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 – East Java (“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 (“Periode Program”) are as follows:

a. Automotive Category:

REGION	MERCHANT	Program Period
Sulawesi	Bengkel Karya Mandiri	21 July 2025 – 31 December 2025
Sulawesi	CV Sinar Alam Motor & Sinar Alam Pratama	21 July 2025 – 31 December 2025
Sulawesi	CV Sinar Alam Motor & Sinar Alam Pratama	21 July 2025 – 31 December 2025
Sulawesi	Platz Car Wash	21 July 2025 – 31 December 2025
Sulawesi	CV Sinar Alam Pratama Urip	21 July 2025 – 31 December 2025
Sulawesi	Oli Motor	21 July 2025 – 31 December 2025
Sulawesi	Gosyen Sukses M Mart	21 July 2025 – 31 December 2025
Sulawesi	CV Adiatma Motor	21 July 2025 – 31 December 2025
Sulawesi	Bengkel Karya Mandiri	21 July 2025 – 31 December 2025
Sulawesi	Planet Motor	21 July 2025 – 31 December 2025
Sulawesi	Prima Jaya Motor	21 July 2025 – 31 December 2025
Sulawesi	Bengkel Mahaputra	21 July 2025 – 31 December 2025
Sulawesi	PT Hasil Abadi Lancar (Maju Ban)	21 July 2025 – 31 December 2025
Sulawesi	Auto Clean Car Wash	21 July 2025 – 31 December 2025
Sulawesi	Suraco Jaya Abadi Motor	16 August 2025 – 31 December 2025

b. Non-Automotive Category

REGION	MERCHANT	Program Period
Sulawesi	Donal Son	21 July 2025 – 31 December 2025
Sulawesi	RM Losari	21 July 2025 – 31 December 2025
Sulawesi	Codas	21 July 2025 – 31 December 2025
Sulawesi	Golden Bakery Hasanuddin	21 July 2025 – 31 December 2025
Sulawesi	Golden Bakery Masjid Raya & Towua	21 July 2025 – 31 December 2025
Sulawesi	RM Hongkong	21 July 2025 – 31 December 2025
	Panbakers Living Plaza	21 July 2025 – 31 December 2025
	Panbakers Latimojong	21 July 2025 – 31 December 2025
Sulawesi	Numericca 29	21 July 2025 – 31 December 2025
	MEIJI Sushi - Teppanyaki – Grill	21 July 2025 – 31 December 2025
	Kaya Rempah	21 July 2025 – 31 December 2025
	Kyouchii	21 July 2025 – 31 December 2025
	Bello Gelato	21 July 2025 – 31 December 2025
	RM Sandeq	21 July 2025 – 31 December 2025
Sulawesi	PT. Sinar Telaga Mantap Jaya (Muraa Supermarket)	21 July 2025 – 31 December 2025
Sulawesi	Tsuki Matcha Shop	1 August 2025 – 31 December 2025
Sulawesi	RM San San	16 August 2025 – 31 December 2025
Sulawesi	Black Canyon Coffee	16 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.

