creditbility limit has been allocated to credit products and fully used, you can request a limit increase through the call center. If your request is approved, you can then allocate the additional limit to your Credit Card.

4. If your limit increase request is denied, you can cancel an existing installment to free up space for a new one.

How can I see my Jenius Credit Card bill?

The billing recap (e-Statement) is automatically available in the Jenius app and sent to your e-mail on every billing date.

What is billing statement date?

The billing date is the date when the Jenius Credit Card monthly bill is printed and sent to the d-Card holder.

Billing statement is printed and sent between 20th ad 26th of each month.

How do I view my Jenius Credit Card bill from Jenius app?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, scroll to the Billing Information section, then tap View.
• On the Summary page, you can view the information in the Billing Details section or tap the monthly billing statement available in the Billing Information section.

What kind of information available on the Jenius Credit Card billing statement?

• The name of the d-Card holder.
• d-Card number.
• Credit performance which contains information on the status of bill payments.
• Billing information which contains the total and billing print date, due date, and minimum payment information.
• Summary of bills containing total bills and information on d-Card and s-Card bills, installments, interest & fees, and remaining previous bills (if any).
• Yay Points which contains information on the previous month’s points, points earned this month, adjusted points, and points exchanged.
• d-Card transaction history containing the cardholder’s name, credit limit, remaining credit, cash withdrawal limit, remaining cash withdrawal limit, as well as transaction history in chronological order.
• S-Card transaction history which contains the cardholder’s name and transaction history in chronological order.
• Installments containing a list of installments in chronological order with details of the start/end date, description, monthly installment nominal, and the amount of your installment.
• Terms & conditions containing Jenius Credit Card information that you must follow.

What is the billing due date?

The last date on which the d-Card holder must make a bill payment of at least the minimum payment stated on the billing statement.

How do I pay my Jenius Credit Card bill?

There are four ways to pay Jenius Credit Card bills.

• Pay manually from Jenius app.
• Pay automatically from Jenius app.
• Pay from SMBC Indonesia ATM.
• Pay by wire transfer from another bank.

How do I pay my Jenius Credit Card bill manually from the Jenius app?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, look for Billing Information, then tap View.
• Tap Pay Now.
• Input the payment amount, then tap Continue.
• Review the payment confirmation page, then tap Send.
• Enter the Jenius password, then tap Send.
• Jenius Credit Card bill has been paid successfully!

How do I pay my Jenius Credit Card bill manually from the Jenius app?

There are 2 ways to pay Jenius Credit Card bills manually:

1. From Cards Menu:
– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, look for Billing Information, then tap View.
– Tap Pay Now.
– Input the payment amount, then tap Continue.
– Review the payment confirmation page, then tap Send.
– Input your Jenius password, then tap Send.

2. From Pay Bills/VA:
– On Home, choose Pay & Top Up.
– Choose Pay Bills/VA.
– Choose Credit Card.
– Choose credit card that you want to pay.
– Input credit card number.
– Input payment amount, then choose Next.
– Review the confirmation page, then choose Pay Now.

What is auto pay?

Jenius Credit Card bill payment options which enable automatically on the due date according to the payment options (full payment or minimum payment) that have been set.

In order to be debited successfully on the due date, make sure you provide money in the Active Balance according to the payment amount no later than 17.00 WIB.

How do I activate the auto-pay option for my Jenius Credit Card bill?

• Tap Cards on the bottom navigation.
• On the Card Center, tap the Credit Card menu, select the Billing Information, then tap View.
• Scroll to Automatic Payments, then tap Activate Now.
• Select the type of payment you want to make, then tap Continue.
• Recheck to the payment confirmation page, then tap Send.
• Enter the Jenius password, then tap Send.
• Automatic payment activated successfully!

What happens if my Active Balance is insufficient to be debited on the due date?

Jenius will try it again for the next five days or until the minimum payment has been met even if the option you choose is full payment.

How do I change an ongoing automatic payment setting?

– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, select the Billing Information, then tap View.
– Scroll to Automatic Payments, then tap Activate Now.
– Select the type of payment you want to make, then tap Continue.
– Recheck to the payment confirmation page, then tap Send.
– Input your Jenius password, then tap Send.
– Automatic payment activated successfully!

How do I cancel an ongoing automatic payment setting?

– Tap Cards on the bottom navigation.
– On the Cards page, tap the Credit Card menu, look for Billing Information, then tap View.
– Scroll to the Auto Repayment, then tap Edit.
– Choose Cancel Auto Repayment.
– Review the cancellation confirmation page, then tap Cancel Auto Repayment.
– Input your Jenius password, then tap Submit.
– Auto repayment has been Cancelled.

How do I pay my Jenius Credit Card bill from a SMBC Indonesia ATM?

– Insert the debit card into the SMBC Indonesia ATM.
– Enter the PIN.
– Select the Payment menu, then select Jenius Credit Card.
– Enter the 16 digit d-Card number.
– Input the payment amount.
– Enter the PIN to process the transaction.

How do I pay my Jenius Credit Card bill from another bank?

– Use an ATM machine or mobile banking.
– Select the Interbank Transfer menu.
– Enter SMBC Indonesia bank code (213), then enter the 16 digit d-Card number.
– Input the payment amount.
– Enter the PIN to process the transaction.

What are the terms and conditions for Jenius Credit Card payments via other banks?

– Starting from April 19, 2024, payments of Jenius Credit Card through other banks will incur a service fee of IDR 50,000.
– The service fee is applied to every payment, whether it’s a minimum payment, partial payment, or full payment.
– The service fee payment will be recorded in the Transaction History of the Jenius application and in the billing statement.
– The service fee is not applicable if the payment of Jenius Credit Card is made through the Jenius app.

