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Special Event

Complete your missions! Get bonus additional interest up to 4,5% p.a or bonus Poinseru + flash sale for exciting prize

1 Jun 2026 - 31 Jul 2026

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This program is valid for customers who receive an official invitation from OCBC through the official OCBC communication channels.

Invited customer can choose the following program options.

Definitions:

Additional Interest: Savings interest received as rewards for the program. This is on top of the current counter rate program. Terms and conditions apply.
Hold Balance: funds in customer’s account that are temporarily blocked and cannot be used for transactions. This includes funds in holding balance, money lock, Tanda Hold or funds that are blocked for other reasons.
Average balance: Total balance from the 1^st to the end of the month, divided by the total number of days in that month (30/31).
2 months average balance: The sum of average balance of the 1st and 2nd month, divide by 2.
2 months average balance increment: The average balance for 2 months minus the average balance from 1 month before the program started (M-1).
p.a : per annum

Program 1 – Bonus additional interest up to 4,5% p.a

Terms & Conditions for Bonus Savings Interest Program:

Program Period: 1 June – 31 July 2026

Enjoy additional interest rate up to 4,5% p.a. by completing the following mission:

	Activities	Additional Interest	Terms & Conditions
Mission #1	Increase saving balance by minimum of IDR 1 million per month.	+1% p.a.	The saving balance increase is calculated by comparing the savings balance at the end of the current month compared to the ending balance of the previous month. It does not include any hold balance. Only the sum of saving balance from the following accounts are considered: Tanda 360 Tanda 360 Plus Tanda 360 Plus Digital Tanda 360 Plus Komunitas Only applies to accounts in Rupiah. Only applies to single name accounts. If a Customer has more than 1 (one) savings account, the end-of-month balance for each account will be added to serve as the basis for calculating the balance increase. Held balances are excluded.
Mission #2	Option 1:Payment Purchase transactions (Top Up & Pay / QRIS OCBC mobile) with a minimum accumulation of IDR 300K per month. Option 2: Purchase of foreign currency equivalent of min. IDR 300K via OCBC mobile per month.	+1% p.a.	Applicable to all Top up & Pay available in OCBC mobile. Applicable to the purchase of all foreign currencies available in OCBC mobile from an IDR account. Top up & Pay transactions and/or the purchase of foreign currencies must be done in the same month as the increase in saving balance. Only applies to domestic and overseas QRIS Merchant Payment Transactions. The value of foreign currency purchases will be calculated using the nominal amount in Rupiah at the time of the foreign currency purchase.
Mission #3	Product placement in one of the following products with a min. of IDR 1 million: Bonds Mutual Funds Time Deposit (TAKA)	+2,5% p.a.	Applicable for new product placement (NTP and Non-NTP) in Rupiah in same the month of the increase in savings balance. Product placement must be done in the same month as the increase in saving balance. Minimum placement IDR 1 million. For Time Deposit, min. Tenor is 3 (three) months. For TAKA, min tenor is 1 (one) year. The amount of placement considered for TAKA is based on the nominal placement of the first month's installment and top-up (if any) in the month of opening the TAKA account. Not applicable to Money Market Mutual Funds. Applicable for primary & secondary market bonds.

Only applicable for individual customers who have joined the Nyala and Nyala Payroll service. Not applicable to OCBC employees.
Additional interest applies only to Savings in Rupiah.
Customer must complete mission 1 to receive additional interest.
Additional interest will be given according to the order of missions completed by the Customer, i.e. Mission #1, Mission #2 and Mission #3. If a customer does not complete the mission in orderly manner, the Customer will not receive the additional interest from the next mission.
Example:
- Customer completes Mission #1 → +1% p.a.
- Customer completes Mission #2 and #3 → 0% p.a.
- Customer completes Mission #1 and #2 → +2% p.a.
- Customer completes Mission #1 and #3 → +1% p.a.
- Customer completes Mission #1, #2, and #3 → +4,5% p.a.
Calculation of the provision of the additional interest is based on the following:
- Additional interest will be calculated based on the sum of the average balances from the following savings products:
  1. Tanda 360
  2. Tanda 360 Plus
  3. Tanda 360 Plus Digital
  4. Tanda 360 Plus Komunitas
- The average balance is calculated by dividing the total balances from the first to the last day of the month with the total number of days in that month (30/31).
- If the customer has more than 1 (one) account, the average balance of each account in the following month will be added together to become the basis for calculating additional interest.
- The maximum average savings balance that becomes the basis for calculating additional interest is IDR 100 millions per Customer.
- The average balance and transactions calculated for the additional interest provision requirements only come from the average balance and transactions of accounts with single name.
- The average balance considered for additional interest is the average balance in the following month after fulfilling the requirements of the additional interest missions.
- The average balance does not take into account hold balance.
Customers are required to have active accounts, for additional interest to be credited. If a customer has more than one account, the additional interest will be credited to the account with the highest average balance.
Customers will not receive the additional interest if during interest crediting period:
- The customer stops his/ hers Nyala service orchanges to Premier / Private Banking.
- The customer no longer has an active account.
The additional interest will be credited no later than the end of the following month from the month the additional interest applies (M+2 since the terms & conditions fulfilment month).
Example:
- Customer A completed the missions and became eligible to receive the additional interest in June 2026.
- The additional interest will apply for Customer A’s average saving account balances in July 2026.
- Additional interest will be credited to Customer A's active OCBC account with the highest average balance at the end of August 2026.
Customers will still receive savings interest from their Savings account in accordance with the applicable interest rate provisions.
Saving interest tax will be deducted from the additional interest given.
This program cannot be combined with Nyala Acquisition Program and/or Reactivation Program.

