5% Cashback from Danamon LEBIH/Danamon LEBIH PRO

The program is valid from 1 August 2025 to 28 February 2026 (“Program Period”).

1. This program is only valid for customers who have a Danamon LEBIH PRO/Danamon LEBIH PRO iB/Danamon LEBIH/Danamon LEBIH iB savings account and make transactions using a Danamon Debit/ATM Card with the GPN and Mastercard logos (“Customers”).
2. This program is not valid for Danamon Privilege Bank customers.

1. Customers must read and understand the General Terms and Conditions of the Program.
2. Bank Danamon reserves the right to refuse participation of any Customer who does not meet the General Terms and Conditions of the Program.
3. Customers are solely responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
4. The following provisions apply to the Program:
1. Danamon LEBIH PRO Cashback Scheme/Danamon LEBIH PRO iB
1. For Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account holders, customers are required to make purchases at any merchant, either offline or online, located outside Indonesia (“Overseas Transactions”), and/or make purchases at merchants registered with Mastercard as gas stations and/or grocery stores, either offline or online (“Eligible Merchants”), located within the country (“Domestic Transactions”) using a Danamon Debit/ATM Card bearing the GPN and Mastercard logos to receive a cashback of 5% subject to the terms and conditions set forth in the table below:

   Cashback Category	Cashback	Maximum Cashback for New Customers*)	Maximum Cashback for Existing Customers
   Cashback for Overseas Transaction	5% of total transactions each month (minimum total transactions of IDR 1,000,000 per month)	IDR 300,000 per month	IDR 200,000 per month
   Cashback for Domestic Transactions	5% of total transactions each month (minimum total transactions of IDR 1,000,000 per month)	IDR 200,000 per month	IDR 100,000 per month
   Maximum total Cashback for Overseas Transactions and Cashback for Domestic Transactions		IDR 500,000 per month	IDR 300,000 per month

   *) The maximum cashback for new customers only applies to Overseas Transactions and/or Domestic Transactions made in the same month as the month in which the Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account was opened.
2. The accumulated average balance of all Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts held by the Customer must be at least IDR 5,000,000 (five million rupiah) during the Program Period.
3. If the Customer has more than 1 (one) Danamon LEBIH PRO/Danamon LEBIH PRO iB account, the transactions eligible for cashback are Overseas Transactions and/or Domestic Transactions from all Danamon LEBIH PRO/Danamon LEBIH PRO accounts held by the Customer (accumulated).
2. Danamon LEBIH/Danamon LEBIH iB Cashback Scheme
1. Exclusively for Danamon LEBIH/Danamon LEBIH iB savings account holders, customers are required to make domestic transactions using a Danamon Debit/ATM Card with the GPN and Mastercard logos to receive a 5% cashback with the following conditions:

   Cashback Category	Cashback	Maximum Cashback
   Cashback for Domestic Transactions	5% of total transactions each month (minimum total transactions of IDR 1,000,000 per month)	IDR 100,000 per month

