Cashback 100% Up to IDR 250K - Bali dan Nusa Tenggara Timur

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 – Bali & Nusa Tenggara (“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
Bali	V Kool	21 July 2025 – 31 December 2025
Bali	Red Car	21 July 2025 – 31 December 2025
Bali	Zona Motor	21 July 2025 – 31 December 2025
Bali	Car – X Wash & Details Mas	21 July 2025 – 31 December 2025
Bali	PAG	21 July 2025 – 31 December 2025
Bali	Kawi Yasa Motor	21 July 2025 – 31 December 2025
Bali	Bali Autoklin	21 July 2025 – 31 December 2025
Bali	XTO Car Care Bali	21 July 2025 – 31 December 2025
Bali	Nusa Dua Indah Motor	16 August 2025 – 31 December 2025
Nusa Tenggara	Bengkel Dunia Auto Service	21 July 2025 – 31 December 2025
Nusa Tenggara	CV. Evo Tyre Auto Service	21 July 2025 – 31 December 2025
Nusa Tenggara	CV Auto Mandiri Perkasa	1 August 2025 – 31 December 2025

b. Non-Automotive Category:

REGION	MERCHANT	PROGRAM PERIOD
Bali	Bintang Supermarket	21 July 2025 – 31 December 2025
Bali	7 AM Bakery	21 July 2025 – 31 December 2025
Bali	Jurocakes	21 July 2025 – 31 December 2025
Bali	Jegeg Underwear	21 July 2025 – 31 December 2025
Bali	Wash It	21 July 2025 – 31 December 2025
Bali	Little Havana Bali	21 July 2025 – 31 December 2025
Bali	PT. Transindo Equatorial (Puri Wulandari)	21 July 2025 – 31 December 2025
Bali	PT Bali Food Lestari (Sushi Kyuden dan Tom Sushi)	21 July 2025 – 31 December 2025
Bali	Beach Bowl Bali (Kuta dan Seminyak)	21 July 2025 – 31 December 2025
Bali	Yogurt Republic (Seminyak, Legian, Ubud, Berawa)	21 July 2025 – 31 December 2025
Nusa Tenggara	Paradox Coffee & Roastery	21 July 2025 – 31 December 2025
Nusa Tenggara	PT. Ruby Starindo	21 July 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
Bali	V Kool	Jl. Mahendradata Selatan No. 11 Pemecutan Kelod, Denpasar Barat	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Red Car	1. Jl. By Pass Ngurah Rai No. 241, Sanur Denpasar Selatan, 2. Jl. Sari Gading No. 24 Denpasar, 3. Jl. Tukad Musi I Timur No. 7 Denpasar	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Zona Motor	Jl. Sutomo No. 29A Pemecutan, Denpasar	Cashback 100% Up to IDR 200,000	75 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Car – X Wash & Details Mas	Jl. Ambarwati No. 320, Mas, Ubud, Gianyar	Cashback 100% Up to IDR 25,000	600 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	PAG	Jl. Ahmad Yani Utara No. 999 Denpasar, Bali	Cashback 100% Up to IDR 200,000	75 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Kawi Yasa Motor	Jl. By Pass Ngurah Rai No. 122, Nusa Dua Bali	Cashback 100% Up to IDR 250,000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Bali Autoklin	Jalan Buluh Indah No 6 Denpasar	Cashback 100% Up to IDR 25,000	600 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	XTO Car Care Bali	Jl. Ahmad Yani Utara No. 329 Denpasar, Bali	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Supercar Bali	Jl. Gatot Subroto Timur, Denpasar	Cashback 100% Up to IDR 50,000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Nusa Dua Indah Motor	Jl. By Pass Ngurah Rai No.90 Mumbul Badung Kuta Selatan	Cashback 100% Up to IDR 150,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Nusa Tenggara	Bengkel Dunia Auto Service	Jalan Piet A Tallo, Kelapa Lima, Kupang	Cashback 100% Up to IDR 200,000	75 Transactions	Maximum of one (1) Prize per customer during the program period
