Cashback 50% at Guardian Beauty Days with OCTO QRIS and Rp.50.000 discount with CIMB Niaga Credit Card

Periode Program: 4 Dec 2025 - 7 Dec 2025

Program Period:

• December 4th-7th, 2025
• December 25th-28th, 2025

Terms and Conditions of the Program Cashback 50% with QRIS OCTO

1. Cashback 50% (maximum IDR 15,000) per transaction at Guardian using QRIS OCTO as a payment method.
2. Promo cannot be cashed, does not apply to multiples, and cannot be combined with other promotions.
3. Promo is valid every day at participating Guardian outlets attached (Click here)
4. One customer can get a maximum of 1x cashback/ period/ OCTO account during the period.
5. During the Beauty Days program period, the regular 20% cashback program does not apply.
6. If there are any changes to the promotional program period, the Parties will make further confirmations.
7. Cashback is only given for QRIS OCTO transactions from OCTO Pay funding sources on the QRIS code at Mandiri EDC (not valid for QRIS generated by other acquirers)
8. The maximum QRIS limit determined by Bank Indonesia is IDR 10,000,000
9. Cashback will be credited in real time or a maximum of 1×24 hours to the OCTO Pay balance registered on the Customers OCTO.
10. By participating in this program, the customer agrees to take part in the promotion in accordance with the applicable terms and conditions.
11. Customers are required to inform the cashier that they will use the QRIS OCTO scan before making payment.
12. You can customize your preferences and relevance for promotional messages received and the communication media used by contacting CIMB Niaga service at 14041.
13. CIMB Niaga and Guardian can make changes to the terms and conditions of the program at any time, and/or end this program with prior notification.
14. CIMB Niaga & Guardian has the right to cancel cashback benefits if there are indications of abuse, fraud, manipulation or non-compliance with the applicable program terms & conditions.

Terms and Conditions of the Program discount Rp 50.000 with CIMB Niaga Mastercard

1. Discount Rp 50.000 per transaction at Guardian when using Platinum & Premium Credit Cards with Mastercard type 
   • Premium (Mastercard World, Master World Sharia, Mastercard World Accor Live Limitless, Master World Cathay)
   • Platinum (Mastercard Platinum, Master Platinum Accor, Mastercard Platinum Syariah)
2. Valid for a minimum transaction of Rp 500,000.
3. One customer credit card can receive a maximum of 1 Discount per CIF during the promotion period.
4. The promotion cannot be redeemed for cash, does not apply in multiples, cannot be split across transactions, and cannot be combined with other promotions.
5. The promotion is valid every day while the Beauty Days program is running at all Guardian outlets (Click here).
6. Customers are required to inform the Cashier that they will be using a Mastercard Credit Card before making a payment.
7. CIMB Niaga and Guardian can make changes to the terms and conditions of the program at any time, and/or end this program with prior notification.
8. CIMB Niaga & Guardian has the right to cancel cashback benefits if there are indications of abuse, fraud, manipulation or non-compliance with the applicable program terms & conditions.

Transaction steps with QRIS OCTO:

1. Enter the OCTO Application, then Login,
2. Select the Pay QRIS menu,
3. Then scan the QR with the appropriate nominal value,
4. Confirm payment,
5. Enter the OCTO PIN,
6. The payment process has been completed.

Disclaimer:

1. CIMB Niaga & Merchants reserve the right to cancel cashback benefits if there is any indication of misuse, fraud, manipulation, or non-compliance with the applicable terms & conditions of the program.
2. The availability, quality, type, price, suitability, timing, and delivery process of goods and/or services provided by the Merchant to the Customer are entirely the responsibility of the Merchant.
3. Any data and transaction instructions made by the Customer using QRIS OCTO are entirely the responsibility of the Customer.
4. All claims for returns or exchanges are the sole responsiblity of the Merchant and must be directly made by the Customer to the Merchant.
5. For further information on how to make online purchases using OCTO, Customers can visit the website www.branchlessbanking.cimbniaga.co.id or contact Phone Banking 14041.