2. The accumulated average balance of all Danamon LEBIH/Danamon LEBIH iB accounts held by the Customer must be at least IDR 5,000,000 (five million rupiah) during the Program Period.
3. If the Customer has more than 1 (one) Danamon LEBIH/Danamon LEBIH iB account, the transactions eligible for cashback are Domestic Transactions from all Danamon LEBIH/Danamon LEBIH iB accounts held by the Customer (accumulated).
3. The program is applicable to customers who conduct transactions in accordance with the General Terms and Conditions of this Program and whose transactions are recorded in the Bank's system during the calculation month in their Danamon LEBIH PRO/Danamon LEBIH PRO iB/Danamon LEBIH/Danamon LEBIH iB account in accordance with the respective schemes in points 4a and 4b.
4. The program does not apply to transactions made via ATM, D-Bank PRO by Danamon, or transactions on e-commerce platforms using direct debit facilities.
5. e. One customer (one CIF) is only eligible for 1 (one) cashback per month during the Program Period.If a Customer has a Danamon LEBIH PRO/Danamon LEBIH PRO iB account and a Danamon LEBIH/Danamon LEBIH iB account (under the same CIF), the Customer is only eligible for 1 Cashback Scheme.
6. If the Customer's Overseas Transactions and/or Domestic Transactions in the Danamon LEBIH PRO/Danamon LEBIH PRO iB account are in accordance with the Danamon LEBIH PRO Cashback Scheme (point C.4.a), the Customer will only receive cashback in accordance with the Danamon LEBIH PRO Cashback Scheme and will not be eligible for the Danamon LEBIH Cashback Scheme, even if they meet the requirements of the Danamon LEBIH Cashback Scheme (point C.4.b). If the Customer's Overseas Transactions and/or Domestic Transactions in their Danamon LEBIH PRO/Danamon LEBIH PRO iB account do not comply with the Danamon LEBIH PRO Cashback Scheme (clause C.4.a), the Customer will not receive cashback under the Danamon LEBIH PRO Cashback Scheme, but the Customer remains eligible for the Danamon LEBIH Cashback Scheme provided they meet the terms and conditions of the Danamon LEBIH Cashback Scheme (Section C.4.b).
5. The average balance of Danamon LEBIH PRO/Danamon LEBIH PRO iB/Danamon LEBIH/Danamon LEBIH iB accounts belonging to Customers participating in this Program is calculated from the 1st to the end of the current month (1 month, from the 1st to the 31st). This calculation involves summing the daily balances (end-of-day balances) over a month, then dividing by the number of days in that month.
6. By conducting transactions in accordance with the terms and conditions of this Program during the Program Period, the Customer is deemed to have read, understood, and agreed to participate in the Program and to be bound by the General Terms and Conditions of the Program. The transactions conducted by the Customer serve as valid proof of the Customer's participation in the Program and the Customer's agreement to be bound by the General Terms and Conditions of the Program.

1. Illustration of New Danamon LEBIH PRO/Danamon LEBIH PRO iB Customers
   
   Customer A opened a Danamon LEBIH PRO savings account on 3 August 2025.
   Customer A meets the minimum average balance requirement for Danamon LEBIH PRO savings accounts (with an average balance of IDR 9,050,000 (nine million fifty thousand rupiah), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:
   
   August 2025
   

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	4 August	IDR 2,000,000*	IDR 100,000	Cashback for Overseas Transactions IDR 300,000* *Even if all Overseas Transactions meet the criteria, the maximum cashback for Overseas Transactions is only IDR 300,000
   Online Overseas Transaction	6 August	IDR 4,000,000*	IDR 200,000
   Domestic Transaction (Petrol Station)	8 August	IDR 4,000,000	IDR 200,000	Domestic Transaction Cashback IDR 200,000* *Even if all Domestic Transactions meet the criteria, the maximum cashback for Domestic Transactions is only IDR 200,000
   Domestic Transaction (Groceries)	15 August	IDR 1,000,000	IDR 50,000
   TOTAL CASHBACK EARNED BY CUSTOMERS (IDR)			Total Cashback IDR 500,000 (The maximum cashback for all Overseas Transactions and Domestic Transactions is IDR 500,000 because the Customer made Overseas Transactions and Domestic Transactions in the same month as the month in which the Danamon LEBIH PRO savings account was opened, which is August).

   *)In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   September 2025
   For The Following month, Customer A is considered as an existing customer, so the maximum cashback amount will different from August 2025. Customer A meets the minimum average balance requirement for Danamon LEBIH PRO savings accounts (with an average balance of IDR 9,050,000 (nine million fifty thousand rupiah), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	3 September	IDR 4,000,000*	IDR 200,000	Cashback for Overseas Transactions IDR 200,000* *Even if all Overseas Transactions meet the criteria, the maximum cashback for Overseas Transactions is only IDR 300,000
   Online Overseas Transaction	7 September	IDR 2,000,000*	IDR 100,000
   Domestic Transaction (Petrol Station)	15 September	IDR 2,500,000	IDR 125,000	Domestic Transaction Cashback IDR 100,000* *Even if all Domestic Transactions meet the criteria, the maximum cashback for Domestic Transactions is only IDR 200,000
   Domestic Transaction (Groceries)	22 September	IDR 1,000,000	IDR 50,000
   TOTAL CASHBACK EARNED BY CUSTOMERS (IDR)			Total Cashback IDR 300,000 (The maximum cashback for all Overseas Transactions and Domestic Transactions is IDR 300,000 because the Customer made Overseas Transactions and Domestic Transactions in the same month as the month in which the Danamon LEBIH PRO savings account was opened, which is August).

