Up to IDR 770K cashbacks for your business!

Promo #2 - Manage business funds with Nyala Bisnis and get interest rate up to 5% per year!

1. Fulfill the following activities to get Bonus Interest:

   No	Activity	Activity Detail		Bonus Interest (% per year)
   1	Spend	Transaction via OCBC mobile application: Pay & Purchase; Top Up e-Wallet (Top Up E-Money); scan QRIS Debit Card Transaction: via EDC or virtual debit card (VDC). Total accumulated transaction points a❩ & b❩ minimum 6 times in 1 month. Valid for debit fund source account (Savings/Current Account) in 1 (one) Customer's CIF.	Details of the calculation of the average balance growth of Savings:	1,50%
   2	Growth	A. Details of the calculation of the average balance growth of Savings: Increase the growth of the average savings balance per month in 1 (one) CIF Customer. The balance position for the basis of calculation (baseline) is the total savings balance in 1 (one) Customer CIF on June 30, 2024. All Savings balances that are calculated are conventional Savings in IDR and accounts in active status (for multicurrency accounts only IDR balances are calculated). Excludes TAKA (of any type) and retained balance/on-hold balance B. Details of bonus interest: Growth of the average balance of savings per multiple of IDR 25 million (twenty five million rupiah) gets an interest bonus of 0.75% per year (maximum interest bonus of 3.00% per year).	Increase the growth of the average savings balance per month in 1 (one) CIF Customer.	0.75% up to max. 3,00%
   3	Merchant EDC and/or QRIS	Installation of EDC and/or QRIS (for new Customers yet to have EDC and/or QRIS by OCBC) Using EDC and/or QRIS Bank Services, with total accumulated transactions in 1 (one) month of IDR 50 million (fifty million rupiah). Holding fund account / settlement fund account through OCBC in the same 1 (one) Customer CIF.	Minimum total accumulated transactions IDR 50 million per month	1.50%
   4	Booster	Special for Female Customers, who carry out at least 2 (two) out of 3 (three) activities get additional bonus interest.	-	0.50%

2. Terms of Savings Bonus Interest are as follows:
   1. Maximum Bonus Interest per month is a maximum of 5.00% per year. (If the Customer fulfills all transaction activities with a total bonus interest of >5.00% per year, it will be stamped / given max. 5.00% per year).
   2. The balance calculated for interest is the average balance in 1 (one) CIF of the Customer in a conventional Savings account (calculation of the average balance from the beginning of the month to the end of the month is a maximum of IDR 1,000,000,000 (if the average balance of the Customer is above IDR 1,000,000,000, the Interest Bonus will be given for the balance of the first IDR 1,000,000,000, with a divisor of the number of full days in the month of 30/31 days). Excludes TAKA (of any type) and retained balance/on-hold balance.
   3. If the Customer has more than 1 (one) Savings account in 1 (one) CIF of the Customer, then the account given bonus interest to 1 (account) with the highest average balance in that month.
3. Program is only valid for conventional savings account excluding any type of sharia savings / TAKA, retained balance / balance on hold.
4. Customers still get savings interest (counter rate) from the Savings account according to the applicable counter interest rate provisions.
5. If the Customer stops or changes the Nyala Bisnis service, then the transaction made by the Customer in that month becomes ineligible (invalid) to get the Interest Bonus.
6. 6. Crediting Bonus interest is done no later than the end of the following month (M+1). .
   Example: Mrs. Reni conducts transaction activities according to the provisions during July 2024. Then Ms. Reni will get the Interest Bonus credited to her savings account maximum at the end of August 2024 (and so on).
7. 7. Bonus Interest Calculation Simulation:

   Example 1
   CIF Customer Abxxxxx (Female) - Registered Nyala Bisnis Services
   Period (Aug 2023) : 31 days number of days in 1 month

   Savings Account (exclude TAKA & hold Balance)	Average Balance 1-31 Aug 2023
   Account 1: 123xxxxxxx	IDR 1.5 billion
   Account 2: 456xxxxxxx	IDR 20 million

   Activity	Eligible	Detail	Additional	Activity	Eligible
   1	Yes	7x Transaction via OCBC mobile	1,50%	5,00%(cap) (Note: Total Bonus Interest)	IDR 1 Billion x 5,00% x 31/365 = IDR 4.246.575 gross
   2	Yes	Top up savings balance: Total average growth in 1 month: IDR 85 Million	2,25% (0,75% x 3)
   3	Yes	Total accumulated EDC: IDR 70 million	1,50%
   4	Yes	Do 3 activities	0,50%

   *Average balance given additional interest, cap IDR 1,000,000,000
   **The maximum total additional interest that can be given to the Customer is a maximum of 5.00% p.a.

