It's always a good feeling when your everyday spending can translate into something extra, isn't it? For CIMB Niaga customers, especially those who are part of the ALL - Accor Live Limitless loyalty program, this is precisely the kind of magic that can happen.
At its heart, the program allows you to convert your Poin Xtra, a common reward point currency, into ALL reward points. Think of it as a bridge, connecting your existing loyalty points to a broader world of travel and lifestyle benefits offered by Accor. However, there's a key detail to remember: you need to be a member of the ALL program to make this conversion happen. And, importantly, these points can only be transferred to an ALL account under your own name. Once transferred, these Poin Xtra can be used according to the ALL program's rules, opening up possibilities for settling balances or even snagging some nice gifts.
To even get started with this, having a valid ALL card is the first step. It's the gateway to participating in the program. Now, a point of clarification that's good to keep in mind: the reward points transferred to your ALL account won't contribute to calculating your ALL - Accor Live Limitless tier status, nor will they help you maintain your current level. It's more about the direct redemption value. For a rough idea, 2,000 reward points are equivalent to about 40 Euros, though it's worth noting that currency conversions are illustrative and not contractual.
Beyond manual conversion, the CIMB Niaga ALL Accor Live Limitless credit cards are designed to automatically earn you points as you spend. It’s quite straightforward: for every 20,000 Indonesian Rupiah spent, you accumulate points. The specifics vary depending on the card. For instance, the CIMB Niaga Platinum ALL Accor Live Limitless card earns you 1 ALL reward point for every 20,000 Rupiah spent at Accor Group hotels, and 0.5 ALL reward points for the same amount spent elsewhere. The CIMB Niaga World ALL Accor Live Limitless card, on the other hand, is a bit more generous, offering 3 ALL reward points per 20,000 Rupiah at Accor hotels and 1.5 ALL reward points for other merchants.
There were also specific manual conversion rates for Poin Xtra to ALL reward points, though these had a validity period until the end of 2022. For example, 2,000 Poin Xtra could be exchanged for 375 ALL reward points for World cardholders, 250 for Platinum cardholders, and 100 for other CIMB Niaga credit cardholders. These were manual processes, requiring a conscious effort to redeem.
Joining the ALL - Accor Live Limitless program is essentially about becoming part of a customer loyalty initiative that aims to enhance your experiences, whether you're traveling or simply enjoying everyday life. It’s about making those connections between your banking and your lifestyle, turning points into tangible benefits.
