Garuda BNI vs transferable bank points
Compare direct GarudaMiles earning with bank currencies that require a later transfer.
| Card | Recorded earning | Reward currency | Annual fee | Verification status |
|---|---|---|---|---|
| BNI Garuda BNI Visa Signature | 2 miles / IDR 24,000 eligible spend | GarudaMiles | IDR 800,000 | Indexed from official sources; confirm availability |
| Jenius Visa Credit Card | Seed / Plant: 1 Yay Point per IDR 12,000 eligible domestic spend. Higher clubs: 1 per IDR 10,000. | Yay Points | IDR 750,000 | Indexed from official sources; confirm availability |
| Maybank White Card | Select the TREATS Miles wallet: 1 per IDR 10,000 (Onyx), IDR 9,000 (Emerald), or IDR 8,000 (Diamond). | Maybank TREATS Miles | IDR 180,000 | Indexed from official sources; confirm availability |
| OCBC Indonesia 90°N | 1 Travel Mile / IDR 12,000 domestic eligible spend | Travel Miles | IDR 1,000,000 | Indexed from official sources; confirm availability |
Direct miles
A direct card reduces conversion decisions, but ties earning to one program and its award availability.
Transferable points
A bank currency can preserve options, but minimums, ratios, caps and expiry can reduce its value. Never compare one bank point with one airline mile without the conversion table.