D-Point is a reward point earned by customers through banking transactions or activities, the amount of which is determined by the Bank, and which customers can redeem for various rewards available through the redemption channels provided by the Bank.

Customers can directly access a report on their D-Point balance via the D-Point Menu available on Dbank PRO. Here are the steps customers can follow:

1. Log in to DBank PRO
2. On the Home page, select the Points icon/information located in the top left-hand corner (below the customer’s name)
3. On the Points page, select the customer’s D-Point account
4. You will be redirected to your D-Point account microsite, which displays your Point balance

Customers who hold an account with the Bank and carry out transactions in accordance with the D-Point General Terms and Conditions and the Bank’s applicable policies will earn D-Points

• Danamon Debit/ATM Card
• Danamon Credit Card
• D-Bank PRO
• Mutual Funds

D-Points are valid for a maximum of 3 (three) years from the date they are credited by the Bank.

The D-Points will automatically expire and cannot be redeemed for any D-Point rewards.

If a customer closes all their accounts and/or credit cards, all accumulated D-Points will expire, even if the D-Points have not yet reached the 3 (three) year expiry period. This also applies to accounts closed by Danamon (involuntary closures such as dormant accounts with zero balance, etc.). Customers are advised to redeem their D-Points before closing their accounts.

A customer’s D-Point account may be divided into a maximum of 2 (two) accounts based on the customer’s identification number held in the Bank’s system, namely a D-Point account linked to a Debit/ATM Card and a D-Point account linked to a Credit Card.

D-Points earned from transactions using a Debit/ATM Card, D-Bank PRO, and/or mutual fund transactions will be credited by the Bank to the customer’s Debit/ATM Card-based D-Point account at the end of each month.

D-Points earned from transactions using a Credit Card will be credited to the Customer’s Credit Card-based D-Point account by the Bank at the end of each month.

The D-Point balances for each Customer Identification Number cannot be combined.

**) A transaction limit applies to the calculation of D-Point Bonuses (if any), namely a maximum of 1 (one) times the card limit (including if the card is currently subject to a temporary limit increase) granted by the Bank to the Customer.

Yes, they are. D-Points are calculated based on the transaction amount in Indonesian rupiah after conversion from the original currency. The foreign exchange rate is based on the rate recorded in Bank Danamon’s system.

For customers with a joint account (whether ‘AND’ or ‘OR’), the customer whose name appears first on the joint account will be the one to receive the D-Points.

1. Log in to the D-Bank PRO app – Select the ‘Points’ menu on the Home screen
2. Select your D-Points account
3. Select a Reward Category
4. Select a reward product available in the Redemption Channel based on the number of points the customer holds
5. Confirm the D-Point redemption transaction
6. Enter the OTP (One-Time Password) received via the mobile number registered with the Danamon system.
7. The customer will receive a notification of the points redemption transaction via the email address registered in the bank’s system

Click here to see the tutorial: bdi.co.id/tutordpoint

D-Points can be redeemed for a wide range of rewards available via the Redemption Channel.

D-Points can only be redeemed by the account holder directly, provided that the name, telephone number and/or email address used in the D-Point redemption process match those registered in the Bank Danamon system.

For the redemption of flight tickets, customers may redeem for more than one person, whereby the details of the first person will use the customer’s details registered in Bank Danamon’s system, whilst details for subsequent persons may be entered manually by the customer (for example, for a spouse, child, parent, etc.).

Customers may contact Hello Danamon on 1-500-090 and/or their nearest branch to update their details in the Bank’s system. The details will be updated in the customer’s D-Point account within 2–3 working days at the latest.

Customers can change their name details in the mileage partner’s system to match the name registered in the Bank’s system.

D-Points that have been converted or redeemed by the customer cannot be cancelled.

Rewards that have been selected for redemption using D-Points cannot be returned or exchanged for cash or anything else, including changes to flight tickets (type, departure date), hotel bookings (room type, check-in date), mileage types, voucher types and product types.

In the event of cancellation and/or rescheduling of flight and/or hotel bookings by the airline and/or hotel management, this is the direct responsibility of the Customer and the airline and/or hotel management.

The Bank collaborates with third parties/vendors in the process of redeeming D-Points for Rewards and delivering the Rewards to the Customer.

Delivery of physical rewards / m erchandise: This depends on the type of item, its origin (bearing in mind that items may originate from outside Indonesia) and the delivery address. Overall, delivery takes approximately 14–30 working days.

Please ensure the following prerequisites are met:

1. The customer’s account is still active (not subject to any restrictions)
2. The customer’s mobile number is registered in the Bank’s system
3. The customer’s email address is registered in the Bank’s system

The customer’s entitlement to D-Points will automatically expire if the account or credit card is closed and/or the customer is deemed by the Bank to be ineligible to accumulate or redeem D-Points due to fraud in the accumulation of D-Points or a breach of the Bank’s applicable terms and conditions or the laws and regulations in force in Indonesia. In such cases, the Bank reserves the full right to cancel the Customer’s entitlement to D-Points.

Complaints regarding point redemption must be received by Hello Danamon on 1-500-090 no later than two (2) weeks after the points have been redeemed.