Flexi Rasa Maxi is a program which locks your fund in Flexi Saver. Jenius users who joined the program according to the terms and conditions can choose a locking period (3, 6, or 12 months), amount of placement, and rewards in a form of cashback, pure gold, gadget/electronics, or vehicles.

Regular Flexi Saver: Funds are not locked, you can add funds to the Flexi Saver account, all funds can be moved from Flexi Saver account to Active Balance, and you will get an applicable Flexi Saver interest.

Flexi Rasa Maxi: Funds in this account will be locked for a period of time that you’ve chosen. In return, you will get an upfront reward in a form of cashback, pure gold, or gadget/electronic. The amount locked in this account cannot be moved to Active Balance. During the locking period, you will receive an interest rate of 0% p.a.

All Jenius users with an active Jenius account has the chance to get an upfront reward in a form of cashback, pure gold, gadget/electronic, or vehicles after successfully placing and locking funds in Flexi Saver according to the applicable terms and conditions. You can see the details of upfront rewards in the terms and conditions of the program.

You can join Flexi Rasa Maxi by following these steps:
1. Go to Wealth page in your Jenius app, then scroll down to Save It section.
2. Choose Add Save It.
3. Choose Flexi Saver.
4. Choose Flexi Rasa Maxi, then follow the steps given.

You can select the fund placement starting with IDR 10.000.000 with a locking period of 3, 6, or 12 months as long as the program is active.

When you join the Flexi Rasa Maxi program, the interest on a locked Flexi Saver account will be 0% p.a and is replaced with an upfront reward chosen by you. Once the locking period is over, the Flexi Saver interest will return to 2.5% p.a. or follow the applicable Flexi Saver interest rate.

Interest for the Flexi Saver locked for the program will be 0% p.a.

Yes. You can participate in more than 1 Flexi Rasa Maxi program available on your Jenius account.

The locking of funds in the Flexi Rasa Maxi program will be done instantly. Once you enter the password as the last step in creating Flexi Rasa Maxi, the funds will be immediately locked. You will also receive a locking confirmation via e-mail registered with Jenius and through push notification.

Existing funds in your Jenius account can be used if you have already participated in Flexi Rasa Maxi and wants to add or extend Flexi Rasa Maxi.

All balance from Jenius or BTPN (from Active Balance, existing balances in Flexi Saver, Maxi Saver balances, and funds transferred from other Jenius or BTPN accounts) are not categorized as fresh funds.

You can select upfront rewards in the form of cashback, pure gold, gadgets/electronics, or vehicles. For more information about the types of rewards, see the rewards table or as stated on the Jenius application.

Rewards will be received upfront (received at the beginning/ after the funds in your Flexi Saver are successfully locked).

Rewards in the form of cashback will be sent directly to your Jenius account at a maximum of 7 working days after the funds in your Flexi Saver have been successfully locked.

Rewards in the form of pure gold and gadgets/electronics will be sent as a unique code to your e-mail and can be exchanged on Blibli’s website or application. Unique code will be sent at a maximum of 15 working days after your Flexi Saver funds have been successfully locked.

The unique code will expire in 1 year after you received the code via the e-mail registered in Jenius. If you haven’t received a unique code for more than 15 days, please contact Jenius Help at 1500 365 or e-mail [email protected].

Please contact Jenius Help if the selected reward is not available at Blibli.com.

If you change your mind and want to change the reward to cashback, you can also contact Jenius Help to change the reward.

1. Go to Wealth page in your Jenius app, then scroll down to Save It section.
2. Choose Flexi Saver.
3. Choose the Flexi Saver that you want to disburse.
4. Choose Finish Flexi Rasa Maxi (valid on weekdays and holidays).
5. You’ve successfully finished Flexi Rasa Maxi! Your funds will be disbursed to your Active Balance.

If you don’t disburse the funds in #FlexiRasaMaxi after the maturity date, your funds will stay in Flexi Saver with an interest of 2.5% p.a. (or following the applicable interest rate).

You can withdraw your funds early or cancel your participation by contacting Jenius Help at 1500 365. However, you will be subjected to a penalty according to the terms and conditions that apply (see the penalty table in the Terms and Conditions).

The funds that will be returned to Active Balance would be deducted from the penalty. For details of the penalty amount, see the program Terms and Conditions.

Rewards delivery status can be seen directly on the Blibli website/application.

A unique code for reward exchange will be sent to your e-mail address registered with Jenius within 15 working days. If you haven’t received a unique code for more than 15 days, contact Jenius Help at 1500 365 or [email protected] to check your registered e-mail address.

No, the color for gadgets/electronics and vehicles will be subject to the availability of goods.

You will be directed to first create a Blibli account. You can register to Blibli here.

You will only need to pay for the delivery fee for the rewards chosen according to the terms and conditions that apply at Blibli.

If the reward you selected is cashback, you can call Jenius Help at 1500 365 or send an e-mail to [email protected].

If the reward you selected is pure gold, gadget/electronic, or vehicles you can contact Blibli’s customer service.

You can call Jenius Help at 1500 365 or send an e-mail to [email protected] for further information.

The terms for deposits guaranteed by LPS are the maximum amount of deposits (principal and interest) of IDR 2 billion per customer per bank and with earnings below the interest rate set by LPS. Currently the applicable LPS interest rate is 3.75% per year.

The criteria for deposits guaranteed by LPS are as follows:

– Deposits are recorded in the bank’s books.
– The customer gets a reasonable earnings from their savings or receives a total profit that does not exceed the interest rate set by LPS.
– Customers who own deposits do not take actions that are detrimental to the bank, such as having a bad credit at the bank.

Your previous #FlexiRasaMaxi will remain valid by following the previous Flexi Rasa Maxi Terms and Conditions.

See the Terms and Conditions of the previous Flexi Rasa Maxi program here.