Are there any special conditions when paying Jenius Credit Card bills?

To avoid late fees and worsening collectibility status, d-Card holders are required to pay at least the minimum payment stated on the monthly e-Statement.

If you have active installments, the installments that are due in that month will be billed in full.

If you have active installments, the installments that are due in that month will be billed in full.

Payment of Jenius Credit Card bills via the Jenius application does not incur any services fees.

Is there a way for me to pay for someone else’s Jenius Credit Card bill?

You can now pay others’ Jenius Credit Card bill from Pay Bills/VA with these following steps:

– On Home, choose Pay & Top Up.
– Choose Pay Bills/VA.
– Choose Credit Card.
– Choose credit card that you want to pay.
– Input credit card number.
– Input payment amount, then choose Next.
– Review the confirmation page, then choose Pay Now.

How much interest and fees apply to Jenius Credit Cards?

Jenius Credit Card interest follows the regulations from Bank Indonesia.

Information regarding Jenius Credit Card interest and fees can be found here.

What is collectibility on my billing statement?

The collectibility on the billing report shows your credit performance which is divided into five statuses.

• Pass
  Jenius Credit Card billing are paid with an amount that meets or exceeds the minimum billing amount on time or before the due date.
• Special Mention
  Jenius Credit Card bill has not been paid between 1-90 calendar days after the due date has passed.
• Substandard
  Jenius Credit Card billing remains unpaid between 91-120 calendar days after the due date.
• Doubtful
  Jenius Credit Card bill remains unpaid between 121-180 calendar days after the due date or the bank at any time finds an indication that the main card holder does not have good faith to make a Jenius Credit Card payment.
• Loss
  Jenius Credit Card bill remains unpaid for more than 180 calendar days after the due date or the bank at any time finds an indication that the cardholder does not have good faith to make a Jenius Credit Card payment.

What is the Notification Service Fee?

The Notification Service Fee is a charge for the delivery of your credit card transactions notification:
• Successful transactions.
• Cash withdrawal transactions at ATMs.

How much the Notification Service Fee, and when will the fee be billed to me?

The fee charged is IDR10,000 per month and will be billed on the credit card statement print date.

Can I disable notifications/emails?

No. Notifications are automated for transparency and delivering comprehensive information.

Can I request the removal of the Notification Service Fee?

No.

If I don’t make any credit card transactions for a period of 1 month, will I still be charged the Notification Service Fee?

No, the Notification Service Fee only applies when you make new transactions such as retail transactions, e-commerce, recurring transactions, contactless, and cash withdrawals. Specifically, there is no Notification Service Fee charged for converting transactions into installments because they are not considered new transactions.

If I have a limit of IDR10,000,000 and it has been fully utilized for transactions, will the Notification Service Fee still be charged?

Yes, the fee of IDR10,000 will still be charged along with an over-limit fee of IDR200,000.

Can I close my Jenius credit card?

Yes. Just like the simple activation process, you can also cancel your Jenius Credit Card hassle-free.

What requirements do I have to meet to close my Jenius Credit Card?

You can close your Jenius Credit Card if there is no remaining bill. Or, if your bill has been paid

How do I close my Jenius Credit Card?

You can close your Jenius Credit Card by contacting SMBCI Care 1500 365.

Why can’t I close my Jenius Credit Card?

Most likely because there are still bill payments (including unbilled Split Pay) that you have not settled. Jenius Credit Card closing can only be done if all payments have been settled.

Can I close my Jenius Credit Card if there is an unpaid bill?

Not. Payment settlement is a mandatory requirement for closing a Jenius Credit Card.

If I don’t pay my Split Pay bill, will my Jenius Credit Card be closed automatically?

No. The current Split Pay bill will continue to be billed according to the amount and tenor you choose. You can only close your Jenius Credit Card if all your bills are paid off.

Is there a penalty that must be paid if I close my Jenius Credit Card?

No.

How long does it take to close a Jenius Credit Card?

The Jenius Credit Card closing process takes a maximum of 1 x 24 hours of office day since you call SMBCI Care 1500 365.

Is there a notification if my Jenius Credit Card closing process has been completed?

Yes. You will receive an e-mail notification containing an official letter explaining the closing status of your Jenius Credit Card.

Can I request for another Jenius Credit Card after closing one?

No. But you can apply for a new Jenius Credit Card.

I have closed my Jenius Credit Card, why do I still get a billing statement?

If there is a billing error, you can contact SMBCI Care 1500 365 for assistance.

What happens to my Jenius Credit Card if I close my Jenius account?

All Jenius Credit Cards (including s-Cards) will be closed automatically after you close your Jenius account.

What are Yay Points?

Yay points is a point you get after making transaction with Jenius Credit Card.

How do I earn Yay Points?

You can earn Yay Points from both offline and online transactions.
– For domestic transactions, you’ll get 1 Yay Point for every Rp10,000 spent (applies in multiples).
– International transactions and transactions in selected categories earn Double Yay (2x Yay Points or equivalent to IDR 5,000).
– Yay Points earned are calculated based on the transaction amount and rounded down.
– Yay Points will be received after the transaction is billed.

What are the benefits of Yay Points?

– Easily select and change your Double Yay categories.
– Effortlessly track your Yay Points history—earned and redeemed—through the Jenius app.
– Redeem points for rewards directly in the app with real-time processing.
– Save your reward IDs to make future redemptions easier.

How long is Yay Points validity period?

Yay Points is valid for 24 months from the date it’s earned and expire on the 1st day of the following month.

Where can I access and manage Yay Points?

There are two ways to manage your Yay Points in the Jenius app.