   Example 2
   CIF Customer CDxxxxxx (Male) - Registered Nyala Bisnis Service
   Period (Aug 2023) : 31 days Number of days in 1 month

   Savings Account (exclude TAKA & hold Balance)	Average Balance 1 - 31 Aug 2023
   Account 1: 123xxxxxxx	IDR 100 million

   Activity	Eligible	Detail	Additional	Activity	Eligible
   1	Yes	7x Transaction via OCBC mobile	1,50%	2,25%	IDR 100 million x 2,25% x 31/365 = IDR 191.096 gross
   2	Yes	Top up savings balance: Total average growth in 1 month: IDR 35 Million	0,75% (0,75% x 1)
   3	No	-	-
   4	No	Do 3 activities	-

   *Average balance given additional interest, cap IDR 1,000,000,000
   **The maximum total additional interest that can be given to the Customer is a maximum of 5.00% p.a.

8. The Bank, at its discretion, has the right to suspend or cancel the reward if there are indications of fraud, irregularities, or violations of these terms and conditions.
9. The Bank has the right and authority to change, add, and/or reduce these terms and conditions by notification through media deemed good by the Bank by taking into account the applicable laws and regulations.
10. For more information, please visit your nearest branch or contact TANYA OCBC 1500-999.

Promo #3 - First Time Transaction Rewards: TT, RTGS & Forex

1. Program is valid for business entity customers and individuals who join OCBC during the program offer period.
2. The Customer conducts forex/Telex Transfer ("TT")/RTGS transactions through OCBC Business/OCBC mobile in accordance with the specified scheme within a period of 3 months from the date the Customer joins the Bank.
3. Forex transactions that are taken into account are buy/sell forex transactions per multiple of accumulated transactions of IDR 100 million in the first 3 months up to a maximum of accumulated transactions of IDR 400 million.
4. TT transactions that are calculated are 1 time per month with a minimum nominal value of IDR 10 million per transaction.
5. RTGS transactions that are calculated are 2 times per month with a minimum nominal value of IDR 100 million per transaction.
6. Customer must have a Current account at OCBC.
7. Customer agrees to join the Nyala Bisnis / Nyala Bisnis TAYTB Women Warriors program.
8. First Experience program reward will be credited no later than the end of the 5th month from the date the Customer joins the Bank.

Promo #4 - Collect Payment via QRIS, get cashback of up to IDR 1 million

1. Valid for new Nyala Bisnis Individual and Business Entity customers with the opening of a Current and/or savings account who have just registered for QRIS services.
2. Minimum MDR* fee cashback credited is IDR 10K.
3. The maximum MDR cashback credited is IDR 500K/month for Nyala Bisnis customers with a combined balance of < IDR 500 Million and IDR 1 Million/month for Nyala Bisnis customers with a combined balance of > IDR 500 Million.
4. MDR QRIS cashback program is valid for 6 months starting from program registration.
5. Transaction cashback will be credited every month for 6 months since program registration, starting from the month of the transaction.
6. The Customer's account must be active, which is to fulfill the minimum outgoing transaction 6x in the previous month.
7. Customers must agree to the terms and conditions of the applicable QRIS service.
8. For Premier Banking customers, must enter the promotional code: NYBIS2.

*MDR: Merchant discount rate

Promo #5 - Free EDC machine rental fee

1. Valid for Nyala Bisnis & Premier Banking customers.
2. Valid for customers who have never had an OCBC EDC before.
3. Place a new balance in a current account of at least IDR 50 million.
4. Activate OCBC Business/OCBC mobile.
5. Free EDC will be provided for 1 year (12 months) from the activation of EDC.
6. The maximum number of EDC machines that can be exempted from rental fees is 2 devices.
7. Only valid for customers with the following services:
   1. Nyala Bisnis
   2. Nyala Bisnis for TAYTB Women Warriors
   3. Premier Banking (promo code: NYBIS2)
8. The Customer must agree to the terms and conditions of the applicable EDC services.
9. The terms and conditions of the program are subject to change at any time and the changes will be informed by OCBC to the Customer.

