D-Point FAQ

Q = Question, A = Answer

 

Q: What is D-Point?

A: D-Point is a point reward program for all banking activities conducted by the customer. It is a loyalty program launched by Danamon to reward the customer’s loyalty. The D-Point accumulation and calculation is conducted automatically by the system based on the banking activities of the customer through various products of Danamon, which is calculated with point matrix set by the Danamon. Customer can accumulate points earned through several products if the products registered under a single customer identification number. The earned D-Point can be directly redeemed with various prizes or merchandises through various redemption channels provided by Bank Danamon, including https://www.danamonline.com

 

Q:How to participate in the program?

A:All Bank Danamon customers will automatically participate in the program in accordance with the terms and conditions set by the Bank.

 

Q:When do customer participate in this program?

A:The customer’s participation is started when the program is launched or when the customer opens an account for any products in Bank Danamon.

 

Q:When does the customer’s participation end?

A:The customer’s participation will be automatically ended if the customer is no longer having an account in Bank Danamon or if the customer is prohibited by the Bank to earn or redeem the D-Point for manipulating D-Point collection or violating other banking regulations. In this regard, Bank Danamon is fully entitled to cancel the customer's participation.

 

Q:Does D-Point have an expiry date?

A:Yes. It is valid for 3 (three) years since D-Point is earned/converted/migrated.

 

Q:How if D-Point has expired?

A:D-Point will be automatically forfeited and cannot be redeemed to any D-Point reward

 

Q:How if the customer closes all accounts but D-Point is still valid?

A: D-Point will be automatically forfeited. It is advisable to redeem the D-Point before closing the accounts. It is also applicable for the accounts closed by the bank (involuntary closed such as dormant zero balance, etc.).

 

Q:What are the criteria for the customer to participate in the program?

A:

  • Individual Customer of Consumer & SME Banking
  • Have at least one active/open account in CIF
  • Not in the list of fraud/arrears/other violations

 

Q:What are the products included in the program?

A:

  • Debit Card (Regular & Manchester United)
  • E-channel (ATM, Danamon Online Banking, D-Mobile, Danamon SMS Banking & Cash Deposit Machines)
  • Housing Loan
  • Personal Loan/Non-Collateral Loan/Instant Funds
  • Bancassurance (PPM, PPRO, PPRA, PPE, Primajaga100, PPA)
  • Mutual Funds (Mutual Fund & DRIP except money market funds)
  • SME Lending (KRK, KAB & KB)

 

Q:How the point is calculated?

A:The "D-Point" point will be calculated based on a basis point calculation matrix. The points will be calculated and collected in the system of the customer's accounts with one CIF number.

 

Q:How is the point calculation matrix?

A:           

Product

Sub Product

Type of Transaction/Activity

Total D-Point

Debit Card

- Regular

- Manchester United

Every purchase of Rp7,500 at POS.

1 D-Point

E-Channel

- ATM

- Danamon Online Banking

- Danamon Mobile Banking

- Danamon SMS Banking

- Cash Deposit Machines

Financial transaction (transfer/payment/purchase) at least 5 times each month through Danamon channel.

250 D-Points

E-Channel

- Danamon Online Banking

- Danamon Mobile Banking

- Danamon SMS Banking

DOB Registration/D-Mobile/SMS Banking with first financial transaction (transfer/payment/purchase) in registered channel conducted in the same month.

500 D-Points

Housing Loan

- Housing Loan

- KMG

Every Housing Loan disbursement of minimum Rp500 million. The points are calculated for every transaction of Rp1 million.

10 D-Points

Non-Collateral Loan/Instant Funds

- Non-Collateral Loan

-Dana Instant

Every Non-Collateral Loan disbursement of minimum Rp25 million. The points are calculated for every transaction of Rp1 million.

50 D-Points

Bancassurance

Proteksi Prima Maxiplus

Every new purchase of minimum premium of Rp 100 million. The points are calculated for every transaction of Rp1 million.

100 D-Points

Bancassurance

-Proteksi Prima Rencana Optima

-Proteksi Prima Rencana Absolut

-Proteksi Prima Emas

Every new purchase of minimum annual premium equivalent (APE) of Rp12 million. The points are calculated for every transaction of Rp1 million. The points are given once in the first debit transaction.

1,000 D-Points

Bancassurance

-Primajaga 100

-Poteksi Prima Amanah

Every new purchase of minimum premium of Rp200,000. The points are calculated for every transaction of Rp1,000.

1.25–Points

Mutual Funds

- Mutual Fund

- DRIP

Every purchase of Mutual Fund & DRIP Debit transaction of minimum Rp1 million. The points are calculated in multipliy. Does not applicable for money market mutual funds products.

