- Each Customer participating in this program must first register by completing and signing the Form.
- Bank Danamon reserves the right at any time to refuse or cancel a Customer's participation in this program if the Customer does not meet the General Terms and Conditions of this Program.
- Customers are to be responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this program.
- Customers must have an active Danamon LEBIH PRO/Danamon LEBIH PRO iB account with Bank Danamon at the time of or before filling out and signing the Form.
- Customers may only participate with 1 (one) savings account and must not be participating in the Wow Offer Top Up Balance program at Bank Danamon during the previous program period.
- Customers must deposit and block funds in their savings account in accordance with the scheme, amount of funds blocked, period of funds blocked, cashback, and penalties/return of gift costs as follows:
Optimal Segment – Cashback/e-Voucher MAP reward specifically for Sharia customers
Remark
|
Savings Account
Blocked Amount
|
Reward*
|
Penalty Fee/
Prize Return Fee
|
3-Month Tenor
|
6-Month Tenor
|
3-Month Tenor
|
6-Month Tenor
|
TUB25
|
IDR 25,000,000
|
IDR 160,000
|
IDR 335,000
|
IDR 200,000
|
IDR 418,750
|
TUB50
|
IDR 50,000,000
|
IDR 320,000
|
IDR 670,000
|
IDR 400,000
|
IDR 837.500
|
TUB100
|
IDR 100,000,000
|
IDR 645,000
|
IDR 1,340,000
|
IDR 806,250
|
IDR 1,675,000
|
TUB200
|
IDR 200,000,000
|
IDR 1,295,000
|
IDR 2,720,000
|
IDR 1,618,750
|
IDR 3,400,000
|
*) For rewards in the form of MAP e-vouchers, rewards are rounded down to the nearest IDR 50,000 denomination.
Example:
A reward of IDR 335,000 means the customer receives an e-voucher reward of IDR 300,000.
Optimal Segmen – D-Point Reward
Remark
|
Amount of Savings
Account Funds Blocked
|
D-Point*
|
Penalty Fee/
Gift Return Fee
|
3-Month Tenor
|
6-Month Tenor
|
3-Month Tenor
|
6-Month Tenor
|
TUB25P
|
IDR 25,000,000
|
12,800
|
26,000
|
IDR 200,000
|
IDR 418,750
|
TUB50P
|
IDR 50,000,000
|
24,000
|
54,000
|
IDR 400,000
|
IDR 837,500
|
TUB100P
|
IDR 100,000,000
|
52,000
|
108,000
|
IDR 806,250
|
IDR 1,675,000
|
TUB200P
|
IDR 200,000,000
|
104,000
|
200,000
|
IDR 1,618,750
|
IDR 3,400,000
|
*) Customers can only redeem D-Points rewards according to the conversion value applicable on the day of the point redemption transaction
Privilege IDR Segment – Cashback/e-Voucher MAP rewards specifically for Sharia customers
Remark
|
Amount of Savings
Account Funds Blocked
|
Reward*
|
Penalty Fee/
Reward Return Fee
|
3-Month Tenor
|
6-Month Tenor
|
3-Month Tenor
|
6-Month Tenor
|
TUB250
|
IDR 250,000,000
|
IDR 1,630,000
|
IDR 3,520,000
|
IDR 2,037,500
|
IDR 4,400,000
|
TUB500
|
IDR 500,000,000
|
IDR 3,280,000
|
IDR 7,040,000
|
IDR 4,100,000
|
IDR 8.800.000
|
TUB1M
|
IDR 1,000,000,000
|
IDR 6,300,000
|
IDR 13,500,000
|
IDR 7,875,000
|
IDR 16,875,000
|
TUB2M
|
IDR 2,000,000,000
|
IDR 12,700,000
|
IDR 27,200,000
|
IDR 15,875,000
|
IDR 34,000,000
|
TUB3M
|
IDR 3,000,000,000
|
IDR 19,200,000
|
|
IDR 24.000.000
|
|
TUB4M
|
IDR 4,000,000,000
|
IDR 25,800,000
|
|
IDR 32,250,000
|
|
TUB5M
|
IDR 5,000,000,000
|
IDR 32,500,000
|
|
IDR 40,625,000
|
|
TUB6M
|
IDR 6,000,000,000
|
IDR 39,600,000
|
|
IDR 49,500,000
|
|
TUB7M
|
IDR 7,000,000,000
|
IDR 46,900,000
|
|
IDR 58,625,000
|
|
TUB8M
|
IDR 8,000,000,000
|
IDR 54,400,000
|
|
IDR 68,000,000
|
|
TUB9M
|
IDR 9,000,000,000
|
IDR 62,100,000
|
|
IDR 77,625,000
|
|
TUB10M
|
IDR 10,000,000,000
|
IDR 70,000,000
|
|
IDR 87,500,000
|
|
*) For rewards in the form of MAP e-vouchers, prizes will be rounded down to the nearest IDR 50,000 denomination.
