Save in gold and get a gold balance bonus of up to IDR 1,500,000

Start investing in gold now and get a gold balance bonus of up to IDR 1.5 million.

Program Terms and Conditions:

1. New to Gold Program

A program designed for all customers who do not yet have a Gold Savings account, whether they are new customers (NTB) or existing customers (ETB).

Terms and Conditions:

• Program Period: September 1 to December 31, 2026.
• Applicable to all customers (both NTB and ETB) who do not yet hold a Gold Savings account and open one during the program period.
• For the initial purchase, customers must purchase gold savings for an amount at least equal to the figure specified in the table and append the unique digit "1" to the end of the transaction amount; this requirement also applies if the purchase amount differs from the table.
• If the gold price is below IDR 2,500,000 per gram, customers wishing to participate in the IDR 25,000,001 tier scheme may make their initial purchase based on the following simulation:

*) The top-up must be performed in accordance with the terms specified in the table above and must be completed on the same day.

• The reward consists of a Tabungan Emas (Gold Savings) balance bonus based on the selected scheme; the reward is not cumulative (i.e., it does not apply to multiples of the top-up amount). Rewards are awarded on a first-come, first-served basis subject to the monthly quota availability; unused quotas cannot be carried over to the following month.
• The reward will be credited to the customer's Tabungan Emas balance no later than 30 working days after the program ends. Both the linked account and the Tabungan Emas account must be in active status at the time the reward is credited.
• OCBC reserves the right to cancel a customer's participation in the program and/or revoke the reward if there are indications of data manipulation, fraud, program abuse, or other actions that violate applicable laws.
• OCBC—including its employees or parties acting on its behalf—never asks customers to share personal data, confidential information, OTP codes, PINs, passwords, or other sensitive information via any channel, including links. If a customer encounters anything suspicious, they should immediately contact TANYA OCBC at 1500-999.
• OCBC reserves the right to modify, add to, and/or amend the Terms and Conditions of this program, with notification provided via channels deemed appropriate by OCBC, in compliance with applicable laws and regulations.
• Further information regarding this program can be obtained by contacting TANYA at 1500-999.
• PT Bank OCBC NISP Tbk (Sharia Business Unit) is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia.
• The Terms and Conditions of this program have been aligned with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).

2. Gold Savings Top-Up Program

A program designed for all customers who already hold a Gold Savings account.

Program Terms and Conditions:

• Program Period: September 1 to December 31, 2026.
• Valid for customers who already hold a Gold Savings account (Tabungan Emas) as well as customers who open a new Gold Savings account during the program period and perform a top-up in accordance with the amounts specified in the table.
• All amounts in the scheme table already include the unique digit "8" at the end (e.g., Rp5,000,008); therefore, customers simply need to top up the exact amount listed in the table. For amounts not listed in the table, the unique digit "8" must still be added.
• Total purchases are calculated based on the current month.
• Rewards are awarded to customers who reach the purchase target according to the scheme first (on a first-come, first-served basis). Each customer is entitled to receive a reward a maximum of one time during the program period; rewards are not applicable in multiples, are subject to a limited monthly quota, and cannot be accumulated.
• If the top-up amount does not match a specific tier, the reward will be calculated based on the lowest tier closest to the purchase amount.
• Rewards will be credited to the customer's Gold Savings balance no later than 30 working days after the program ends. Both the linked account and the Gold Savings account must be active at the time the reward is credited.
• New customers who open a Gold Savings account during the program period are eligible for rewards from both the "New to Gold" Scheme and the Top-Up Scheme simultaneously. Reward values are calculated per scheme and cannot be combined.
• OCBC reserves the right to cancel a customer's participation in the program and/or revoke the reward if there are indications of data manipulation, fraud, program abuse, or other actions that violate applicable laws.
• OCBC—including its employees or parties acting on its behalf—will never ask customers to share personal data, confidential information, OTP codes, PINs, passwords, or other sensitive information via any channel, including links. If a customer encounters anything suspicious, please contact TANYA OCBC immediately at 1500-999. OCBC reserves the right to amend, add to, and/or modify the Terms and Conditions of this Program, subject to notification via channels deemed appropriate by OCBC and in compliance with applicable laws and regulations.
• Further information regarding this Program can be obtained by contacting TANYA 1500-999.
• PT Bank OCBC NISP Tbk (Sharia Business Unit) is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia.
• The Terms and Conditions of this Program have been aligned with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).