Exclusive for Customers

Enjoy Smart Spending Cashback of 20%, with total cashback of up to IDR 250,000 per month, from your transactions using Maybank QR Pay or Maybank Privilege Debit Card, funded from your Maybank Global Access/Global Access iB Savings Account, as well as bill payments via the M2U ID App.

To be eligible, please ensure that you have activated your Maybank U Goal Saver/U Goal Saver iB Savings Account and maintain the required average monthly balance in accordance with applicable terms.

Period 1 April – 30 June 2026

Terms & Conditions:

• This program is valid for Maybank Privilege customers with a minimum total relationship balance of IDR50 million.
  More information Maybank Privilege CLICK HERE
• The Smart Spending cashback 20% program cannot be combined with other promotions, including the Smart Spending Cashback 10% program.
• How to get cashback 20% with a total cashback of up to IDR250,000:
  1. Already hold a Maybank Global Access/Global Access iB Savings account and have activated a Maybank U Goal Saver/U Goal Saver iB Savings Account.
     Guide for opening a Maybank Global Access/Global Access iB Savings Account via M2U ID App
     CLICK HERE
     Guide for activating a Maybank U Goal Saver/U Goal Saver iB Savings Account
     CLICK HERE
  2. Maintain the required average monthly balance, as outlined below:
     

     Average Monthly Balance	Cashback (%)	Max cashback/month
     		Maybank Privilege Debit Card / QR Pay	Bills via M2U ID App
     Minimum IDR10 million	20%	IDR200,000	IDR50,000

• Average Monthly Balance calculations exclude any funds blocked/held due to program participation
• Retail transactions using Maybank QR Pay or the Maybank Privilege Debit Card, funded from a Maybank Global Access/Global Access iB Savings Account, are eligible for cashback of up to IDR200,000 per month.
• Monthly bill payments (such as electricity, water, telephone, and cable TV) via the M2U ID App are eligible for cashback of up to IDR50,000 per month.
• Cashback will be credited to the Maybank U Goal Saver/U Goal Saver iB Savings Account in the following month after the transaction period.
• If the Maybank U Goal Saver/U Goal Saver iB Savings Account has matured, cashback will be credited to the newly opened U Goal Saver account.  Kindly ensure that a new Maybank U Goal Saver/U Goal Saver iB Savings Account is opened upon maturity to remain eligible for cashback under the Smart Spending feature.
• Maybank U Goal Saver/U Goal Saver iB Savings Accounts cannot be withdrawn prior to maturity in accordance with the selected tenor. Early withdrawal is only permitted after 3 (three) months and will be subject to a fee of IDR10,000 per account.
• For Customers holding multiple Maybank Savings Accounts with Smart Spending benefits (Maybank U/U iB Savings Account or Maybank Payroll Savings Account or Payroll Savings Account), the maximum cashback awarded will be the highest single benefit amount.
• PT Bank Maybank Indonesia Tbk reserves the right to review, verify, and decline any account opening application submitted by customers in accordance with applicable regulations.
• PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program, as well as to vary, remove, or add any of the terms and conditions at its sole discretion, with prior notice in accordance with applicable regulations. Updates will be announced via www.maybank.co.id
• PT Bank Maybank Indonesia Tbk reserves the right, at its sole discretion, to disqualify any customer who is found or suspected to have engaged in fraud, violated applicable laws and regulations, or conducted any form of manipulation in relation to this program.