Welcome Bonus Program: 13,000 Travel Miles and 75% Cashback

• 75% Cashback up to IDR 225,000 for OCBC Titanium, Platinum, Star Wars Platinum, and Pet Lovers Platinum Credit Cards
• Welcome Bonus: 13,000 Travel Miles for OCBC 90°N Credit Card

1. Program Cashback 75% up to Rp225.000

   • Program Period: July 1 – December 31 2025
   • Customers are entitled to 75% cashback per month for three consecutive months, calculated from the date of approval of the credit card, with a maximum cashback of IDR75,000 per month, or a total of IDR225,000 over three months. 
   • Minimum accumulated transactions are IDR100,000 per month.
   • Program applies to Titanium Credit Cards.
   • Cashback will be credited up to a maximum of 30 working days after the shopping period.
   • If a customer applies for more than one credit card, the cashback will only be applied to one credit card.
   • The following is an example of the cashback that customers can receive:

     Period	Card Approve	Month 1	Month 2	Month 3	Total
     	12 Mar 2024	12 Apr 2024	12 May 2024	12 June 2024
     Illustration 1	Accumulated Shopping	150,000	100,000	250,000
     	Cashback	75,000	75,000	75,000	225,000
     Illustration 2	Accumulated Shopping	45,000	100,000	70,000
     	Cashback	0	75,000	0	75,000

2. Welcome Bonus 13,000 Travel Miles for OCBC 90°N Credit Card

   • Program Period: July 1 – December 31 2025
   • Welcome Bonus of 13,000 Travel Miles is only awarded to the 90°N Primary Credit Card.
   • The Welcome Bonus program is valid for:
     1. Customers who have never had an OCBC 90°N Main Credit Card
     2. Customers who have previously held another OCBC Credit Card*
     3. Customers who hold a 90°N Supplemental Credit Card*
        Note:
        * If the Credit Card ownership in points 2 & 3 is in the following conditions:
        • It has been closed when the 90°N Primary Credit Card was approved, or
        • It has never been activated when the 90°N Primary Credit Card was approved, or
        • It has been activated but has never been used for any transactions when the 90°N Primary Credit Card was approved.
   • The Welcome Bonus program is not valid for customers who have previously held a 90°N Primary Credit Card, even if it was closed when the new 90°N Primary Credit Card was approved.
   • The 90N Credit Card must be activated at most 2 months from approval.
     For Example, if the 90N Credit Card is approved on January 15, 2025, then the 90°N Credit Card must be activated by March 15, 2025.
   • The transaction period is 3 months from the date the 90°N Credit Card is activated.
   • Customers are required to make a minimum transaction of IDR40,000,000 during the transaction period, with a minimum monthly transaction of IDR10,000,000.
     Simulation example:
     Date 90°N Credit Card Approval: January 15 2025
     Date 90°N Credit Card Activation: March 15 2025
     Therefore, the transaction period is March 15 2025, to June 14 2025, with the following details:

     90N Credit Card activated 15 Mar’25	Month-1 15 Mar’25 - 14 Apr'25	Month-2 15 Apr'25 - 14 May'25	Month-3 15 May'25 - 14 Jun'25	Accumulation 15 Mar’25 - 14 Jun'25
     Min. Transaction	IDR 15,000,000	IDR 10,000,000	IDR 15,000,000	IDR 40,000,000

   
   
   • To receive the Welcome Bonus, customers must claim it via SMS to 86477 using the mobile phone number registered with the Bank. Claims must be made no later than the end of the third month after the 90N Credit Card is activated, using the format:
     OCBC(space)BONUS90N(space)last 4 digits of the credit card number
     Example:
     

     Description	Date & Format
     90°N Credit Card Activation Date	5 Mar’25
     Maximum date for SMS claims	30 Jun’25
     SMS Claim Format	OCBC BONUS90N 1234

     
     Make sure the Customer receives a reply message regarding the Welcome Bonus program from 86477. If they do not receive a reply, the Customer can immediately contact TANYA OCBC at 1500-999.
   • The calculation of Travel Miles that customers can earn by making a transaction of IDR 40,000,000 is as follows:

     Description	Travel Miles (TM) Earnings
     Product Features (Every IDR10,000 Domestic Transaction = 1 Travel Mile)	4.000 TM
     Travel Miles Bonus	13.000 TM
     Total Travel Miles	17.000 TM*

     
     *17.000 Travel Miles = 17.000 KrisFlyer
     
     1. Exchange rate: 17,000 KrisFlyers = 1 Ticket from Jakarta to Singapore (Round-Trip, Economy Class - Saver) on Singapore Airlines.
     2. You can exchange Travel Miles for KrisFlyers through Raih.id, which can be accessed via a browser or the OCBC mobile app.
   • The transactions calculated are the combined total of purchases from the 90°N Primary Credit Card and the 90°N Supplemental Credit Card that have been recorded in the Bank's system at the time of the calculation.
   • Transaction types not included in this program include the following:
     • Cash Advances and Loan on Phone (LOP) transactions;
     • All Credit Card-related fees;
     • Current installment transactions;
     • Disputed transactions, double postings, canceled transactions, and regular payments.
   • The Welcome Bonus will be awarded no later than the end of the fourth month from the Credit Card activation date.
     Example:
     Credit Card Activation Date: March 15 2025
     Maximum Welcome Bonus issuance date: July 31 2025
   • When crediting the Welcome Bonus, ensure the credit card is active and not in arrears.
   • The Welcome Bonus program does not apply to mortgage segment bundling.
   • The Bank reserves the right to cancel the Welcome Bonus if any indication of fraud is detected.

General Terms and Conditions

• For further information, please contact TANYA OCBC at 1500-999 / +62-21-26506300 (from overseas) or visit www.ocbc.id for the Program.
• The general terms and conditions for the Activation and Welcome Bonus Program ("Terms and Conditions") have been adjusted to comply with applicable laws and regulations, including the Financial Services Authority (OJK) regulations.
• OCBC will never request a customer's PIN, OTP, user ID, password, or CVV for any reason, through any means, including telephone or links. Please safeguard your personal banking information. If you encounter any suspicious activity, immediately contact TANYA OCBC at 1500-999 / +62-21-26506300 (from overseas) or email tanya@ocbc.id.
• OCBC, at its 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.
• OCBC reserves the right and authority to amend, add, and/or amend these Terms and Conditions by notification through any medium deemed appropriate by OCBC, in accordance with applicable laws and regulations.
• PT Bank OCBC NISP Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI) and is a participant in the LPS (Lembaga Deposit Insurance Corporation) guarantee program.