How to Create a BNI Credit Card Offline

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Bank Negara Indonesia (BNI) is one of Indonesia’s leading banks, offering a range of financial products and services to its customers. Among its offerings, BNI credit cards provide convenience and flexibility for making payments, both domestically and internationally.

While many processes are moving online, some individuals may prefer or need to create a BNI credit card offline. In this guide, we’ll explore the step-by-step process of creating a BNI credit card offline, ensuring that you can access the benefits of a BNI Credit Card regardless of your preferred method.

Visit the Nearest BNI Branch

To initiate the process of creating a BNI credit card offline, the first step is to visit the nearest BNI branch. BNI has a widespread network of branches across Indonesia, making it convenient for customers to access their services in person. Research the location and operating hours of your nearest BNI branch to ensure a smooth and efficient visit.

Prepare Required Documents

Before visiting the BNI branch, ensure that you have all the necessary documents and information required to apply for a credit card. While specific requirements may vary depending on the type of credit card and your individual circumstances, common documents include:

  • Valid identification: Bring your original identification document, such as an identity card (KTP) or passport.
  • Proof of income: Prepare documents to verify your income, such as salary slips, bank statements, or tax returns.
  • Additional documents: Depending on your employment status and financial situation, you may need to provide additional documents, such as business permits or proof of residence.
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Consult with BNI Staff

Upon arriving at the BNI branch, approach the customer service or credit card department to consult with BNI staff. Inform them that you wish to create a BNI credit card offline and inquire about the available credit card options, eligibility criteria, and application process.

The BNI staff will guide you through the necessary steps and assist you in completing the application form.

Complete the Application Form

To apply for a BNI credit card offline, you’ll need to complete an application form provided by the bank. Provide accurate and truthful information on the application form, including personal details, contact information, employment status, and income details. Double-check the form to ensure that all information is filled out correctly and legibly.

Submit Required Documents

Along with the completed application form, submit the required documents and information as requested by the BNI staff. Ensure that all documents are original, up-to-date, and in compliance with BNI’s requirements. The BNI staff will verify the authenticity of the documents and review your application for further processing.

Wait for Application Approval

Once you’ve submitted the application form and required documents, the BNI staff will process your credit card application.

The approval process may take some time, as the bank needs to review your creditworthiness, financial history, and eligibility for the chosen credit card. Be patient and await notification from BNI regarding the status of your application.

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Receive Your BNI Credit Card

If your credit card application is approved, you’ll receive notification from BNI regarding the approval and issuance of your credit card. Visit the BNI branch to collect your BNI credit card in person or arrange for delivery to your preferred address.

Upon receiving your credit card, activate it as per the instructions provided by BNI and familiarize yourself with its features, benefits, and usage guidelines.


Creating a BNI credit card offline is a straightforward process that involves visiting the nearest BNI branch, consulting with BNI staff, completing the application form, submitting required documents, awaiting application approval, and receiving your credit card.

By following these steps and ensuring compliance with BNI’s requirements, you can access the benefits of a Mandiri Credit Card and enjoy convenient payment options for your financial needs. Whether you prefer offline or online channels, BNI strives to provide accessible and efficient services to its customers, ensuring a seamless banking experience for all.