Grow your total managed funds to get a special year-end cashback of up to IDR 23.25 million – Top Up Program

1 Jul 2025 - 31 Dec 2025

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Exclusively for OCBC Premier Banking customers, top up your funds now and get cashback up to IDR 23.25 million with the following scheme:

Program Scheme – End of Year Special Program

Customer Criteria	Activiries	Top Up Reward	Extra Cashback on Tanda Hold Savings	Total Reward
Customers with total managed funds < IDR 1,000,000,000 (as of December 31, 2024 and the previous 6 months) and throughout the current year (2025)	Placement of new funds (fresh funds) worth IDR 1,500,000,000 in Tanda Hold Savings with a 6-month tenor	0.15% max. IDR2.250.000	IDR21.000.000	IDR23.250.000
Customers with total managed funds ≥ IDR 1,000,000,000 before joining the program		0.1% max. IDR1.500.000	IDR21.000.000	IDR22.250.000

Notes: Rewards from the Tanda Hold program may change, following the conditions applicable for that month.

Or get cashback of up to IDR 2,250,000 for new deposits of at least IDR 100 million on other product options:

Program Scheme – Other product options

Customers Criteria	Activity	Reward	Max. Reward (IDR)
Customers with total managed funds < IDR 1 billion (as of December 31, 2024 and the previous 6 months) and throughout the current year (2025)	Placement of fresh funds in selected products* minimum IDR100 Million/product	0.15%	2.25 Million
Customers with total asset under management ≥ IDR1 Billion before participating in the program		0.10%	1.5 Million

*Selected Product (Minimum fund placement of IDR100 Million/product)
Bonds (transaction nominal)	Mutual Funds (excluding Money Markets)	Bancassurance (premiums paid)	USD savings (end-of-month balance & exchange rate)
Fixed Deposits with a minimum tenor of 3 months	Hold account with a minimum tenor of 3 months	Gold savings (total balance & end-of-month price)	Customer Fund Account with a minimum of 1x wrong purchase transaction at PTOS

Term & Conditions:

Customers are entitled to a reward if they meet the following conditions:
- This program applies to customers with the following criteria:
  - Customers with total managed funds < IDR 1 billion as of December 31, 2024 and the previous 6 months
  - Customers with total managed funds ≥ IDR1 Billion before joining the program.
- This program applies to OCBC Premier Banking customers with the following conditions:
  - Customers who have joined as OCBC Premier Banking Customers for at least 3 months.
  - Customers who have joined as OCBC Customers (non-Premier Banking) for at least 3 months and have been successfully upgraded to OCBC Premier Banking in the same month as the month they join the program.
- Participation in the Premier Top Up Program cannot be combined with other programs from the Premier segment (such as the Premier Take Off & OCBC Summer Camp Programs) or other segments, but can be combined with programs from each product included in the selected product category.
- Customers place fresh funds according to the program scheme table.
- Eligible products for this program are listed in the *Selected Products table (also applies to Sharia products). For the special year-end cashback, the only eligible product is the 6-month Tanda Hold Savings account, deposited through an OCBC branch.
- The calculation of reward eligibility will be based on the growth in total managed funds in the month the customer joins the program compared to the total managed funds of the customer in the previous month (net growth). Example: total managed funds of the customer before joining the program is IDR 0 (included in the category of total managed funds < IDR1 Billion). To get a maximum reward of IDR2.25 Million, the customer must top up IDR1.5 Billion.
- Placement of funds that are calculated into the growth of total managed funds must be done on the type of product that has been determined, which can be in the form of top up or opening a new product with funds originating from outside OCBC.
- Fulfillment of the program scheme must be done in the same month as registering for the program. Example: Customers join the program on 2 July 2025, then customers must place new funds & open new products before 31 July 2025.
- Rewards apply to a minimum growth in total managed funds of IDR100 Million and apply in multiples, up to the maximum value specified in the program scheme.
- Customers with total managed funds < IDR 1 billion are allowed to participate in the program as Customers with total managed funds < IDR 1 billion and ≥ IDR 1 billion, once each, as long as they have never participated in this program throughout the current year (2025).
- Customers with total managed funds ≥ IDR 1 billion are only allowed to participate in the program once, as long as they have never participated in the program throughout the current year (2025).
Rewards will be credited no later than the following month to an active Tanda 360 Plus / iB Mudharabah IDR account after the customer meets the applicable Terms and Conditions. Especially for placement in sharia products, rewards will be credited in the form of Poinseru with an equivalent value according to the program scheme. The form and mechanism of reward can be adjusted later with a maximum nominal amount as indicated.
The Bank, at its discretion and consideration, has the right to suspend or cancel the provision of rewards if there are indications of fraud, unfairness or violations of these Terms and Conditions.
The Bank has the right and authority to change, add and/or reduce these Terms and Conditions with notification through media deemed good by the Bank by considering the provisions and regulations of applicable laws and regulations.
Participation in the Premier Top Up Program cannot be combined with other programs from the Premier segment (such as the Premier Take Off & OCBC Summer Camp Programs) or other segments, but can be combined with programs from each product included in the selected product category.

