Program Cashback Privilege Debit Card

1. Must be registered as a Danamon Privilege Customer with a minimum average balance of IDR 500,000,000 (five hundred million rupiah) during the transaction month. The balance includes funds across Savings, Current Accounts, Deposits, Investment Products, and Bancassurance Unit Link Products.
2. Must possess an active Danamon Privilege Debit/ATM Card.
3. Must maintain at least one active Rupiah savings account with a single account status linked to the Danamon Privilege Debit/ATM Card.

1. Customers are required to read and understand these Terms and Conditions prior to participating in the Program.
2. Bank Danamon reserves the right to refuse or cancel a Customer's participation if any of the Program requirements are not met.
3. Customers bear full responsibility for any risks, losses, claims, or disputes arising from their participation or cancellation of participation in the Program.
4. Eligible transactions must be made using the Danamon Privilege Debit/ATM Card.
5. The types of transactions that qualify for cashback rewards ("Transactions") include:
   (i). Purchases or payments via EDC machines at merchants using POS (Point of Sale) systems; or
   (ii). Online or e-commerce purchases/payments at merchants via POS (excluding e-wallet applications).
6. Transactions conducted via ATMs or the D-Bank PRO application do not qualify.
7. Customers must accumulate a minimum transaction value of IDR 10,000,000 (ten million rupiah) within a calendar month using the Danamon Privilege Debit/ATM Card to qualify for cashback. Transaction periods are defined as follows:
   a. July: July 1 – 31, 2025
   b. September: September 1 – 30, 2025
8. For transactions conducted in currencies other than Rupiah, the equivalent Rupiah value-based on the prevailing Bank Danamon exchange rate at the time of transaction-will be used to determine eligibility.
9. By conducting qualifying transactions during the Program Period, Customers are deemed to have read, understood, and agreed to these Terms and Conditions. The transaction itself serves as valid proof of participation and agreement.

1. Customers who meet all Program requirements will be eligible to receive a reward.
2. The gift scheme is in the form of a cashback (“Gift”) of up to 10% (ten percent) of the accumulated value of Danamon Privilege Debit/ATM Card transactions within a 1 (one) month period, as follows:

   Tier AUM	Minimum Total Transaction per month	% Cashback per month	Maximum Cashback per month
   IDR500,000,000 - < IDR5,000,000,000	IDR 10,000,000	5%	IDR500,000
   ≥ IDR 5,000,000,000		10%	IDR 1,000,000

   
   
3. Customers are eligible to receive the reward for each transaction month, provided they fulfil all applicable Terms and Conditions of the Program.
   
4. The Gift will be credited into the Customer's Rupiah savings account linked to the Danamon Privilege Debit/ATM Card used for the transaction, no later than 30 (thirty) working days from the last date of the monthly Transaction period.
5. The verification of transactions is solely under the authority of Bank Danamon.
   
6. The Gift is subject to tax according to applicable tax regulations in Indonesia. The Customer must provide valid NPWP (Taxpayer Identification Number) information or a valid NIK (National Identity Number) used as NPWP. Proof of tax deduction (Final Income Tax) can be obtained through Bank Danamon branch offices.
7. This program can be joined without any participation fee.

Customers will not receive Rewards if they do not meet the General Terms and Conditions of the Program.

1. These General Terms and Conditions form an integral part of the following:General Terms and Conditions of Accounts and Services of PT Bank Danamon Indonesia Tbk; General Terms and Conditions of Sharia Banking Accounts and Services of PT Bank Danamon Indonesia Tbk; General Terms and Conditions of Danamon Debit Card/ATM Danamon; General Terms and Conditions of Danamon Privilege Services; General Terms and Conditions of D-Bank PRO Services; and in the event of any discrepancy or conflict between the above provisions and these Program Terms and Conditions, the provisions of this Program shall prevail.
2. The Customer declares that they have not and will not engage in any transaction that indicates money laundering and/or other activities prohibited under the laws and regulations of the Republic of Indonesia.
3. If there are reports or indications of fraud and/or irregularities in transactions, Bank Danamon reserves the right to cancel the transaction, terminate the Customer's participation in the Program, and withhold or revoke any Prize awarded. The Customer remains responsible for fulfilling any outstanding obligations to Bank Danamon, if applicable.
4. If any irregularities related to this Program are found or if any fraud is suspected, Program Participants are advised to immediately report it through Hello Danamon.
5. The titles and terms used in these General Terms and Conditions of the Program are solely intended to facilitate understanding of the contents of these General Terms and Conditions.
6. The Customer agrees that Bank Danamon has the right to cancel the granting of Rewards under this Program if the Customer does not fulfill the General Terms and Conditions of the Program.
7. 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/revisions to these General Terms and Conditions will be notified through the communication channels available at Bank Danamon. In the event of changes to benefits, risks, costs, terms and conditions based on these General Terms and Conditions, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) working days from the date the notification of such changes is made by Bank Danamon through Bank Danamon's communication channels. The Customer agrees that the Customer is deemed to have agreed to such changes if no objection is submitted within that period. If the Customer does not agree to such changes, the Customer has the right to cancel participation in the Program, provided that all of the Customer's obligations to Bank Danamon (if any) are first settled.
8. The Customer hereby understands that there are risks associated with investment products. Investment products are not deposit products of Bank Danamon and are therefore not guaranteed by Bank Danamon and are not covered by the Deposit Insurance Corporation's guarantee program. Investment products carry investment risks where the Customer may lose part or all of the invested value.
9. Insurance products (Bancassurance) are not deposit products at Bank Danamon and are therefore not guaranteed by Bank Danamon and are not covered by the Deposit Insurance Corporation's guarantee program.
10. Customers can submit complaints regarding banking transactions/services either orally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
11. Procedures regarding Customer complaint services can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
12. If any provision in these General Terms and Conditions of the Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by law due to a Government or court regulation, this shall not affect the validity of the other provisions in these General Terms and Conditions, and the other provisions shall remain in force and binding and can be implemented as stipulated in these General Terms and Conditions.
13. These General Terms and Conditions of the Program have been adjusted to comply with prevailing laws and regulations including the regulations of the Financial Services Authority.
14. 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's guarantee program.