A. From Home page
1. On the Home page, select Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. To view your points history, select View your points transactions.
4. Tap Points In to see the points you’ve earned, or Points Out to see the points you’ve redeemed.

B. From the Cards page
1. From the bottom navigation, select Cards.
2. On the Cards page, select Credit Card.
3. Scroll to the Credit Card Information section, then select the Yay Points box.
4. To view your points history, select View your points transactions.
5. Tap Points In to see the points you’ve earned, or Points Out to see the points you’ve redeemed.

Why can’t I access Yay Points?

Yay Points can’t be accessed if your card is currently blocked. For assistance and more information, please contact SMBCI Care at 1500 365.

What are Double Yay terms and conditions?

– Applicable to offline and online purchase transactions in foreign currencies and/or transactions in the selected category.
– Double Yay will be credited after the transaction is billed. Make sure not to change your Double Yay category before the transaction is billed so the transaction continues to earn Double Yay based on the selected category.
– Double Yay category can be changed 1x per month after the statement date.
– Category grouping follows Merchant Category Code (MCC) VISA. Bank reserves the right to change it at any time.
– If no category is selected, all domestic transactions will earn regular Yay Points.

What category options can I choose for Double Yay?

– Beauty & Fashion
– Food & Beverages
– Groceries & Gasoline
– Travel & Leisure

How do I choose the Double Yay category?

1. From the bottom navigation, select Cards.
2. On the Cards page, select Credit Card.
3. Scroll to the Credit Card Information section, then select See more on the Yay Points card.
4. Tap Select category here.
5. Choose the category you want, then select Submit.
6. You’ve successfully selected a Double Yay category.

How do I change my Double Yay category?

1. On the bottom navigation of the screen, select Cards.
2. In the Cards page, choose Credit Card.
3. Scroll to the Credit Card Information section, then select See More in the Yay Points box.
4. Tap the Double Yay box.
5. Select Change Category.
6. Choose the appropriate category, then select Save.
7. Enter your Jenius password, then select Save.
8. You have successfully changed your Double Yay category.
9. Make sure the transactions you want to earn Double Yay Points for are already billed before changing the category.

How does Jenius group the Double Yay categories?

Double Yay categories follow the Merchant Category Code (MCC) set by VISA that you can find here.

Why don’t online transactions on Indonesian marketplaces earn Double Yay?

Currently, online transactions on Indonesian marketplaces do not earn Double Yay because their transaction mechanisms don’t meet the bank’s internal criteria. You’ll be informed once new mechanisms are in place.

How can I tell if my points are Double Yay?

Double Yay points are automatically awarded if your transaction meets the criteria. Currently, Double Yay is granted by awarding the normal point amount twice. You can check your point history by:

1. Tap Cards on the bottom navigation.
2. Go to Credit Card.
3. Scroll to Credit Card Info and tap More Details in the Yay Points box.
4. Select View your point transactions.

What happens if I haven’t selected the Double Yay category?

You’ll still earn Yay Points under normal terms.

What rewards are available?

There are four rewards options available for your Yay Points redemption.

e-Wallet
– GoPay.
– OVO Cash.

Travel
– Traveloka Points.
– KrisFlyer Miles.
– GarudaMiles
– AirAsia points.
– LinkMiles.

Eat & Shop
– MAPCLUB Points.
– MyEraspace Points.

What are the terms for redeeming Yay Points for e-Wallet rewards?

– You must have a minimum of 2,500 Yay Points.
– For redemptions above 10,000 points to GoPay or OVO Cash, the process must be done in multiple separate transactions.
– Redeeming Yay Points to GoPay balance is free of admin fees.
– Redeeming Yay Points to OVO Cash will incur an Rp1,500 admin fee charged by OVO.
– Redemptions to saved GoPay and OVO accounts can be made based on your available points.
– You can save more than one GoPay and OVO account if needed.

How to redeem Yay Points with GoPay balance?

1. On the Home page, select Your Rewards.
2. After enter Rewards page, select Yay Points box.
3. Scroll to the E-Wallet section in the Catalog, then tap GoPay Balance.
4. Enter the mobile number connected to the Gojek account, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with GoPay balance.

How to redeem Yay Points with OVO Cash balance?

1. On the Home page, select Your Rewards.
2. After enter Rewards page, select Yay Points box.
3. Scroll to the E-Wallet section in the Catalog, then tap OVO Cash .
4. Enter the mobile number connected to the OVO account, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with OVO Cash.

What are the terms for redeeming Yay Points for Eat & Shop rewards?

– You must have a minimum of 2,500 Yay Points.
– For redemptions above 10,000 points, the process must be done in multiple separate transactions.
– No admin fee will be charged for redemptions.
– You can redeem Yay Points to saved accounts based on your available points.

How do I redeem Yay Points for MAPCLUB Points?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Eat & Shop section in the Catalog, then tap MAPCLUB Points.
4. Enter the mobile number connected to the MAPCLUB Points, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with MAPCLUB Points.

How do I redeem Yay Points for MyEraspace Points?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Eat & Shop section in the Catalog, then tap MyEraspace Points.
4. Enter the mobile number connected to the MyEraspace Points, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with MyEraspace Points.

What are the terms for redeeming Yay Points for Travel rewards?

– After your first redemption, your GarudaMiles, KrisFlyer Miles, LinkMiles, and AirAsia points accounts will be automatically saved in the Jenius app for the next 12 months.
– Yay Points can only be redeemed to one saved GarudaMiles and one saved KrisFlyer Miles account.
– You can only change your saved GarudaMiles or KrisFlyer Miles account once per month.
– You can save more than one Traveloka account if needed.
– There are no fees for redeeming Yay Points to GarudaMiles, KrisFlyer Miles, LinkMiles, AirAsia points, or Traveloka Points.
– Redemptions to saved accounts can be made according to your available points.
– For Traveloka Points, redemptions above 10,000 Yay Points must be made in separate transactions.
– Redemptions to GarudaMiles and KrisFlyer Miles can only be made once per month.