Privilege IDR Segment – D-Point Rewards
Remark
|
Amount of Savings
Amount of Savings
|
D-Point*
|
Penalty Fee/
Gift Return Fee
|
3-Month Tenor
|
6-Month Tenor
|
3-Month Tenor
|
6-Month Tenor
|
TUB250P
|
IDR 250,000,000
|
130,000
|
280,000
|
IDR 2,037,500
|
IDR 4,400,000
|
TUB500P
|
IDR 500,000,000
|
260,000
|
560,000
|
IDR 4,100,000
|
IDR 8,800,000
|
TUB1MP
|
IDR 1,000,000,000
|
500,000
|
1,080,000
|
IDR 7,875,000
|
IDR 16,875,000
|
TUB2MP
|
IDR 2,000,000,000
|
1,020,000
|
2,180,000
|
IDR 15,875,000
|
IDR 34,000,000
|
TUB3MP
|
IDR 3,000,000,000
|
1,540,000
|
|
IDR 24,000,000
|
|
TUB4MP
|
IDR 4,000,000,000
|
2,080,000
|
|
IDR 32,250,000
|
|
TUB5MP
|
IDR 5,000,000,000
|
2,620,000
|
|
IDR 40,625,000
|
|
TUB6MP
|
IDR 6,000,000,000
|
3,180,000
|
|
IDR 49,500,000
|
|
TUB7MP
|
IDR 7,000,000,000
|
3,780,000
|
|
IDR 58,625,000
|
|
TUB8MP
|
IDR 8,000,000,000
|
4,380,000
|
|
IDR 68,000,000
|
|
TUB9MP
|
IDR 9,000,000,000
|
5,000,000
|
|
IDR 77,625,000
|
|
TUB10MP
|
IDR 10,000,000,000
|
5,640,000
|
|
IDR 87,500,000
|
|
*) Customers can only redeem D-Points rewards according to the conversion value applicable on the day of the point redemption transaction
Privilege USD Segment – Cashback Reward/MAP e-Voucher (Exclusively for Danamon LEBIH PRO iB)
Remark
|
Amount of Savings
Account Blockage
|
Reward*
|
Penalty Fee/
Reward Return Fee
|
3-Month Tenor
|
3-Month Tenor
|
TUB20K
|
USD20,000
|
IDR 891,000
|
IDR 1,113,750
|
TUB40K
|
USD40,000
|
IDR1,848,000
|
IDR2,310,000
|
TUB80K
|
USD80,000
|
IDR 2,640,000
|
IDR 3,300,000
|
*) For prizes in the form of MAP e-vouchers, prizes will be rounded down to the nearest IDR 50,000 denomination.
Privilege USD Segment – D-point Rewards
Remark
|
Amount of Savings
Account Blockage
|
D-Points*
|
Penalty Fee/
Gift Return Fee
|
3-Month Tenor
|
3-Month Tenor
|
TUB20KP
|
USD20,000
|
70,000
|
IDR 1,113,750
|
TUB40KP
|
USD40,000
|
148,000
|
IDR 2,310,000
|
TUB80KP
|
USD80,000
|
212,000
|
IDR 3,300,000
|
*) Customers may only redeem D-Points rewards in accordance with the conversion rate applicable on the day of the point redemption transaction
- Customers are only permitted to choose one program scheme that matches their customer segment and one type of reward (cashback/D-points/e-voucher)
- For e-voucher MAP rewards, they are issued in denominations of IDR 50,000. For e-voucher MAP rewards, they are issued in denominations of IDR 50,000
- Rewards are not cumulative.
