Guaranteed low foreign currency exchange rate, given in the form of replacement for the difference in foreign currency exchange rates provided by the Maybank Credit Card, if it is proven that there is a lower exchange rate on the same Visa / Mastercard® / JCB Credit Card, on the same day of transaction.

Terms and conditions for exchange rate difference claims:

• The maximum period for submitting an exchange rate difference claim is within 30 (thirty) days after the transaction appears on the Maybank Credit Card billing statement.
• The maximum amount of exchange rate difference claims that a customer can receive in the last 12 months is IDR5 million/customer submitted.
• Attach proof of other bank bills informing the lower exchange rate than the one given by Maybank in the email sent to customercare@maybank.co.id with the email subject: Claim for Exchange Rate Difference - Overseas Program.
• Claims are made by attaching proof of credit card bills from other banks with the same principal as the Maybank Credit Card used for the transaction, for example: Visa / Mastercard® / JCB.
• Comparison of transactions using credit cards from other banks must be made on the same day as transactions from the same card owner with transactions made using a Maybank Credit Card.
• If the results of the investigation prove that another bank provides a lower exchange rate, the difference in the exchange rate will be credited in the form of cashback, no later than 30 (thirty) days after the claim is made.
• At the time of crediting cashback, the Maybank Credit Card owned must be in an active condition, no blocking, no over limit, and no late payments.
• PT Bank Maybank Indonesia Tbk has the right to cancel, postpone, extend or end this program beforehand: varying, deleting or adding any of the terms and conditions at its absolute discretion and will be informed via the Maybank website at www.maybank.co.id
• At any time, Maybank, based on its own discretion, has the right to disqualify customers who are proven or indicated to have committed fraud, violated applicable laws and regulations and/or carried out other deliberate manipulation in connection with the implementation of the program.

Illustration:
Maybank Visa Credit Card exchange rate 1 USD = IDR14,500
Other Bank Visa Credit Card exchange rate 1 USD = Rp14,250
Customer Purchase Transaction Value = USD2,000
Cashback on guaranteed low exchange rate = IDR500,000
Difference on exchange rate IDR14,500 - IDR14,250 = 250 x spend value USD2,000