Get Exclusive cashback for Ayo Superhost member, open Nyala now!

Join Nyala and get cashback up to IDR 385.000

Terms and Conditions of join Nyala program:

1. Customers are required to join the Nyala OCBC service.
2. The promo is valid only for new OCBC customers who open an account via OCBC Mobile using the promo code: “AYOSUPERHOST’’.
3. Promo is valid for 1 CIF/month.
4. Customers are required to enter the promo code that has been specified at the time of account opening.
5. 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.
6. 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.
7. 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 4^th (four) month after the fulfillment of the scheme.
8. Rewards are given of cashback or other with an equivalent nominal.
9. Eligible for fresh fund only, must come from accounts outside OCBC, including funds deposited in cash.
10. Promo cannot be combined with other acquisition promos.

Get cashback from referral program

Terms and Conditions Referral Program:

1. Eligible for fresh fund only, must come from accounts outside OCBC, including funds deposited in cash.
2. The Referrer must have joined the Nyala service (not applicable for Nyala Bisnis).
3. The Referral Program is only valid for new customers using the promo code: ''AYOSUPERHOST''
4. Referrers will only receive the max reward. 15 referral recipient customers per year.
5. The placement scheme only applies to referrals made digitally.
6. Fulfillment of the terms and conditions of the program by the reference recipient, no later than the end of the following month from the month of formation of the CIF.
7. Negligence in entering the promotional code causes the reward to not be credited and is not the responsibility of the Bank.
8. The Customer MUST use one of 1 of the 2 channels, namely OCBC mobile or Internet Banking (The name and phone number entered by the Referee in Internet Banking are the same as those entered in the Bank's system when the Referee opens an account).
9. The referee account must be active and not blocked for any reason when the payment of program rewards is made by the Bank.
10. Follow these steps for referral program

    Pemberi Referral		Penerima Referral:
    Melalui OCBC mobile	Melalui Internet Banking/ Website OCBC	Onboarding melalui OCBC mobile
    Log in to OCBC Mobile, on the home page (dashboard) Klik ikon “Rewards”, pada section “Get a reward of up to xxx for each of your friends who join OCBC” Select the Refer a Friend menu Click "Invite My Friend" and share it with the referred relative through the media of your choice Click Ok on the "Invitation has been sent" Notification Information to your relatives to enter the Referral Code received when opening an account via OCBC Mobile	Log in to online.ocbc.id Login to Internet Banking Click "Customer Service" and then "Refer a Friend" Enter the personal data of the relative / family you are referring to (input Name and Mobile Number) Then click "Ok" to save the data	Download the OCBC Mobile application, then click "Login" Select the option "Don't Have an OCBC Account Yet" Click "Open Nyala by OCBCC Service" Select the Ignition option and click "Apply" Click "Add Promo/Referral" Enter the Unique Referral Code in the Search for promo/referrals section and add x AYO.Example: ABC123 x AYO Click the code to use. If the code has been successfully installed, it will appear in the Referral/Promo section used After that, fill in the data until the status of "Account Formed"

General terms and conditions:

1. 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.
2. For more information, please contact Tanya OCBC 1500-999 or on the www.ocbc.id website related to the Program.
3. These terms and conditions have been adjusted to the provisions of laws and regulations, including the provisions of the Otoritas Jasa Keuangan (OJK) regulations.
4. 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.
5. 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.

Get up to 3x cashback every month for your transaction at Ayo App Program Scheme:

Terms and Conditions Transaction Program :

1. Customers are required to join the Nyala OCBC service.
2. Promo is valid for new customers by using promo code “AYOSUPERHOST” and existing OCBC customers. 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.
3. Promo is valid for 1 CIF/month.
4. Eligible customers are all OCBC customers who meet the applicable program scheme.
5. 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.
6. 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.
7. 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.
8. Rewards are given of cashback or other with an equivalent nominal.
9. 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.
10. For more information, please contact Tanya OCBC 1500-999 or on the www.ocbc.id website related to the Program.
11. These terms and conditions have been adjusted to the provisions of laws and regulations, including the provisions of the Otoritas Jasa Keuangan (OJK) regulations.
12. 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.
13. 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.