- All funds included in this program must be fresh funds, i.e
(i) funds deposited in cash through a Bank Danamon branch office; or
(ii) funds transferred to the customer's account at Bank Danamon from another bank account
(iii) there is an increase in funds compared to the baseline.
The calculation of incremental fresh funds is as follows:
Current month balance
|
: Savings balance + Current account balance + Deposit balance + Investment balance
|
Baseline
|
: Savings Balance + Current Account + Deposits + Investment Balance 1 month prior to the placement month
|
- Bank Danamon will block the Savings Fund Blocking Amount in accordance with the Savings Fund Blocking Period selected by the Customer.
- Customers can cancel their participation and unblock funds in this program by visiting the Bank Danamon branch where they registered for the program and signing the program Cancellation Form. Upon cancellation of the program, the Customer will be charged a penalty/gift return fee in accordance with the amount stated in the penalty/reward return fee section of the Form and the General Terms and Conditions of the program, as well as the penalty/reward return fee applicable to the disbursement of funds before maturity in accordance with the applicable product terms and conditions. The penalty fee/reward return fee shall be paid by the Customer in a lump sum by Bank Danamon debiting the Customer's account at Bank Danamon.
- The Customer has the opportunity to receive additional rewards by meeting the following Add On transaction requirements:
a. Segment Optimal Add On
Tiering/Tipe
|
Minimum Transaction
Credit Card / Foreign Exchange
(IDR or equivalent)
|
Bonus Rewards
|
Penalty Fee/
Reward Refund Fee
|
Rewards*
|
D-Point
|
TUB25
|
IDR 5.000.000
|
IDR 53.000
|
4.200
|
IDR 53.000
|
TUB50
|
IDR 5.000.000
|
IDR 144.000
|
10.000
|
IDR 144.000
|
TUB100
|
IDR 5.000.000
|
IDR 307.000
|
24.000
|
IDR 307.000
|
TUB200
|
IDR 5.000.000
|
IDR 605.000
|
48.000
|
IDR 605.000
|
*) For add-ons with Danamon LEBIH PRO iB products, the rewards that can be selected are MAP e-vouchers or D-Points. For MAP e-vouchers, the denomination is IDR 50,000 and the reward is rounded down. For Danamon LEBIH PRO products, only cashback or D-Points are allowed as rewards.
Example:
At Tiering TUB50, the prize is IDR 144,000 for a MAP e-voucher, and the customer receives IDR 100,000.
b. Privilege Add-On Segment
Tiering/Type
|
Minimum Purchase of
Mutual Fund Products
(min fee 1%)/ Bonds/
Bancassurance / Foreign Exchange
(IDR or equivalent)
|
Additional Reward
|
Penalty Fee/
Gift Return Fee
|
Bonus*
|
D-Point
|
TUB250
|
IDR 50.000.000
|
IDR 555.000
|
44.000
|
IDR 555.000
|
TUB500
|
IDR 50.000.000
|
IDR 2.350.000
|
180.000
|
IDR 2.350.000
|
TUB1M
|
IDR 50.000.000
|
IDR 4.830.000
|
380.000
|
IDR 4.830.000
|
TUB2M
|
IDR 50.000.000
|
IDR 9.750.000
|
780.000
|
IDR 9.750.000
|
TUB3M
|
IDR 50.000.000
|
IDR 14.600.000
|
1.160.000
|
IDR 14.600.000
|
TUB4M
|
IDR 50.000.000
|
IDR 19.700.000
|
1.580.000
|
IDR 19.700.000
|
TUB5M
|
IDR 50.000.000
|
IDR 24.400.000
|
1.960.000
|
IDR 24.400.000
|
TUB6M
|
IDR 50.000.000
|
IDR 28.500.000
|
2.280.000
|
IDR 28.500.000
|
TUB7M
|
IDR 50.000.000
|
IDR 32.300.000
|
2.600.000
|
IDR 32.300.000
|
TUB8M
|
IDR 50.000.000
|
IDR 35.900.000
|
2.880.000
|
IDR 35.900.000
|
TUB9M
|
IDR 50.000.000
|
IDR 39.300.000
|
3.160.000
|
IDR 39.300.000
|
TUB10M
|
IDR 50.000.000
|
IDR 43.800.000
|
3.520.000
|
IDR 43.800.000
|
TUB20K
|
IDR 50.000.000
|
IDR 1.000.000
|
80.000
|
IDR 1.000.000
|
TUB40K
|
IDR 50.000.000
|
IDR 2.200.000
|
176.000
|
IDR 2.200.000
|
TUB80K
|
IDR 50.000.000
|
IDR 4.750.000
|
382.000
|
IDR 4.750.000
|
*) For add-ons with Danamon LEBIH PRO iB products, the rewards that can be selected are MAP e-vouchers or D-Points. For MAP e-vouchers, the denomination is IDR 50,000 and the reward is rounded down. For Danamon LEBIH PRO products, only cashback or D-Points are allowed as rewards.