For Business Entities

Promo #1 - Get cashback of up to IDR 625K by joining Nyala Bisnis

1. Program is valid for business entity Customers who join OCBC during the program period.
2. Customer agrees to join Nyala Bisnis / Nyala Bisnis TAYTB Women Warriors program.
3. Customer agrees to register OCBC Business web/mobile.
4. The eligibility of the Customer who is entitled to the reward will be determined based on the minimum combined average balance of all Customer's Current Accounts.
5. The provisions for the calculation period of the Customer's average balance for are as follows:
   • For Customers who join the Bank in the 1^st - 24^th date: the average balance will be calculated from the 1^st - 30^th/31^st date of the month.
   • For Customers who join the Bank in the 25^th - 31^st date: the average balance will be calculated from the 1^st - 30^th/31^st date of the following month.
6. Program rewards will be credited no later than the end of the following month after the Customer's average balance calculation period ends.

Promo #2 - Get Bonus Interest up to 1% annually by topping up giro account balance

1. Customers will get rewards if there is a growth in the average current account per month balance against the average balance in the first quarter of 2024, as much as a minimum of IDR 50 Million.
2. Customers are required to transact at least 6x every month (transfer / payment).
3. Customers are required to have a Business Smart Current Account that is active and incorporated in the Nyala Bisnis service.
4. Customers are required to register for the program through OCBC Relationship Manager/branch.
5. Rewards will be credited to the Customer's account in the following month, no later than the last week of the month.
6. Rewards will be tax-deductible 20%.
7. The maximum balance that can be calculated is a maximum of IDR 1 Billion.
8. Rewards are not valid for subsequent multiple transaction and will be given according to the average balance growth, according to the table below:

* Reward amount will be taxed 20%

Promo #3 - First Time Transaction Rewards: TT, RTGS & Forex

1. Program is valid for business entity customers and individuals who join OCBC during the program offer period.
2. The Customer conducts forex/Telex Transfer ("TT")/RTGS transactions through OCBC Business/OCBC mobile in accordance with the specified scheme within a period of 3 months from the date the Customer joins the Bank.
3. Forex transactions that are taken into account are buy/sell forex transactions per multiple of accumulated transactions of IDR 100 million in the first 3 months up to a maximum of accumulated transactions of IDR 400 million.
4. TT transactions that are calculated are 1 time per month with a minimum nominal value of IDR 10 million per transaction.
5. RTGS transactions that are calculated are 2 times per month with a minimum nominal value of IDR 100 million per transaction.
6. Customer must have a Current account at OCBC.
7. Customer agrees to join the Nyala Bisnis / Nyala Bisnis TAYTB Women Warriors program.
8. First Experience program reward will be credited no later than the end of the 5th month from the date the Customer joins the Bank.

Promo #4 - Accept Payment via QRIS, get cashback of up to IDR 1 million

1. Valid for new Nyala Bisnis Individual and Business Entity customers with the opening of a Current and/or savings account who have just registered for QRIS services.
2. Minimum MDR* fee cashback credited is IDR 10K.
3. The maximum MDR cashback credited is IDR 500K/month for Nyala Bisnis customers with a combined balance of < IDR 500 Million and IDR 1 Million/month for Nyala Bisnis customers with a combined balance of > IDR 500 Million.
4. MDR QRIS cashback program is valid for 6 months starting from program registration.
5. Transaction cashback will be credited every month for 6 months since program registration, starting from the month of the transaction.
6. The Customer's account must be active, which is to fulfill the minimum outgoing transaction 6x in the previous month.
7. Customers must agree to the terms and conditions of the applicable QRIS service.
8. For Premier Banking customers, must enter the promotional code: NYBIS2.

*MDR: Merchant discount rate

Promo #5 - Free EDC machine rental fee

1. Valid for Nyala Bisnis & Premier Banking customers.
2. Valid for customers who have never had an OCBC EDC before.
3. Place a new balance in a current account of at least IDR 50 million.
4. Activate OCBC Business/OCBC mobile.
5. Free EDC will be provided for 1 year (12 months) from the activation of EDC.
6. The maximum number of EDC machines that can be exempted from rental fees is 2 machines.
7. Only valid for customers with the following services:
   1. Nyala Bisnis
   2. Nyala Bisnis for TAYTB Women Warriors
   3. Premier Banking
8. The Customer must agree to the terms and conditions of the applicable EDC services.
9. The terms and conditions of the program are subject to change at any time and the changes will be informed by OCBC to the Customer.