1. What Does BNI POIN+ mean?

BNI PoinPlus (BNI POIN +) is a points-based BNI customer loyalty program, where BNI customers will be given prizes in the form of a certain POIN + for banking activities carried out by individual customers of BNI Taplus savings products, including savings derived from BNI Taplus.

2. When does BNI POIN + start and end?

The BNI POIN+ program runs from January 1, 2025, to December 31, 2025, and may be extended according to the terms and conditions set by BNI.

3. What savings products can be included in the BNI POIN + program ?

The savings products that apply to the BNI POIN + Program are individual savings products in rupiah currency, namely BNI Taplus, Emerald Saving, Taplus Bisnis (individual), Taplus Muda, Taplus Pegawai, Taplus Anak and various BNI Co-Branding Cards.

4. What is the advantage of BNI POIN + compared to other bank reward programs?

The advantages are:

• Poin from the BNI POIN+ Program is easily obtained from various payment and purchase transactions through various BNI channels (Mobile Banking, ATM, EDC, etc.).
• The reward is guaranteed for the customer, as long as the points are sufficient for redemption, there is no need for a draw except for special redemption categories such as raffles/auctions/other similar events.
• Points are accumulated monthly, so their total continues to grow (if not redeemed).
• The customer is free to choose from a variety of instant rewards available as long as the points they have are sufficient for redemption.
• Customers are not subject to gift tax (Tax-free rewards).

5. Who can participate in the BNI POIN+ program?

All BNI customers and employees who have individual savings in rupiah currency, namely BNI Taplus, Emerald Saving, Taplus Bisnis, Taplus Muda, Taplus Pegawai, Taplus Anak and various BNI Co-Branding Cards can participate in this program.

6. How to earn POIN+?

• Payment transaction activities, multiples of Rp10,000,- through various BNI channels (Mobile Banking, ATM, EDC, etc.) get 1 point, valid for multiples of up to 20,000 points per month
• Purchase transaction activity, multiples of Rp10,000,- through various BNI channels (Mobile Banking, ATM, EDC, etc.) gets 1 point, valid for multiples of a maximum of 20,000 points each month.

Point Earn Simulation

7. How long is validity of BNI POIN+?

POIN+ will expire at the same time as the end of the BNI POIN + program period, and if the number or balance of Points is not redeemed, it will automatically expire.

8. When Will Customer Transactions Start to Be Counted for POIN+ Formation??

The calculation of POIN+ formation starts from January 1, 2025. The customer's points will expire on December 31, 2025. However, updates to points for e-channel and debit card transactions will be created approximately ±H+5

For Example: E-banking and debit card transactions on July 1, 2025, will have points created on July 6, 2025.

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9. How to get the BNI POIN+ balance information?

Customers can check the the POIN+ balance through BNI Mobile Banking.

10. How to redeem BNI POIN+?

Customers can redeem points online through BNI Mobile Banking by following the steps provided. After checking the number of points, customers can choose their desired rewards. Rewards are free to choose as long as the available points are sufficient and the stock of rewards is available.

*) Notes:

• Customers are not subject to Direct Prize tax
• The number of Customer points will be automatically reduced after redemptioning the prize.
• Points that have been redeemed cannot be returned.

11. What Direct Rewards Can Be Exchange With POIN+?

Points can be exchanged for all prizes in BNI POIN+ starting from the travel category (plane, hotel, vehicle rental, etc.) and e-vouchers (Alfamart, Indomart, LinkAja, Gopay, OVO etc.), Electronics, Fashion, Life Style, Home Living, Donations, etc.

12. What is the proof that customer have redeemed POIN+?

After the Customer has exchanged points, the Customer receives proof of the exchange via the Customer's email and the transaction is recorded in the transaction history menu.

13. Where customer can collect BNI POIN+ prize?

Prizes will be sent to the Customer's address in accordance with the address registered on the "shipping address" page.

14. What must be submitted by the customer to the courier when receiving BNI POIN+ gifts?

If necessary, the Customer must prepare and submit a copy of the valid KTP / Passport / Kitas to the courier or follow the policies / regulations that apply to the delivery service company.

15. What if the gift that is exchanged by the customer is not accepted by the customer?

BNI will send the gift according to the shipping address filled in by the customer at the time of exchange with the applicable SLA, but if after delivery the gift experiences a return for the following reasons: Address is incomplete, the person is not in place, the address is moved or the name is not known then BNI will contact the customer by telephone or email listed on the BNI system and will send it back after receiving information from the customer via telephone or email regarding the delivery of returned gifts.

However, if the customer cannot be contacted or there is no good response for no later than 10 working days after being contacted, BNI will not send the customer gift back and cannot be refunded. The prize is the authority of BNI.

16. How Long is the Validity Period BNI POIN+?

Points will expire at the same time the BNI POIN + program period ends, and if the point amount or balance is not redeemed / redeemed, it will automatically expire.

17. What if the BNI POIN + Customer does not increase after the transaction or decreases without redemption?

Customers can contact BNI Call 15000-46 or visit the nearest BNI branch office by submitting data: full name, account number, date of birth, debit card number and debit card expired date, email address and mobile number. For complaints at the Branch, the Customer then fills and signs the general application form and attaches a photocopy of the Savings Book, KTP and BNI Debit Card. Furthermore, the Branch will input Customer complaints through the CRM application to be followed up by the Head Office.
*) For detailed information on transactions that generate points, please read the terms and conditions of BNI POIN+ program.

18. Where The Customer Can Contact If there is any questions regarding BNI POIN+ Program?

Customers can contact BNI Call 15000-46selama 24/7.