- Customers must make an Add-On transaction at D-Bank PRO/Bank Danamon branch office with a total nominal value as stipulated in the table above or register a minimum of 1 (one) biller on their credit card.
- Add-on transactions that are counted are those made on the calendar day following the date of the savings account funds block and no later than the last calendar day of the month following the month of the customer's participation in this program.
- Additional rewards for Add On transactions will follow the main reward received by the customer, as illustrated below:
i. If the Customer receives a cashback reward, then in the event the Customer is eligible for an Add On transaction, the additional reward for the Add On transaction received is cashback (cannot be D-Points or other types of rewards)
ii. If the Customer receives a reward in the form of D-Points, then if the Customer is eligible for an Add On transaction, the additional reward for the Add On transaction received will be D-Points (not cashback or other types of rewards).
- For the Danamon LEBIH PRO iB product, Add On transactions for Credit Cards and purchases of conventional products (cross-product) are not permitted
- Program Participation Illustration:
Program Participation Illustration:
Example 1
Program block date: IDR 500 Million
|
22 October 2025
|
Date and amount of mutual fund transaction
|
27 November 2025, Mutual Fund transaction amount IDR 50,000,000
|
Add On transaction cashback
|
Eligible
|
Explanation
|
Still within the maximum limit, which is the end of the month following the month of participation in the program.
The total nominal value of the add-on transaction is met.
|
Example 2
Program block date: IDR 500 million
|
22 October 2025
|
Date and amount of FX transaction
|
1 December 2025, FX transaction amount IDR 50,000,000
|
Cashback for Add-On Transactions
|
Not Eligible
|
Explanation
|
Does not fall within the maximum limit, which is the end of the month following the month of participation in the program.
The total add-on transaction amount is met.
|
Example 3
Date of fund placement and blocking for program participation: IDR 500 million
|
22 October 2025 (Danamon LEBIH PRO iB product)
|
Cashback for placement and blocking of funds
|
Eligible
|
Explanation
|
The minimum fund placement for participation has been met, in accordance with the program terms and conditions.
|
Bond transaction date and amount
|
10 November 2025, transaction amount for Bonds: IDR 50,000,000 (sharia bonds)
|
Cashback for Add On transactions
|
Eligible
|
Explanation
|
Still within the maximum limit, which is the end of the month following the month of participation in the program.
The total nominal value of the add-on transaction is met.
Customers receive a reward in the form of an e-voucher.
|
Example 4
Date of fund placement and blocking for program participation: IDR 500 million
|
22 October 2025 (Danamon LEBIH PRO iB product)
|
Cashback for fund placement and blocking
|
Eligible
|
Explanation
|
The minimum fund placement for participation has been met, in accordance with the program terms and conditions.
|
Date and amount of mutual fund transaction
|
2 November 2025, mutual fund account opening amount through a branch for non-sharia products is IDR 50,000,000
|
Add On transaction cashback
|
Not Eligible
|
Explanation
|
The product opened is a non-Sharia mutual fund, which does not comply with the terms and conditions, even though the amount meets the program requirements. This program does not allow cross-product transactions between Sharia and non-Sharia products.
|
- Add-on transactions made on the same date as participation in the program (the date of savings account funds blocking) cannot be counted towards the additional cashback scheme.
- The applicable currency terms and conditions are in accordance with the terms and conditions of Bank Danamon.
- Additional cashback is not cumulative.
- Customers can only receive additional cashback once during the program Period.
- For the USD scheme, the cashback is provided in IDR to the customer's Danamon LEBIH PRO Savings Account