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
Sulawesi	Bengkel Karya Mandiri	1. Jl. Raya Bangkingan No.16, Kec Lakarsantri, Surabaya 2. Jl. Toddopuli Raya 10 No.28, Makassar	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	CV Sinar Alam Motor (Sinar Alam Motor)	Jl Bandang No.147-149 Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	CV Sinar Alam Pratama (Sinar Alam Pratama)	Jl. Mesjid Raya No.178 Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Platz Car Wash	Jl Veteran Utara No 176 Makassar	Cashback 100% Up to IDR 50.000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	CV Sinar Alam Pratama Urip (Sinar Alam Pratama Urip)	Jl. Jend. Urip Sumiharjo No. 14 Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Oli Motor	Jl. Bulusaraung No. 155-157 Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Gosyen Sukses M Mart	Jl Towua No. 07 Palu	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	CV Adiatma Motor	Jl Dewi Sartika No 19 Palu	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Planet Motor	JL. Toddopuli Raya Timur No 171 Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Prima Jaya Motor	Jl. Tinumbu No.8 A Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Bengkel Mahaputra	1. Jl. Bandang No. 33, Makassar 2. Jl. Perintis Kemerdekaan Tunas Jaya No. 1 3. Jl. Sultan Alaudin 01, Makassar 4. Jl. Pettarani No. 53, Makassar 5. Jl. Aroepala, Makassar	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Auto Clean Car Wash	Jl. Pettarani Komp IDI Blok G7 No.2 Makassar	Cashback 100% Up to IDR 50.000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	PT Hasil Abadi Lancar (Maju Ban)	Jl. Bandang No 182 Makassar	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Suraco Jaya Abadi Motor	Jl. Tamangapa Raya No. 08 Jl. Arief Rate No. 8 Jl. Batua Raya No. 51b - 51d Jl. Sungai Preman No. 33 - 35 Belopa Jl. Poros Palopo - Makassar, Komba, Kec. Larompong Sel., Kab. Luwu, Sulawesi Selatan 91997 Jl. Poros, Padang Sappa, Kec. Ponrang, Kab. Luwu, Sulawesi Selatan 91999 Jl. Poros Palopo, Siwa, Kec. Pitumpanua, Kab. Wajo, Sulawesi Selatan Jl. Ahmad Yani No. 16, Kel. Jeppe'e Kec. Tr Barat Jl. Poros Sinjai - Watampone, Tarasu, Kec. Kajuara, Kab. Bone, Sulawesi Selatan 92777 Jl. A. Page, Palattae, Kec. Kahu, Kab. Bone, Sulawesi Selatan 92767 Jl. Poros Bone Sinjai, Kel. Mare Kec. Mare Jl. Poros Bone - Wajo, Kec. Tellu Siattinge Jl. Perintis Kemerdekaan Km. 13 Makassar Jl. Poros Btp - Samping Pasar Kanal Blok. L Jl. Paccerakkang, Paccerakkang, Kec. Biringkanaya, Kota Makassar, Sulawesi Selatan 90241 Jl. H. Abd.Syakur Jl. Ahmad Kirang Tasiu, Kalukku, Kec. Kalukku, Kab. Mamuju, Sulawesi Barat 91561 Tobadak 2, Desa Mahahe Kec. Tobadak, Mamuju Tengah Jl. Poros Trans Sulawesi, Jl. Poros Majene - Mamuju Depan Tugu Benteng, Tobadak, Kec. Tobadak, Kab. Mamuju Tengah, Sulawesi Barat 91563 Jl. Trans Sulawesi, Desa Beringin Jaya Kec. Tomoni Jl. Trans Sulawesi No.44, Jalajja, Kec. Burau, Kab. Luwu Timur, Sulawesi Selatan 92975 Jl. Ahmat Yani Poros Wawondula - Timampu, Desa Pekaloa Kec. Towuti Kab. Luwu Timur Jl. Jend. Sudirman No. 13 - 14 Jl. Poros Palopo - Makassar, Bontoa, Kec. Mandai, Kab. Maros, Sulawesi Selatan 90552 Jl. Poros Kariango Km 8 No. 28 B, Bonto Matene, Mandai, Maros Regency, South Sulawesi 90552 Jl. Muh. Hatta Ruko Al No. 10 - 11 Jl. Trans Sulawesi, Salassa, Kec. Baebunta, Kab. Luwu Utara, Sulawesi Selatan 92965 Jl. Trans Sulawesi, Patoloan, Kec. Bone-Bone, Kab. Luwu Utara, Sulawesi Selatan Jl. Pramuka - Mataram, Desa, Sukamaju, Kec. Sukamaju, Kab. Luwu Utara, Sulawesi Selatan 92963 Jl Mesjid Raya No 17 Jl. Kelapa No. 9, Dangerakko, Kec. Wara, Kota Palopo, Sulawesi Selatan 91911 Jl. Poros Limbung No.33, Kab.Gowa Jl. Malino, Romang Lompoa, Kec. Bontomarannu, Kab. Gowa, Sulawesi Selatan 92171 Ruko Bumi Pallanga Mas, Jl. Pallanga Raya - Bontoala, Kec. Pallangga, Kab. Gowa, Sulawesi Selatan 92111 Jl. Sultan Hasanuddin, Kel. Paddoang Doangan Kec. Pangkajene Jl. Poros Labakkang, Kel. Bacoapi Kec. Labakkang Jl. Kemakmuran No. 16 - 18, Mappasaile, Kec. Pangkajene, Kab. Pangkajene Dan Kepulauan, Sulawesi Selatan 90614 Jl. Pramuka - Minasa Tene, Kec. Minasatene, Kab. Pangkajene Dan Kepulauan, Sulawesi Selatan 90614 Rubae - Jl. Poros Pare, Kel. Bentengnge Kec. Watang