OCBC Syariah's Merdeka Promo: Optimize Your Funds for More Blessings

1. Realize your plans with TAKA iB. Get a gold balance bonus of up to IDR 10 million.

Make your wedding plans, home renovations, children's education and even trips to Bailtullah come true with TAKA iB on OCBC mobile, anytime and anywhere.

Gold balance bonus according to Fund Target Indication:

*) In addition to getting a Gold Savings balance, customers also get a profit sharing ratio.

Terms & Conditions:

1. Applies exclusively to individual customers who sign the TAKA iB 2026 Product Opening Reward Program Statement and Power of Attorney (Program SKU).
2. Applies to opening accounts for non-digital TAKA iB products such as TAKA iB IDR, TAKA iB Valas, and TAKA iB Flexi.
3. The program period is August 1–31, 2026
4. The total program quota is 50 and is limited (first come, first served).
5. Accounts must be tagged with the promotional code "TKIB26."
6. The reward is a gold savings balance in accordance with the tier provisions indicated by the program's target account funds.
7. Outside of the Gold Savings Balance Reward, customers still receive a Profit Sharing Ratio in accordance with Bank regulations.
8. Customers are required to have a Gold Savings account.
9. The Gold Savings balance reward will be credited to the customer's Gold Savings account within a maximum of 30 business days from the TAKA iB account opening date.
10. If a customer closes their TAKA iB account before the due date, they will be charged a break program administration fee and an account closure fee in accordance with the product terms and conditions.
11. The Bank, 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.
12. The Bank reserves the right and authority to amend, add, and/or amend these Terms and Conditions by notification through any medium deemed appropriate by the Bank, in accordance with applicable laws and regulations.

2. Independence Shapes the Future with Gold

Celebrate the spirit of independence and receive a bonus of up to IDR 281,000 in gold savings through OCBC mobile

Terms and conditions:

1. The program is valid for all customers who do not yet have a Gold Savings account, both new (NTB) and existing customers, who open a Gold Savings account during the program period.
2. Customers are required to make their first purchase with a minimum nominal amount according to the scheme in the table.
3. Customers will receive a reward in the form of a bonus Gold Savings balance according to the selected scheme, and multiples are not applicable. If a customer purchases gold with a nominal amount that does not match the specified tiers, the reward will be calculated based on the lowest tier closest to the purchase amount.
4. The reward quota is limited and is awarded on a first-come, first-served basis (as long as quotas are available).
5. The Gold Savings balance reward will be credited to the customer's Gold Savings balance no later than 30 business days after the program ends.
6. Both the relationship account and the Gold Savings account must be active at the time of reward crediting.
7. The Bank, 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.
8. The Bank has the right and authority to amend, add, and/or reduce these Terms and Conditions by providing notification through any medium deemed appropriate by the Bank, in accordance with applicable laws and regulations.
9. Program Period: August 1–31, 2026