Guaranteed low foreign exchange rates, provided in the form of reimbursement for the difference between the foreign exchange rate offered by Maybank Visa/Mastercard®/JCB Credit Cards and that of other credit cards for transactions made on the same day.

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 (twelve) months is IDR5 million/customer submitted.
• Attach the credit card billing statement from the other bank showing the exchange rate that is lower than the rate provided by Maybank, and send it via email 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