Cashback 100% Up to IDR 250K - Central Java dan Yogyakarta

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Program Description

General Terms and Conditions of the Program (“General Terms and Conditions”) constitute the terms and conditions applicable to Customers participating in the Regular QRIS Program – Regional Based Ecosystem – Central Java & Special Region of Yogyakarta (DIY) (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

By participating, the Customer agrees to and is bound by all provisions set forth in these General Terms and Conditions of the Program as follows:

Program Period

Program Period (“Program Period”) are as follows:

a. Automotive Category:

Region	MERCHANT	Program Period
Central Java & DIY	Subur Utama Ban	1 August 2025 – 31 December 2025
Central Java & DIY	Galvin Autocar	1 August 2025 – 31 December 2025
Central Java & DIY	Rakjat Mobilindo	1 August 2025 – 31 December 2025
Central Java & DIY	Garuda Jaya Semarang	1 August 2025 – 31 December 2025
Central Java & DIY	Gt Auto - YK	1 August 2025 – 31 December 2025
Central Java & DIY	Arvia Jaya	1 August 2025 – 31 December 2025
Central Java & DIY	Andoyo Motor	1 August 2025 – 31 December 2025
Central Java & DIY	Utama Motor Abadi CV (Ahass Utama)	1 August 2025 – 31 December 2025
Central Java & DIY	Fast Autodetailing	1 August 2025 – 31 December 2025
Central Java & DIY	PT. Gratia Duta Pratama	1 August 2025 – 31 December 2025

b. Non-Automotive Category:

Region	MERCHANT	Program Period
Central Java & DIY	Ayam & Bebek Mas Budi	21 July 2025 – 31 December 2025
Central Java & DIY	Food Fair Cl 01 & Food Fair Cl 02 (Citraland Semarang Pt)	1 August 2025 – 31 December 2025
Central Java & DIY	Bangunanku Bangunan Kita Bangunan Anda Bangunanku Pekalongan Budi Kencana	1 August 2025 – 31 December 2025
Central Java & DIY	Lie Kuang	1 August 2025 – 31 December 2025
Central Java & DIY	Bakmi Hap Kie Beteng	1 August 2025 – 31 December 2025
Central Java & DIY	Venice Aesthetic Clinic	1 August 2025 – 31 December 2025
Central Java & DIY	CV Atlanta	1 August 2025 – 31 December 2025
Central Java & DIY	Istana Buah	1 August 2025 – 31 December 2025
Central Java & DIY	Swalayan Sinar Jaya	1 September – 31 December 2025

Program Participant Criteria

Eligible Customers for this Program are as follows:

Customers of Bank Danamon who have the D-Bank PRO application and hold an active Danamon savings account and/or credit card during the Program Period.
This Program is not applicable to employees of Bank Danamon.

Hereinafter referred to as the (“Customer”).

Program Terms and Conditions

Prior to participating in the Program, the Customer is required to read, understand, and acknowledge the characteristics, benefits, risks, fees, and other provisions of the Program, and agree to the General Terms and Conditions of the Program.
Bank Danamon reserves the right to reject or cancel the Customer’s participation in the Program if the Customer does not comply with the General Terms and Conditions of the Program.
The Customer shall be fully responsible for any risks, losses, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in the Program.
The Customer must have an account and be registered with the D-Bank PRO Mobile Banking Service.
By conducting transactions in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood, and agreed to comply with the Program and its General Terms and Conditions. Such transactions shall serve as valid evidence of the Customer’s participation in the Program and their agreement to be bound by the General Terms and Conditions of the Program.

