The Employee Credit Card Agreement is a crucial document for organizations operating in Indonesia that provide corporate credit cards to their employees. This agreement becomes necessary when companies need to establish clear guidelines and legal frameworks for corporate credit card usage while ensuring compliance with Indonesian banking regulations and employment laws. The document addresses the complexities of corporate credit card management, including authorization procedures, spending limits, expense reporting requirements, and liability allocation between the employer and employee. It incorporates specific requirements from Indonesian banking regulations, particularly those set by Bank Indonesia and the Financial Services Authority (OJK), while also considering employment law implications. The agreement is designed to protect both employer and employee interests while facilitating efficient business operations through controlled access to corporate credit facilities.
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1. Parties: Identification of the employer/company and the employee receiving the credit card
2. Background: Context of the agreement and purpose of issuing corporate credit cards to employees
3. Definitions: Key terms used throughout the agreement including 'Corporate Credit Card', 'Authorized User', 'Credit Limit', etc.
4. Card Issuance and Ownership: Terms regarding card issuance, ownership rights, and the company's right to cancel/recall
5. Authorized Use: Permitted uses of the credit card, including types of expenses and spending limits
6. Employee Obligations: Employee's responsibilities regarding card use, security, and reporting
7. Expense Reporting: Procedures and timeframes for submitting expense reports and supporting documentation
8. Payment Terms: Terms regarding payment of credit card bills, reimbursement procedures, and handling of unauthorized charges
9. Prohibited Uses: Specific restrictions on card usage and prohibited transactions
10. Security Measures: Requirements for protecting the card and reporting loss/theft
11. Liability: Allocation of liability between company and employee for various scenarios
12. Termination: Conditions and procedures for terminating card privileges and final settlement
1. International Usage: Include when the card may be used for international travel or transactions
2. Cash Advances: Include if cash advances are permitted, specifying limits and procedures
3. Rewards Program: Include if there's a rewards program and specify ownership of rewards points
4. Multiple Cards: Include if employee may be issued multiple cards or supplementary cards
5. Digital Wallet Integration: Include if cards can be added to digital wallets or used for contactless payments
1. Schedule 1 - Authorized Expense Categories: Detailed list of expense categories approved for card use
2. Schedule 2 - Credit Limits and Authorization Levels: Breakdown of credit limits and approval requirements for different expense amounts
3. Schedule 3 - Expense Reporting Templates: Standard forms and templates for expense reporting
4. Appendix A - Card User Guidelines: Detailed guidelines for day-to-day card usage and best practices
5. Appendix B - Emergency Contact Information: Contact details for card-related emergencies, loss reporting, and support
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