Danamon Turns #WacanaJadiNyata for Millennials Through the Mastercard Platinum Credit Card

Press Release / 19 June 2025

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The Mastercard Platinum Credit Card helps turn #WacanaJadiNyata with a range of benefits, including cashback promotions, 0% installment plans, utility bill discounts, and flexible credit limit transfers.

Jakarta, 19 June 2025 – The millennial generation is known as a fast-paced, tech-savvy cohort, actively engaged in financial planning. However, many millennials remain unfamiliar with the benefits and conveniences offered by financial instruments such as credit cards. To address this challenge, PT Bank Danamon Indonesia Tbk (Danamon), a company with a focus on being customer-centric and a financial solution provider, offers the Danamon Mastercard Platinum Credit Card—specifically designed to help the millennial generation manage household expenses and turn #WacanaJadiNyata (plan into reality).

“Danamon understands that the Millennial Generation needs a financial instrument that not only serves as a means of payment but also helps them manage their finances effectively. However, we are also aware that there is still widespread misinformation about the function and use of credit cards. In reality, as a non-cash payment instrument provided by banking institutions, credit cards can simplify transactions for various needs. When used wisely, they can be a vital tool in building long-term financial health,” said Enriko Sutarto selaku Consumer Lending Business Head Danamon.

Data from BPS-Statistics Indonesia indicates that 24.6% of Indonesia’s 47.85 million middle-class population are millennials. This generation, born between 1981 and 1996, consists predominantly of active workers (69%), followed by housewives (30%), and a small proportion of unemployed individuals (1%). According to the 2024 Global Loyalty Indonesia research, millennials tend to prioritize their income for essential needs, including food, routine bills, transportation, and education—including for their children.

Credit cards can serve as an ideal solution for managing personal finances, as they not only simplify transactions but also support cash flow management and offer added value through various loyalty programs. Despite these benefits, credit card penetration in Indonesia remains very low—only around 5%—significantly lagging behind countries like Thailand (approximately 35%) and Malaysia (around 30%). A study by Jakpat and Lintar Financial revealed that 55% of millennials do not own any loan products, and 79% have never participated in financial planning training.

Danamon views this gap as an opportunity to offer targeted solutions. The Danamon Mastercard Platinum Credit Card is not only designed to facilitate seamless transactions but also equipped with features tailored to the lifestyle and financial needs of the Millennial Generation.

“We don’t just offer products—we also take an active role in improving the financial literacy of the Millennial Generation. We hope through the products and educational initiatives provided by Danamon, people can use credit cards wisely and effectively. When used with proper understanding, credit cards can unlock promotions, discounts, and cashback that can be allocated to other expenses—helping us to turn #WacanaJadiNyata,” said Enriko.

The Danamon Mastercard Platinum Credit Card offers a range of benefits specifically designed to support the Millennial lifestyle, including:

• Cashback of Rp300,000 for new customers with a minimum transaction of Rp1 million over two months.
• 5% savings on routine bill payments.
• 0% instalment plans for up to 36 months on essential purchases such as groceries, dining, and family lifestyle needs—applicable at participating merchants that accept credit card payments.
• Seamless integration with the D-Bank PRO application for QRIS transactions.
• Flexibility to transfer the remaining credit limit to a personal account for urgent needs.

This credit card was developed by Danamon with considering the millennial generation’s shopping patterns, which emphasize value and convenience. As such, it serves as an ideal solution for transactions at supermarkets, restaurants, e-commerce platforms, and various other merchants that accept credit card payments.

Danamon not only offers financial products but is also committed to educating customers on the responsible use of credit cards. Disciplined customers who consistently pay their bills on time can benefit from improved credit scores, lower interest rates, and the establishment of a positive credit history— an important aspect for meeting future financial needs.

“We present the Danamon Mastercard Platinum Credit Card to help customers turn #WacanaJadiNyata—starting from paying routine bills, addressing emergency needs, purchasing daily necessities, planning dream vacations, or creating meaningful moments with loved ones. This aligns with Danamon’s commitment to being a customer-centric financial solutions provider,” concluded Enriko.

For more information about the Danamon Mastercard Platinum Credit Card, please visit bdi.co.id/mcplat bdi.co.id/mcplat or contact the Danamon Call Center at 1-500-090.

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