Minimum Yay Points required for Travel rewards redemption:
1. 2,500 Yay Points – Traveloka Points
2. 40,000 Yay Points – KrisFlyer Miles
3. 25,000 Yay Points – GarudaMiles
4. 15,000 Yay Points – LinkMiles
5. 10,000 Yay Points – AirAsia Points

How do I redeem Yay Points for Traveloka Points?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Travel section in the Catalog, then tap Traveloka.
4. Enter the mobile number connected to Traveloka, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with Traveloka Points.

How do I redeem Yay Points for KrisFlyer Miles?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Travel section in the Catalog, then tap KrisFlyer.
4. Enter your KrisFlyer Membership ID, first name, and last name, then tap Next.
5. Select the number of points you want to redeem, then tap Next.
6. Review the redemption confirmation page, then tap Submit.
7. Enter your Jenius password, then tap Submit.
8. Your Yay Points have been successfully redeemed for KrisFlyer Miles.

What is a KrisFlyer ID?

Your KrisFlyer ID is your registered identity with KrisFlyer. It is the same as your KrisFlyer Membership Number.

Why do I need to provide a first and last name when redeeming KrisFlyer Miles?

A full name (first and last) is required for verification by KrisFlyer to ensure the redemption is processed accurately.

Can I redeem Yay Points for someone else?

Yes. You can redeem Yay Points for someone else by entering the recipient’s membership number along with their correct first and last name.

Make sure the first name, last name, and membership number are correct and registered in the partner’s app.

If there is any discrepancy in the membership number, first name, or last name, the points redemption will be invalid and can’t be processed.

My Yay Points redemption was successful, but why haven’t the miles been added yet?

Redemptions are processed in real time, but if additional data verification is needed, the process may be delayed.

– For redemptions to OVO Cash, GoPay, and Traveloka Points, data verification may take up to 5 business days.
– For redemptions to KrisFlyer Miles, data verification may take up to 15 business days.

How do I redeem Yay Points for GarudaMiles?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Travel section in the Catalog, then tap GarudaMiles.
4. Enter GarudaMiles number, then select Next.
5. Select the intended redemption amount. Activate the Save this account button, enter a name for saving the ID, then select Continue.
6. Review the Yay Points redemption confirmation page, then select Send.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with GarudaMiles.

What is a GarudaMiles number?

Your GarudaMiles number is your registered identity with GarudaMiles. It functions as your membership number.

Can I redeem Yay Points to more than one account?

Yes, you can. However, for the security of your Jenius account, redemptions to KrisFlyer and GarudaMiles can only be made to one account, which will be saved and can’t be changed for 365 days.

How do I redeem Yay Points for LinkMiles?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Travel section in the Catalog, then tap LinkMiles.
4. Enter the email address and name registered with your LinkMiles account, then tap Next.
5. Select the number of points you want to redeem, then tap Next.
6. Review the redemption confirmation page, then tap Submit.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with LinkMiles.

How do I redeem Yay Points for AirAsia points?

1. On the Home page, tap Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Scroll to the Travel section in the Catalog, then tap AirAsia MOVE.
4. Enter the number and name registered in AirAsia MOVE, then tap Next.
5. Select the number of points you want to redeem, then tap Next.
6. Review the redemption confirmation page, then tap Submit.
7. Input your Jenius password, then select Submit.
8. You have successfully redeemed your points with AirAsia MOVE.

How do I track the Yay Points I’ve earned?

– On the Home page, tap Your Rewards.
– Once you’re on the Rewards page, select the Yay Points card.
– Tap View your points transactions.
– Go to the Points In tab to see your point-earning history.
– Tap a transaction to view the details.

How do I track the Yay Points I’ve redeemed?

– On the Home page, tap Your Rewards.
– Once you’re on the Rewards page, select the Yay Points card.
– Tap View your points transactions.
– Go to the Points Out tab, then tap a transaction to view the details.

Why didn’t I earn Yay Points from my Jenius Credit Card transaction?

Here are some conditions that may cause Yay Points not to be credited in the Jenius app:

– Jenius Credit Card transactions at merchants or online platforms that are unsuccessful.
– Transactions that you cancel.
– Transactions categorized as fraud based on the bank’s internal criteria.
– Jenius Credit Card transactions on business payment and invoicing platforms.
– Quasi-cash transactions.
– Jenius QR transactions with Jenius Credit Card as source of funds through Jenius app.
– Jenius QR transactions with Jenius Credit Card as source of funds through other apps (effective from 9 February 2026).
– Cash withdrawals, interest, and service fees, as listed here.
– Monthly bill payments and government-related payments, including:
1. Perusahaan Listrik Negara (PLN),
2. Perusahaan Air Minum (PAM),
3. Online Pajak,
4. Customs (Bea Cukai),
5. Immigration fees,
6. BPJS payments,
7. Other government institutions paid via e-commerce platforms,
8. Overseas government institutions.

Why do my Yay Points need to be adjusted?

Jenius may adjust the number of Yay Points displayed in the app based on your transaction activity and your use of Yay Points.

In certain cases, this adjustment may result in a negative Yay Points balance. If this happens, any Yay Points earned from subsequent transactions will be automatically used first to offset the negative balance.

When will my Yay Points balance return to normal?

