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02. 03042020-HD-Buku Petunjuk BNI Emerald Personal

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02. 03042020-HD-Buku Petunjuk BNI Emerald Personal DAFTAR ISI Prakata 02 BNI ATM 22 BNI Emerald Personal World Debit 04 BNI Internet Banking 27 Informasi Penting 06 BNI SMS Banking 31 Keleluasaan Bertransaksi 08 BNI Mobile Banking 38 Layanan Khusus 10 Petunjuk Penggunaan Kartu Pada Saat Berbelanja 41 Perlindungan Khusus 13 Ketentuan Umum 44 Layanan BNI Emerald Concierge 19 Benefit Kartu BNI Emerald Personal World Debit 48 Layanan Phone Banking 21 Buku Petunjuk Layanan BNI Emerald BukuPersonal Petunjuk World Layanan Debit BNI Emerald Personal World Debit DAFTAR ISI Prakata 04 BNI ATM 24 BNI Emerald Personal World Debit 06 BNI Internet Banking 29 Informasi Penting 08 BNI SMS Banking 33 Keleluasaan Bertransaksi 10 BNI Mobile Banking 40 Layanan Khusus 13 Petunjuk Penggunaan Kartu Pada Saat Berbelanja 43 Perlindungan Khusus 15 Ketentuan Umum 46 BNI Emerald Concierge 21 Benefit Kartu BNI Emerald Personal World Debit 49 Layanan Phone Banking 23 Buku Petunjuk Layanan BNI Emerald Personal World Debit DAFTAR ISI Prakata 04 BNI ATM 24 Exclusive Privileges only with BNI Emerald Personal Banking BNI Emerald Personal World Debit 06 BNI Internet Banking 29 Informasi Penting 08 BNI SMS Banking 33 Keleluasaan Bertransaksi 10 BNI Mobile Banking 40 Layanan Khusus 13 Petunjuk Penggunaan Kartu Pada Saat Berbelanja 43 Perlindungan Khusus 15 Ketentuan Umum 46 BNI Emerald Concierge 21 Benefit Kartu BNI Emerald Personal World Debit 49 Layanan Phone Banking 23 Indonesia | Singapore | Hong Kong | Seoul | Tokyo | Osaka Buku Petunjuk Layanan BNI Emerald Personal World Debit London | New York PRAKATA Nasabah BNI Emerald Personal Banking yang terhormat, Terima kasih atas kepercayaan Bapak/Ibu untuk memilih dan memiliki BNI Emerald Personal World Debit. Kami persembahkan BNI Emerald Personal World Debit sebagai kartu identitas untuk kemudahan, kenyamanan dan keleluasaan aktivitas Bapak/Ibu, baik untuk transaksi perbankan maupun non perbankan. Buku panduan layanan dan transaksi ini merupakan informasi yang rinci mengenai kegunaan dan fitur BNI Emerald Personal World Debit. Buku ini mohon disimpan dan sewaktu-waktu Bapak/Ibu dapat membaca kembali. Kami ucapkan selamat menggunakan BNI Emerald Personal World Debit dan layanan perbankan khusus untuk para nasabah istimewa BNI dan nikmati berbagai keistimewaan dari layanan BNI Emerald Personal World Debit untuk Bapak/Ibu dan keluarga. Salam hangat, General Manager 4 DARI BNI EMERALD PERSONAL WORLD DEBIT 5 BNI EMERALD PERSONAL WORLD DEBIT a. Nomor Kartu Nomor BNI Emerald Personal World Debit terdiri dari 16 digit angka. b. Member Since Menunjukkan pada saat awal penerbitan kartu. c. Valid Thru Bulan/Tahun pada tulisan Valid Thru menunjukan masa berlaku BNI Emerald Personal World Debit. d. Logo MasterCard BNI Emerald Personal World Debit dapat diterima sebagai alat pembayaran di toko/merchant yang memasang logo MasterCard di seluruh dunia, dengan otorisasi PIN (Personal Identification Number). BNI Emerald Personal World Debit hanya dapat diterima di toko/merchant MasterCard dengan transaksi secara elektronik, oleh karenanya tidak dapat digunakan b untuk bertransaksi