Sawitto Kab. Pinrang Jl. Poros Pinrang - Parepare, Pananrang, Kec. Mattiro Bulu, Kab. Pinrang, Sulawesi Selatan 91271 Jl. Poros Pinrang Rappang, Mattiro Deceng, Kec. Tiroang, Kab. Pinrang, Sulawesi Selatan 91256 Jl. Riburane No. 5 Jl. A.P. Pettarani No. 18, Makassar 90222 Jl. Daeng Tata Raya Parang Tambung, Kec. Tamalate, Kota Makassar, Sulawesi Selatan 90224 Jl. Dr. Ratulangi No. 85 Jl. Poros Lamasi, Desa Wiwitan Timur Jl. Pongtiku No. 424, Makale Utara Jl. Ichwan No. 118, Tondon Mamullu, Kec. Makale, Kab. Tana Toraja, Sulawesi Selatan 91817 Jl. A. Magga Amirullah No. 12 Jl. A. Paggaru Sengkang No. 21 - 23 Jl. A. Malingkaan Impa-Impa, Desa Pakkanna Kec. Tanasitolo Kab. Wajo Jl. Jendral Sudirman No. 286, Kel. Majelling Wattang Kec. Maritengngae Kab. Sidenreng Rappang Jl. Poros Pare-Pare - Pangkajene, Kalola, Kec. Watang Pulu, Kab. Wajo, Sulawesi Selatan Jl. Poros Pinrang Rappang, Rappang, Kec. Panca Rijang, Kab. Sidenreng Rappang, Sulawesi Selatan Jl. Sengkang, Tanru Tedong, Kec. Duapitue, Kab. Sidenreng Rappang, Sulawesi Selatan 91681 Jl. Perintis Kemerdekaan Km 17, Ruko Jl. Citra Sudiang Indah No. 7 - 9 Jl. Laikang No. 5 Jl. Sultan Hasanuddin No. 34 A Jl. Usman Salengke No.12 A, Sungguminasa, Kec. Somba Opu, Kab. Gowa, Sulawesi Selatan 92113 Jl. Jendral Sudirman Komp. Ruko Istana Pattalassang No. 1h/1j Jl. Poros Galesong Utara, Galesong Baru, Kec. Galesong, Kab. Takalar, Sulawesi Selatan 92255 Jl. Poros Palleko Takalar, Palleko, Kec. Polombangkeng Utara, Kab. Takalar, Sulawesi Selatan 92221 Jl. Lanto Dg Pasewang Kel. Bontotangnga Kec. Tamalatea Kab. Jeneponto Jl. Sam Ratulangi, Caile, Kab. Bulukumba, Sulawesi Selatan Jl. Poros Bira Bulukumba, Dannuang, Kec. Ujung Loe, Kab. Bulukumba, Sulawesi Selatan 92661 Jl. Jendral Sudirman Jl. Ahmad Yani Mamasa, Kec. Mamasa, Kab. Mamasa, Sulawesi Barat 91365	Cashback 100% Up to IDR 150.000	333 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
Sulawesi	Donal Son	1. Jl Sulawesi No. 97, Makassar 2. Jl Pengayoman No 2 Blok F9, Makassar 3. Jl Perintis Kemerdekaan KM11 No.8 Makassar	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	RM Losari	1. Jl Lamaddukelleng No. 29, Makassar 2. Jl. Opu Dg Risadju No.11 Makassar	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Codas	Jl. Abdullah Daeng Sirua No. 10 Masale - Panakkukang Makassar	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Golden Bakery Hasanuddin	Jl Hasanuddin No 53, Palu	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Golden Bakery Masjid Raya & Towua	1. JL. Mesjid Raya no 3, Lolu Utara, Palu Selatan, 94135 2. Jl. Towua No 7B, Palu	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	RM Hongkong	Jl. Timor No.69 Makassar	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Panbakers Living Plaza	AZKO Living Plaza Pettarani, Kav. 1, Jl. A. P. Pettarani No.3, Tidung, Kec. Rappocini, Kota Makassar, Sulawesi Selatan 90222	Cashback 100% Up to IDR 25.000	400 Transactions
	Panbakers Latimojong	Jl. Gunung Latimojong No.140, Maradekaya Sel., Kec. Makassar, Kota Makassar, Sulawesi Selatan 90141
	Numericca 29	Jl. Botolempangan No.29, Sawerigading, Kec. Makassar, Kota Makassar, Sulawesi Selatan 90115
	MEIJI Sushi - Teppanyaki – Grill	Jl. Muchtar Lutfi No.15, Maloku, Kec. Ujung Pandang, Kota Makassar, Sulawesi Selatan 90111			Maximum of one (1) Prize per customer during the program period
	Kaya Rempah	Jl. Letjen Hertasning Baru, Kec. Rappocini, Kota Makassar, Sulawesi Selatan 90222
	Kyouchii	Jl. Sungai Saddang Lama No.15, South Pisang, Ujung Pandang, Kota Makassar, Sulawesi Selatan 90141
	Bello Gelato	1. Jln. Botolempangan No.29 2. Trans Studio Mall Makassar Lantai 1
	RM Sandeq	Jl. Pengayoman, Bua Kana, Kec. Rappocini, Kota Makassar, Sulawesi Selatan
Sulawesi	PT. Sinar Telaga Mantap Jaya (Muraa Supermarket)	1. Jl. AA Wahab No. 7, Kab Gorontalo 2. Jl. Kalimantan, Kel Dulalowo, Kec Kota Tengah, Gorontalo	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Tsuki Matcha Shop	Jl Zebra No 53 Palu	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	RM San San	Jl Metro Tanjung Bunga Blok A 15 Makassar	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sulawesi	Black Canyon Coffee	Jalan Letjen Hertasning No. 38 Makassar	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.