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.

Advantages

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

Easy and integrated accumulation of D-Points that you can collect through the following activities:

  • Transactions using Danamon Debit Card / Danamon Credit Card
  • Financial transactions on D-Bank PRO
  • Purchase of Mutual Fund products

Redemption

Effective starting June 1, 2026, there will be an adjustment to the D‑Point for Danamon Credit Cards. For more detailed information, please click here.
Product Type of Transaction/Activity Total Point

Debit/ATM Card

Purchases at various merchants, either through EDC (payment transaction machines) or online payments, with a minimum transaction of IDR 7,500.00 (multiplication applied).

1 D-Point

Danamon Visa dan Mastercard®Platinum Credit Card
  1. Minimum transactions of IDR2.500 (multiplication applied)
  2. Not applicable for:
    1. Cash advance transactions
    2. Transactions converted into installments (My Own Installment)
    3. Cancelled transactions
    4. Fund transfer transactions (Money Transfer)
    5. Credit card bill conversion into installments (balance conversion)
    6. QRIS transactions
    7. Bill Payment transactions
    8. Insurance transactions
    9. Transactions with the following MCC (Merchant Category Codes):
MCC Code Description

4900

Utilities – Electric, Gas, Water, and Sanitary

5541 - 5542

Gas Stations

6540

Funding Transactions (Top Up E-Wallet)

9311

Tax Payments

9399

Government Services

6051

Forex Trading, Foreign Exchange Transactions, and Travelers Cheques – Non-Financial Institutions

 

1 D-Point

 

Detail information of D-Point earned can be accessed 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 CFard

Danamon World Elite™ Mastercard® Credit Card

D-Bank PRO

Payment transactions, purchases or transfers at least 5 times per month (not applicable to multiples).

250 D-Point

Mutual Fund
  1. Purchase of Mutual Fund products with a minimum amount of IDR 1,000,000 (multiplication applied).
  2. Not applicable to money market and bond mutual funds.
  3. For purchases of mutual funds in foreign currency, the amount will be converted into Indonesian Rupiah (IDR) using the applicable mid-rate exchange rate determined by the Bank as of the 26th day of the current month / the last working day prior to the 26th of the current month (if the 26th falls on a holiday).

20 D-Point

**) There is a limit on the number of transactions for calculating D-point Bonuses (if any), which is a maximum of 1 (one) time the card limit (including if the card is undergoing a temporary limit increase) given by the Bank to the Customer.

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.
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