5% Cashback from Danamon LEBIH/Danamon LEBIH PRO

This program is open to program participants who meet the following criteria ("Program Participants"):

1. Customers holding Danamon Lebih PRO/Danamon Lebih PRO iB and Danamon Lebih/Danamon Lebih iB savings accounts who make transactions using Danamon Debit/ATM Cards with the GPN and Mastercard logos.
2. Not applicable to Danamon Bank Privilege Customers.

1. Program Participants must read and understand the General Terms and Conditions of the Program.
2. Bank Danamon reserves the right to refuse participation of any Program Participant who does not meet the General Terms and Conditions of the Program.
3. Program Participants 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:
   • Danamon LEBIH PRO/Danamon LEBIH PRO iB Cashback Scheme
     1. Exclusively for Program Participants holding a Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account, Program Participants must make purchases at any merchant, whether offline or online, located overseas (“Overseas Transactions”), and/or make purchases at merchants registered with Mastercard as petrol station merchants, Groceries and/or Food & Beverages offline or online (“Eligible Merchants”) located within the country (“Domestic Transactions”) to receive a 5% cashback subject to the terms set out in the following table:

        Cashback Category	Merchant Category	Applicable Card	Maximum Cashback for New Program Participants*)	Cashback for Existing Program Participants
        Overseas Transaction Cashback	All Merchants	Debit Card/Danamon ATM with the Mastercard Logo	IDR 300,000.00 monthly	IDR 200,000.00 monthly
        Domestic Transaction Cashback	Petrol Stations & Groceries	Debit Card/Danamon ATM with the GPN and Mastercard Logo	IDR 200,000.00 monthly	IDR 100,000.00 monthly
        	Food & Beverages (only between the 25th to 31st of each month)	Debit Card/Danamon ATM Global Currency Card**)
        Maximum total cashback for overseas transactions and domestic transactions			IDR 500,000.00 monthly	IDR 300,000.00 monthly

        *) The maximum cashback for new Program Participants 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.

        **) Danamon Global Currency Card debit/ATM cards bearing the Mastercard logo, with the first 6 digits of the card number being: 541143

     2. The accumulated average balance of all Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts held by the Program Participant must be at least IDR 5,000,000 (five million rupiah) during the Program Period.
     3. The minimum total accumulated transactions carried out by the Program Participant must be IDR 3,000,000.00 (three million rupiah) in Overseas and/or Domestic transactions each month.
     4. If the Program Participant 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 Program Participant (accumulated).
   • Danamon LEBIH/Danamon LEBIH iB Cashback Scheme
     1. Specifically for Program Participants who own Danamon Lebih/Danamon Lebih iB savings, Program Participants are required to make purchase transactions at merchants registered with Mastercard as gas station merchants, and/or groceries located within the country (“Domestic Transactions”) to get a cashback of 5% with the following conditions:

        Cashback Category	Merchant Category	Applicable Card	Maximum Cashback for Program Participants
        Domestic Transaction Cashback	Petrol Stations & Groceries	Danamon Debit/ATM Cards with the GPN and Mastercard logos	IDR 100,000.00 monthly

     2. The accumulated average balance of all Danamon LEBIH/Danamon LEBIH iB accounts held by the Program Participant must be at least IDR 10,000,000.00 (ten million rupiah) during the Program Period.
     3. The minimum total accumulated transactions made by Program Participants is IDR 1,000,000.00 (one million rupiah) in Overseas and/or Domestic Transactions each month.
     4. If a Program Participant has more than 1 (one) Danamon Lebih/Danamon Lebih iB account, the transactions counted towards cashback are Overseas and/or Domestic Transactions from all Danamon Lebih PRO/Danamon Lebih PRO accounts held by the Program Participant (accumulated).
   • The program is applicable to Program Participants 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.
   • 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.
   • One Program Participant (one CIF) is only eligible for 1 (one) cashback per month during the Program Period.If a Program Participant has a Danamon LEBIH PRO/Danamon LEBIH PRO iB account and a Danamon LEBIH/Danamon LEBIH iB account (under the same CIF), the Program Participant is only eligible for 1 Cashback Scheme.
   • If the Program Participant'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 Program Participant 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 Program Participant'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 Program Participant will not receive cashback under the Danamon LEBIH PRO Cashback Scheme, but the Program Participant 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)class=""
5. By conducting transactions in accordance with the terms and conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Program Terms and Conditions. Transactions conducted by Program Participants constitute valid evidence of their participation in the Program and their agreement to be bound by the General Program Terms and Conditions.
6. Bank Danamon does not charge any fees for the Program.

