Teach your kids to save with Young Nyala, earn up to 4.000 Poinseru, and redeem them for exciting rewards at Raih.id

Young Nyala Program, Redeem Poinseru for Attractive Merchandise for Kids

Program Scheme Table

PROGRAM TERMS & CONDITIONS

A. Poinseru Collection Program

1. Balance Growth in Tanda Junior Account for Young Nyala
   1. The Balance Growth scheme is only eligible for Tanda Junior Account for Young Nyala with Rupiah currency that has been opened through the bank branches or OCBC mobile for more than 3 (three) months.
      For example:
      

      September	Oktober	November	December
      Young Nyala account opening - First Month	Second Month	Third Month	Customer is eligible to participate in the Young Nyala Balance Growth Program

      
      

      June	July	August	September
      Young Nyala account opening - First Month	Second Month	Third Month	Customer is eligible to participate in the Young Nyala Balance Growth Program

      
      

      November	December	January	February
      Young Nyala account opening - First Month	Second Month	Third Month	Program has ended. Customer is unable to participate in this Young Nyala Balance Growth Program. Please wait for new exciting program.

   
   
   2. The minimum balance growth is IDR500.000 and the maximum is IDR2.000.000. The following is the simulation for the rewards scheme:
      

      Balance Growth Amount	Reward Eligibility	Reward Amount per Month
      IDR 300.000	Not Eligible	-
      IDR 500.000 - IDR 999.999	Eligible	125 Poinseru
      IDR 1.000.000 - IDR 1.999.999	Eligible	250 Poinseru
      IDR 2.000.000 and above	Eligible	375 Poinseru

   
   
   3. There must be a balance increase compared to the previous month to get rewards.
   4. Not applicable for multiples of minimum balance growth. Maximal rewards per month as per described in program scheme table above.
   5. The maximum number of Poinseru obtained from Balance Growth in Tanda Junior Account for Young Nyala is calculated based on the maximum number of Poinseru that can be received by one Customer (Parent), not based on the number of Young Nyala accounts.
   6. The Customer (parent) must have active OCBC account and have joined Nyala Service, OCBC Premier Banking, or OCBC Private Banking to participate in the Balance Growth scheme.


2. TAKA products opening funded from the Tanda Junior for Young Nyala account
   1. The type of TAKA opened is a fixed instalment TAKA or interest TAKA which applies to the opening of the first or subsequent TAKA opened during the program period.
   2. The maximum number of Poinseru obtained from opening a TAKA Account is calculated based on the maximum number of Poinseru that can be received by one Customer (Parent), not based on the number of Young Nyala accounts.
   3. The Tanda Junior account for Young Nyala which will be a TAKA relation account can be opened through the branch office or OCBC mobile application, both before and during the program period.
   4. If the Customer closes the TAKA before the maturity period, the product penalty fee will be charged in accordance with applicable product regulations.

B. Poinseru Credit Mechanism:

1. Eligible Customers will receive Poinseru rewards by 4th (fourth) week of the following month after the activity is completed.
2. Poinseru rewards can be redeemed for merchandise listed in Raih.id. Terms and conditions’ related rewards redemption can be views on Raih.id.
3. Poinseru that has been redeemed or has expired cannot be returned, extended, or reused. 

GENERAL TERMS AND CONDITIONS

1. Poinseru rewards earned through this program will be credited to the Customer (parent) Poinseru account.
2. This program is only applicable for Tanda Junior IDR accounts for children below 17 years old.
3. PT Bank OCBC NISP, Tbk (“OCBC”) based on its policies and considerations, has the right to suspend or cancel the awarding of Poinseru reward if there are indications of fraud, unfairness or violations of these terms and conditions.
4. If the interest rate exceeds the guaranteed rate by the Indonesia Deposit Insurance Corporation (LPS), the deposit will not be covered by LPS.
5. Customers acknowledge and understand that all forms of electronic consent (such as tick marks, OTPs, or any similar electronic actions) given via the OCBC mobile constitute valid, binding approval even without physical or digital signatures.
6. OCBC has the right and authority to change, add and/or reduce these Terms and Conditions by notification through media deemed good by OCBC by considering the provisions and regulations of applicable laws and regulations.
7. For further information, please contact TANYA OCBC 1500-999/your Relationship Manager/ +621-21-2503600 (from overseas); email tanya@ocbc.id or visit OCBC’s website https://www.ocbc.id/id/hubungi-kami.
8. These terms and conditions comply with the applicable regulations issued by the Financial Services Authority (OJK) and/or Bank Indonesia.
9. PT Bank OCBC NISP Tbk is licensed and supervised by OJK and Bank Indonesia and is a member of the LPS deposit guarantee scheme.

Don't have a Young Nyala account yet? Apply now. For more information, visit web.ocbc.id/promoyoungnyala