Your Yay Points balance will return to normal once you’ve earned enough points to cover the previous shortfall. Keep using your Jenius Credit Card to continue earning Yay Points.

How do I view the Yay Points validity period?

There are two ways to view the Yay Points validity period in the Jenius app.

A. From Home page
1. On the Home page, select Your Rewards.
2. On the Rewards page, select the Yay Points box.
3. Tap the info icon (i) next to your point amount.
4. Select Point validity.
5. You can view the point validity information on that page.

B. From the Cards page
1. From the bottom navigation, select Cards.
2. On the Cards page, select Credit Card.
3. Scroll to the Credit Card Information section, then select the Yay Points box.
4. Tap the info icon (i) next to your point amount.
5. Select Point validity.
6. You can view the point validity information on that page.

Can I only earn Yay Points from credit card transactions?

No. You can earn Yay Points through various methods besides credit card transactions. Make sure to update your app to the latest version to get the most up-to-date information.

Can Yay Points earned outside of credit card transactions be redeemed?

Yes. You can redeem Yay Points as usual, regardless of how you earned them.

What is a s-Card?

A supplementary card is an additional credit card that shares the same credit limit as your primary d-Card. You can create up to 5 s-Cards.

When can I start using my s-Card?

Once activated, your virtual s-Card is immediately available for online transactions. Your physical card will be delivered to your address shortly. Please activate the physical card as soon as you receive it. You can find the activation steps here.

What is the estimated delivery time for the s-Card?

You can expect to receive your s-Card within 3 business days for Jakarta and its surrounding areas, and within 7 business days for other regions.

Where can I find the CVV and expiration date for s-Card (Supplementary Credit Card)?

For security reasons, you can only view the CVV and expiration date of your s-Card (Supplementary Credit Card) through the Jenius app.

How to view CVV and expiration date of s-Card (Supplementary Credit Card)?

CVV can be viewed by both d-Card (Main Credit Card) and s-Card (Supplementary Credit Card) holders who have Jenius account:
1. Tap Cards on the bottom navigation.
2. In Cards page, select Credit Card.
3. Tap your s-Card.
4. Enter your Jenius password, then tap Submit.
5. View card expiration date and CVV code. Tap to copy card number.

*If the s-Card holder doesn’t have Jenius account, only d-Card holder can view the CVV.

As an s-Card (Supplementary Credit Card) holder and Jenius user, why can’t I see the CVV?

The s-Card (Supplementary Credit Card) can be viewed by s-Card holder only if the d-Card holder (Main Credit Card) has grantes access to online transactions.

Make sure the d-Card holder has enabled the Online Transactions access in the Cards page so that s-Card holder can view the CVV in the Jenius app.

Who is eligible to apply for a Supplementary Credit Card?

All existing Jenius users who already has an active d-Card (Main Credit Card).

What are the advantages of applying for s-Card (Supplementary Credit Card)?

If you apply for s-Card for another Jenius user, you just need to input their $Cashtag.

What are the requirements for applying for an s-Card (Supplementary Credit Card)?

To apply for an s-Card (Supplementary Credit Card), you must be at least 17 years old and meet all applicable credit requirements as determined by Jenius.

Who is eligible to receive an s-Card (Supplementary Credit Card)?

s-Card (Supplementary Credit Card) can be given to:
1. Other Jenius users
2. Non Jenius users
3. Yourself

How do I give an s-Card (Supplementary Credit Card) to non Jenius users?

As d-Card (Main Credit Card) holder, you can give s-Card to non Jenius users by following these steps:
1. On the bottom of navigation bar, tap Cards.
2. In he Card Center, select Credit Card menu.
3. Tap Create s-Card.
4. Select Non Jenius user.
5. Take KTP photo.
6.Complete the prospective s-Card holder data.
7. Review the analysis satement and data verification, tick mark to agree, then tap Continue.
8. Enter your Jenius password, then tap Submit.
9. s-Card aplication has been successfully submitted.

What are the advantages of sharing your credit limit with other Jenius users?

– Application is done simply by entering their Jenius $Cashtag
– s-Card (Supplementary Credit Card) holder can set up and manage their own s-Card through their Jenius app (Coming soon)

How do I share an s-Card (Supplementary Credit Card) to another Jenius user?

As a d-Card (Main Credit Card) holder:
1. Go to the Cards section in your app.
2. Once you’re in the Card Center, select the Credit Card menu.
3. Choose Create s-Card.
4. Select Other Jenius user.
5. Enter the $Cashtag of the intended recipient and specify your relationship, then choose Next.
6. Review the terms and conditions, check the box to agree, and choose Next.
7. Enter your Jenius password and choose Submit.
8. Your s-Card request has been submitted.
9. Choose OK and inform the s-Card (Supplementary Credit Card) holder to confirm the request in their notification menu.

How do I give an s-Card (Supplementary Credit Card) to myself?

As d-Card (Main Credit Card) holder, you can give s-Card to yourself by following these steps:
1. On the bottom of navigation bar, tap Cards.
2. Once inside the Card Center, select Credit Card menu.
3. Tap Create s-Card.
4. Select Myself.
5. Choose the card design, name on the card, set a spending limit, enter mailing address, then tap Continue.
6. Review the terms & conditions and free information, tick mark the box to aggree, then tap Activate Credit Card.
7. Enter your Jenius password, then tap Submit.
8. s-Card Activation for youself successful!

If I’m a Jenius user and receive a s-Card (Supplementary Credit Card), how do I confirm the s-Card I was given?

As a prospective s-Card (Supplementary Credit Card) holder with Jenius account, you can confirm by following these steps:

1. Tap notification bell icon on the top right corner of your Jenius dashboard.
2. On the notification page, select Confirm s-Card receipt.
3. Choose the card design, name on the card, confirm the mailing address, then tap Submit.
4. Enter your Jenius password, then tap Submit.
5. s-Card application has been successfully submited.

