Garuda BNI Visa Signature review
Direct GarudaMiles earning under the issuer’s recorded eligible-spend rule.
Recorded earning rule
2 miles / IDR 24,000 eligible spend
Airline conversion
Co-brand GarudaMiles transferred at month-end once at least 2,500 miles accumulate. From February 26, 2026, balances below 500 miles are cleared after each 12-month period.
No complete transfer table has been verified for this record.
Eligibility and costs
Published minimum annual income: IDR 36 million. Main applicant: age 21–65; supplementary card: 17+. Subject to issuer assessment.
Fee waiver: Not verified
Points expiry: Not verified
Transaction rounding: Not verified
Who should consider it?
Consider this product only if the recorded earning route matches your normal spending and you can use the airline reward before expiry. Compare it with at least one direct-mile and one flexible-point alternative.
What remains uncertain
Rate effective February 26, 2026. QRIS, bill payments, utilities, cash withdrawals and other excluded categories do not earn. Standard fee shown; conditional fee waivers may apply.
Status: Indexed from official sources; confirm availability. A missing field is not zero.