Simply make your first transaction and earn more Honest Points.

General provisions

• All Programs are open only to Honest Card primary cardholders in good standing.
• Rewards are non-transferable, non-exchangeable, and cannot be converted into cash unless otherwise stated.
• Honest Points awarded under these Programs can be redeemed through the Honest Points Program in accordance with its terms.
• Honest reserves the right to withhold or cancel rewards if fraudulent, abusive, or suspicious activity is detected.
• Users must click on the marketing campaign link / receive the communication in order to receive the incentive.
• Completion of activities must occur within the specified campaign period, any actions that fall outside of this period, will not be eligible for the campaign incentive. Please see specific incentive sections below for further details. 
• All incentives are dependent on the user making a first transaction of minimum Rp50k, and applies to all campaigns.
• All campaign incentives shall be fulfilled within 30 days of the campaign period, or whenever deemed appropriate by Honest.
• Decisions made by Honest regarding eligibility and fulfillment are final and binding.
• At this stage, these incentives are only eligible for customers who are approved for Honest Card and does not include users approved via Registration Fee or Rp1 offers. There is one exception for this relating to the Referral program whereby users are eligible to 500 Points as a Welcome Bonus each for Referrer and Friend, if Referred Friend is approved for Rp1 and tops up their account, or if they’re approved for Registration Fee and pay the fee. This Welcome Bonus as Points can multiply dependent on the number of Friends the Referrer successfully refers. 
• To qualify for these incentives, customers may complete the following actions to be eligible for the promotion. This is however not guaranteed, and is based on the personalised marketing communication a user receives:
  
  • For users who have not made a first transaction - user may be eligible for incentives upon making a first transaction.
  • For customers who have previously made a transaction - user may be eligible for incentives upon making further transactions
  • Referral campaigns - Referrer and Friend may be eligible for incentives upon a successful Referral, and the Friend going on to make a first transaction. 
  • Salvage program - user may be eligible for an incentive following approval and making a first transaction
• Definitions of terms:
  
  • Referrer / Friend: This program offers a points reward to existing customers ("Referrers") who successfully refer other individuals ("Friend") who do not yet have an Honest Credit Card, to apply for an Honest Credit Card online using a special referral code provided by Honest.
  • First Transaction: The first transaction refers to the initial transaction performed by the Customer using the Honest Card after the card has been activated.

Honest Point Multiplier Bonus

• Customers can earn additional Honest Points through a multiplier of x2, x3, x4, or x5 Points, depending on the active promotion
• Generally multipliers applies to the specific campaign period, e.g. 9/9 promotion, user spend is eligible for increase multiplier, during the campaign period of 3rd-17th September
• Multipliers are applied to eligible transactions only and are calculated on top of the base Honest Points earned.
• Referral Bonus Multipliers:
  
  • When a customer (“Referrer”) successfully refers to a friend who activates their Honest Card and makes a transaction of at least Rp50,000 (fifty thousand rupiah), both the Referrer and the Friend will receive an additional multiplier on their Honest Points earned from transactions during the campaign period.
    
    • Example: Referrer earns 10.000 points in September from transactions. The campaign will credit the referrer and additional 10.000 points per Friend referred.
  • Each successful referral grants an extra multiplier level (e.g., if the active promotion is x2, a new successful referral may upgrade the reward to x3 for the Referrer only. The Friend will only receive a maximum of x2 Points based on the points earned by Friend.
    
    • Example: Referrer refers Friend A and successfully completes mission. During the same period, Referrer refers Friend B and completes mission. During this period, Referrer earns 15.000 points from transactions. Due to 2 successful referrals, Referrer gets 15.000 x 2 extra bonus = 30.000. In total, Referrer receives 45.000 points during this period.
    • Friend A is referred by Referrer. Friend A earns 10.200 points during this period from transactions. The campaign will credit Friend A additional 10.200 points (not 20.400 points).
  • The multiplier will apply to all spending made during the entire month following the successful referral. For example, if the Referrer refers a friend in September, the multiplier will apply to all eligible transactions made in October.
  • Multiple referrals may increase multiplier levels, but total rewards are capped based on the customer’s available credit limit.
  • Honest reserves the rights to exclude transaction refunds and reversals made from the exclusion of bonus points calculation.
• The maximum amount of bonus, Honest Points that is eligible to be earned by referred / friend is capped at their credit limit.
  
  • Example: If Referrer’s credit limit is Rp100.000, the maximum amount of bonus that can be received is Rp100.000.ee
• Exclusions & Caps:
  
  • Multiplier is capped based on the users limit, over payments are not eligible. E.g. if user has limit of Rp100.000, x5 multiplier would lead to maximum Points of a value of Rp5.000. The points conversion rate is at the discretion of Honest and may change from time to time.
  • Multiplier Referrals are capped at 4 during the campaign period.
• The Program will run for 1 (one) month unless otherwise stated.

Other provisions

• Honest reserves the right to change the mechanics, eligibility criteria, and rewards at any time.
• If there is any inconsistency between these T&Cs and communications relating to a Program, these T&Cs shall prevail.
• The Programs are governed by the laws of the Republic of Indonesia.
• Honest may update these T&C from time to time. By continuing to use our Platform, you agree to the updates. 
• Customers should be cautious of fraud attempts by individuals posing as Honest representatives. Any fraud or other criminal activities conducted by third parties or individuals claiming to represent this program are beyond Honest's control. Do not share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
• Customer have read these T&C. Customer understand that by clicking "Agree" or another button of the same nature, Customer are giving an electronic consent that has the same power as a wet signature so that it is not required for paper signing. Customer agree in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction: 
  
  • Object to the validity or raise any objection to the T&C;
  • Defend Customer non-performance or breach of obligations under the T&C; and/or
  • Declare that these T&C are contrary to public policy or are not a legal, legal and binding obligation on you that may be imposed against Customer in accordance with its provisions.

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