Cashback CHF 20 with Danamon Global Currency Card Debit Card

The Program will run from 1 November 2026 through 30 April 2027 ("Program Period").

The Program is valid for Bank Danamon customers who meet all of the following criteria:

1. Have an active and unblocked Danamon LEBIH PRO Account;
2. Hold a Danamon Global Currency Card Debit Card with BIN number beginning with 541143 ("Card").

1. Cardholders must read and understand these General Program Terms and Conditions.
2. Danamon Bank reserves the right to reject or cancel a Cardholder's participation if the Cardholder does not meet the Program requirements.
3. Cardholders shall be fully responsible for all risks, losses, claims, lawsuits, and/or demands arising from their participation in and/or cancellation from the Program.
4. The Card that must be used by the Cardholder to participate in this Program is the Card referred to in Section II, point 2.
5. The Program is subject to the following conditions:
   1. The Cardholder must maintain an average monthly balance of CHF 0 (zero Swiss francs) in the Danamon LEBIH PRO account for every month from September 2026 until the calendar month preceding the month in which the Cardholder performs a CHF balance top-up to the Danamon LEBIH PRO account ("Top-Up") and conducts eligible purchase transactions under the Program.
   2. The Cardholder must perform a Top-Up and make purchase transactions using the Card at offline merchants in Switzerland in CHF currency within the same calendar month during the Program Period.
   3. Cardholders who accumulate purchase transactions of at least CHF 250 (two hundred fifty Swiss francs) within one calendar month at offline merchants in Switzerland during the Program Period shall be eligible to receive CHF 20 (twenty Swiss francs) cashback, provided all Program requirements are fulfilled.
   4. The accumulated purchase transactions referred to in point (c) shall be calculated based on successful transactions that have been posted in Bank Danamon's system during the relevant calendar month.
   5. The Program applies only to transactions at offline merchants and does not apply to transactions at online merchants.
   6. Cashback shall only be awarded to the first 300 (three hundred) eligible Cardholders throughout the entire Program Period who satisfy all Program requirements, based on the posting date and time of the transaction that causes the accumulated spending to reach at least CHF 250, as recorded in Bank Danamon's system.
   7. Cashback is not cumulative and/or multiplied; therefore, spending exceeding the minimum transaction amount specified above will not generate additional cashback.
   8. Each Cardholder is only entitled to receive cashback once during the entire Program Period, even if the Cardholder fulfills the Program requirements in more than one calendar month.
   9. The Cardholder understands and agrees that cashback will not be awarded if the transaction serving as the basis for cashback is cancelled, refunded, reversed, under dispute, deemed invalid, or indicated by Bank Danamon's verification to involve fraud or Program abuse.
   10. Bank Danamon reserves the right to reject or cancel the cashback award and/or terminate the Cardholder’s participation in the Program if Bank Danamon’s verification indicates Program abuse, invalid transactions, fraud, or violations of these Program Terms and Conditions. Any actions concerning transactions, Cards, or accounts shall be carried out in accordance with the relevant product terms and conditions and applicable laws and regulations. 
6. By conducting transactions in accordance with these General Program Terms and Conditions, Cardholders are deemed to have read, understood, and agreed to participate in the Program and be bound by these terms and conditions. Transactions made by the Cardholder shall serve as valid evidence of participation and acceptance of these Terms and Conditions.

1. Cardholders who fulfill the Program requirements shall be entitled to receive cashback as specified under the Program.

2. Cashback will be credited to the Cardholder’s Danamon LEBIH PRO account in CHF no later than 30 (thirty) working days after the end of the calendar month in which the Cardholder fulfills all Program requirements.

3. Bank Danamon will remit any applicable tax withholding arising from the cashback reward to the relevant tax authority. Matters relating to the calculation and reporting of taxes on cashback received by Program Participants shall be the sole responsibility of the Program Participants on a self-assessment basis.

The Cardholder will not receive cashback if:

1. The cashback quota has been exhausted even though the Program Period has not yet ended; or
2. The purchase transaction is cancelled, refunded, reversed, under dispute, deemed invalid, unsuccessful, or has not been posted in Bank Danamon’s system.

1. Existing Danamon LEBIH PRO Customers

   Scenario 1
   Existing Danamon LEBIH PRO customers who have not maintained any average CHF balance from September 2026 until the month preceding the transaction, and who perform both the CHF top-up and spending transactions within the same month during the Program Period.

   Month/ Year	Transaction Type	Date	Amount	Cumulative Spending	Average CHF Balance	Cashback Result
   Nov 2026	Top Up	4 Nov’26	CHF 300	CHF 0	CHF 0	Not eligible for CHF 20 cashback because top-up and spending transactions were not conducted within the same month
   	Purchase	5 Nov’26	CHF 60	CHF 60	CHF 0
   	Purchase	7 Nov’26	CHF 100	CHF 160	CHF 0
   	Purchase	10 Nov’26	CHF 90	CHF 250	CHF 0

   Scenario 2
   Existing Danamon LEBIH PRO customers who have maintained an average CHF balance from September 2026 until the month preceding the transaction, and who complete both top-up and spending transactions within the same month during the Program Period.

