More Information About Danamon JCB Precious Credit Card Features

Welcome Offer Program 2023: e-Voucher

A. Program Description

These General Terms and Conditions of the Welcome Offer E-Voucher Program for Danamon JCB Precious Credit Card ("Program General Terms and Conditions") constitute the terms and conditions that apply to cardholders participating in the Welcome Offer E-Voucher Program for Danamon JCB Precious Credit Card ("Program") organized by PT Bank Danamon Indonesia Tbk ("Bank Danamon").

Cardholders hereby agree and bind themselves to all provisions in the General Terms and Conditions of the Program as follows:

B. Program Period

This program is valid from 1 January 2023 to 31 December 2023 ("Program Period").

C. Program General Terms and Conditions

Cardholders must read and understand the General Terms and Conditions of the Program.
Bank Danamon has the right to refuse or cancel the Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of the Program.
The Cardholder is fully responsible for all risks of losses, demands, lawsuits, and/or claims in connection with the participation and/or cancellation of the Cardholder's participation in this Program.
Valid for Cards approved and issued by Bank Danamon during the Program Period.
Cardholders are required to accumulate domestic and/or international retail transactions during the first 60 (sixty) calendar days from the time the Card is approved and issued ("Transaction Period") during the Program Period with the following criteria:
1. For Card periods approved and issued during January through June 2023, a minimum accumulated transaction of Rp15,000,000,- (fifteen million rupiah) is applicable.
2. Transactions made do not include Bill Payment (routine bills), Insurance Payment, Cash Advance (cash withdrawal), Money Transfer (fund transfer), and Installments.
Cardholders who meet the General Terms and Conditions of the Program will receive a prize in the form of Traveloka E-Voucher ("Prize") worth Rp2,500,000,- (two million five hundred thousand rupiah).

Rewards will be awarded a maximum of 60 (sixty) calendar days from the month the Transaction Period ends. The following illustrates the period of card approval and issuance as well as the Transaction Period:

Date of Card Approval and Issuance	Transaction Period (First 60 Calendar Days)	Reward Delivery Period (Maximum 60 Calendar Days)
10 January 2023	10 January 2023 – 11 March 2023	Max. 10 May 2023
5 February 2023	5 February 2023 - 6 April 2023	Max. 5 June 2023
4 March 2023	4 March 2023 – 3 May 2023	Max. 2 July 2023

The following is an illustration of this program:

Simulation

Date of Card Approval and Issuance

Accumulated Transactions

Reward Value

Scenario 1: Meets the requirements

10 January 2023

Rp20 Million between 10 January – 2 March 2023

Rp2,5 Million

Skenario 2:

Does not meet requirements

1 February 2023

Rp12 Million between 1 February - 2 April 2023

N/A

With the approval and issuance of the Card to the Cardholder within the Program Period, as well as carrying out transactions during the Transaction Period in accordance with the General Terms and Conditions of this Program, the Cardholder is considered to have read, understood and agreed to participate in the Program and comply with the General Terms and Conditions of the Program. The approval and issuance of the Card to the Cardholder and the transactions made by the Cardholder are valid proof of the Cardholder's participation in the Program and the Cardholder's acceptance to adhere to the General Terms and Conditions of the Program.

D. Other Terms and Conditions

Other terms and conditions associated with banking products and/or services, as long as they are not regulated differently in the General Terms and Conditions of this Program, remain in effect and bind Cardholders and constitutes an inseperable part of the General Terms and Conditions of the Program.
These General Terms and Conditions of the Program are an inseparable part of the "General Terms and Conditions of Bank Danamon Card Membership". These terms and conditions remain in effect provided that they are not otherwise regulated in these General Terms and Conditions of the Program.
The Cardholder declares that there are no transactions indicative of money laundering and/or other transactions that are prohibited under the prevailing laws and regulations of Indonesia.
If there are reports that indicate fraud, deception, transaction irregularities, improper transactions, criminal acts of money laundering, and/or other actions not in accordance with applicable laws and regulations, Bank Danamon has the right to cancel transactions, cancel Program participation, and grant benefits to the relevant Cardholders. The Cardholder remains liable to pay off all obligations to Bank Danamon (if any).
The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to amend/change/complete 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 communication media available at Bank Danamon. In the event that there are changes to the benefits, risks, fees, terms and conditions based on these General Terms and Conditions of the Program, the Cardholder has the right to submit his/her objection in writing to Bank Danamon within 30 (thirty) working days from the notice of the changes made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that he/she is considered to have agreed to the changes if the the Cardholder does not submit an objection within that period. If the Cardholder does not agree to the changes, the Cardholder has the right to cancel the Program participation by first settling all obligations of the Cardholder to Bank Danamon (if any).
Cardholders can submit complaints regarding banking transactions/services 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.
Procedures regarding Cardholder complaint services can be accessed through the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and is a participant of the Deposit Insurance Corporation (LPS).
The General Terms and Conditions of this Program have conformed to the provisions of laws and regulations including the OJK regulations.