Program Terms and Conditions For Issuance of Reward

Customers will receive a prize if they have fulfilled the General Terms and Conditions of the Program, subject to quota availability.
The prize scheme is in the form of cashback (“Prize”) by making payment transactions using QRIS via D-Bank PRO, with the source of funds from a savings account and/or credit card, without a minimum transaction amount, at merchants as specified in the General Terms and Conditions of the Program.
Cashback and transaction quota for the QRIS D-Bank PRO Program are categorized as follows:

a. Automotive Category:

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
Central Java & DIY	Subur Utama Ban	Jl. Jendral Sudirman No. 109, Pekalongan	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Galvin Autocar	Jl. Ronggowarsito No. 137, Timuran, Banjarsari, Surakarta	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Rakjat Mobilindo	Jl. Ronggowarsito No. 137, Timuran, Banjarsari, Surakarta	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Garuda Jaya Semarang	Jl. Dr. Cipto No. 143, Karangturi, Kec. Semarang Timur, Semarang - 50125	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Gt Auto - YK	Jl Kebon Agung 888 Karang Geneng, Sendangadi, Mlati, Sleman, Diy, 55284	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Arvia Jaya	Jl. MT Haryono No. 772-774, karangturi, Kec. Semarang Timur, Kota Semarang - 50124	Cashback 100% Up to IDR 250,000	200 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Andoyo Motor	Jl. Brigjen. Katamso No 16, Gondomanan, Yogyakarta - 55121	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Utama Motor Abadi CV (Ahass Utama)	1. Jl. Parangtritis No.163 Brontokusuman, Mergangsan, Yogyakarta, 55153 2. Jl. Mayor Jenderal Sutoyo No.4 Mantrijeron, Mantrijeron, Yogyakarta, 55133 3. Jl. Re Martadinata No.27 Wirobrajan, Wirobrajan, Yogyakarta, 55262 4. Jl. Imogiri Timur No. 116 Giwangan, Umbulharjo, Yogyakarta, 55163 5. Jl. Imogiri Timur Km.9 Wonokromo, Pleret, Bantul, 55791 6jl. Menteri Supeno No.34 Sorosutan, Umbulharjo, Yogyakarta, 55162 7. Jl. Pembela Tanah Air No.03 Tegalrejo, Tegalrejo, Yogyakarta, 55244 8. Jl. Timoho No.320 Baciro, Gondokusuman, Yogyakarta, 55221	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Fast Autodetailing	Jl. Lusipara No. 3, Karangtempel, Semarang	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	PT. Gratia Duta Pratama	Jl. Raya Dampyak No 10, Dampyak, Kramat, Kab Tegal	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period