Ilustration:

	May	Jun	Jul	Aug
Case#1	Saving Balance: IDR 5 million	Saving Balance IDR 6 million → an increase in Saving Balance by IDR 1 million Accumulated transactions of IDR 500.000 3 months Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 20 million	Fulfilment of the +4,5% p.a. additional interest for July’s IDR 20 million average balance
Case#2	Saving Balance: IDR 5 million	Saving Balance IDR 6 million → an increase in Saving Balance by IDR 1 million Accumulated transactions of IDR 250.000 3 months Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 20 million	Fulfilment of the +1 % p.a. additional interest for July’s IDR 20 million average balance
Case#3	Saving Balance: IDR 5 million	Saving Balance IDR 5,1 million → an increase in Saving Balance by IDR 100K Accumulated transactions of IDR 350.000 3 months Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 20 million	No additional interest. Insufficient increase in saving balance in June.
Case#4	Saving Balance: IDR 5 million	Saving Balance IDR 15 million → an increase in Saving Balance by IDR 10 million Accumulated transactions of IDR 350.000 1 month Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 25 million	Fulfilment of the +2% p.a. additional interest for July’s IDR 25 million average balance
Case#5	Saving Balance: IDR 5 million	Saving Balance IDR 15 million → an increase in Saving Balance by IDR 10 million Accumulated transactions of IDR 350.000 3 months Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 8 million	Fulfilment of +4,5% p.a. additional interest for July’s IDR 8 million average balance
Case#6	Saving Balance: IDR 5 million	Saving Balance IDR 15 million → an increase in Saving Balance by IDR 10 million Accumulated transactions of IDR 350.000 3 monthsTime Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 25 million	No additional interest. Customer did not register to participate in the program.
Case#7	Saving Balance: IDR 5 million	Saving Balance IDR 15 million → an increase in Saving Balance by IDR 10 million Accumulated transactions of IDR 350.000 3 months Time Deposit placement of IDR 5 million. Customer has registered via email	Average saving balance: IDR 25 million	No additional interest. Customer has registered for Bonus Poinseru + Flash Sale program and not the Bonus Saving Interest program.

Bonus Poinseru + Flash Sale

Terms and Conditions:

Program period:
- Average saving balance increment & transactions: 1 June – 31 July 2026
- Flash sale: latest by 3^rd week of August 2026
Applicable for individual customers with IDR savings account. The following savings products:
- Tanda 360
- Tanda 360 Plus
- Tanda 360 Plus Digital
- Tanda 360 Plus Komunitas
Increase average saving balances within 2 months by min. of IDR 1 million.
- The average balance calculated only applies to savings products as per point 2 above.
- Any “Hold balance” are not calculated.
- The “average2-month balance” is calculated as: Average balance for June & July, divided by 2.
- The incremental average balance is calculated as average2-month balance, deducted by average balance for May.
Perform Top up & Pay transaction / QRIS transactions in OCBC mobile with accumulated value of IDR 300.000 per month.
- Applicable to all Top up & Pay transactions available in OCBC mobile.
- Applicable to domestic and overseas QRIS Merchant Payment Transactions
Eligible customers who have met the above terms and conditions will receive 10 (ten) Poinseru for every average balance increase of IDR 1 million (within the 2 months program period). Multiplesapply with a maximum of 1,000 bonus Poinseru per customer (Incremental IDR 100 million).
Poinseru Bonus will be credited in the 3rd week of August 2026
Customers who received bonus Poinseru will be sent an invitation to participate in flash sale according to the set schedule, where they can redeem interesting prizes at a discount in the special catalog available on Raih.idusing the Poinseru they already have.
Gifts redeemed duringthe flash sale must be redeemed in full with the customer's Poinseru.
The type of gift redeemed during flash sale is determined based on the two-month average balance increase tier.
If the customer's Poinseru balance is insufficient to redeem the item according to the two-month average balance increase tier, a lower tier reward will be awarded.
Each customer can only redeem 1(one) flash sale prize.