How long does it take to process a supplementary s-Card (Supplementary Credit Card) application?

The data verification process for the d-Card (Main Credit Card) holder and s-Card (Supplementary Credit Card) holders will be completed within 1 working day.

Why was my s-Card (Supplementary Credit Card) application rejected?

There could be several reasons for your s-Card (Supplementary Credit Card) application being rejected, such as the applicant not meeting our internal bank requirements or not being at least 17 years old.

What steps do I need to take to accept an s-Card that has been given to me?

As a potential supplementary s-Card holder:
– Tap the bell icon in the top right corner of your Jenius app dashboard.
– Select “Confirm” on the s-Card notification.
– Choose your card design, enter your name, confirm your mailing address, and click “Submit”.
– Enter your Jenius password and click “Submit”.
– Your s-Card application is now complete.

How can I add a supplementary s-Card for a non-Jenius user?

As the main cardholder:
– Go to the “Cards” section in your app.
– Select “Credit Card” and then “Add s-Card”.
– Choose “Non-Jenius user”.
– Take a photo of the applicant’s ID.
– Complete the personal information form and submit.
– Review the terms and conditions and submit your request.

How long does it take to process a supplementary s-Card (Supplementary Credit Card) application?

The data verification process for the d-Card (Main Credit Card) holder and s-Card (Supplementary Credit Card) holders will be completed within 1 working day.

Why was my s-Card (Supplementary Credit Card) application rejected?

There could be several reasons for your s-Card (Supplementary Credit Card) application being rejected, such as the applicant not meeting our internal bank requirements or not being at least 17 years old.

What should I do after my s-Card (Supplementary Credit Card) application is approved?

You need to activate your s-Card (Supplementary Credit Card) to use it for both online and offline transactions.

Why do I need to activate the supplementary s-Card (Supplementary Credit Card) after my application is approved?

For security reasons, you as the d-Card (Main Credit Card) holder need to confirm the design, the name on the card, and confirm the mailing address for the delivery of physical s-Card (Supplementary Credit Card). You also need to set the spending limit for every s-Card that you give.

Who can activate an s-Card (Supplementary Credit Card)?

s-Card (Supplementary Credit Card) can only be activated by the d-Card (Main Credit Card) holder.

My application has passed verification process, how do I activate the virtual s-Card (Supplementary Credit Card) if I give it to other Jenius users?

As d-Card (Main Credit Card) holder, you can activate the virtual s-Card (Supplementary Credit Card) by following these steps:
1. On the bottom navigation bar, tap Cards.
2. In the Cards page, select Credit Card menu.
3. Tap your s-Card.
4. Review the card design, name on the card, confirm the mailing address provided by the prospective s-Card holder, then tap Submit.
5. Set the spending limit for the s-Card, then tap Continue.
6. Review the terms & conditions and fee information, tick mark the box to aggree, then tap Activate Credit Card.
7. Enter your Jenius password, then tap Submit.

My application has passed verification process, how do I activate the virtual s-Card (Supplementary Credit Card) if I give it to non Jenius users?

As d-Card (Main Credit Card) holder, you can activate the virtual s-Card (Supplementary Credit Card) by following these steps:
1. On the bottom navigation bar, tap Cards.
2. In the Cards page, select Credit Card menu.
3. Tap your s-Card.
4. Review the card design, name on the card, confirm the mailing address provided by the prospective s-Card holder, then tap Submit.
5. Set the spending limit for the s-Card, then tap Continue.
6. Review the terms & conditions and fee information, tick mark the box to aggree, then tap Activate Credit Card.
7. Enter your Jenius password, then tap Submit.

What should I do after activating my s-Card (Supplementary Credit Card)?

Once activated, your virtual card is ready for online purchases. Your physical card will be delivered to your address shortly.

Why do I need to activate my physical s-Card (Supplementary Credit Card)?

Activating your physical s-Card (Supplementary Credit Card) allows you to use it for offline transactions, including cash withdrawals.

How do I activate my physical s-Card (Supplementary Credit Card) if give it to myself and/or non Jenius user?

Physical s-Card (Supplementary Credit Card) activation can only be done by d-Card (Main Credit Card) holder by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Tap the three dots next to your s-Card.
4. Choose Activate Physical Card.
5. Scan QR Code sent to your e-mail.
6. Create PIN, confirm PIN, then tap Continue.
7. Enter your Jenius password and tap Submit.
8. Your physical s-Card is now activated!

How do I activate my physical s-Card (Supplementary Credit Card) if I give it to other Jenius users?

Physical s-Card (Supplementary Credit Card) activation can be done by d-Card (Main Credit Card) holder and s-Card holder by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Tap the three dots next to your s-Card.
4. Select Activate Physical Card.
5. Scan QR Code sent to your e-mail.
6. Create PIN, confirm PIN, then tap Continue.
7. Enter your Jenius password and tap Submit.

*If the activation is done by s-Card holder, the d-Card holder needs to confirm the physical s-Card activation.

How do I confirm the physical s-Card (Supplementary Credit Card) activation?

As the d-Card (Main Credit Card) holder, you can confirm the physical s-Card (Supplementary Credit Card) activation by:
1. Tap notification bell icon on the top right corner of the dashboard in your Jenius app.
2. On the notification page, select Confirm physical s-Card activation.
3. Enter your Jenius password, then tap Submit.
4. Physical s-Card activation successful!

What are the requirements to activate a physical s-Card (Supplementary Credit Card)?

