Join Nyala and Transact at Your Favorite Merchant, Get Cashback up to IDR 400,000

Terms and Conditions of the Acquisition Program:

1. This Program is valid 21 October 2026 – 31 December 2026.
2. This Program is applicable to New Customers who open an account independently through OCBC Mobile and is not applicable to Customers who open an account at an OCBC branch and/or are assisted by sales personnel at an OCBC branch.
3. Customers are required to enter the promo code OCBCMERCHANT when opening the account.
4. Customers must join Nyala Services (this Program is not applicable to Nyala Bisnis).
5. Fund placement and product opening must be made using fresh funds originating from another bank and may not be made through transfers between accounts held with OCBC.
   Example: If a Customer participates in the IDR 2 million Combined Balance tier by placing IDR 1 million in fresh funds from another bank and transferring another IDR 1 million from an existing OCBC account, the Customer will not be eligible for the reward as the total fund placement does not constitute fresh funds.
6. To fulfil the Combined Balance requirement and be eligible for the reward, the Customer must conduct a transaction at a participating Merchant:
   • Scheme 1: is only applicable to the “SCHEME 1” tier during the month of account opening. Reward eligibility will be determined at the end of the month of account opening based on the Customer’s Combined Balance position during the month of account opening and provided that the Customer has completed a transaction at a participating Merchant.
   • Scheme 2: is only applicable to one of the “SCHEME 2” tiers and will be assessed up to the third month from the account opening date. Reward eligibility will be determined no later than the end of the third month from the New Customer’s account opening date, based on the highest Combined Balance maintained at the end of each month, provided that the Customer has completed a transaction at a participating Merchant in the same month in which the relevant Combined Balance requirement is fulfilled.
   • Scheme 1 and Scheme 2 may be combined: The Customer may receive the “SCHEME 1” reward plus one of the “SCHEME 2” rewards if the applicable Combined Balance requirements are fulfilled during the month of account opening. Reward eligibility will be determined at the end of the month of account opening based on the highest Combined Balance maintained during the month of account opening and provided that the Customer has completed a transaction at a participating Merchant during the same month in which the Combined Balance requirement is fulfilled.
   • Reward Simulation:

     Simulation	Month 1	Month 2	Month 3	Total Reward
     Simulation 1 Combined Balance Month 1-3 IDR 200,000 & transaction completed	Reward IDR 15,000	—	—	IDR 15,000
     Simulation 2 Combined Balance at Month 1 IDR 200,000, Combined Balance at Month 2 IDR 25,000,000 & transaction completed	Reward IDR 15,000	Reward IDR 185,000	—	IDR 200,000
     Simulation 3 Combined Balance at Month 1 IDR 200,000 & transaction completed, Combined Balance at Month 2 IDR 2,000,000 & transaction completed at Month 3	Reward IDR 15,000	—	—	IDR 15,000
     Simulation 4 Combined Balance at Month 1 IDR 100,000, Combined Balance at Month 3 IDR 25,000,000 & transaction completed	—	—	Reward IDR 185,000	IDR 185,000
     Simulation 5 Combined Balance at Month 1 IDR 25,000,000 & transaction completed	Reward IDR 15,000 + IDR 185,000			IDR 200,000

7. The reward for the Combined Balance placement is not applicable on a cumulative or multiple basis.
   Example: If the Customer maintains a Combined Balance of IDR 100 million, the Customer will receive a reward of IDR 300,000, based on the IDR 50 million Combined Balance tier, and will not receive a multiple of the reward.
8. The reward will be credited to the Customer’s active Tanda 360 Plus IDR Savings Account or Mudarabah IB IDR Account, no later than the last business day of the following month from the month in which the AUM requirement is fulfilled.
   Example: If the Customer opens an account in January 2026, fulfils the Combined Balance requirement at the end of February 2026, the reward will be credited no later than 31 March 2026.
9. The account must remain active and not blocked for any reason at the time the reward is credited by OCBC. If the account is inactive or blocked at the time of reward payment, the reward will be credited on the last business day of the following month.
10. Each Customer is entitled to participate in a maximum of 1 (one) “SCHEME 1” and 1 (one) “SCHEME 2” under this New Customer Program.
11. OCBC Global Debit cardholders can get cashback up to 50% from transactions at selected merchants. More info: web.ocbc.id/dailywin
12. This Program cannot be combined with any other New Customer Program.
13. OCBC reserves the right not to process and/or to cancel the reward for any Customer who, based on OCBC’s assessment, is indicated to have committed fraud in connection with the account opening and/or is included in OCBC’s fraud list.
14. For further information, please contact Tanya OCBC at 1500-999 or +62-21-2650-6300 (for calls from overseas) or visit www.ocbc.id.
15. Terms and Conditions have been prepared in accordance with the applicable laws and regulations, including the regulations of the Financial Services Authority (Otoritas Jasa Keuangan/OJK).
16. PT Bank OCBC NISP Tbk reserves the right to amend, add to, and/or reduce these Terms and Conditions by providing prior notification through any media deemed appropriate by the Bank, subject to the applicable laws and regulations.

PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a member of the Indonesia Deposit Insurance Corporation (LPS).