b. Non-Automotive Category

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
Central Java & DIY	Ayam & Bebek Mas Budi	Jl. Mulawarman Raya No.41, Pedalangan, Kec. Banyumanik, Kota Semarang, Central Java 50268 Jl. Kedungmundu Raya No. 51, Sambiroto, Kec. Tembalang, Kota Semarang, Central Java 50276 Jl. Brigjen Sudiarto No.599, Pedurungan Kidul, Kec. Pedurungan, Kota Semarang, Central Java 50192 Jl. Sriwijaya No. 4, Tegalsari, Kec. Candisari, Kota Semarang, Central Java Jl. Mayor Kusmanto No.25, Ngingas Baru, Bareng Lor, Kec. Klaten Utara, Kab. Klaten, Central Java 57438 Jl. Adi Sucipto No.48b, Blukukan Dua, Blulukan, Kec. Colomadu, Kab. Karanganyar, Central Java 57176 Jl. Parangtritis, Druwo, Bangunharjo, Kec. Sewon, Kab. Bantul, Daerah Istimewa Yogyakarta 55188 Jl. Wates No.Km 5, Gamping Tengah, Ambarketawang, Kec. Gamping, Kab. Sleman, Diy 55294 Jl. Brigjen Katamso, Rw. 06, Pangenrejo, Kec. Purworejo, Kab. Purworejo, Central Java 54115 Jl. Raya Semarang-Boja, Wates, Kec. Ngaliyan, Kota Semarang, Central Java 50188 Jl. Lamper Tengah, Kec. Semarang Sel., Kota Semarang, Central Java 50248 Cupuwatu I No.001, Rt.003, Cupuwatu Ii, Purwomartani, Kec. Kalasan, Kab. Sleman, Diy 55571 Jl. Kaliurang, Purwosari, Sinduadi, Kec. Mlati, Kab. Sleman, Daerah Istimewa Yogyakarta Jl. Stadion,Karangsari, Wedomartani, Kec. Ngemplak, Kab. Sleman, Daerah Istimewa Yogyakarta Jl. Ngapak - Kentheng No.Km 4, Kembang, Ngestiharjo, Kec. Kasihan, Kab. Bantul, Diy 55184 Jl. C. Simanjuntak, Terban, Kec. Gondokusuman, Kota Yogyakarta, Daerah Istimewa Yogyakarta Jl. Magelang No.Km 5,6, Kutu Tegal, Sinduadi, Kec. Mlati, Kab. Sleman, Daerah Istimewa Yogyakarta 55284 Jl. Ra. Kartini No.9, Karangturi, Kec. Semarang Tim., Kota Semarang, Central Java 50124 Jl. Kenconowungu Dalam Ii, Karangayu, Kec. Semarang Barat, Kota Semarang, Central Java 50149 Jl Gatot Subroto No. 48, Purwoyoso, Kec. Ngaliyan, Kota Semarang, Central Java 50184 Jl. Akbp Agil Kusumadya No.20, Getas, Jati Kulon, Kec. Jati, Kabupaten Kudus, Central Java 59347 Jl. Pangeran Diponegoro No.03, Wonosobo Timur, Wonosobo Tim., Kec. Wonosobo, Kabupaten Wonosobo, Central Java 56311 Jl. Mayjen Bambang Soegeng No.441, Kedungdowo, Mertoyudan, Kec. Mertoyudan, Kab. Magelang, Central Java 56172 Jl. Gatot Subroto, Tawangsari, Kebonsari, Kec. Temanggung, Kabupaten Temanggung, Central Java Komplek Ruko, Jl. Ar. Hakim No.128 D, Randugunting, Kec. Tegal Sel., Kota Tegal, Central Java 52125 Jl. Kh. Mansyur No.86, Bendan, Kec. Pekalongan Bar., Kota Pekalongan, Central Java 51119 Jl. Prof. Dr. Suharso No.8, Glempang, Arcawinangun, Kec. Purwokerto Tim., Kabupaten Banyumas, Central Java 53113 Jl. Brigjend. Katamso, Cilacap, Sidanegara, Kec. Cilacap Tengah, Kabupaten Cilacap, Central Java 53212 Barukan, Jl. Tingkir Raya, Rt.2/Rw.7, Tingkir Tengah, Kec. Tingkir, Kota Salatiga, Central Java 50745 Jl. Wolter Monginsidi, Pedurungan Tengah, Kec. Pedurungan, Kota Semarang, Central Java	Cashback 100% Up to IDR 25,000	400 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Bakmi Hap Kie Beteng	Jl. Beteng No 117 Semarang	Cashback 100% Up to IDR 25,000	600 Transaction* *Applicable from September 1 until December 31	Maximum of two (2) Prize per customer during the program period* *Applicable from September 1 until December 31
Central Java & DIY	Venice Aesthetic Clinic	Jl. DI Panjaitan No 12, Brumbungan, Semarang - 50177	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Food Fair Cl 01 & Food Fair Cl 02 (Citraland Semarang Pt)	Jl Simpang Lima no. 1, Semarang (Management Office, Mal Ciputra Semarang)	Cashback 100% Up to IDR 25,000	600 Transactions *Valid from 1 September - 31 December	Maximum of 2 (2) Prize per customer during the program period *Valid from 1 September - 31 December
Central Java & DIY	Bangunanku Bangunan Kita Bangunan Anda Bangunanku Pekalongan Budi Kencana	1. JL Suyodono No. 72 Semarang 2. Jl. Karangingas No. 23 Semarang 3. Jl. Kedungmundu No. 83 Semarang 4. Jl. Raya Kedungwuni No. 192 Pekalongan 5. Jl. Petolongan No. 3 Semarang	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Lie Kuang	Jl. Saidan No.5, Pandansari, Kec.Semarang Tengah, Kota Semarang, Central Java 50139	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	CV Atlanta	1. Jl Mt Haryono 540, Sarirejo, Semarang Timur, Semarang 50124 2. Jl Karangwulan Utara 12a, Jagalan, Kec Semarang Tengah, Semarang 3. Jl Majapahit 337 Gemah, Pedurungan, Semarang 4. Ruko Grand Ngaliyan Square 68-71, Jl Prof Hamka , Purwoyoso, Kec. Ngaliyan, Semarang 5. Jl Ngesrep Timur V / 57 Tembalang, Kec. Banyumanik, Semarang 6. Jl Hos Cokroaminoto 166 Tegalrejo, Kec. Tegalrejo, Kota Yogyakarta 7. Jl Magelang Km 5.6 No. 71 Sinduadi, Mlati, Sleman 55284	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Istana Buah	1. Istana Buah Pandanaran, Jl. Pandanaran No.100, Pekunden, Kec. Semarang Tengah, Kota Semarang, Central Java 50243 2. Istana Buah Sultan Agung, Jl. Sultan Agung No.145, Karangrejo, Kec. Gajahmungkur, Kota Semarang, Central Java 50232	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Central Java & DIY	Swalayan Sinar Jaya	1. Jl Soekarno Hatta 97A Tlogosari Kulon, Pedurungan, Semarang 50196	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period

