D-Point FAQ

D-Point is a point reward program that is earned 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 https://www.danamonline.com.

As a Customer who has a personal account with Danamon, you can automatically join any registration process in accordance with the criteria of the applicable terms and conditions.

A Customer participation starts when the program is launched or when the Customer joins Danamon through an account of the Danamon.

Participation in the program will automatically expire or end if the Customer no longer has an account with the Bank and/or the Customer is declared not entitled to collect or redeem D-Points by the Bank due to fraud in collecting D-Points or violating other banking provisions. In this case the Bank is fully entitled to cancel the Customer's participation in this program.

Yes. The validity period of D-Point is 3 (three) years since the D-Point is generated/converted/migrated.

D-Point will be forfeited automatically and cannot be redeemed for any D-Point gifts.

D-Point will be automatically forfeited when the Customer closes the account. For that reason the Customers are advised to redeem D-Points before closing their account. This also applies to the accounts involuntary closed by Danamon (involuntary closed such as dormant zero balance, etc.).

  • Individual Customers of the Danamon Consumer & SME Banking
  • The Customers have at least 1 active/open account in his/her Customer Identification File (CIF).
  • The Customers are not included in the List of Customers having fraud or outstanding liabilities/committing other violations

D-Point Information Report is displayed in a monthly statement sent to the Customer every month. The D-Point Information Report is the D-Point calculation at the end of the previous month. To find out the D-Point Information Report that is accurate and real time, the Customers can directly access www.danamonline.com.

  • Danamon Debit Card (Regular & Manchester United);
  • Danamon Credit Cards (Visa & MasterCard Platinum, Visa & MasterCard Manchester United, MasterCard World, Visa Infinite & MasterCard World Elite);
  • E-Channel (D-bank, Danamon Online Banking, ATM/CDM, & Danamon SMS Banking) specifically for financial transactions;
  • Home Ownership Loan (KPR);
  • Bancassurance (PPM, PPRO, PPRA, PPE, Primajaga100, PPA);
  • Mutual Funds (Mutual Funds & DRIP except for money market mutual funds); and
  • Danamon SME Solution Loan (Commercial Investment Loans, Business Investment Loans, Capital Investment Loans).

"D-Point" points will be calculated based on the basic matrix for calculating points. Points will be calculated & collected in the system from the Customer accounts with one CIF (Customer Number).

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

Visa & MasterCard Platinum

  • Minimum transaction is IDR 2,500 (multiplication applies)

1 D-Point

  • Maximum transaction is IDR 10 Million (for PLN bill payment)

Mastercard World

  • It is not applicable for:

3 D-Points

Visa Infinite

  1. Cash advance transactions
  2. Installment payments

MasterCard World Elite

8D-Points(domestic transaction)

12D-Points (transaction abroad)

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

Yes it also counts. D-Point is calculated based on the nominal spent in rupiah after it was converted from the original currency. Foreign currency exchange rates are based on the exchange rates prevailing at Danamon.

D-Point is calculated based on the purchase of the premium the insurance policy of which has been issued.

As long as the policy has been issued and the funds have been received, the D-Point will still be given.

D-Point is calculated based on the total premium paid, without calculating the portion of the investment and insurance.

D-Points for Personal Loan (KTA) are still given because they are based on the first disbursement. But the outstanding status on the Customer's KTA account results in the D-Point not being redeemed until the Customer's outstanding liabilities has been paid.

The Customer will be considered 2 different Customers. And the D-Point of each CIF cannot be combined.

The Customer is not eligible to join this program. And the D-Points collected will be forfeited automatically.

On a joint account, either AND or OR, the D-Points will be calculated & collected for the first CIF.

D-Point redemption can be made by the Customers who have D-Points through the point redemption channel as follows:

Channel

D-Point eligible for redemption

www.danamonline.com

for all gift categories

Hello Danamon

for non-travel category in the form of physical goods

  1. Go to the Danamon Online Banking website https:// www.danamonline.com then press D-Point button
  2. Input the Customer credentials data:
    • Account Number (comprising of 12 digits, if the account number is less than 12 digits, then it shall be added with number '0' in front of such account number so that the total account number reaches 12 digits)/Debit Card Number/Credit Card Number);
    • Date of Birth (DD/MM/YYYY); and
    • Mobile phone number.
  3. Input the OTP (One Time Password) code received through the mobile number registered with the Danamon system.
  4. Select gifts in the Travel/Non Travel/Mileage/Top Up E-Wallet category on the redemption web according to the number of points owned by the Customer.
  5. Confirm the point redemption transaction.
  6. The Customer will receive a point redemption tran-saction notification via the email address registered with the bank system
  1. Contact Hello Danamon Customer Care 1 500 090;
  2. Verify the Customer data in accordance with the appli-cable provisions for the transaction level;
  3. The Hello Danamon Customer Care Team opens a point redemption page and will redeem the points for the Customers;
  4. Select the Redeem D-point menu;
  5. Input Customer credentials data:
    • Account Number (comprising of 12 digits, if the account number is less than 12 digits, then it shall be added with number '0' in front of such account number so that the total account number reaches 12 digits)/Debit Card Number/Credit Card Number;
    • Date of Birth (DD/MM/YYYY); and
    • Mobile phone number.
  6. Select items/gifts in the redemption web according to the number of points owned by the Customer.
  7. Reconfirm the transaction by informing the Customer of the gifts/items and total points redeemed. If the Customer agrees, the process is continued;
  8. The Customer will receive a point redemption transac-tion notification via the email address registered with the bank system.

Subject

Web Site

Hello Danamon

Choice of Gifts

All category

Non Travel Only

Cost

Free of Charge

Charged:

i. 2,500 D-Points when redeeming for up to 100,000 D-Points

ii. 5,000 D-Points when redeeming above 100,000 D-Points

Address for delivery of gifts

Can be delivered to an address other than the address listed in the bank system

Can only be delivered to the address listed in the bank system

There are 5 categories of gifts that can be redeemed:

  1. Travel; the special category related to travel, such as airline tickets, hotels, car rentals, and others.
  2. Non-Travel; the gift category in the form of goods/ services, such as gadgets, electronics, home appliances, and special vouchers that are special category for shopping voucher redemption or F & B in the form of e-vouchers.
  3. Mileage/Frequent Flyer Miles from partner airlines of Danamon, including: Asia Miles, AirAsia BIG, Enrich, GarudaMiles & KrisFlyer
  4. Top Up E-Wallet; the gift category for the customers making e-wallet balance top up.

You can contact Hello Danamon Customer Care to submit a complaint and Danamon will help in following up such complaint to the vendor.

Delivery depends on the type of goods, origin of goods and destination address, considering the origin of goods may come from outside Indonesia. Overall delivery time is about 14-30 working days.

Complaints on point redemption must be received by Hello Danamon 1-500-090, 2 (two) weeks after the point redemption.