D-Point Terms and Condition


  1. Bank is PT. Bank Danamon Indonesia, Tbk. located in Jakarta and act through branch offices across Indonesia.
  2. Customer is individual who owns an account at the Bank and/or uses any banking facility/service provided by the Bank.
  3. Account is Customer’s deposit in the form of Current Account, Savings, Time Deposit and/or other comparable forms, both the existing and the one(s) he/she will open in the future.
  4. CIF (Customer Indentification File) is customer identification number issued by the Bank to identify each customer.
  5. Danamon Online Banking is Banking Information and Transaction Service provided by the Bank 24 hours a day, seven days a week, and can be accessed by Customers via Internet (https://www.danamonline.com).
  6. OTP (One Time Password) is Private Token Code generated by Token Generator or sent via SMS to access Danamon Online Banking to resume transactions that require Private Token Code.
  7. Hello Danamon is a working unit authorized to provide Banking Information and Transaction Service  (non-cash), both financial and non-financial, provided by the Bank to Customers via phone 24 hours a day, seven days a week.
  8. D-Point is point reward acquired by Customers through transactions/banking activities specified by the Bank. The system will calculate and collect points from several Bank’s activities/products owned by a Customer if the products are registered under a single customer identification number. Collected points can be exchanged with various prizes or merchandises through point exchange channels provided by the Bank.



  1. Registration is unnecessary. Customers who still own individual account in the Bank are automatically enrolled in the program.
  2. Participation starts upon the launch of the program or when the customer joins the Bank through its products.
  3. To collect points, customers are required to fulfill certain requirements such as opening an account, conducting transactions, increasing account balance and/or other requirements.
  4. Participation in the program will be automatically terminated if a customer no longer has an account in the Bank and/or is disqualified from collecting or exchanging the points due to deceit or other violations. In that regard, the Bank has the right to revoke the customer’s participation in the program.



The program starts on 1 February 2017. As for Danamon Debit Card holders who have collected reward points prior to the launch, they will be automatically enrolled in the program. Their points will be transferred and the calculation process will resume according to the terms and conditions.



  1. Provisions in the program do not change the provisions of banking activities in the Bank.
  2. Banking activities performed by Customers to collect points will follow the provisions that apply to those activities, e.g. the rules of opening an account, deposit and withdrawal, payment and purchase, e-channel registry, loan application, etc.
  3. Customers must comply with terms and conditions for banking activities set by the Bank, including existing banking regulations.



List of product criteria as a reference in calculating points for the program:

  1. Debit Card
  2. Credit Card
  3. E-Channel (D-Bank, Danamon Online Banking, ATM/CDM, Danamon SMS Banking)
  4. Personal Loan/Dana Instant (KTA)
  5. Housing Loan (KPR)
  6. Bancassurance (Insurance)
  7. Mutual Fund
  8. Danamon Solusi UKM 



The following is the basic point calculation matrix:  


Type of Transaction/ Activity


Debit Card

Minimum of IDR 7,500 transaction via merchant EDC or e-commerce payment (apply multiply)

1 D-points

Visa & MasterCard Platinum

Minimum of IDR 2,500 transaction via merchant EDC or e-commerce payment (apply multiply)

Maximum of IDR 10 million (for PLN bill payment)

Not applicable for:

  • Cash Advance
  • Intallment payment

1 D-Point

MasterCard World

Visa Infinite

3 D-Point
MasterCard World Elite

8 D-Point (domestic transaction)

12 D-Point (overseas transaction)

E – Channel

Minimum of 5 transactions per month

250 D-points

Danamon Online Banking/D-Bank registration and immediately conducting a transaction in the same month

500 Bonus D-points

Housing Loan (KPR)

Disbursement of Minimum IDR 500 million of housing loan. Point shall be calculated based on multiplication of IDR 1,000,000

10 D-points

Non-Collateral Loan (KTA) / Dana Instant

Disbursement only for minimum Rp25 million of non-collateral loan. Points calculated based on Rp1,000,000 multiplication

50 D-points

Proteksi Prima Maxiplus Insurance

Purchase of insurance with minimum premium of Rp100 million. Points calculated based on Rp1,000,000

100 D-points

Proteksi Prima Rencana Optima Insurance

Proteksi Prima Rencana Absolut Insurance

Proteksi Prima Emas Insurance

Purchase of insurance with the minimum premium of IDR 1 million. Points shall be calculated based on multiplication of IDR 1 million, efectively 1st  August 2018

1.000 D-points

Primajaga Insurance

Proteksi Prima Amanah Insurance

Purchase of insurance for a minimum premium of IDR 200 thousand. Point shall be calculated based on the multiplication of IDR 1,000

1.25 D-points

Mutual Fund

Purchase of Mutual Funds Product for a minimum of IDR 1 million. Not applicable for the money market and bonds mutual funds.