The Prize will be credited to the Customer’s account used for conducting the Transactions no later than 30 (thirty) business days after the end of the Program Period in the month the Transactions were made.
Participation in this Program is free of charge for the Customer.
The Customer understands and agrees that if the Program Quota is exhausted before the Program Period ends, the Customer will not receive any Cashback.
In the event that the Customer’s account used for conducting Transactions is inactive, blocked, or in any condition that prevents the Cashback from being credited, the Customer acknowledges that the Cashback cannot be granted.

Participating Outlet

Customer Complaints

Customers may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank Danamon branch office, via Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
The procedure for customer complaint services can be accessed through the website https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

Other Term and Conditions

Other terms and conditions related to banking products, services, and/or Transactions, insofar as they are not regulated differently in these General Terms and Conditions of the Program, shall remain valid and binding upon the Customer and form an integral part of this Program.
These General Terms and Conditions of the Program form an inseparable part of the “General Terms and Conditions of Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions of D-Bank PRO.” These terms and conditions remain valid unless otherwise regulated in these General Terms and Conditions of the Program.
The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to revise/amend/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions will be communicated through the communication channels available at Bank Danamon. In the event of changes to benefits, risks, fees, terms, and conditions under these General Terms and Conditions, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date the changes are communicated by Bank Danamon. The Customer agrees that if no objection is submitted within the specified period, the Customer shall be deemed to have accepted the changes. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program, provided that all obligations to Bank Danamon (if any) have been settled. The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
The Customer agrees that Bank Danamon reserves the right to cancel the Prize distribution under this Program if the Customer does not meet the General Terms and Conditions of the Program.
The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
In the event of any indication of fraud, misconduct and/or irregular Transactions, unreasonable Transactions, money laundering, and/or actions that violate applicable laws and regulations, Bank Danamon reserves the right to cancel the Transactions, cancel the Customer’s participation in the Program, and/or cancel the Cashback distribution to the relevant Customer. The Customer remains obligated to settle all outstanding obligations to Bank Danamonn.
These General Terms and Conditions of the Program have been adjusted in accordance with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).
PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.

Reminder

Customers must be cautious of fraud committed by individuals claiming to represent Bank Danamon and promising Cashback in any form. Any fraud or other criminal acts committed by third parties in connection with or claiming to represent the Program are beyond the authority of Bank Danamon.