   *)In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   October 2025
   Customer A is now an existing customer:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	15 October	IDR 1,500,000*	IDR 75,000	Cashback for Overseas Transactions IDR 105,000
   Online Overseas Transaction	17 October	IDR 600,000*	IDR 30,000
   Domestic Transaction (Petrol Station)	19 October	IDR 500,000	IDR 25,000	Domestic Transaction Cashback IDR 30,000
   Domestic Transaction (Groceries)	21 October	IDR 100,000	IDR 5,000
   TOTAL CASHBACK EARNED BY CUSTOMERS (IDR)			IDR 135,000

   *)In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.


2. Illustration of existing Danamon LEBIH PRO/Danamon LEBIH PRO iB customers
   
   August 2025
   In August 2025, Customer B meets the minimum average balance requirement in the Danamon LEBIH PRO savings account (with an average balance of IDR 5,050,000 (five million fifty thousand), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	3 August	IDR 2,000,000*	IDR 100,000	Cashback for Overseas Transactions IDR 200,000
   Overseas Transaction	5 August	IDR 500,000*	IDR 25,000
   Overseas Transaction	5 August	IDR 2,000,000	IDR 100,000
   Payment to Restaurant	11 August	IDR 200,000	None, as it does not fall under the Merchant Eligible category.	Domestic Transaction Cashback IDR 100,000
   Domestic Transaction (Petrol Station)	12 August	IDR 600,000	IDR 30,000
   Domestic Transaction (Groceries)	15 August	IDR 1,500,000	IDR 75,000
   TOTAL CASHBACK EARNED BY CUSTOMERS (IDR)			IDR 300,000 (maximum Cashback of IDR 300,000, so customers will only receive Cashback of IDR 300,000)

   *) In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   September 2025
   In August 2025, Customer C meets the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 5,050,000 (five million fifty thousand), but does not meet the minimum requirements for accumulated Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	3 September	IDR 100,000*	IDR 5,000	N/A
   Overseas Transaction	5 September	IDR 100,000*	IDR 5,000
   Payment to Restaurant	11 September	IDR 200,000	None, as it does not fall under the Merchant Eligible category.	N/A
   Domestic Transaction (Petrol Station)	12 September	IDR 500,000	IDR 25,000
   TOTAL CASHBACK EARNED BY CUSTOMER (IDR)			N/A (Due to the accumulated transaction amount being less than IDR 1,000,000 in the calculation month, the customer will not receive Cashback)

   *) In IDR using the daily exchange rate, for September 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   October 2025
   In October 2025, Customer D did not meet the minimum average balance requirement for the Danamon LEBIH PRO iB savings account (with an average balance of IDR 300,000 (three hundred thousand rupiah) calculated from 1 August to 31 August 2025), but Customer D met the minimum requirement for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card amounting to IDR 1,000,000 (one million rupiah). The customer is not eligible for cashback because the average balance is less than IDR 5,000,000 (five million rupiah).
3. Illustration of Danamon LEBIH /Danamon LEBIH iB customers
   August 2025
   In August 2025, Customer E meets the minimum average balance requirement in the Danamon LEBIH savings account (with an average balance of IDR 8,000,000 (eight million rupiah), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	3 August	IDR 2,000,000*	N/A	Overseas Transaction Cashback N/A
   Overseas Transaction	5 August	IDR 500,000*	N/A
   Overseas Transaction	5 August	IDR 2,000,000*	N/A
   Payment to Restaurant	11 August	IDR 200,000	None, as it does not fall under the Merchant Eligible category.	Domestic Transaction Cashback IDR 100,000
   Domestic Transaction (Petrol Station)	12 August	IDR 600,000	IDR 30,000
   Domestic Transaction (Groceries)	15 August	IDR 1,500,000	IDR 75,000
   TOTAL			Total Cashback IDR 100,000 (maximum Cashback is IDR 100,000, so customer will only receive Cashback of IDR 100,000)

