Program Cicilan 0% Money Transfer HUT RI

The Program Period is from 15 August 2025 to 31 December 2025 (“Program Period”).

Customers who are eligible to participate in this Program are as follows:

1. Customers who are active Bank Danamon credit card and charge card holders during the Program Period.
2. Customers who make transactions as stipulated in the General Terms and Conditions of this Program.
3. The Program also applies to Bank Danamon Employees.

Selanjutnya disebut (“Pemegang Kartu”).

1. Cardholders must read, understand, and agree to the General Terms and Conditions of this Program when submitting their application through the D-Bank PRO application.
2. Cardholders must register by filling out and submitting their application for participation in the program through the D-Bank PRO application, which is an integral part of the General Terms and Conditions of this Program.
3. Cardholders are solely responsible for all risks of loss, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Applies to all Danamon Credit Cards and Danamon Charge Cards (Visa, Mastercard, JCB, and American Express) (“Cards").
5. This Program does not apply to Corporate Cards, World Elite Cards, and RCP Platinum Cards.
6. The Card must be active, not in arrears, and not blocked.
7. The Card and transactions included and submitted to this Program are the Card and transactions selected by the primary Cardholder on the D-Bank PRO application.
8. The Program quota is 450 (four hundred fifty) first Cardholders who apply for the Money Transfer product through the D-Bank PRO channel during the Program Period (“Program Quota”). Cardholders understand and agree that if the Program Quota is exhausted before the Program Period ends, Customers will not be able to participate in the Program.
9. The minimum transaction amount that can be converted into installments is IDR 1,000,000 (one million rupiah), and the maximum transaction amount that can be converted into installments is IDR 50,000,000 (fifty million rupiah), with a repayment period (installments) of 6 (six) months.
10. The following are the administrative fees applicable to the transaction amount for this Program:

Promo	Tenor	Rate	Transaction Amount	Admin Fee
HUT RI	6 Months	0%	IDR 1 million - ≤IDR 20 million	IDR 300,000 (Existing promo)
			IDR 30 million - ≤IDR 50 million	3.5% from the total Money Transfer

11. The transaction information displayed in the D-Bank PRO app is the transactions on the primary card and additional cards, but only the primary cardholder is eligible to apply for this programme.
12. Transactions made in currencies other than the Indonesian Rupiah will be converted to Indonesian Rupiah in accordance with the conversion terms based on the exchange rate applicable to the card issuer (Visa, Mastercard, JCB, and American Express) and the conversion fee set by Bank Danamon at the time the transaction is recorded by Bank Danamon. Therefore, the transaction value in Rupiah displayed on the D-Bank PRO application before the transaction is posted may differ from the transaction value in Rupiah after the transaction is posted.
13. Cardholders agree that Bank Danamon has the right to charge interest and administrative fees for this Program in accordance with the amounts stated in the D-Bank PRO application.
14. The installment amount displayed on the confirmation page of the D-Bank PRO application is only an estimated calculation based on the Cardholder's chosen tenor and interest rate. The actual installment amount is as stated on the Cardholder's statement.
15. Interest charges and administrative fees will follow the chosen installment period and will be charged to the Cardholder for each transaction converted into an installment.
16. Installment interest is calculated using a fixed installment method, where the total fixed installment will have a different composition of principal and interest portions each month, with the composition reversing from the first installment until the final installment payment is made at Bank Danamon.
17. The conversion of transactions into installments will be processed within 1-2 (one to two) business days after the transaction is successfully recorded. If the transaction is not successfully recorded within 5 (five) business days, the Program application will be cancelled.
18. If necessary, in accordance with Bank Danamon's policy, Bank Danamon will confirm by telephone to the Cardholder's mobile phone number registered in Bank Danamon's system.
19. Bank Danamon reserves the right to refuse or cancel the Cardholder's participation in the Program if they do not meet the General Terms and Conditions of this Program and/or based on an assessment/examination conducted by Bank Danamon that is not in accordance with Bank Danamon's policy.
20. The Cardholder will receive notification of the Program application via email to the email address registered in Bank Danamon's system.
21. Any early repayment or cancellation of a Program transaction will be subject to a penalty fee of 5% (five percent) of the outstanding principal amount of the Program loan and any interest accrued at that time (if any).
22. For each late payment of a Program instalment, the Cardholder will be charged a penalty in accordance with the applicable fees of Bank Danamon.
23. In the event that the Cardholder fails to pay the minimum amount due on their Danamon Credit Card or Charge Card (or fails to pay the full amount due on their Danamon American Express Charge Card) for 2 (two) consecutive months on the due date, Bank Danamon will charge the entire remaining principal amount of the loan plus a penalty fee of 5% (five percent) of the remaining principal amount of the Program loan, late payment fees, and interest in effect at that time (if any).
24. For the purposes of this Program, the Cardholder hereby authorises Bank Danamon to convert transactions made with the Cardholder's Card into installments.

1. Other terms and conditions related to banking products, services, and/or transactions, as long as not regulated differently in the General Terms and Conditions of this Program, shall remain valid and binding on the Customer and become an integral part of this Program.
2. The General Terms and Conditions of this Program are an integral part of the ‘General Terms and Conditions of Bank Danamon Accounts and Banking Services’ and ‘General Terms and Conditions of Dana Instant’. These terms and conditions remain valid unless otherwise stated in the General Terms and Conditions of this Program.
3. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Customer has the right to submit their objections in writing to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have accepted the changes if the Customer does not submit an objection within the aforementioned period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program by first settling all of the Customer's obligations to Bank Danamon (if any).
4. The Customer declares that there are no and will be no transactions that are suspected of money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
5. If there are indications of fraud, cheating and/or irregular transactions, unusual transactions, money laundering and/or actions that are not in accordance with the laws and regulations, Bank Danamon reserves the right to cancel the transaction and/or cancel participation in the Program. The Customer remains obliged to settle all obligations to Bank Danamon.
6. Cardholders may file complaints regarding banking transactions/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
7. The procedures regarding complaint services applicable at Bank Danamon can be accessed through the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
8. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK) and Bank Indonesia.
9. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Deposit Insurance Agency (LPS).