Nusa Tenggara	CV. Evo Tyre Auto Service	Jl. Palapa No. 21 Kupang	Cashback 100% Up to IDR 250,000	200 Transactions	Maximum of one (1) Prize per customer during the program period
Nusa Tenggara	CV Auto Mandiri Perkasa	Jl. Bundaran PU TDM 3, Kupang	Cashback 100% Up to IDR 200,000	75 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
Bali	Bintang Supermarket	Jl. Hayam Wuruk no 177 Denpasar	Cashback 100% Up to IDR 25,000	400 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	7 AM Bakery	1. 7 AM Pererenan - Jalan Pantai Pererenan No. 164 , Pererenan Badung 2. 7 AM Kerobokan - Jalan Bumbak Dauh No. 88 Kerobokan Badung 3. 7 AM Ubud - Jalan Raya Pengosekan No. 213 B Ground Floor, Mas Ubud	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Jurocakes	Jl. Sanur Beach Street Walk, Sanur Kaja, Denpasar Selatan, Denpasar - Bali	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Jegeg Underwear	1. Jegeg Supratman - J. WR Supratman Kesiman, Kesiman Petilan, Denpasar Timur 2. Jegeg Sidakarya - Jl. Bedugul No. 45 Sidekarya, Denpasar Selatan 3. Jegeg Ahmad Yani - Jl. Ahmad Yani Utara No. 213 Peguyangan , Denpasar Utara. 4. Jegeg Sukawati- Jl. Raya Sukawai X75, Sukawati, Gianyar. 5. Jegeg Gianyar - Jl. Kesatrian No. 21, Abianbase , Ginayar 6. Jegeg Peliatan - Jl.Cok Gede Rai No. 33 , Peliatan , Ubud, Gianyar	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Wash It	Jl. Hayam Wuruk No. 245 Sumerta Kelod, Denpasar	Cashback 100% Up to IDR 20,000	125 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Little Havana Bali	Jl. Batu Bolong No.8 Canggu Kuta Utara Badung bali	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	PT. Transindo Equatorial (Puri Wulandari)	Jl. Raya Kedewatan Banjar Tanggayuda, Kedewatan, Kecamatan Ubud, Kabupaten Gianyar, Bali 80571	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	PT Bali Food Lestari (Sushi Kyuden dan Tom Sushi)	Jl. Sunset Road No.99, Kuta, Kec.Kuta, Kabupaten Badung dan Icon Mall Sanur	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Beach Bowl Bali (Kuta dan Seminyak)	Jl. Benesari, Pantai Kuta, Kec Kuta, Kab Badung, Bali 80361	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Yogurt Republic (Seminyak, Legian, Ubud, Berawa)	Gosha Plaza, Jl. Camplung Tanduk No. 9 Unt 8, Seminyak, Kuta, Bali 80361	Cashback 100% Up to IDR 25,000	125 Transactions	Maximum of one (1) Prize per customer during the program period
Bali	Smile Kimbab Paiks Noodle	1. Paiks noodle Living Denpasar, Living World Jln Jend Gatot Subroto Timur Lt LG Denpasar Bali 80235 2. Paiks Noodle Beachwalk Bali, Beach Walk Shopping Center Jln Pantai Kuta Level 2 Kuta 80361	Cashback 100% Up to IDR 25,000	100 Transactions* *Transaction quota is shared with the branches in Jabodetabek	Maximum of one (1) Prize per customer during the program period
Nusa Tenggara	Paradox Coffee & Roastery	Jl. W. J. Lalamentik No. 123, Oebufu, Kecamatan Oebobo, Kupang	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Nusa Tenggara	PT. Ruby Starindo	Jl. Pejanggik No.111 F, Cakrenagara Mataram	Cashback 100% Up to IDR 25,000	100 Transactions	Maximum of one (1) Prize per customer during the program period
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

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.