Cashback QRIS MCC

The Program runs from 5 October to 31 December 2026 (“Program Period”).

Customers eligible to participate in the Program must meet the following criteria:

1. Customers who hold a Danamon savings account and/or an active Danamon Credit Card during the Program Period; and
2. Customers who have registered for and use the latest version of the D-Bank PRO app; and
3. The Program is also available to Bank Danamon employees.

Hereinafter referred to as the “Customer”.

1. Customers must read and understand these General Program Terms and Conditions.
2. Bank Danamon may reject or cancel a Customer’s participation in the Program if the Customer does not meet these General Program Terms and Conditions.
3. The Customer is fully responsible for any risk of loss, demand, legal action and/or claim arising from their participation in and/or cancellation of participation in the Program.
4. The Program offers a cashback reward under the following tiered scheme (“Cashback Reward”):
   1. Cashback of IDR 15,000 (fifteen thousand rupiah) with a minimum transaction amount of IDR 150,000 (one hundred and fifty thousand rupiah) per transaction; 
   2. Cashback of IDR 35,000 (thirty-five thousand rupiah) with a minimum transaction amount of IDR 250,000 (two hundred and fifty thousand rupiah) per transaction; and 
   3. Cashback of IDR 50,000 (fifty thousand rupiah) with a minimum transaction amount of IDR 500,000 (five hundred thousand rupiah) per transaction. 
5. The Program applies when a Customer makes a payment transaction at merchants under the Supermarket MCC (Yogya Supermarket, Hypermart, Superindo, or Hero Supermarket), Fuel MCC (BP, Shell, or Vivo), or Health & Beauty MCC (Watsons, Guardian, Sociolla, Century, Beautyhaul, or Sephora) using QRIS on D-Bank PRO, with a Danamon savings account and/or a Danamon Credit Card bearing the Visa, Mastercard, or JCB logo as the source of funds, and meeting the minimum transaction amount specified in the preceding point (“Transaction”).
6. The Program is available every Monday to Sunday from 10:00 a.m. to 10:00 p.m. Western Indonesia Time (WIB).
7. By making a Transaction in accordance with these General Program Terms and Conditions, the Customer is deemed to have read and understood them, agreed to participate in the Program and agreed to be bound by them. The Customer’s Transaction constitutes valid evidence of participation in the Program and agreement to be bound by these General Program Terms and Conditions.

1. Customers may receive the Cashback Reward subject to the following provisions:
   1. Each Customer Information File (CIF) is entitled to receive the Cashback Reward no more than once per tier per month during the Program Period. 
   2. The total Cashback quota for each tier is detailed below  (“Program Quota”):

      Cashback	Minimum Transaction	Monthly Quota	Total Quota
      IDR 15,000 (fifteen thousand rupiah)	IDR 150,000 (one hundred and fifty thousand rupiah)	900 (nine hundred) Transactions	2,700 (two thousand seven hundred) Transactions
      IDR 35,000 (thirty-five thousand rupiah)	IDR 250,000 (two hundred and fifty thousand rupiah)	900 (nine hundred) Transactions	2,700 (two thousand seven hundred) Transactions
      IDR 50,000 (fifty thousand rupiah)	IDR 500,000 (five hundred thousand rupiah)	850 (eight hundred and fifty) Transactions	2,550 (two thousand five hundred and fifty) Transactions
      Total		2,650 (two thousand six hundred and fifty) Transactions	7,950 (seven thousand nine hundred and fifty) Transactions

   3. Cashback is awarded subject to availability in the cashback tier corresponding to the Customer’s Transaction amount. If the quota for the relevant cashback tier has been exhausted, the Customer will not be eligible for cashback under that tier or any other cashback tier.
2. The Cashback Reward will be credited to the Customer’s savings account no later than 14 (fourteen) working days after the Transaction. If the Customer does not have a Danamon savings account, the Customer will not receive the Cashback Reward for the Transaction.
3. Customers are not charged a fee to participate in the Program.
4. The Customer understands and agrees that if the Program Quota is exhausted before the Program Period ends, the Customer will not receive the Cashback Reward.
5. Bank Danamon will remit any applicable tax withheld on the Cashback Reward to the relevant tax authority. The Customer is solely responsible for calculating and reporting tax on any Cashback Reward received, on a self-assessment basis.
6. If the Customer’s account used for the Transaction is inactive, blocked or otherwise unable to receive the Cashback Reward, the Customer acknowledges that the Cashback Reward cannot be granted.

1. Customers may submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or by email to hellodanamon@danamon.co.id, which is available 24 hours a day.
2. The customer complaint-handling procedure is available at https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The merchant’s products and/or services are neither products nor the responsibility of Bank Danamon and remain entirely the merchant’s responsibility. For any issues and/or complaints relating to the merchant’s products or services, Customers should contact the relevant merchant partner.
2. These General Program Terms and Conditions form an integral part of the “General Terms and Conditions of Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions of D-Bank PRO”. Those terms and conditions remain applicable unless otherwise stipulated in these General Program Terms and Conditions.
3. The Customer hereby agrees and acknowledges that Bank Danamon may revise, amend or supplement these General Program Terms and Conditions from time to time. Any revision, addition or update will be notified through Bank Danamon’s available communication channels. If there are changes to the benefits, risks, fees, terms or conditions under these General Program Terms and Conditions, the Customer may submit a written objection to Bank Danamon within 30 (thirty) working days from the date on which Bank Danamon gives notice through its communication channels. The Customer agrees that they will be deemed to have accepted the changes if they do not object within that period. If the Customer does not accept the changes, they may cancel their participation in the Program after first settling all obligations to Bank Danamon (if any). The Customer declares that there are no, and will be no, transactions suspected of involving money laundering and/or other transactions prohibited under applicable Indonesian laws and regulations.
4. The Customer agrees that Bank Danamon may cancel the Reward granted under the Program if the Customer does not meet these General Program Terms and Conditions.
5. If there are indications of fraud, deception and/or transaction irregularities, unusual transactions, money laundering and/or acts contrary to applicable laws and regulations, Bank Danamon may cancel the Transaction, cancel participation in the Program and/or cancel the Cashback granted to the Customer concerned. The Customer remains obliged to settle all obligations to Bank Danamon.
6. These General Program Terms and Conditions comply with applicable laws and regulations, including the regulations of the Financial Services Authority (OJK).
7. Bank Danamon is licensed and supervised by the Financial Services Authority (OOJK) and Bank Indonesia (BI), and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

Customers must beware of fraudsters claiming to represent Bank Danamon and promising Cashback in any form. Any fraud or other criminal act committed by another or third party in connection with, or in the name of, the Program is outside Bank Danamon’s authority.