Program Simulation

Customers	Month of joining the program and the total funds under management before joining the program	Activities	Reward percentage	Rewards	Remarks
Customer A	October 2025 with a total managed fund position of IDR 100 million	Top up fresh funds of IDR 1.5 Billion and allocated to open products: Mutual Funds IDR 750 Million Bancassurance IDR 750 Million	0,15%	IDR 2,250,000	Customers eligible for 0,15% cashback as customers with total funds under management < IDR 1 Billion
	November 2025 with a total managed fund position of IDR 1.6 billion	Top up fresh funds of IDR 1.5 Billion and allocated to open products: Mutual Funds IDR 1.5 Billion	0,10%	IDR 1,5 Million	Customers eligible for 0.10% cashback as customers with total funds under management of ≥ IDR 1 Billion
	December 2025 with a total managed fund position of IDR 200 million	Top up fresh funds of IDR 1 Billion and be used to open products: RDN IDR1 Billion	Not eligible	IDR 0	Customers are not eligible for 0,15% cashback because they have already joined the program
Total				IDR 3.75 Million	Total reward received
Customer B	November 2025 with a total managed fund position of IDR 5 billion	Top up fresh funds of IDR 5 Billion and allocated to open products: • Current Account IDR 5 Billion	Not eligible	IDR 0	Customers are not eligible for cashback because the placement of funds in the product does not match with the options
Total				IDR 0	Total reward received
Customer C	December 2025 with a total managed fund position of IDR 100 million	Top up fresh funds of IDR 550 Million and allocated to open products: • USD Savings equivalent to IDR 550 Million	0.15%	IDR 750 Thousand	Customers are eligible for 0.15% cashback on deposits of IDR 500 million (per multiple of IDR 100 million) as customers with total managed funds < IDR 1 Billion.
Total				IDR 750 Thousand	Total reward received
Customer D	February 2025 (Previous program period) with a total managed funds of IDR 2 billion	Top up fresh funds of IDR 1 billion and allocate to open products: IDR 1 billion bonds	0.1%	IDR 1 Million	Customers are eligible for 0.1% cashback as customers with total managed funds > IDR 1 billion in the previous program period.
Customer D	October 2025 With a total managed fund position of IDR 3 billion	Top up fresh funds of IDR 1 billion and allocate to open products: Tanda Hold Rp1 billion	Not Eligible	IDR 0	Customers are not eligible for 0.1% cashback because they have already joined the program in the current year.
Total				IDR 1 Million	Total reward received
Customer E	October 2025 with a total managed fund position of IDR 100 million	Top up fresh funds of IDR 1,500,000,000 and allocate them to open products: Hold sign with a tenor of 6 months equivalent to IDR 1,500,000,000	0.15%	IDR 2,250,000 + IDR 21,000,000	Customers are eligible for 0.15% cashback on placements of IDR 1.5 billion as customers with total managed funds < IDR 1,000,000,000 with extra cashback from the special year-end scheme (Tanda Hold bundling)
Total				IDR 23,250,000	Total reward received

^*Rewards for the Tanda Hold program are subject to change and follow the terms of the program that apply in that month.

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