Poinseru exchange at the flash saleapplies as below:

Min 2 months average savings balance increase	Prize	Quota	Prize value	Flash Sale Poinseru required
IDR 1 million	OVO IDR 200.000	175	IDR 210.000	1.050
IDR 10 million	Galaxy Tab A11 Wifi 4/64	20	IDR 2.149.000	5.375
IDR 25 million	iPad 11th Wifi	5	IDR 7.149.000	10.724

Ilustration:

Customer A

Month	Average balance	OCBC mobile Transaction	Note
May 2026	IDR 5.000.000
June 2026	IDR 12.000.000	IDR 600.000
June 2026	IDR 12.000.000	Top up IDR 250.000 and QRIS IDR 350.000
July 2026	IDR 18.000.000	IDR 500.000
July 2026	IDR 18.000.000	QRIS IDR 250.000 and Pay IDR 150.000
Validation	Average balance increase 2 months: IDR 10 Million	Accumulated Transactions per month ≥ IDR 300.000 fulfilled	Eligible Bonus Poinseru & Flash sale GalaxyTab A11
Bonus Poinseru	100

Customer B

Month	Average balance	OCBC mobile Transaction	Note
May 2026	IDR 5.000.000
June 2026	IDR 35.000.000	IDR 100.000
June 2026	IDR 35.000.000	Top up IDR 100.000
July 2026	IDR 27.000.000	IDR 550.000
July 2026	IDR 27.000.000	QRIS IDR 250.000 and Top up IDR 300.000
Validation	Average balance increase 2 months: IDR 26 Million	Accumulated Transactions per month ≥ IDR 300.000 not fulfilled	Not Eligible Bonus Poinseru & Flash sale
Bonus Poinseru	0 (null)

Customer C

Month	Average balance	OCBC mobile Transaction	Note
May 2026	IDR 5.000.000
June 2026	IDR 8.000.000	IDR 650.000
June 2026	IDR 8.000.000	Top up IDR 300.000 and Pay IDR 350.000
July 2026	IDR 3.500.000	IDR 550.000
July 2026	IDR 3.500.000	QRIS IDR 250.000 and Top up IDR 300.000
Validation	Average balance increase 2 months: IDR 750.000	Accumulated Transactions per month ≥ IDR 300.000 fulfilled	Not Eligible Bonus Poinseru & Flash sale
Bonus Poinseru	0 (null)

General Terms and Conditions:

Applies to Existing OCBC Customers (ETB) who are invited and have been members of OCBC for at least 3 (three) months prior to the program period. Invited customers are required to register through the communication media sent by the Bank to the email address / phone number of the invited customers registered in the bank's system.
Invited customer can only participate in 1 (one) of the 2 (two) available programs during program period by registering via link provided.
If an invited customer registers in more than 1 program or registers multiple times, the default recognized chosen program will be the first program that is registered into the bank’s system.
Customers only need to register once during the program. Monthly re-registration is not required.
PT Bank OCBC NISP Tbk (the "Bank") The Bank, at its discretion and consideration, has the right to suspend or cancel the granting of additional interest if there is an indication of fraud, irregularity, or violation of these terms and conditions.
For further information, you can contact Tanya OCBC at 1500-999 or web.ocbc.id/misinabung regarding this Program.
These terms and conditions have been adjusted in accordance with the provisions of legislation, including the regulations by the Indonesian Financial Services Authority.
Bank has the right and authority to change, add, and/or reduce these terms and conditions with notification through any media deemed appropriate by the Bank, considering the applicable laws and regulations.
PT Bank OCBC NISP Tbk is licensed and supervised by the Indonesian Financial Services Authority & Bank of Indonesia and is a participant in the LPS guarantee scheme.