How Can I Use My Pluang Referral Reward?

You can use your Pluang referral reward only for investment transactions on Pluang: once claimed, it sits in your Saldo IDR (IDR Cash), and the terms restrict that balance to further investing in the Pluang app. It is not meant to be withdrawn as cash or spent outside the platform. The terms do not tie the reward to one particular asset, but different Pluang products are paid for from different balances. Whether you can use Saldo IDR for a given purchase depends on how that product is funded, and the payment screen shows which balances you can use before you confirm. Indonesian stocks, for example, are bought from your RDN rather than from Saldo IDR. Rewards are worth between Rp5,000 and Rp1,000,000 each, so check the amount against the minimum purchase of the asset you have in mind.

What the terms say about the reward:

• A claimed reward is added to your Saldo IDR (IDR Cash)
• That balance can be used only for further investment transactions on the Pluang app
• The reward is a cash amount of between Rp5,000 and Rp1,000,000, not an asset

Before you invest it:

• Check on the payment screen that Saldo IDR is offered as a payment balance for the product you want
• Check the product's minimum purchase against the reward amount
• Normal fees for that product apply to the purchase, as they would to any other investment

Related questions:

Q: Can I withdraw my Pluang referral reward?
The terms say a claimed referral reward goes to your Saldo IDR, which can be used only for further investment transactions on the Pluang app. Withdrawing it to a bank account is not one of those uses, so treat the reward as money to invest on Pluang. Once you have invested it, the investment is yours like any other, and what you do with it later follows that product's normal rules.

Q: Can I combine my Pluang referral reward with my own money?
The terms do not prevent it. The reward is added to your Saldo IDR, so for a product that can be paid from that balance, it sits alongside any other money in Saldo IDR. Each purchase still follows that product's normal minimum and fees. Check the payment screen to see which balances are available for that purchase before you confirm.

Q: Does my Pluang referral reward expire if I do not invest it?
The terms do not set an expiry date for a claimed reward sitting in Saldo IDR. They restrict what it can be used for, namely further investment on Pluang, rather than how long you can hold it. Pluang can change the program's terms at any time, but it states that changes do not affect rewards claimed before the change. The current terms are at pluang.com/referral.