20 D-Points

SME Products

-Overdraft Loan (Kredit Rekening Koran)

-Term Installment Loan (Kredit Angsuran Berjangka)/Shophouse Financing (Kredit Kepemilikan Tempat Usaha)

-DemandLoan (Kredit Berjangka)

Every SME product disbursement of minimum Rp500 million. The points are calculated for every transaction of Rp1 million.

25 D-Points

 

Q:Will customers earn D-Point for every Debit Card transaction conducted overseas?

A:Yes. D-Point is calculated based on nominal spending in rupiah currency converted from the original currency. The foreign exchange rates are based on the prevailing exchange rates at Bank Danamon.

 

Q:How the D-Point is calculated for Bancassurance products?

A:It is based on the premium purchase which the insurance policy has been issued.

 

Q:Should there be any insurance premium cancellation after the policy has been issued, will the customers still earn D-Point?

A:If the policy has been issued and the funds have been received, then D-Point will still be rewarded.

 

Q:How about the premium included in the unit-link products like PPM?

A:D-Point is calculated based on the total premium paid, it does not take into account the investment portion and the insurance.

 

Q:If the customer’s Non-Collateral Loan is in arrear, will D-Point still be rewarded?

A:D-Point for the KTA will still be given as it is based on the first disbursement. Yet, D-Point cannot be redeemed until the arrear has been settled.

 

Q:How if a customer owns 2 (two) CIFs?

A:The customer will be considered as two different customers. And D-Point in each CIF cannot be combined.

 

Q:How if a customer still has the CIF but all the accounts have been closed?

A:The customer is not eligible for the program. And all D-Point earned will be automatically forfeited.

 

Q:What is the mechanism of combining D-Point of a joint account?

A:D-Point will be calculated and collected for the first CIF of either AND or OR joint account.

 

Q:How to redeem D-Point?

A:Currently there are two channels to redeem D-Point:

ttps://www.danamonline.com

Hello Danamon

 

Q:How to redeem D-Point via website?

A:

a.Open https://www.danamonline.com

b.Input customer’s credentials:

  • Account or Debit Card  Number
  • Date of Birth (DD/MM/YYYY), and
  • Mobile phone number, without "0" or "62" prefix (example: 812XXXXXXX)

c.Enter the OTP code sent to mobile phone number registered in the bank’s system.

d.Choose prize/items/ gifts/flight ticket/hotel in web redemption according to the customer’s total D-Point.

e.Confirm to redeem.

f.The customer will receive point redemption notification via email registered in the bank’s system.

 

Q:How to redeem D-Point via Hello Danamon?

A:

a.Call Customer Care Hello Danamon 1 500 090.

b.Verify the customer’s data according to the provisions applicable to the transaction level.

c.Hello Danamon officer will open the point redemption page and will redeem the D-Points on behalf of the customer.

d.Select Redeem D-Point menu.

e.Input customers’ credentials: 

  • Account/Debit Card Number
  • Date of Birth (DD/MM/YYYY) and
  • Mobile phone number, without "0" or "62" prefix (example: 812XXXXXXX)

f.Choose prize/items/ gifts/flight ticket/hotel in web redemption according to the customer’s total D-Point.

g.Confirm the transaction by informing the customer’s gift/item and total redeemed D-Points. Proceed when the customer agrees.

h.The customer will receive point redemption notification via email registered in the bank’s system.

 

Q:What are the differences between D-Point redemption through website and Hello Danamon?

A:           

About

Website

Hello Danamon

Prize Selections

All categories (Travel & Non-Travel)

Only Non-Travel

Tariff

Free

Charged:

i.2,500 D-Points to redeem up to 100,000 D-Points

ii.5,000 D-Points to redeem above 100,000 D-Points

Prize Delivery Address

Can be delivered to another address in addition to the address registered in the bank’s system.

Can only be delivered to the address registered in the bank’s system.

 

Q:What are the prizes/items that can be redeemed with D-Point?

A:There are three prize categories:

  • Travel, rewards category related to travel such as flight tickets from over 9000 airlines, reservation at over 450.000 hotels, car rental in over 150 cities, etc.
  • Non-Travel, rewards category in the form of goods/ services such as gadgets, electronic, home appliance, merchandise MU, fee waiver, magazines/TV services, etc.
  • Voucher, a specific category in the form of physical or electronic voucher such as shopping vouchers, hotel vouchers, pulses vouchers and other vouchers.

Q:Can the redeemed D-Point be canceled?

A:No, it cannot.

 

Q:What if the item received does not match the order?

A:Contact Danamon Costumer Care Hello Danamon for any inconvenience, Danamon will help you to follow up your report to the vendor.

 

Q:How long will the prize delivery take?

A:The delivery depends on the type of goods, origin and delivery addresses, considering that the items may be sent from abroad.

Overall, the delivery will take between 14 and 30 working days.

 

Q:How to file a complaint?

A:The complaint on point redemption through Hello Danamon 1 500 090 must be filed by at least two (2) weeks after the redemption.