   *) In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
4. Illustration of a customer with a Danamon LEBIH PRO/Danamon LEBIH PRO iB and Danamon LEBIH/Danamon LEBIH iB savings account.
   Customer F (existing customer) has a Danamon LEBIH PRO iB savings account and a Danamon LEBIH iB savings account. In this case, transactions in the Danamon LEBIH PRO iB account will be taken into account first.
   
   In August 2025, Customer F meets the minimum average balance requirement in the Danamon LEBIH PRO iB savings account (with an average balance of IDR 29,000,000 (twenty-nine million rupiah), but does not meet the minimum requirement for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	4 August	IDR 150,000	N/A	- Not eligible because minimum transaction amount not met
   Overseas Transaction	5 August	IDR 200,000	N/A
   Payment to Restaurant	11 August	IDR 200,000	None, as it does not fall under the Merchant Eligible category.	- Not eligible because minimum transaction amount not met
   Domestic Transaction (Petrol Station)	12 August	IDR 350,000	N/A
   TOTAL CASHBACK EARNED BY CUSTOMER (IDR)			-

   *) In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   Customer F does not meet the minimum transaction accumulation criteria (less than IDR 1,000,000), so Customer F will not receive Danamon LEBIH PRO Cashback, and subsequently Customer F's Danamon LEBIH savings account will be calculated according to the Danamon LEBIH Cashback Scheme.
   
   In August 2025, Customer F meets the minimum average balance requirement in the Danamon LEBIH savings account (with an average balance of IDR 10,000,000 (ten million rupiah), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:
   
   Program Scheme Period: 01 August 2025 – 28 February 2026

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	3 August	IDR 2,000,000*	N/A	Overseas Transaction Cashback N/A
   Overseas Transaction	5 August	IDR 500,000*	N/A
   Overseas Transaction	5 August	IDR 2,000,000*	N/A
   Payment to Restaurant	11 August	IDR 200,000	None, as it does not fall under the Merchant Eligible category.	Domestic Transaction Cashback IDR 100,000
   Domestic Transaction (Petrol Station)	12 August	IDR 600,000	IDR 41,400
   Domestic Transaction (Groceries)	15 August	IDR 1,500,000	IDR 103,500
   TOTAL CASHBACK EARNED BY CUSTOMER (IDR)			IDR 100,000 (maximum Cashback is IDR 100,000, so customer will only receive Cashback of IDR 100,000)

   *) In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   Illustration of Danamon LEBIH PRO iB Meeting the Criteria
   
   Customer G (existing customer) has a Danamon LEBIH PRO iB savings account and a Danamon LEBIH iB savings account. In this case, transactions in the Danamon LEBIH PRO iB account will be calculated first.
   
   In August 2025, Customer G meets the minimum average balance requirement in the Danamon LEBIH PRO iB savings account (with an average balance of IDR 29,000.000 (twenty-nine million rupiah), and meets the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Debit/ATM Card, with the following details:

   Type of Transaction	Transaction Date	Transaction Nominal (IDR)	5% Cashback per transaction (IDR)	Cashback that the Customer Earns (IDR)
   Overseas Transaction	4 August	IDR 1,500,000*	IDR 75,000	Cashback for Overseas Transactions IDR 175,000 *Even if all overseas transactions meet the criteria, the maximum cashback for overseas transactions is only IDR 200,000.
   Overseas Transaction	5 August	IDR 2,000,000*	IDR 100,000
   Domestic Transaction (Groceries)	13 August	IDR 500,000	IDR 25,000	Domestic Transaction Cashback IDR 75,000 *Even if all Domestic Transactions meet the criteria, the maximum Domestic Transaction cashback is only IDR 100,000
   Domestic Transaction (Petrol Station)	19 August	IDR 1,000,000	IDR 50,000
   TOTAL CASHBACK EARNED BY CUSTOMER (IDR)			IDR 250,000

   *) In IDR using the daily exchange rate, for August 2025, the exchange rate will use the daily exchange rate on the relevant transaction date.
   Example: The average exchange rate of 1 USD is IDR 16,000.
   
