Special Holiday Tabungan Pintar Program

Terms & Conditions

  • The program period runs from August 1 to December 31, 2026.

  • The program is open to individual customers, both New Customers (New CIF) and Existing Customers.

  • Customers must hold an active primary account in the form of an IDR Savings or IDR Current Account.

  • Opening of Tabungan Pintar must be completed at a Bank Artha Graha Internasional branch office (not applicable via digital channels).

  • The branch must enter the promo code: TRAVEL2026 at the time of opening the Tabungan Pintar account.

  • The monthly deposit scheme is determined based on the selected luggage type:

a. Unbranded Luggage

Tenure (Yrs)
Monthly Deposit
Penalty
Est. Final Balance*
Reward Type
1
IDR 5,000,000
IDR 625,000
IDR 60,000,000
Travel Luggage 18"
2
IDR 1,500,000
IDR 625,000
IDR 36,000,000
Travel Luggage 18"
3
IDR 700,000
IDR 625,000
IDR 25,200,000
Travel Luggage 18"

*Excludes savings interest

b. American Tourister Luggage

Tenure (Yrs)
Monthly Deposit
Penalty
Est. Final Balance*
Reward Type
1
IDR 8,500,000
IDR 1,062,500
IDR 102,000,000
American Tourister Luggage 18"
2
IDR 2,300,000
IDR 1,062,500
IDR 55,200,000
American Tourister Luggage 18"
3
IDR 1,100,000
IDR 1,062,500
IDR 39,600,000
American Tourister Luggage 18"

*Excludes savings interest

  • The opening branch for Tabungan Pintar must be the same as the branch of the primary account (source of funds).
  • Exclusive merchandise/gift rewards are provided upfront and will be credited/delivered no later than 20 business days after funds are placed.
  • Reward colors, types, forms, and program schemes are subject to change at any time according to budget availability, capped at a maximum of 2% per year of the placement value.
  • If the customer closes/withdraws funds prior to maturity, a reward penalty will apply (the reward must be returned or its value will be deducted) along with penalties in accordance with applicable Tabungan Pintar product terms.
  • The Bank's decision is final, and the Bank reserves the right to amend the program terms with prior notice through official Bank channels.
  • This program cannot be combined with other promotions unless explicitly stated by the Bank.