Cashback 100% Up to IDR 250K

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 – Kalimantan (“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
Kalimantan	Toko Carin Gunawan / PT Sukses Perkasa Abadi	21 July 2025 – 31 December 2025
Kalimantan	BOMC Variasi	21 July 2025 – 31 December 2025
Kalimantan	CV Tunas Inti / Toko Tunas Inti	21 July 2025 – 31 December 2025
Kalimantan	Bengkel Garuda Sakti Auto	21 July 2025 – 31 December 2025
Kalimantan	Next Car Wash & Café	21 July 2025 – 31 December 2025
Kalimantan	Bengkel Prima Motor 1	10 July 2025 – 31 December 2025
Kalimantan	Bolt Serdam	10 July 2025 – 31 December 2025
Kalimantan	Mojopahit Motor	1 July 2025 – 31 December 2025
Kalimantan	Indotama Variasi	1 July 2025 – 31 December 2025
Kalimantan	Howe	1 July 2025 – 31 December 2025
Kalimantan	Boomcarwash	1 August 2025 – 31 December 2025
Kalimantan	CV Bintang Motor Sejahtera (Banjar Ayani)	1 August 2025 – 31 December 2025
Kalimantan	Sinar Mas	1 August 2025 – 31 December 2025

b. Non-Automotive Category:

REGION	MERCHANT	PROGRAM PERIOD
Kalimantan	Mini Market Woman	21 July 2025 – 31 December 2025
Kalimantan	Bakso 21	1 July 2025 – 31 December 2025
Kalimantan	Toko Ega Jaya Elektronik	11 July 2025 – 31 December 2025
Kalimantan	Apotek Pelangi Kasih	1 July 2025 – 31 December 2025
Kalimantan	RM Aliong	1 July 2025 – 31 December 2025
Kalimantan	Decafe Klandasan	21 July 2025 – 31 December 2025
	Decafe Siloam	21 July 2025 – 31 December 2025
	Decafe Express	21 July 2025 – 31 December 2025
	Decafe Samarinda	21 July 2025 – 31 December 2025
	Decafe Samarinda	21 July 2025 – 31 December 2025
	Decafe RSPB Balikpapan	21 July 2025 – 31 December 2025
	Decafe Balikpapan	21 July 2025 – 31 December 2025
	Decafe Samarinda	21 July 2025 – 31 December 2025
	Mantau Kepiting	21 July 2025 – 31 December 2025
	Bluesky Mantau Kepiting	21 July 2025 – 31 December 2025
	Mantau Kepiting Bandara Sepinggan Balikpapan	21 July 2025 – 31 December 2025
Kalimantan	CV Jaya Makmur / JM Depo Bangunan	1 August 2025 – 31 December 2025
Kalimantan	CV Fajar Mulia Abadi (Mini Market Fajar Selor)	1 August 2025 – 31 December 2025
Kalimantan	Anugrah Jaya Mandiri	1 August 2025 – 31 December 2025
Kalimantan	Grand Surya Ritelindo	1 August 2025 – 31 December 2025
Kalimantan	Grand Surya Hotelindo	1 August 2025 – 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.

General Terms and Conditions For Prize Distribution

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
Kalimantan	PT Sukses Perkasa Abadi (Toko Carin Gunawan)	Jl. Pandjaitan gg. Mario kel. lempake Samarinda	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	BOMC Variasi	1. Jl. Raya A Yani Km 1 Banjarmasin 2. Jl. Raya A Yani Km 8 Banjarmasin 3. Jl. Raya A Yani Km 10 Banjarmasin 4. Jl. Raya A. Yani Km 19 Banjarmasin	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	CV Tunas Inti (Toko Tunas Inti)	Jl.Gajah Mada No 33 Pontianak	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Bengkel Garuda Sakti Auto	Perum Bukit Damai Sentosa 2 blok B no 19B , Sungai Nangka, Balikpapan	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Next Car Wash & Café	Jl. Ayani Km 7 kelurahan Pemurus Luar, Kecamatan kertak hanyar, Kalimantan Selatan	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Bengkel Prima Motor 1	1. Jl Raya Sosok Ngabang Simpang 4 No 1 Jelimpo Kab. Landak 2. Jl M.T Haryono BTN Cipta Mandiri 1Ruko Blok No A8 RT001 Kel. Sengkuang, Kab. Sintang	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Bolt Serdam	Jl. Sungai Raya Dalam Ruko Family Indah No A1	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Mojopahit Motor	Jl IR. PM Noor No 42 Sungai Ulin Banjar Baru	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Indotama Variasi	Jl. K.H Wahid Hasyim No 189 Pontianak	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Howe	Jl Arteri Supadiyo Blok A No. 12 B Pontianak	Cashback 100% Up to IDR 150,000	333 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Boomcarwash	JL. Yos Sudarso Tarakan	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	CV Bintang Motor Sejahtera (Banjar Ayani)	JL.Bina putra RT 11 RW 03 , Guntung payung, Landasan ulin, Banjarbaru	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Sinar Mas	Jl. Gajah Mada No 243-245 Pontianak	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
Kalimantan	Mini Market Woman	Jl. Mayjend Sutoyo, Paya Kumang, Delta Pawan, Ketapang	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Bakso 21	Jl. Niaga Kel. Melayu Kec. Singkawang Barat	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Toko Ega Jaya Elektronik	Jl. H.R Rahman No 112 B, Pontianak	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Apotek Pelangi Kasih	Jl Pangeran Natakusuma No. 159 Sungai Bangkong Kec. Pontianak Kota	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	RM Aliong	Jl. Sama sama Kel. Pasiran Kec. Singkawang Barat	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Decafe Klandasan	Jl. Jend Sudirman No. 11 Ruko Bandar Balikpapan	Cashback 100% Up to IDR 25,000	400 Transactions	Maximum of one (1) Prize per customer during the program period
	Decafe Siloam	Jl. MT. Haryono No. 23 Balikpapan
	Decafe Express	Jl. Letjen Suprapto No. 1 Balikpapan
	Decafe Samarinda	Jl. Niaga Timur No. 130 Samarinda Lt. 1
	Decafe Samarinda	Jl. Niaga Timur No. 130 Samarinda Lt. 3
	Decafe RSPB Balikpapan	Jl. Jend. Sudirman No.1 Balikpapan
	Decafe Balikpapan	Jl. Jend Sudirman No. 11 Ruko Bandar Balikpapan
	Decafe Samarinda	Jl. Niaga Timur No. 130 Samarinda Lt. 1
	Mantau Kepiting	Jl. Marsma R. Iswahyudi Raya No. 53 Balikpapan
	Bluesky Mantau Kepiting	Jl. Marsma R. Iswahyudi Raya Balikpapan
	Mantau Kepiting Bandara Sepinggan Balikpapan	Jl. Marsma R. Iswahyudi Raya Balikpapan
Kalimantan	CV Jaya Makmur / JM Depo Bangunan	Jl. Sengkawit Tanjug Selor	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	CV Fajar Mulia Abadi (Mini Market Fajar Selor)	Jl. Kolonel Soetadji Tanjung Selor	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Anugrah Jaya Mandiri	Jl. A Wahab Syahrani no 52 Batu Ampar , Balikpapan Utara	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Grand Surya Ritelindo	1. Jl. Surya gandamana Kotabaru, 2. Jl. Singabana Kotabaru 3. Jl. Raya Kampung Baru Batulicin 4. Jl. Transmigrasi Plajau Batulicin Tanah Bumbu	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Kalimantan	Grand Surya Hotelindo	Jl. Surya Gandamana Kotabaru	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.