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 – Sumatera (Lampung, Sumatera Selatan, Kepulauan Riau, Jambi, Sumatera Barat, Bengkulu and Bangka Belitung) (“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
Sumatra	PD Anugrah Jaya BD	21 July 2025 – 31 December 2025
Sumatra	MB Sumber Rezeki Bisa	21 July 2025 – 31 December 2025
Sumatra	3S Auto Detail Garuda	21 July 2025 – 31 December 2025
Sumatra	Oto Jaya Car Wash	21 July 2025 – 31 December 2025
Sumatra	Toko Sumber Ban	21 July 2025 – 31 December 2025
Sumatra	Cakrawala Ban Katamso	1 August 2025 – 31 December 2025
Sumatra	Toko Kencana Motor	1 August 2025 – 31 December 2025
Sumatra	Berkah Bersaudara Tekhnik	1 August 2025 – 31 December 2025
Sumatra	Reyhan Sumber Ban	1 August 2025 – 31 December 2025
Sumatra	Bengkel Bsr Talang Padang	1 August 2025 – 31 December 2025
Sumatra	Duta Motor Gd	1 August 2025 – 31 December 2025
Sumatra	Anugrah Jaya Abadi Ban	1 August 2025 – 31 December 2025
Sumatra	Sim Motor	1 August 2025 – 31 December 2025

b. Non-Automotive Category

REGION	MERCHANT	PROGRAM PERIOD
Sumatra	Three Crowns PLG	21 July 2025 – 31 December 2025
Sumatra	Masaya Pringsewu	21 July 2025 – 31 December 2025
Sumatra	WW Ponsel Hangtuah	21 July 2025 – 31 December 2025
Sumatra	Empek-Empek Bu Tuti	21 July 2025 – 31 December 2025
Sumatra	Asia Elektrikal /CV Asia Elektrikal Mandiri	21 July 2025 – 31 December 2025
Sumatra	Pondok Miso	21 July 2025 – 31 December 2025
Sumatra	Pasar Buah Pekanbaru & Pasar Buah Nangka	21 July 2025 – 31 December 2025
Sumatra	Local Pantry	21 July 2025 – 31 December 2025
Sumatra	Istana Steam	1 August 2025 – 31 December 2025
Sumatra	Swalayan Stabat City	16 August 2025 – 31 December 2025
Sumatra	Ayam Petelur Tan Po Tjui	16 August 2025 – 31 December 2025
Sumatra	Toko Gita	16 August 2025 – 31 December 2025
Sumatra	Elektronik SJS	16 August 2025 – 31 December 2025
Sumatra	Furniture SJS	16 August 2025 – 31 December 2025
Sumatra	SM Beauty Studio	1 September 2025 – 31 December 2025
Sumatra	Labelle	1 September 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
Sumatra	PD Anugrah Jaya BD	Jl. Veteran No 5953 Palembang	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	MB Sumber Rezeki Bisa	1. Jl. Jend. Sudirman Pringsewu 2. Jl. Ahmad Yani Kalirejo 3. Jl. Raden Intan Talang Padang	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	3S Auto Detail Garuda	Jl. Garuda No. 70, Labuh Baru Timur, Pekanbaru	Cashback 100% Up to IDR 50.000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Oto Jaya Car Wash	Jl. Jendral Sudirman No. 88 Pringsewu	Cashback 100% Up to IDR 50.000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Toko Sumber Ban	1. Jl Jend. Sudirman No.22 Blok A-B, Kel. Pahlawan, Kec. Kemuning, Palembang, Sumatra Selatan, 30129 2. Jl Diponegoro No.73 A/B, Kel. Gulak Galik, Kec. Teluk Betung Utara, Bandar Lampung, 35212 3. Jl Ratu Dibalau No.161, Kel. Tanjung Senang, Kec. Tanjung, Bandar Lampung, 35141 4. Jl Prof. Dr. Moh. Yamin No.18 A-C, Kel. Payo Lebar, Kec. Jelutung, Jambi, 36124 5. Jl Alang-Alang Lebar No.1-2 Km 12, Kel. Sukodadi, Kec. Sukarami, Palembang, 30961 6. Jl Brigjen Hasan Kasim No.1, Kel. 2 Ilir, Kec. Kalidoni, Palembang, 30114 7. Jl Soekarno Hatta No.18, Kel. Siring Agung, Kec. Ilir Barat I, Palembang, 30153 8. Jl Jend Basuki Rachmat No.903, Kel. Ario Kemuning, Kec. Kemuning, Palembang, 30127	Cashback 100% Up to IDR 250.000	200 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Cakrawala Ban Katamso	Jl. Brigjend Katamso No.785	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Toko Kencana Motor	1. Jl D.I. Panjaitan No. 02 RT. 06, Kel. Kebun Handil, Kec. Jelutung- Kota Jambi 2. Jl. Sentot Alibasa No. 33, Kel. Selincah - Jambi	Cashback 100% Up to IDR 150.