   Customer G meets the minimum transaction accumulation criteria and will receive Danamon LEBIH PRO iB Cashback of IDR 250,000 (two hundred fifty thousand rupiah), and even though there are transactissons that meet the requirements of the Danamon LEBIH iB Cashback Scheme, transactions on Danamon LEBIH iB products are not counted because a customer can only receive 1x cashback scheme per month.

1. Cashback for the Danamon LEBIH PRO/ Danamon LEBIH PRO iB scheme, will only be credited to the customer’s active Danamon LEBIH PRO/ Danamon LEBIH PRO iB Rupiah currency account at the time of cashback disbursement, if a customer has more than one Danamon LEBIH PRO/ Danamon LEBIH PRO iB account, the cashback will be credited to the account with the largest accumulated transacation value.
2. Cashback for the Danamon LEBIH / Danamon LEBIH iB scheme, will only be credited to the customer’s active Danamon LEBIH/ Danamon LEBIH iB account at the time of cashback disbursement, if a customer has more than one Danamon LEBIH / Danamin LEBIH iB account, the cashback will be credited to the account with the largest accumulated transaction value
3. Cashback for overseas transactions will be provided in Rupiah (converted beforehand according to the exchange rate applicable at Bank Danamon for the month of the transaction)
4. The Cashback will be credited a maximum of 30 (thirty) business days after the last day of the program period.
5. Bank Danamon will remit any applicable tax deductions arising (if any) from the cashback to Tax Authority. All matters related to the calculation and reporting of taxes on the cashback received by the customer are entirely the customer’s responsibility (self-assessment basis)

1. Customers can file complaints regarding banking transactions/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
2. For complete procedures and mechanisms regarding customer complaint services, please refer to the official Bank Danamon website accessible via the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah. 

1. The transaction verification process is the sole authority of Bank Danamon.
2. These General Terms and Conditions form an integral part of the “General Terms and Conditions for Accounts and Banking Services”, “General Terms and Conditions for Sharia Accounts and Banking Services”, “General Terms and Conditions for Danamon Debit/ATM Cards”, “General Terms and Conditions for Danamon LEBIH PRO Savings”, “General Terms and Conditions for Danamon LEBIH PRO iB Savings”, “General Terms and Conditions for Danamon LEBIH Savings”, and “General Terms and Conditions for Danamon LEBIH iB Savings”. In the event of any discrepancy or conflict between the provisions of these General Terms and Conditions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
3. The Customer hereby agrees and acknowledges that Bank Danamon has the right to amend/change/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions of the Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms, and conditions based on the General Terms and Conditions of the Program, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have accepted the changes if the Customer does not submit an objection within the aforementioned period. If the Customer does not accept the changes, the Customer has the right to cancel their participation in the Program after first settling all of the Customer's obligations to Bank Danamon (if any).
4. The Customer declares that there are no and will be no transactions that are suspected of money laundering and/or other transactions that are not permitted under the laws and regulations applicable in Indonesia.
5. If there are indications of fraud, misconduct, transaction irregularities, unusual transactions, indications of money laundering, and/or actions that are not in accordance with applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel the Customer's participation in the Program, and/or revoke the Cashback for the relevant Customer. The Customer remains obligated to settle all outstanding obligations to Bank Danamon (if any).
6. If any provision of these General Terms and Conditions of the Program is prohibited or cannot be enforced or becomes invalid or is declared null and void by a government regulation or court decision, such provision shall not affect the validity of the other provisions of these General Terms and Conditions of the Program, and the other provisions shall remain valid and binding and enforceable as provided in these General Terms and Conditions of the Program.
7. The General Terms and Conditions of this Program have been adjusted to comply with applicable laws and regulations, including the regulations of the Financial Services Authority and the interest guarantee provisions under the regulations of the Deposit Insurance Corporation.
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Deposit Insurance Corporation.