1. Program Participants who have fulfilled the Program’s Terms and Conditions are entitled to receive the rewards as stipulated under the Program (“Rewards”).
2. Cashback for the Danamon LEBIH PRO / Danamon LEBIH PRO iB Cashback Scheme will only be credited to the Participant’s Danamon LEBIH PRO / Danamon LEBIH PRO iB account in Indonesian Rupiah currency that is active at the time of cashback disbursement. If a Program Participant has more than one (1) Danamon LEBIH PRO / Danamon LEBIH PRO iB account, the cashback will be credited to the account with the highest cumulative transaction amount.
3. Cashback for the Danamon LEBIH / Danamon LEBIH iB Cashback Scheme will only be credited to the Participant’s Danamon LEBIH / Danamon LEBIH iB account that is active at the time of cashback disbursement. If a Program Participant has more than one (1) Danamon LEBIH / Danamon LEBIH iB account, the cashback will be credited to the account with the highest cumulative transaction amount.
4. 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)
5. The Cashback will be credited a maximum of 30 (thirty) business days after the last day of the program period.
6. Bank Danamon applies the prevailing tax regulations applicable to this Program. Any tax obligations arising from the Program (if any) shall be the responsibility of Bank Danamon and the Customer in accordance with applicable tax regulations.
7. Illustration of reward distribution:
   1. illustration of a New Danamon LEBIH PRO/Danamon LEBIH PRO iB Customer
      

      Customer A opened a Danamon LEBIH PRO Savings Account on 3 May 2026.
      Customer A meets the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 6,500,000 (six million five hundred thousand rupiah)) and meets the minimum cumulative requirement for Overseas Transactions and Domestic Transactions of IDR 3,000,000 (Three million rupiah) at Eligible Merchants, using the Danamon Global Currency Card, with the following details:

      
      May 2026
      

      Type of Transaction	Transaction Date	Transaction Amount	5% Cashback per transaction	Cashback obtained by Customer
      Overseas Transaction	4 May	IDR 2,000,000	IDR 100,000	Overseas Transaction Cashback IDR 300,000
      Overseas Online Transaction	6 May	IDR 4,000,000	IDR 200,000
      Domestic Transaction (Petrol Station)	8 May	IDR 4,000,000	IDR 200,000	Domestic Transaction Cashback IDR 200,000* *Although all domestic transactions meet the criteria, the maximum cashback for domestic transactions is IDR 200,000
      Domestic Transaction (Groceries)	15 May	IDR 1,000,000	IDR 50,000
      Domestic Transaction (F&B)	31 May	IDR 300,000	IDR 15,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			Total Cashback IDR 500,000 (The maximum cashback on all overseas and domestic transactions is IDR 500,000, as the customer carried out overseas and domestic transactions in the same month as the opening of their Danamon LEBIH PRO savings account, namely May).

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      June 2026
      

      In the following month, Customer A is now an existing customer, so the maximum cashback limit differs from that in May 2026. Customer A meets the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 5,500,000.00 (five million five hundred thousand rupiah)) and meets the minimum cumulative spending requirement of IDR 3,000,000 at Eligible Merchants, using the Danamon Global Currency Card, with the following details:

      Type of Transaction	Transaction Date	Transaction Amount	5% Cashback per transaction	Cashback obtained by Customer
      Overseas Transaction	3 June	IDR 3,000,000	IDR 150,000	Overseas Transaction Cashback IDR 200,000* *Although all domestic transactions meet the criteria, the maximum cashback for overseas transactions is only IDR 200,000
      Overseas Online Transaction	7 June	IDR 2,000,000	IDR 100,000
      Overseas F&B Transaction	8 June	IDR 1,000,000	IDR 50,000
      Domestic Transaction (Petrol Station)	15 June	IDR 500,000	IDR 25,000	Domestic Transaction Cashback IDR 100,000* *Although all domestic transactions meet the criteria, the maximum cashback for overseas transactions is only IDR 200,000
      Domestic Transaction (F&B)	26 June	IDR 500,000	IDR 25,000
      Domestic Transaction (Groceries)	28 June	IDR 1,500,000	IDR 75,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			Total Cashback IDR 300,000 (The maximum cashback on all overseas and domestic transactions is IDR 300,000)

