OCBC Voyage Complimentary Privileges

• IMPORTANT
• The calculation of the MOB, average combined balance, and accumulated transactions is in accordance with the bank's internal parameters. The bank's data is final and binding.
• The Bank, at its discretion and discretion, reserves the right to suspend or cancel the award of rewards if there are indications of fraud, irregularities, or violations of these Terms and Conditions.
• The Bank has the right and authority to amend, add, and/or reduce these Terms and Conditions by notification through any medium deemed appropriate by the Bank, in accordance with applicable laws and regulations.

Easy way to get Voyage Complimentary

1. Terms and Conditions for Types and Minimum Transactions
   • The total accumulated retail transactions on each monthly bill (main card + supplementary cards) from all transactions using the customer's Voyage Credit Card must be a minimum of IDR 60 million, IDR 250 million, and IDR 500 million (according to the complimentary scheme).
   • Transactions counted are online/offline retail transactions, both domestic and international.
   • Transactions that do not earn Voyage Miles are as follows:
     • Crediting/cancelling transactions in the current month
     • Current installments (installments billed monthly),
     • Recurring monthly transactions,
     • Cash advances,
     • Loan on Phone (LOP)
     • Credit card fees and charges (interest, annual fees, stamp duty, and other fees incurred due to current month transactions) charged on the billing statement.
     • The Bank reserves the right to debit previously credited mileage/reward points if the customer converts the transaction to installments or fails to meet the requirements. The minimum limit for the customer's Voyage Credit Card must be equal to or greater than the total accumulated transactions in each benefit package or the final total limit on the billing statement.
2. The minimum limit for a customer's Voyage Credit Card must be equal to or greater than the total accumulated transactions in each benefit package or the final total limit on their billing statement.
   Effective starting April 2024 billing (transaction period March 19 – April 18, 2024)
   Example:
   • To participate in the Premium Package scheme (minimum spending of IDR 60 million), the minimum limit on a customer's Voyage credit card is IDR 60 million. Therefore, if a customer has a limit of IDR 100 million, they can only participate in the Premium Package scheme and are not eligible for the IDR 250 million and IDR 500 million tiers.
   • To participate in the Ultimate Package scheme (minimum spending of IDR 500 million), the minimum limit on a customer's Voyage credit card is IDR 500 million.
   • If a customer desires a higher package but does not have sufficient limit, they must request a temporary/permanent limit increase by contacting a RM, Tanya OCBC at 1500999, or via OCBC Mobile.
3. Transaction limits apply to four merchants (Tokopedia, Blibli, Online Pajak, and Paper.id) that can be used for B2B (Business-to-Business) transactions. The maximum accumulated transaction across these merchants is IDR 100 million (the total for all merchants, not per merchant).
   Effective starting May 2024 billing (transaction period April 19–May 18, 2024).
   Calculation Simulation:
   


4. Minimum Spending and Average Combined Balance Requirements
   Customers participating in the Voyage Complimentary program are required to meet the minimum spending and average combined balance requirements as shown in the following table:

   Package	Minimum Combined Average Balance
   Premium (minimum spending IDR60 million)	IDR1.000.000.000
   Luxury (minimum spending IDR250 million)	IDR2.000.000.000
   Ultimate (minimum spending IDR500 million)	IDR5.000.000.000

   
   

   The following are the conditions for simulating the calculation of Combined Average Balance:

   • 0th month after Voyage credit card is approved, Combined Balance is calculated based on position at the time of print billing date.
   • 1st month to 3rd month after Voyage credit card is approved, Combined Average Balance will be calculated based on the previous month's end Combined Average Balance position.
   • 4th month onwards after your Voyage credit card is approved, Combined Average Balance will be calculated based on the average of the 1st month Combined Average Balance average, 2nd month average, and 3rd month average.

   How to calculate:
   Combined Average Balance of each period, summed and divided by 3
   Simulation table:

   Card Approved	Month of Printing Bills
   	Jan-24 MOB 0	Feb-24 MOB 1	Mar-24 MOB 2	Apr-24 MOB 3	Mei-24 MOB 4
   Jan-24	Combined Balance as of Bill print date in Jan 2024	Combined Balance position at the end of January 2024	Combined Balance position at the end of February 2024	Combined Balance position at the end of March 2024	Combined Average Balance 3 months prior: Feb average, Mar average, Apr average

   
   
   • This provision applies to all customer segments
   • Combined Average Balance calculated is liabilities facility and includes Bond, ORI, Mutual Fund and other investment product facilities.
   • Especially for reinstatement (reactivating a closed card), the MOB calculation refers to the latest open date.

Program Mechanism

• Customers who are eligible to get complimentary must meet the minimum transaction and minimum Combined Average Balance in accordance with the provisions above, if there is a determination that is not met, Voyage Complimentary cannot be given.
• Eligible customers will receive an invitation via email and/or SMS every month in week 4.
• Customers MUST contact Voyage Concierge via +62-21-26506363 or email tanya@ocbc.id to choose a package and exchange the desired package before the usage period ends.

  Benefit Voyage Complementary (choose one)

  Complimentary/Billing Cycle (Choose one)	Effective Billing December 2025
  	Premium	Luxury	Ultimate
  Voyage Miles	1.000	3.750	12.500
  Cash Rebate	IDR 125,000	IDR 625,000	IDR 1,250,000
  Fine Dining	N/A	N/A	Until 5 pax

  
  

  Notes

  1. Effective starting December 2025 billing (transaction period November 19 - December 18, 2025)
  2. Each benefit is valid for three months, starting from the billing month. Expired benefits, according to bank policy, cannot be extended. The bank reserves the right to reject requests for extensions.

General Terms and Conditions:

1. Restaurants: Enjoy Complimentary Dining at the following selected restaurants:

   • Valid at selected restaurants curated by OCBC
   • Reservations can be made in accordance to each restaurant's availability
   • List of partnered restaurants might change
   • Number of pax at each partnered restaurant might differ as displayed on the table
   • Valid for Ultimate package only starting effectively on December 2025 billing
   • Booking period is valid until 3 months from expiry period date
   • Customers can combine the complimentary packages during eligible period at once, simulation:
     
     

     Billing	Expiry Date	Dining Package Eligibility	Combined Dining Package	Redemption Date for the Combined Dining Package
     January 2026	30 April 2026	Up to 4 pax	Total up to 12 pax	15 April 2026
     February 2026	31 May 2026	Up to 4 pax
     March 2026	30 June 2026	Up to 4 pax

   
   List Restaurants



2. Bonus Voyage Miles

   Earn bonus Voyage Miles up to 12,500. Voyage Miles can be redeemed for Airline Miles (KrisFlyer, GarudaMiles, or AirAsia points).

3. Cash Rebate

   A cash rebate of up to IDR 1,250,000 will be credited to your OCBC Voyage Premier Credit Card bill, reducing your current bill.