You need to scan the QR code on the s-Card (Supplementary Credit Card) mailer to activate the physical card.

What should I do if I lose the mailer for my physical s-Card (Supplementary Credit Card)?

If you’ve lost your mailer, you can activate your physical card by:
– The d-Card (Main Credit Card) holder can apply an s-Card (Supplementary Credit Card) activation request to SMBCI Care at 1500 365.
– Scan the QR code that will be sent to your e-mail.

How soon will I receive the QR code in my email after contacting SMBCI Care?

You will receive the QR code for activation in your registered Jenius email on the same day.

How do I activate my physical s-Card using the QR code I received via email?

1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Tap the three dots next to the s-Card you want to activate.
4. Select Activate Physical Card.
5. Scan the QR code sent to your e-mail.
6. Create a PIN, confirm it, and choose Next.
7. Enter your Jenius password and choose Submit.
8. Your physical s-Card is now activated!

Can I use my physical s-Card (Supplementary Credit Card) immediately after activation using the QR code from my e-mail?

Yes, you can use your physical s-Card (Supplementary Credit Card) immediately after activation using the QR code from your e-mail.

I’ve received the QR code in my e-mail, but the code can’t be read. What should I do?

For assistance in s-Card (Supplementary Credit Card) activation, you can contact SMBCI Care at 1500 365. For security reasons, activating your physical s-Card through SMBCI Care may take up to 24 business hours for data verification.

Where can I use my s-Card (Supplementary Credit Card)?

You can use your s-Card for both online and offline transactions.

Can I use my s-Card (Supplementary Credit Card) for international transactions?

Yes. As long as you turn on the international transaction option on your s-Card (Supplementary Credit Card) Transaction Settings, you can use your s-Card (Supplementary Credit Card) for both offline transactions abroad, including cash withdrawals, and online transactions with international merchants.

What are the benefits of using my s-Card (Supplementary Credit Card) for international transactions?

By using s-Card (Supplementary Credit Card) for international transactions, you can enjoy all payments at any Visa merchant worldwide and get Double Yay. Make sure you make the transaction in a foreign currency to get it, ok!

Will I receive a notification every time I use my s-Card (Supplementary Credit Card)?

Yes. The d-Card (Main Credit Card) holder and the s-Card (Supplementary Credit Card) holder will receive transaction notifications real-time in the Jenius app and via e-mail for every transaction using s-Card (Supplementary Credit Card).

How can I view my s-Card (Supplementary Credit Card) transaction history?

s-Card (Supplementary Credit Card) transaction history can be viewed by d-Card (Main Credit Card) holder and s-Card holders who have Jenius account by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Tap on your s-Card.
4. Choose the Transactions menu.
5. View your transaction history list and tap a transaction to see the details.

Will my s-Card (Supplementary Credit Card) transaction history be stored in the Jenius app forever?

No, the transaction history is only stored for the past 6 months.

Will my s-Card (Supplementary Credit Card) transactions be recorded in Transactions menu and Moneytory?

No, s-Card (Supplementary Credit Card) transactions are not recorded in Transactions menu or Moneytory.

What is the spending limit?

The spending limit is the amount you can allocate from your d-Card (Main Credit Card) to each s-Card (Supplementary Credit Card). This spending limit is shared with your d-Card (Main Credit Card) limit.

What are the rules for spending limits?

– The spending limit is a part of the overall limit of your d-Card (Main Credit Card) and doesn’t have an independent limit.
– The spending limit is shared, meaning the available limit for your spending limit will be affected by the usage of your d-Card (Main Credit Card).
– The set limit cannot be lower than the minimum product limit, which is IDR2,000,000 for credit card.
– The set limit cannot be lower than the current usage of the card.
– The spending limit cannot exceed the limit of your d-Card (Main Credit Card).

Can I change the spending limit?

Yes, as the d-Card (Main Credit Card) holder, you can reallocate the credit limit as needed through the Jenius app. Here’s how:

1. On the bottom navigation, select Cards.
2. Once in the Card Center, select the Credit Card menu.
3. Tap on your s-Card (Supplementary Credit Card) that you want to change the limit of.
4. Set a spending limit, then choose Save.
5. Input your Jenius password, then choose Submit.
6. You’ve successfully change your spending limit.

What is the per-transaction spending limit?

The per-transaction spending limit is the maximum amount you can spend in a single transaction with your s-Card (Supplementary Credit Card).

Why can’t I change the ATM withdrawal limit for my s-Card (Supplementary Credit Card)?

Unlike the Jenius Debit Card, you cannot set a daily withdrawal limit for your s-Card (Supplementary Credit Card).

However, you can still use your s-Card (Supplementary Credit Card) to withdraw cash at ATMs (if the transaction setting is enabled) up to 30% of your set credit limit for your s-Card (Supplementary Credit Card).

The remaining withdrawal limit is shown on the d-Card (Main Credit Card) Details page.

What are the requirements for a temporary increase in the spending limit for an s-Card (Supplementary Credit Card)?

Unlike the d-Card (Main Credit Card), you cannot request a temporary increase in the spending limit for an s-Card (Supplementary Credit Card).

However, as the d-Card (Main Credit Card) holder, you can adjust the allocated limit for your s-Card (Supplementary Credit Card).

How can I change an s-Card transaction to installments using Split Pay?

Changing an s-Card transaction to installments can only be done by the d-Card (Main Credit Card) holder by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Tap your s-Card (Supplementary Credit Card)
4. Go to the Transactions menu.
5. Find the transaction you want to change to installments and select it.
6. Choose Change to Installments.
7. Select your desired installment period by tapping the down arrow.
8. Review the details, then choose Next.
9. Check the confirmation page, give a tick as an agreement, then choose Submit.
10. Enter your Jenius password, then choose Submit.
11. You’ve successfully changed a transaction into an installment.