di toko/merchant dengan mesin manual (imprinter). e d e. Nama Pemegang Kartu Nama Pemegang Kartu tercetak di bagian depan BNI Emerald Personal World Debit menunjukan bahwa hanya pemegang kartu yang berhak c menggunakan BNI Emerald Personal World Debit tersebut. f. Pita Magnetik (Magnetic Stripe) Pita magnetik sangat penting untuk kelancaran penggunaan kartu Bapak/ Ibu. Oleh karena itu harus dijaga dan dijauhkan dari hal-hal yang dapat merusak daya magnetik seperti arus listrik, panas, benda lain yang mengeluarkan medan elektromagnetik, jatuh atau tergores benda tajam. 6 h. Logo Maestro BNI Emerald Personal World Debit juga diterima sebagai alat pembayaran di toko/merchant yang memasang logo Maestro di seluruh dunia, dengan otorisasi PIN (Personal Identification Number). i. Logo Cirrus BNI Emerald Personal World Debit selain dapat digunakan untuk m berbelanja, juga memiliki fasilitas pengambilan uang tunai melalui BNI ATM Debit BNI Emerald Personal World maupun ATM Bank lain yang berlogo Cirrus di seluruh dunia. f j. Logo ATM Link g BNI Emerald Personal World Debit juga diterima untuk transaksi di jaringan ATM Link/ATM Bank BUMN (HIMBARA: Bank Mandiri, Bank BRI dan Bank BTN). k. Logo ATM Bersama BNI Emerald Personal World Debit Bapak/Ibu dapat digunakan untuk transaksi di seluruh jaringan ATM Bersama. h l. Logo ATM Prima i BNI Emerald Personal World Debit Bapak/Ibu dapat digunakan untuk j transaksi di seluruh jaringan ATM Prima. k m. Layanan 24 Jam BNI Emerald Call BNI siap membantu Bapak/Ibu melalui layanan 24 jam BNI Emerald Call l 1500098. 7 INFORMASI PENTING 1. BNI Emerald Personal World Debit Bapak/Ibu adalah Kartu pribadi Bapak/Ibu maka demi keamanan dan kenyamanan Bapak/Ibu, kami sarankan agar Kartu selalu berada dalam pengawasan Bapak/Ibu. 2. Bapak/Ibu wajib menandatangani Kartu pada kolom tanda tangan yang ada di belakang Kartu. 3. Apabila Kartu Bapak/Ibu hilang, Bapak/Ibu wajib untuk segera melaporkannya ke Kantor Cabang BNI terdekat atau menghubungi Layanan BNI Emerald Call 1500098 untuk dilakukan proses pemblokiran Kartu. 4. Segala kerugian dan biaya yang timbul akibat penyalahgunaan kartu atau PIN karena kesalahan/kelalaian Bapak/Ibu atau penyalahgunaan kartu karena kehilangan kartu yang belum dilaporkan ke BNI sepenuhnya menjadi tanggung jawab Bapak/Ibu. 5. BNI Emerald Personal World Debit Bapak/Ibu hanya dapat digunakan untuk bertransaksi secara elektronik (Electronic Used Only) dan oleh karenanya kartu BNI Emerald Personal World Debit Bapak/Ibu tidak dapat digunakan pada mesin Gesek Manual (Imprinter). 6. Kode Pengenal Diri/Personal Identification Number (PIN) bersifat pribadi dan rahasia, Bapak/Ibu wajib mengamankan PIN Bapak/Ibu dengan cara : • Tidak memberitahukan PIN Bapak/Ibu kepada orang lain. • Tidak menuliskan PIN Bapak/Ibu atau menyimpannya dalam bentuk tertulis atau sarana penyimpanan lainnya sehingga memungkinkan untuk diketahui orang lain. • Berhati-hati dalam menggunakan PIN Bapak/Ibu agar tidak diketahui orang lain. • Tidak menggunakan tanggal lahir, nomor KTP atau bukti identitas lainnya sebagai PIN sehingga memungkinkan untuk diketahui oleh orang lain. 7. Perbaharui terus apabila ada perubahan data (alamat, telepon rumah/kantor/ponsel) dengan mendatangi Kantor Cabang BNI, sehingga kami dapat menginformasikan berbagai keistimewaan dari BNI Emerald Personal World Debit. 