Join Nyala OCBC, get welcome reward and cashback for transaction on AYO App.

Get AYO e-voucher by opening Nyala during AYO’s event with the following program scheme:

Get cashback by opening Nyala via OCBC mobile. Use promo code “AYO” and follow this program scheme:

Terms & Conditions of welcome reward from Nyala opening at AYO’s events:

1. Account opening must be done during the AYO Indonesia event, which is held in the program period from December 22, 2025 to June 30, 2026.
2. Customers are required to join the Nyala OCBC service.
3. Promo is valid only for new OCBC customers who open an account during the AYO Indonesia event via OCBC Mobile.
4. Customers are required to input the promo code that has been specified at the time of account opening.
5. Customers who are eligible to get an e-Voucher are customers who use the promo code that has been determined at the time of account opening and meet the applicable program scheme.
6. Customers are required to place funds in accordance with the applicable program. The conditions for placing funds are waited until the end of the second month (M+1) from the month of account opening.
7. Rewards e-Vouchers can be obtained by maintaining the balance until the end of the month since the placement of funds according to the scheme.
8. E-Vouchers will be given to customers no later than the 4th (fourth) week of the following month after the fulfillment of the scheme.
9. E-Voucher is only valid 1 (one) time on the AYO Indonesia platform.
10. E-Vouchers are non-cashable and non-refundable.
11. Customers is fully responsible for any risk of using the e-Voucher.

Terms & Conditions of welcome reward from Nyala opening via OCBC mobile:

1. The program period from March, 2026 to June 30, 2026.
2. Customers are required to join the Nyala OCBC service.
3. The promo is valid only for new OCBC customers who open an account via OCBC Mobile using the promo code: ''AYO''.
4. Promo is valid for 1 CIF/month.
5. Customers are required to enter the promo code that has been specified at the time of account opening.
6. Customers who are eligible to get cashback are customers who use the promo code that has been determined at the time of opening an account and meet the applicable program scheme.
7. Rewards in the form of cashback are obtained by maintaining the average savings balance until the end of the month according to the scheme during the program period.
8. The calculation of eligibility is carried out the following month from the time of the placement of funds. For eligible customers, transaction cashback will be given no later than the 4th (four) month after the fulfillment of the scheme.
9. Rewards are given of cashback or other with an equivalent nominal.

General terms and conditions:

1. Eligible for fresh fund only, must come from accounts outside OCBC, including funds deposited in cash.
2. Promo cannot be combined with other acquisition promos.
3. PT Bank OCBC NISP Tbk ("OCBC") at its discretion and consideration, reserves the right to suspend or cancel the award of rewards if there is an indication of fraud, impropriety or violation of these terms and conditions.
4. For more information, please contact Tanya OCBC 1500-999 or on the www.ocbc.id website related to the Program.
5. These terms and conditions have been adjusted to the provisions of laws and regulations, including the provisions of the Otoritas Jasa Keuangan (OJK) regulations.
6. OCBC has the right and authority to amend, add and/or reduce these terms and conditions with notice through the media deemed good by OCBC by taking into account the provisions and regulations of the applicable laws and regulations.
7. PT Bank OCBC NISP Tbk is licensed and supervised by the Otoritas Jasa Keuangan (OJK) & Bank Indonesia and is a participant in the LPS guarantee.

Maintain your saving balance and get cashback up to IDR 150K for transaction at AYO App by following program scheme:

Terms & Conditions:

1. The program period from December 22, 2025 to June 30, 2026.
2. Customers are required to join the Nyala OCBC service.
3. Promo is valid for new customers by using promo code AYO and existing OCBC customers.
4. New customers are required to input the promo code that has been specified at the time of account opening and for existing customers there is no need to input the promo code.
5. Promo is valid for 1 CIF/month.
6. Eligible customers are all OCBC customers who meet the applicable program scheme.
7. The transactions that are counted are transactions at AYO Indonesia's merchant partners with the Merchant Name, NMID, and MID that have been registered with OCBC.
8. Rewards cashback are obtained by maintaining the average savings balance until the end of the month according to the scheme and making a minimum transaction of IDR100,000 at AYO Indonesia during the program period using OCBC Debit Card/QRIS. For transactions using Debit Cards on the AYO Indonesia application, make sure the Customer has activated the e-Commerce transaction via OCBC mobile through menu 'More' and tap Debit Card and tap Manage e-Commerce transaction. 
9. The calculation of eligibility is carried out the following month from the time the placement of fund and transaction. For eligible customers, transaction cashback will be given no later than the 4th (four) month after the fulfillment of the scheme.
10. Rewards are given of cashback or other with an equivalent nominal.
11. PT Bank OCBC NISP Tbk ("OCBC") at its discretion and consideration, reserves the right to suspend or cancel the award of rewards if there is an indication of fraud, impropriety or violation of these terms and conditions.
12. For more information, please contact Tanya OCBC 1500-999 or on the www.ocbc.id website related to the Program.
13. These terms and conditions have been adjusted to the provisions of laws and regulations, including the provisions of the Otoritas Jasa Keuangan (OJK) regulations.
14. OCBC has the right and authority to amend, add and/or reduce these terms and conditions with notice through the media deemed good by OCBC by taking into account the provisions and regulations of the applicable laws and regulations.
15. PT Bank OCBC NISP Tbk is licensed and supervised by the Otoritas Jasa Keuangan (OJK) & Bank Indonesia and is a participant in the LPS guarantee.

Cashback 20% with OCBC Global Debit

Tuesday FIT | Cashback 20% up to IDR 50K

• Cashback 20% up to IDR 50,000.
• Transaction min. IDR 150,000.
• Valid only for first 300 transactions per month.
• Valid every Tuesday during promo period from 1 March - 30 June 2026.
• Valid for max. 2 (two) transactions per customer.

Terms and Conditions

• Valid for payment using OCBC Debit Mastercard BIN 537940 and 531928, include Nyala Global Debit and Premier Global Debit.
• Valid for payment through AYO App and AYO website.
• Cashback will be credited to customer savings account within 1x24 hour after the transaction is successfully made.
• OCBC & AYO reserves the right to change the terms and conditions without prior notice.

More info: web.ocbc.id/dailywin