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 – Cental Java and 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

The Program shall be conducted during the following period:

a. Automotive Category:

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

b. Non-Automotive Category:

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

Hereinafter referred as ”Program Period”,

Program Participant Criteria

Eligible Customers for this Program are as follows:

Customers who have: i) a Bank Danamon savings account; and ii) an active Bank Danamon Credit Card during the Program Period and are users of the latest version of the D-Bank PRO application, and.
This Program is not applicable to employees of Bank Danamon.

Hereinafter referred to as the (“Customer”).

Program Terms and Conditions

Customers are required to read and understand the General Terms and Conditions of this 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 program is a reward in the form of cashback ("Cashback Rewards") for payment transactions using QRIS D-Bank PRO with funds sourced from savings accounts and/or Bank Danamon credit cards, with no minimum transaction amount, at all merchant partners specified and listed in the General Terms and Conditions of this program ("Transactions").
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.

General Terms and Conditions For Prize Distribution

Customers will receive Cashback Rewards if they have fulfilled the General Terms and Conditions of the Program while quotas are available.
The Program is valid with Cashback Reward Quotas ("Program Quotas") which will be given based on the following categories:

a. Automotive Category:

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
Central Java & Yogyakarta	Subur Utama Ban	Jl. Jendral Sudirman No. 109, Pekalongan	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Galvin Autocar	Jl. Ronggowarsito No. 137, Timuran, Banjarsari, Surakarta	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Rakjat Mobilindo	Jl. Ronggowarsito No. 137, Timuran, Banjarsari, Surakarta	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Gt Auto - YK	Jl Kebon Agung 888 Karang Geneng, Sendangadi, Mlati, Sleman, Yogyakarta, 55284	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Andoyo Motor	Jl. Brigjen. Katamso No 16, Gondomanan, Yogyakarta - 55121	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Fast Autodetailing	Jl. Lusipara No. 3, Karangtempel, Semarang	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period

b. Non-Automotive Category

REGION	MERCHANT	MERCHANT ADDRESS	PROGRAM PRIZE	PROGRAM QUOTA	QUOTA PER CUSTOMER
Central Java & Yogyakarta	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, Yogyakarta 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, Yogyakarta 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, Yogyakarta 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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period* *Applicable from September 1 until December 31
Central Java & Yogyakarta	Venice Aesthetic Clinic	Jl. DI Panjaitan No 12, Brumbungan, Semarang - 50177	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period *Valid from 1 September - 31 December
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	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) Cashback Rewards per customer during the program period
Central Java & Yogyakarta	Nakamura	1. Nakamura Magelang: Jl. Pemuda No.171, Kemirirejo, Kec. Magelang Tengah, Kota Magelang, Jawa Tengah 56122 2. Nakamura Sragen: Jl. Sukowati No.267, Karang Duwo, Sragen Tengah, Kec. Sragen, Kabupaten Sragen, Jawa Tengah 57211 3. Nakamura Klaten: 100m Selatan Tugu Pandawa - Jl. Mayor Kusmanto No.37, Bramen, Sekarsuli, Kec. Klaten Utara, Kabupaten Klaten, Jawa Tengah 57415	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Cashback Rewards per customer during the program period

(“Cashback Quota”).

Cashback rewards will be credited to the Customer's savings account (for Transactions with savings account funds) or in the form of credit balance to the Customer's Credit Card monthly bill (for Transactions with Credit Card funds) used to make Transactions no later than 30 (thirty) working days after the Program Period in the month in which the Transaction was made ends.
Effective 1 December 2025, Cashback Rewards will only be credited to the Customer's savings account. If the Customer does not have a savings account and makes a Transaction using QRIS with funds sourced from a Credit Card, the Cashback Reward will not be provided.
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.
The Bank will deposit any tax deductions (if any) on the Cashback Prize in the form of cashback to the competent tax authority. All matters relating to the calculation and reporting of taxes on cashback received by Program Participants are the sole responsibility of the Program Participants (self assessment basis).

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

General Terms and Conditions This program constitutes an integral part of the "General Terms and Conditions for Bank Danamon Accounts and Banking Services" and the "General Terms and Conditions for D-Bank PRO", as well as other terms and conditions related to banking products and/or services. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
The products and/or services of the merchant partner are not the products and responsibility of Bank Danamon and are therefore entirely the responsibility of the merchant partner. If there are any problems and/or complaints regarding the products, services, and/or the Program, please contact the merchant partner concerned.
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.
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 Danamon.
If any provision of the General Terms and Conditions of this Program is prohibited or cannot be enforced or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of the other provisions of the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and enforceable as stipulated in the General Terms and Conditions of this Program.
If any irregularities are found in relation to this Program or if fraud is suspected, Customers are advised to immediately inform Hello Danamon.
The Terms and Conditions of this Program are written in Indonesian and English. In the event of any differences in provisions or interpretations between the Indonesian and English versions, the Indonesian version shall prevail.
The titles and terms used in the General Terms and Conditions of this Program are solely intended to facilitate understanding of the contents of the General Terms and Conditions of this Program.
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.