8. Apabila ada masalah dalam melakukan transaksi di toko/merchant atau ATM silakan menghubungi Layanan BNI Emerald Call 1500098. 9. Harap berhati-hati dengan keterangan atau data, baik yang ditempel di sekitar ATM BNI, maupun yang diinformasikan oleh orang lain ketika bertransaksi di ATM. Keterangan atau data tersebut belum tentu benar dan sah. 8 10. Fitur Transaksi kartu BNI Emerald Personal World Debit adalah sebagai berikut: Transaksi Limit Transaksi Harian Informasi Penting Tarik Tunai melalui ATM BNI Rp 15 juta Transfer Antar Rek. BNI melalui ATM Rp 500 juta Transfer Antar Rek. Bank lain melalui ATM Rp 50 juta Transaksi Belanja di mesin EDC (Pin Based) Rp 500 juta atau unlimited frekuensi Transaksi Belanja di mesin EDC (signature based)* Rp 500 juta atau 10 kali frekuensi Internet Banking (Transfer antar BNI e-secure) Rp 500 juta Internet Banking (Transfer antar BNI m-secure) Rp 100 juta Internet Banking (Transfer antar bank) Rp 25 juta SMS Banking (Transfer antar BNI) Rp 25 juta SMS Banking (Transfer antar bank) Rp 10 juta Mobile Banking (Transfer antar BNI) Rp 100 juta Mobile Banking (Transfer antar bank) Rp 50 juta * Mana yang lebih dahulu terpenuhi. ** Untuk kenaikan limit transaksi internet banking hingga 1 Milyar, hubungi cabang BNI terdekat. 9 KELELUASAAN BERTRANSAKSI MENGGUNAKAN BNI EMERALD PERSONAL WORLD DEBIT 1. Sebagai Kartu Identitas/Recognition Card Diterima di seluruh Kantor Cabang BNI Dalam dan Luar Negeri, BNI Emerald Outlet, BNI Emerald Lounge, BNI Emerald Flagship dan Airport Lounge. 2. Pengganti Uang Tunai xxxxxxxxx Bapak/Ibu dapat menggunakan BNI Emerald Personal World Debit untuk transaksi belanja di jaringan toko/merchant yang bekerjasama dengan BNI, dan toko/merchant lain yang memasang logo MasterCard atau Maestro baik di Dalam Negeri maupun Luar Negeri dengan menggunakan otorisasi PIN (Personal Identification Number) tanpa dikenakan biaya apapun. 3. Transaksi Online (BNI Debit Online) BNI Debit Online adalah model inovasi atau alternatif pembayaran yang mudah, cepat dan aman untuk transaksi belanja online di toko/merchant online di seluruh dunia yang menerima MasterCard. Mekanismenya adalah dengan mendapatkan Virtual Card Number (VCN) sebagai pengganti nomor asli Kartu Debit BNI berlogo MasterCard untuk diinput pada kolom halaman pembayaran online dimana sumber dana BNI Debit Online berasal dari rekening tabungan/giro perorangan dan telah melakukan aktivasi BNI Mobile Banking. 10 • Login BNI mobile banking • Pilih menu Produk & Jasa Lainnya • Pilih BNI Debit Online (VCN) • Pilih nomor rekening yang akan digunakan xxxxxxxxx Keleluasaan Transaksi • Masukkan Limit Nominal Request VCN xxxxxxxxx xxxx xxxx xxxx xxxx • Masukkan Password Transaksi • Terima status Request VCN Berhasil dan akan muncul nomor virtual xxxx xxxx xxxx xxxx yang dapat digunakan untuk transaksi 4. Tarik Tunai di ATM BNI Selain di ATM BNI, Bapak/Ibu juga dapat menggunakan BNI Emerald Personal World Debit untuk tarik tunai dan inquiry di ATM Bank lain yang memiliki logo Cirrus yang tersebar di seluruh dunia serta tarik tunai, inquiry dan transfer antar rekening Bank lain dengan menggunakan jaringan ATM Bersama,
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