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      July 2026
      

      Customer A is an existing customer and meets the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 8,000,000.00 (eight million rupiah) but does not meet the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions at Eligible Merchants, using the Danamon Global Currency Card, with the following details:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)	Cashback obtained by Customer (IDR)
      Overseas Transaction	15 July	IDR 1,500,000	IDR 75,000	N/A
      Overseas Online Transaction	17 July	IDR 600,000	IDR 30,000
      Domestic Transaction (Petrol Station)	19 July	IDR 500,000	IDR 25,000
      Domestic Transaction (Groceries)	21 July	IDR 100,000	IDR 5,000
      Domestic Transaction (F&B)	22 July	IDR 300,000	None, as there were no transactions between 25 and 30 July
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			N/A Not eligible for cashback because the total accumulated transactions at eligible merchants do not meet the minimum transaction accumulation requirement.

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      
   2. Illustration of A Danamon LEBIH PRO/Danamon LEBIH PRO iB Existing Customer
      
      August 2026
      

      In August 2026, Customer B meets the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 8,000,000.00 (eight million rupiah)), and met the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using a Danamon Bank Debit/ATM Card bearing the Mastercard logo (BIN No: 557791), with the following details:

      Type of Transaction	Transaction Date	Transaction Amount	5% Cashback per transaction
      Overseas Online Transaction	10 August	IDR 1,500,000	IDR 75,000
      Domestic Transaction (Groceries)	17 August	IDR 1,000,000	IDR 50,000
      Domestic Transaction (Petrol Station)	17 August	IDR 500,000	IDR 25,000
      Domestic Transaction (F&B)	19 August	IDR 500,000	None, as the transaction did not use the Danamon Global Currency Card
      Domestic Transaction (F&B)	27 August	IDR 800,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)		IDR 150,000 (Overseas Cashback of IDR 75,000 and Domestic Cashback of IDR 75,000)

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      September 2026
      

      In September 2026, Customer C met the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 20,000,000.00 (twenty million rupiah)), and met the minimum requirements for the accumulation of overseas and domestic transactions using the Danamon Global Currency Card, as detailed below:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)
      Overseas Transaction	2 September	IDR 3,000,000	IDR 150,000
      Overseas Transaction	3 September	IDR 4,000,000	IDR 200,000
      Overseas Online Transaction	7 September	IDR 2,000,000	IDR 100,000
      Domestic Transaction (Petrol Station)	15 September	IDR 500,000	IDR 25,000
      Domestic Transaction (F&B)	17 September	IDR 200,000	None, as there were no transactions between 25 and 30 September
      Domestic Transaction (F&B)	30 September	IDR 500,000	IDR 25,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)		IDR 250,000 (The maximum cashback for overseas transactions is IDR 200,000, and the cashback for domestic transactions is IDR 50,000)

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      October 2026
      

      In October 2026, Customer D did not meet the minimum average balance requirement for the Danamon LEBIH PRO iB savings account (with an average balance of IDR 300,000.00 (three hundred thousand rupiah)), however, Customer D met the minimum requirement for the cumulative total of Overseas Transactions and Domestic Transactions using a Danamon Bank Debit/ATM Card, amounting to IDR 3,000,000 (three million rupiah). The customer is not entitled to a cashback as the average balance is less than IDR 5,000,000 (five million rupiah).

   3. Illustration of Danamon LEBIH /Danamon LEBIH iB Customer
      
      August 2026
      

      In August 2026, Customer E met the minimum average balance requirement for the Danamon LEBIH PRO savings account (with an average balance of IDR 10,000,000.00 (ten million rupiah)), and met the minimum requirement for the accumulation of domestic transactions using a Bank Danamon debit/ATM card, with the details as follows:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)	5% Cashback (Rupiah)
      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
      Domestic Transaction (F&B)	11 August	IDR 200,000	None, as it does not fall under the Eligible Merchant category	Domestic Transaction Cashback 100,000
      Domestic Transaction (Petrol Station)	12 August	IDR 600,000	30,000
      Domestic Transaction (Groceries)	15 August	IDR 1,500,000	75,000
      TOTAL			Total Cashback 100,000 (The maximum cashback is IDR 100,000, so customers will only receive a cashback of IDR 100,000)

      
      
   4. Illustration: A customer holds Danamon LEBIH PRO/Danamon LEBIH PRO iB and Danamon LEBIH/Danamon LEBIH iB savings accounts
      

      Customer F (an existing customer) holds a Danamon LEBIH PRO iB and a Danamon LEBIH savings account. In this case, transactions in the Danamon LEBIH PRO iB account will be taken into account first.

