D-Point

Information

D-Point is a point reward program that is obtained by the Customers through various banking activities determined by Danamon as a reward from Danamon for the Customer’s loyalty. The collection and calculation of points in this program is made by the system based on banking activities carried out by the customers through Danamon products, which are calculated based on a predetermined matrix of point. The Customers may collect D-Points from several products they have as long as these products are in 1 (one) Customer Identification File (CIF). The collected D-Points can be redeemed for various gifts or merchandise directly by the Customers through the D-Point redemption channels provided by the Bank, one of which is by accessing the D-Point redemption website at dpoint.id.

Advantages

The advantages obtained by the Customers through D-Point are as follows:

  1. Easy and integrated accumulation of D-Points that you can collect through the following activities:
    • Shopping transactions via Danamon Debit Card.
    • Shopping transactions via Danamon Credit Cards.
    • Financial transactions on e-Channel (D-Bank, Danamon Online Banking, ATM and Danamon SMS Banking).
    • Disbursement of Personal Loans (KTA) or Home Ownership Loans (KPR).
    • Purchase of insurance or mutual fund products.
    • Disbursement of credit from Danamon SME Solution Loans.

Redemption

The following is the basic matrix for D-Point calculation:

Products Types of Transaction/Activity Number of Points

Debit Card

Shopping transactions at various merchants either through EDC (payment transaction machine) or online payments with a minimum transaction of IDR 7,500

1 D-Point

Danamon Visa and Mastercard® Platinum Credit Card
  • Minimum transactions of IDR2.500 (multiplication applied).
  • Maximum transactions of IDR10.000.000 (for bill payment/ PLN transaction).
  • Not applicable for:
    1. Cash advance transaction.
    2. Transaction converted to installment.
    3. QRIS transaction with source of fund Credit Card.

1 D-Point

Detail information of D-Point earned can be assess through Credit Card billing statement.*

Danamon JCB Precious Credit Card

Danamon Grab Credit Card

Danamon Mastercard® World Credit Card

Danamon Mastercard® World Business Credit Card

Danamon Visa Infinite Credit Card

Danamon World Elite™ Mastercard® Credit Card

E–Channel (D-Bank, Danamon Online Banking, ATM/CDM, Danamon SMS Banking)

Payment, purchase, or transfer transactions of 5 times per month (multiplication is not applicable)

250 D-Points

New registration of D-Bank/ Danamon Online Banking/ Danamon SMS Banking accounts, and immediately make transactions within the same month

500 D-Points bonus

Home Ownership Loan

Disbursement of home ownership loan for a minimum loan of IDR 500 million. The point is calculated as a multiple of IDR 1 million

10 D-Points

Personal Loan

Disbursement of unsecured personal loan for a minimum loan of IDR 25 million. The point is calculated as a multiple of IDR 1 million

50 D-Points

Primajaga Insurance

Purchase of insurance with a minimum premium of IDR 200 thousand. The point is calculated as a multiple of IDR 1,000

1.25 D-Points

Proteksi Prima Amanah Insurance

Proteksi Prima Maxiplus Insurance

Purchase of insurance with a minimum premium of IDR 100 million. The point is calculated as a multiple of IDR 1 million

100 D-Points

Proteksi Prima Rencana Optima Insurance

Purchase of insurance with a minimum premium of IDR 1 million. The point is calculated as a multiple of IDR 1 million, effective as of August 1, 2018

1,000 D-Points

Proteksi Prima Rencana Absolut Insurance

Proteksi Prima Emas Insurance

Mutual Funds

Purchase of mutual funds products for a minimum of IDR 1 million (multiplication applies). It is not applicable for money market funds and bonds

20 D-Points

SME Solution Loan:

Disbursement of SME Solution Loan product for a minimum IDR 500 million. The point is calculated as a multiple of IDR 1 million

25 D-Points

Terms & Conditions

  • Danamon Rewards Point Terms and Condition Apply, click here​.
  • The validity period of D-Points is 3 years from the time they are generated or migrated/ converted or until the specific program deadline.
  • *) Capped on bonus D-Point given by Bank per month (if any) is limited to 1 (one) time of card limit (included temporary card limit increases’ limit).
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