Join the referral challenge this Ramadan from Honest! Invite your friends to use Honest Credit Card and win up to Rp2 Million in cash to your Honest Savings.

It's very easy to follow:

1. Share your referral link through the Honest app.
2. Make sure your friends click the link to apply for Honest Credit Card.
3. To claim your bonus, your friend must be approved for a regular card and make their first transaction.
4. Congratulations! The bonus will be credited in after all conditions are met.
   
   • For you: Get a bonus of up to IDR 2,000,000 to your Honest Savings.
   • For your friends: Get instant cashback of IDR 50,000.

Bonus Referral

• For Referrers: Bonus up to s/d IDR2,000,000 (two million rupiah) jt to your Honest Savings account
• For Friends: Traktiran Cashback IDR50,000 (fifty thousand rupiah)

Cash bonus up to Rp2jt

• Customers are entitled to receive Cash transfer to their Honest Savings up to IDR 2,000,000n (two million rupiah)  following the General Conditions.
• The total number of friends will be tracked over the campaign period via the referral link that is shared to their friends via Honest app
• The friends need to click the link before applying, and be approved for Regular Card in order to be eligible for this program
• The Cash transfer will be applied within 30 (thirty) days after the customer completes the required action.
• The cash incentive is based on the completed milestone. Please see the details below:
  
  • If you have successfully invited 5 regular card friends (milestone 1), you will receive a total of IDR375,000 (three hundred seventy five thouseand rupiah)
  • If you have successfully invited 10 regular card friends (milestone 2), you will receive a total of IDR800,000 (eight hundred thousand rupiah)
  • If you have successfully invited 15 regular card friends (milestone 3), you will receive a total of IDR1,300,000 (one million three hundred thousand rupiah)
  • If you have successfully invited 20 regular card friends (milestone 4), you will receive a total of IDR 2,000,000 (two million rupiah)jt

Bonus Cashback

• Eligible customers will earn a flat Cashback of IDR 50,000 to their account
• This offer is valid only once for each customer.

General provisions

• All Programs apply only to Honest Card primary cardholders who have good account status.
• Gifts cannot be transferred, exchanged, or cashed, unless otherwise stated.
• Honest Points awarded in this program can be redeemed through the Honest Points Program in accordance with its terms and conditions.
• Honest reserves the right to withhold or cancel a gift if fraudulent, abusive, or suspicious activity is detected.
• The user must click on the link marketing campaign or receive communications sent in order to receive incentives.
• All activities must be completed in a predetermined marketing campaign. Activities performed outside this period will not be eligible for incentives. More details can be seen in the specific incentives section below.
• All incentives campaigns will be fulfilled within 30 days of the end of the campaign period, or at any other time deemed appropriate by Honest.
• Decisions made by Honest regarding eligibility and fulfillment of incentives are final and binding.
• At this stage, the incentive only applies to customers approved for the Honest Card and does not include users approved through the Registration Fee or the Rp1 program. There is one exception related to the program Referrals, where either the referencing party (Referrer) or the referred party (Friend) is entitled to 500 Points as a Welcome Bonus. This applies if the referred friend is approved for the Rp1 program and tops up the account, or if they are approved for the Registration Fee and pay the fee. Welcome Bonus in the form of this point can be doubled depending on the number of friends that are successfully referenced.
• To qualify, the customer may perform the following actions to fulfill the eligibility of the promotion. However, this is not guaranteed and depends on the personal marketing communications received by the user:
  
  • For Users Who Have Never Made a First Transaction: Users may be eligible for incentives after making the first transaction.
  • For Customers Who Have Already Transacted: Users may be eligible for incentives after making their next transaction.
  • Referral Campaign: The referring party and the referenced friend may be eligible for incentives after Referrals successfully, and the friend made the first transaction.
  • Program Salvage: Users may be eligible for incentives after being approved and making the first transaction.
• Term Definition:
  
  • Referrer/ Themes: The program offers rewards in the form of points to existing customers (“Referrers”) who successfully refer another individual (“Friends”) who do not already have an Honest Credit Card, to apply for an Honest Credit Card online using a special referral code provided by Honest.
  • First Transaction: Refers to the initial transaction made by the customer using the Honest Card after the card is activated.

Other provisions

• Honest reserves the right to change the mechanism, eligibility criteria and rewards at any time.
• If there is a discrepancy between these Terms & Conditions (T&Cs) and other communications related to the Program, these T&Cs shall prevail.
• These programs are governed by the laws in force in the Republic of Indonesia.
• Honest may update these T&Cs from time to time. By continuing to use our Platform, you are deemed to agree to such updates.
• Customers should beware of fraudulent attempts from individuals claiming to be Honest representatives.
• Fraud or other criminal activity committed by third parties or individuals purporting to represent the program is beyond Honest's control.
• Never share personal data such as card number, expiration date, PIN, OTP, and CVC number with anyone.
• Customers have read these Terms & Conditions. Customers understand that by clicking the “Agree” button or other similar button, you are giving electronic consent that has the equivalent legal force of a wet signature, so no signatures on paper are required.
• Customer agrees in good faith that you will not (and will not permit or assist any party to) in any manner or forum in any jurisdiction:
• Questioning the validity of or objecting to these T&Cs;
• Defend non-compliance or breach of your obligations under these T&Cs; and/or
• Declare that these T&Cs are contrary to public policy or are not a valid and binding legal obligation for you that can be applied in accordance with its provisions.

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