   Month/ Year	Transaction Type	Date	Amount	Cumulative Spending	Average CHF Balance	Cashback Result
   Nov 2026	Top Up	5 Nov’26	CHF 200	CHF CHF 0	CHF 100	Not eligible for CHF 20 cashback because the customer had an average CHF balance of CHF 100 before the transaction month.
   	Purchase	6 Nov’26	CHF 70	CHF CHF 70	CHF 100
   	Purchase	8 Nov’26	CHF 120	CHF 190	CHF 100
   	Purchase	12 Nov’26	CHF 75	CHF 265	CHF 100

   Scenario 3
   Existing Danamon LEBIH PRO customers who have not maintained any average CHF balance from September 2026 until the month preceding the transaction, but perform top-up and spending transactions in different months.

   Month/ Year	Transaction Type	Date	Amount	Cumulative Spending	Average CHF Balance	Cashback Result
   Nov 2026	Top Up	4 Nov’26	CHF 300	CHF 0	CHF 0	Not eligible for CHF 20 cashback because top-up and spending transactions were not conducted within the same month.
   Dec 2026	Purchase	5 Dec’26	CHF 60	CHF 60	CHF 300
   	Purchase	7 Dec’26	CHF 100	CHF 160	CHF 300
   	Purchase	10 Dec’26	CHF 90	CHF 250	CHF 300

2. New Danamon LEBIH PRO Customers

   Scenario 4
   New Danamon LEBIH PRO customers who have not maintained any average CHF balance from September 2026 until the month preceding the transaction and who perform both top-up and spending transactions within the same month during the Program Period.

   Month/ Year	Transaction Type	Date	Amount	Cumulative Spending	Average CHF Balance	Cashback Result
   Nov 2026	Open account Danamon LEBIH PRO	10 Nov’26	-	-	CHF 0	Eligible for CHF 20 cashback
   	Top Up	15 Nov’26	CHF 200	CHF 0	CHF 0
   	Purchase	16 Nov’26	CHF 70	CHF 70	CHF 0
   	Purchase	18 Nov’26	CHF 120	CHF 190	CHF 0
   	Purchase	20 Nov’26	CHF 75	CHF 265	CHF 0

   Scenario 5
   New Danamon LEBIH PRO customers who have not maintained any average CHF balance from September 2026 until the month preceding the transaction, but perform top-up and spending transactions in different months during the Program Period.

   Month/ Year	Transaction Type	Date	Amount	Cumulative Spending	Average CHF Balance	Cashback Result
   Nov 2026	Open account Danamon LEBIH PRO	10 Nov’26	-	-	CHF 0	Not eligible for CHF 20 cashback because top-up and spending transactions were not conducted within the same month.
   	Top Up	15 Nov’26	CHF 200	CHF 0	CHF 0
   Dec 2026	Purchase	16 Dec’26	CHF 70	CHF 70	CHF 200
   	Purchase	18 Dec’26	CHF 120	CHF 190	CHF 200
   	Purchase	20 Dec’26	CHF 75	CHF 265	CHF 200

1. Cardholders and/or their representatives may submit complaints regarding banking products or services either verbally or in writing through the nearest Danamon Bank branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
2. Information regarding complaint handling procedures can be accessed at: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah

1. These Program Terms and Conditions form an integral part of the General Terms and Conditions for Accounts and Banking Services, General Terms and Conditions for Danamon LEBIH PRO Savings Accounts, General Terms and Conditions for Danamon Debit/ATM Cards, and/or other applicable terms and conditions relating to banking products and services. In the event of any discrepancy or conflict between such terms and these Program Terms and Conditions, these Program Terms and Conditions shall prevail for matters specifically relating to the Program. 
2. Products and/or services offered by merchants are not products of Danamon Bank and therefore remain solely the responsibility of the respective merchants. Any issues and/or complaints regarding such products, services, and/or the Program should be directed to the relevant merchant.
3. Cardholders acknowledge and agree that Danamon Bank may amend, revise, or supplement these Program Terms and Conditions from time to time. Any changes will be announced through Danamon Bank's communication channels. Where changes involve benefits, risks, fees, terms, or other provisions, Cardholders may submit written objections within 30 (thirty) business days from the date of notification. Failure to object within such period shall be deemed acceptance of the changes.
4. The notification period above may be exempted where such changes are required or specifically determined by applicable laws and regulations. 
5. Cardholders represent that no transaction conducted under this Program is or will be related to money laundering or any other activity prohibited under Indonesian law.
6. If there is any indication of fraud, abuse, manipulation, unusual transactions, money laundering, or violations of applicable laws and regulations, Danamon Bank reserves the right to cancel transactions, terminate the use of Danamon products/services, revoke Program participation, and/or withdraw Program benefits. Cardholders shall remain liable for any outstanding obligations to Danamon Bank.
7. If any provision of these Terms and Conditions becomes unenforceable or invalid by virtue of any government regulation or court decision, such invalidity shall not affect the validity and enforceability of the remaining provisions.
8. Headings and terminology used in these Terms and Conditions are provided solely for convenience and ease of reference.
9. These Terms and Conditions have been prepared in accordance with applicable laws and regulations, including those issued by the Financial Services Authority (OJK).
10. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a participant of the Indonesia Deposit Insurance Corporation (LPS).

Cardholders should remain vigilant against fraud or scams carried out by individuals claiming to represent Danamon Bank and promising gifts or rewards of any kind. Any fraud or criminal acts committed by third parties in connection with or under the guise of this Program are beyond the authority and responsibility of Danamon Bank.