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Berkah Bersaudara Tekhnik	Tambahsari, Gading Rejo, Pringsewu	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Reyhan Sumber Ban	Jl. Jend Sudirman No. 69, Pringsewu Barat, Pringsewu 35372 Lampung	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Bengkel Bsr Talang Padang	Jl. Raden Intan Suka Negri Jaya, Kec. Talang Padang, Kab. Tanggamus 35377 Lampung	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Duta Motor Gd	JL Raya Pasar Gading Rejo No. 2227, Wonodadi, Gading Rejo, Kec. Pringsewu, Kabupaten Pringsewu, Lampung	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Anugrah Jaya Abadi Ban	Jl. Laksamana Malahayati No 6-8, Simpang Tiga, Kec. Bumi Waras, Kota Bandar Lampung, Lampung	Cashback 100% Up to IDR 250.000	60 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Sim Motor	Jl Dobi No. 31 Padang	Cashback 100% Up to IDR 150.000	100 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
Sumatra	Three Crowns PLG	Jl Bambang Utoyo No 50 Palembang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Masaya Pringsewu	Jl. Ahmad Yani, Sidoharjo, Pringsewu 35373 Lampung	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	WW Ponsel Hangtuah	Jl. Hangtuah No. 148 AB – Pekanbaru – Riau	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Empek-Empek Bu Tuti	Jl. Riau, Komplek Riau Bisnis Center RT 005 RW 001, Air Hitam, Payung Sekaki Pekanbaru	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Asia Elektrikal /CV Asia Elektrikal Mandiri	Jl. Sudirman No 15, Pesisir, Lima Puluh, Kota Pekanbaru	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Pondok Miso	Jl. Mahardika Blk. E No.1, Tampan, Kec. Payung Sekaki	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Pasar Buah Pekanbaru & Pasar Buah Nangka	1. Jl Jendral Sudirman No 94, RT/RW 03/02, Kec. Senapelan, Kel. Sago, Pekanbaru, Riau 2. Jl. Tuanku Tambusai, Kec. Marpoyan Damai, Kel. Wonorejo, Pekanbaru, Riau	Cashback 100% Up to IDR 25.000	400 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Local Pantry	Jl Riau, Komplek RBC No 12 12a-14. Pekanbaru	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Istana Steam	Jl. Demang Lebar Daun 2312, Kel. Demang Lebar Daun, Kec. Ilir Barat I Palembang	Cashback 100% Up to IDR 50.000	300 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Swalayan Stabat City	Jl Kh Zainul Arifin, Komplek Stabat City, Kel Stabat Baru, Kec Stabat, Kab Langkat - Sumatra Utara	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Ayam Petelur Tan Po Tjui	Dusun II Kel.Denai Kuala Kec.Pantai Labu Deli Serdang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Toko Gita	Jl. Beringin I Dusun VIII Deli Serdang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Elektronik SJS	Jl Jhoni Anwar No. 1 RT 000/000 Kel Kampung Lapai Kec Nanggalo, Padang	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Furniture SJS	Jl Jhoni Anwar No. 1 RT 000/000 Kel Kampung Lapai Kec Nanggalo, Padang	Cashback 100% Up to IDR 25.000	100 Transactions
Sumatra	SM Beauty Studio	Jl. Jend. Sudirman No. 567, Kel. Thehok, Kec. Jambi Selatan - Jambi	Cashback 100% Up to IDR 25.000	100 Transactions	Maximum of one (1) Prize per customer during the program period
Sumatra	Labelle	Jln. HMO Bafadhal no.74. Cempaka Putih Jelutung Jambi	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.