      
      

      In August 2026, Customer F meets the minimum average balance requirement for the Danamon LEBIH PRO iB savings account (with an average balance of Rp29,000,000.00 (twenty-nine million rupiah), but did not meet the minimum requirements for the accumulation of Overseas Transactions and Domestic Transactions using the Danamon Bank Debit/ATM Card, with the following details:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)	Cashback Obtained by Customer (IDR)
      Overseas Transaction	4 August	IDR 150,000	N/A	Not eligible as the minimum transaction amount has not been met
      Overseas Transaction	5 August	IDR 200,000	N/A
      Domestic Transaction (F&B)	11 August	IDR 200,000	None, as it does not fall under the Eligible Merchant category	Not eligible as the minimum transaction amount has not been met
      Domestic Transaction (Petrol Station)	12 August	IDR 350,000	N/A
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			-

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      

      Customer F does not meet the minimum transaction accumulation criteria (less than IDR 3,000,000.00), so Customer F will not receive the Danamon LEBIH PRO iB Cashback, and Customer F's Danamon LEBIH savings account will subsequently be assessed in accordance with the Danamon LEBIH Cashback Scheme.

      In August 2026, Customer F met the minimum average balance requirement for the Danamon LEBIH savings account (with an average balance of IDR 10,000,000.00 (ten million rupiah)), and met the minimum requirement for the accumulation of Domestic Transactions using a Danamon Bank Debit/ATM Card, with the following details:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)	5% Cashback (Rupiah)
      Domestic Transaction (F&B)	11 August	IDR 200,000	None, as it does not fall under the Eligible Merchant category	Domestic Transaction Cashback 100,000
      Domestic Transaction (Petrol Station)	12 August	IDR 600,000	30,000
      Domestic Transaction (Groceries)	15 August	IDR 1,500,000	75,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			100,000 (The maximum cashback is IDR 100,000, so customers will only receive a cashback of IDR 100,000)

      
      

      Customer G (an existing customer) holds a Danamon LEBIH PRO iB savings account and a Danamon LEBIH savings account. In this case, transactions in the Danamon LEBIH PRO iB account will be taken into account first.

      In August 2026, Customer G meets the minimum average balance requirement for the Danamon LEBIH PRO iB savings account (with an average balance of IDR 29,000,000.00 (twenty-nine million rupiah)), and meets the minimum accumulation requirements for Overseas Transactions and Domestic Transactions using a Danamon Bank Debit/ATM Card, with the following details:

      Type of Transaction	Transaction Date	Transaction Amount (Rupiah)	5% Cashback per transaction (Rupiah)	Cashback Obtained by Customer (IDR)
      Overseas Transaction	4 August	IDR 1,500,000	75,000	Overseas Transaction Cashback 175,000
      Overseas Transaction	5 August	IDR 2,000,000	100,000
      Domestic Transaction (Groceries)	13 August	IDR 500,000	25,000	Domestic Transaction Cashback 75,000
      Domestic Transaction (Petrol Station)	19 August	IDR 1,000,000	50,000
      TOTAL CASHBACK OBTAINED BY CUSTOMER (IDR)			250,000

      *) For transactions in Indonesian Rupiah using daily exchange rates, the exchange rate for May 2026 will be the daily rate on the date of the relevant transaction. Example: The average exchange rate for 1 USD is IDR 17,000

      
      

      Customer G meets the minimum transaction volume criteria and will therefore receive a Danamon LEBIH PRO iB cashback of IDR 250,000.00 (two hundred and fifty thousand rupiah). However, although there are transactions that meet the criteria under the Danamon LEBIH cashback scheme, transactions involving Danamon LEBIH products are not counted, as customers are only eligible for one cashback scheme per month.

Customers will not be entitled to receive any Rewards if they do not fulfill the General Terms and Conditions of the Program.

Participation of Program Participants in this Program is free of charge

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/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. 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.
7. 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.