20 D-points

SME/Business Products:

  • Overdraft Facility
  • Term Installment Loan
  • Demand Loan

Disbursement of SME/ Business Loan for a minimum of IDR 500 million. Points shall be calculated based on multiplication of IDR 1,000,000

25 D-points

Simulation A

  • Debit transaction Rp1,299,500 = 173 D-points
  • Primajaga premium Rp500,000 = 625 D-points
  • Total Points = 798 D-points

Simulation B

  • Online Banking Registration & payment transaction in the same month = 500 D-points
  • KTA  disbursement Rp50 million = 2,500 D-points
  • Total Points = 3,000 D-points

The Bank’s calculation is considered valid if there is a difference of point calculation between the Customer’s calculation with the Bank’s system.



Points can be redeemed through following channels:

A. Website www.danamonline.com redemption for all reward categories are applicable on the website. Rewards can be delivered to address registered on the system or to other addresses.

B. Hello Danamon, The redemption through Hello Danamon may only be made to non-travel categories (such as product/voucher or fee waiver). The rewards can only be delivered to the address in accordance with the data in the system.

C. EDC machine at appointed partner merchants


• Customer will be notified through email that has been registered on the Bank’s system for each point redemption transaction. Customer who has not registered their email on the system will not receive any notification.

• Customer will receive an OTP code on their mobile phone number listed in the bank’s system for accessing/logging in to redemption website. Customer who has not registered a valid contact number on the Bank’s system will not receive the OTP code.

• Specifically for point redemption through Hello Danamon, a 2,500 D-Point fee will be charged for each redemption transaction up to 100,000 D-Points, while redemption transactions exceeding 100,000 D-Points will be charged 5,000 D-Points.

• The process of point redemption with rewards will be assisted by a third party/vendor, Infinia Solutions and Services Pvt. Ltd. The Vendors will be responsible for the availability and delivery of the rewards. The redeemed D-Point cannot be refunded or credited upon cancellation, except Danamon or vendor cannot provide or deliver redeemed product/service. In the event of unavailable reward supply/providers of the goods/services, Bank will return/cancel the points that have been redeemed.



  1. Travel, rewards category related to your travel needs such as flight tickets from over 900 airlines, reservation at over 450.000 hotels, car rental in over 150 cities, etc.
  2. Non-Travel, a reward gift in the form of products such as gadgets, electronic, home appliance, and
  3. Voucher, a reward goft for your lifestyle needs such as shopping vouchers, or F & B vouchers in the form of e-voucher.
  4. Miles, is a reward that allows you to convert your D-Point into Frequent Flier Program of Danamon airlines partner such as: Asia Miles, AirAsia BIG, Enrich, GarudaMiles & KrisFlyer
  5. Manchester United Merchandise, especially for Manchester United card holder (Debit & Credit) they can also redeem merchandise MU.
  6. Debar D-Point, is a special gift offer program that only can be redeem in certain period.

The categories and types of rewards may change at any time depending on the availability of the goods/ services. The Bank shall be entitled to make change the list of categories and types of prizes in accordance with the availability of the goods/services. Such changes will be informed through a media provided by the Bank.



  1. D-Point has a maximum of 3 years validity period since it was generated/migrated/converted or until the specified time limit of the program.
  2. The points that are not redeemed within 3 years after generated/migrated/converted will be forfeited.
  3. If the Customer closes all accounts in Bank, all points accumulated will be forfeited even if the point’s expiration has not reached 3 years.



  1. All complaints can be submitted via Hello Danamon 1 500 090 that will be accommodated by the Bank.
  2. In the event of unavailable reward supply/providers of the goods/services, the Bank will notify the Customer. The redeemed points will be returned/canceled by the Bank and the Customer may exchange the points with available rewards.
  3. The quality of goods/services is the responsibility of providers of the goods/services. In the event of any complaints about the quality of the goods, the complaints may be submitted directly to the providers.
  4. The complaints can be submitted no later than two (2) weeks from the point redemption. The complaints submitted after two (2) weeks will not be followed up by the Bank.



  1. The details of Program can be found on the website: https://www.danamonline.com or by calling Hello Danamon customer care on 1-500-090.
  2. These terms and conditions constitute an inseparable unity with all the provisions and information provided by the Bank, through but not limited to letters, brochures, posters, and other media.
  3. Changes to the terms and conditions will be informed by the Bank within seven (7) working days prior to the effective date applicable to the Customer through a branch or other media owned by the Bank.
  4. The points that have converted/exchanged can not be canceled.
  5. The selected reward is non refundable or redeemable for cash or other prizes.
  6. The terms and conditions of the product and/or transaction and/or other that are not specified in these terms and conditions shall follow the terms and conditions applicable to each product/transaction.


For the purposes of correspondence and notifications, make sure the data of address, telephone number, and email registered in Danamon’s system is valid. In case of any changes to the data, update the data using Data Updating Form available at Danamon Branch offices