How can I stop or make an early payment on my s-Card installments?

Stopping or making an early payment on your s-Card (Supplementary Credit Card) installments can only be done by the d-Card (Main Credit Card) holder by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, select the Credit Card menu.
3. Scroll down to the Credit Card Information section, then choose the Split Pay menu.
4. Choose the installment you want to stop.
5. Review the remaining balance and confirm.
6. Enter your Jenius password, then choose Submit.

Are there any additional fees if I make an early payment on my s-Card (Supplementary Credit Card) installments?

Yes, there is a prepayment fee of 3% of the remaining principal balance for early settlement. This fee will be reflected in your next bill.

How can I view my s-Card (Supplementary Credit Card) bill?

– The billing statement for the s-Card (Supplementary Credit Card) is combined with the billing statement for the d-Card (Main Credit Card).
– The Credit Card billing statement is automatically available in the Jenius app and sent to the e-mail of the d-Card (Main Credit Card) holder on each billing statement date.

How can I pay my s-Card (Supplementary Credit Card) bill?

You can pay your s-Card (Supplementary Credit Card) bill together with your d-Card (Main Credit Card) bill using these methods:
– Through the Jenius app.
– At an SMBC Indonesia ATM.
– By transferring funds from another bank.

How can I make a manual payment for my s-Card (Supplementary Credit Card) bill?

s-Card (Supplementary Credit Card) repayment will be combined with your d-Card (Main Credit Card) repayment. Here’s how:

1. In Card Center, choose Credit Card.
2. Scroll to the Billing Information section, then choose View.
3. Choose Pay Now.
4. Select the desired payment amount and confirm.

How can I pay my s-Card (Supplementary Credit Card) bill at an SMBC Indonesia ATM?

– Insert your debit card into an SMBC Indonesia ATM.
– Enter your PIN.
– Select “Payments” and then “Jenius Credit Card”.
– Enter your 16-digit s-Card number.
– Enter the payment amount.
– Enter PIN and done.

How can I pay my s-Card (Supplementary Credit Card) bill through a transfer from another bank?

– Use your bank’s ATM or mobile banking.
– Select “Interbank Transfer”.
– Enter the SMBC Indonesia bank code (213) and your 16-digit s-Card number.
– Enter the payment amount.
– Confirm the transaction.

What are the terms and conditions for paying my s-Card (Supplementary Credit Card) bill through another bank?

Your s-Card bill is part of your main Jenius credit card bill.
– There is an IDR50,000 fee for payments made through other banks starting from April 19, 2024.
– This fee applies to all payments, regardless of the amount.
– The fee will be reflected in your transaction history and bill statement.
– To avoid fees, pay your bill through the Jenius app.

Are there any specific requirements for paying my s-Card (Supplementary Credit Card) bill?

Your s-Card (Supplementary Credit Card) bill is combined with your main Jenius card bill. Make sure to:
– Pay at least the minimum amount due to avoid late fees.
– If you have any ongoing installments, pay the full amount due for that month.

 What is the monthly s-Card (Supplementary Credit Card) fee?

The monthly s-Card (Supplementary Credit Card) fee is a fee charged each month for every additional credit card you have.

How much is the monthly s-Card (Supplementary Credit Card) fee and when will it be charged?

The monthly fee is Rp25,000 and will be charged on your monthly credit card statement.

What are the Yay Points terms for s-Card (Supplementary Credit Card)?

– Yay Points earned from s-Card (Supplementary Credit Card) transactions will be added to the main cardholder’s Yay Points balance.
– The earning rules for Yay Points will follow the existing terms and conditions.

What are the Double Yay terms for s-Card (Supplementary Credit Card)?

– The s-Card (Supplementary Credit Card) holder will automatically follow the Double Yay terms that has been chosen by the d-Card (Main Credit Card) holder.
– Double Yay from s-Card (Supplementary Credit Card) will be accumulated to the Yay Points of the d-Card (Main Credit Card) holder.
– Only transactions in the Double Yay category chosen by the d-Card (Main Credit Card) holder will get Double Yay.

How can I track the Yay Points I earn from my s-Card (Supplementary Credit Card)?

Yay Points thay you got from s-Card (Supplementary Credit Card) transactions can only be tracked by the d-Card (Main Credit Card) holder by following these steps:
1. On the bottom navigation, select Cards.
2. In the Cards page, choose the Credit Card menu.
3. Scroll to the Card Information section, then choose More under the Yay Points box.
4. Select View point transactions.
5. Check your earned points. Tap the transaction to see the details.

Can I close my s-Card (Supplementary Credit Card)?

Yes, you can close your s-Card (Supplementary Credit Card) through the s-Card settings in your Jenius app. This can only be done by the d-Card (Main Credit Card) holder.

How do I close a s-Card (Supplementary Credit Card)?

Only the main cardholder can close a s-Card (Supplementary Credit Card):
– Go to the “Cards” section in your app.
– Select the s-Card you want to close.
– Tap the three dots and choose “Close Card”.
– Confirm the closure.
– Enter your Jenius password and submit.

What happens to my s-Card (Supplementary Credit Card) if the d-Card (Main Credit Card) holder closes their credit card?

s-Card (Supplementary Credit Card) that you have will be closed if the d-Card (Main Credit Card) holder closes their credit card.

What happens to my s-Card (Supplementary Credit Card) if the d-Card (Main Credit Card) holder closes their Jenius account?

s-Card (Supplementary Credit Card) that you have will be closed if the d-Card (Main Credit Card) holder closes their Jenius account.