E. How to Redeem Travel E-Voucher

Welcome Offer Program 2024: e-Voucher

A. Program Description

The general terms and conditions of this e-Voucher Welcome Offer Program for Danamon JCB Precious Credit Card (Program General Terms and Conditions) apply to participating cardholders who avail of the e-Voucher Welcome Offer for Danamon JCB Precious Credit Card (Program) which is organized by PT Bank Danamon Indonesia Tbk (Bank Danamon).

The Cardholder hereby agrees and binds himself/herself to all the following provisions contained in the Program General Terms and Conditions.

B. Program Period

This Program is valid from 1 January 2024 until 31 December 2024 (Program Period).

C. Program General Terms and Conditions

The Cardholder is required to read and understand the Program General Terms and Conditions.
Bank Danamon has the authority to disallow or cancel the Cardholder's participation in this Program if he/she fails to meet its General Terms and Conditions.
The Cardholder bears sole and full responsibility for any risk of loss, demand, suit, and/or claim in connection with his/her participation and/or cancellation of participation in this Program.
This Program is valid for cards approved and issued by Bank Danamon during the Program Period.
The Cardholder is required to accumulate retail transactions, whether local and/or international, within 90 (ninety) calendar days starting from the time the Card is approved and issued (Transaction Period) during the Program Period. The criteria or conditions are as follows:
1. for the period of the Card’s approval and issuance during the Period Program, it shall be valid for accumulated transactions with a minimum worth of Rp25,000,000 (Twenty Five Million Rupiah); and
2. transactions exclude bill payments (recurring bill transactions), insurance payment, cash advance, money transfer (fund transfer), and installments.
Cardholders who meet and fulfill the Program General Terms and Conditions can avail of rewards in the form of Traveloka e-Voucher/s (Reward/s) worth Rp2,000,000 (Two Million Rupiah).

Rewards will have a maximum of 60 (sixty) calendar days starting from the end of the Transaction Period. The table below illustrates the timeline for the Card’s approval and issuance, plus the corresponding Transaction Period.

Date of Card’s Approval and Issuance	Transaction Period (Initial 90 Calendar Days)	Reward Delivery Period (Maximum 60calendar days)
10 January 2024	10 January 2024 – 9 April 2024	Maximum 8 June 2024
5 February 2024	5 February 2024 – 5 May 2024	Maximum 4 July 2024
4 March 2024	4 March 2024 – 2 June 2024	Maximum31 July 2024

Berikut ilustrasi Program ini:

Simulation

Period of Card’s Approval and Issuance

Accumulation Transactions

Reward Value

Scenario 1:

meets requirement

10 January2024

Rp25 million covering the period 10 January 2024 - 9 April 2024

Rp2million

Scenario 2:

Fails to meet requirement

1 February 2024

Rp15 million covering the period 1 February 2024 - 1 May 2024

Not applicable

Upon the Card’s approval and issuance to the Cardholder during the Program Period, as well as the conduct of transactions during the Transaction Period in accordance with the Program General Terms and Conditions, then the Cardholder is deemed to have read, understood and agreed to participate in the Program and comply with its General Terms and Conditions. The Card’s approval and issuance to Cardholders and his/her transactions during the Program Period serve as valid evidence of his/her participation in Program and acknowledgment to comply with its General Terms and Conditions.

D. Other Terms and Conditions

Other terms and conditions related to banking products and/or services, as long as those are not regulated differently in this Program General Terms and Conditions are declared to remain valid and binding on the part of the Cardholder and shall become an inseparable part of the Program General Terms and Conditions.
The Program General Terms and Conditions form an inseparable part of the "Bank Danamon General Terms and Conditions for Card Membership". These provisions shall remain in effect to unless provided otherwise in the Program General Terms and Conditions.
The Cardholder declares that current and future transactions have no indications of money laundering and/or transactions that are prohibited under laws and regulations enforced in Indonesia.
If there are indications of fraud, deceit, irregularities, money laundering and/or other inappropriate transaction based on prevailing laws and regulations, then Bank Danamon has the authority to cancel transactions, Program participation, or issuance of rewards to the corresponding Cardholder. The Cardholder, however, remains responsible to settle all his/her obligations to Bank Danamon (if applicable).
The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to occasionally amend/update/complete the Program General Terms and Conditions. Any change/revision/update to the Program General Terms and Conditions will be notified through Bank Danamon’s available communication media. In case of changes in benefits, risks, costs, terms and conditions based on the Program General Terms and Conditions, the Cardholder has the right to submit his/her written objection to Bank Danamon within 30 (thirty) working days upon Bank Danamon’s notification of changes through its communication media. The Cardholder agrees that he/she is deemed to have agreed or approved to the changes if he/she fails submit any written objection within the time period. If the Cardholder disapproves of the changes, then he/she has the right to cancel his/her participation in the Program by first completing all his/her obligations to Bank Danamon (if any).
Cardholders may file verbal or written complaints regarding banking transactions/services by visiting the nearest Bank Danamon branch office, calling Hello Danamon (1-500-090) or sending an e-mail via hellodanamon@danamon.co.id.
Procedures regarding the cardholder complaint services can be accessed through the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
PT Bank Danamon Indonesia Tbk, which is licensed and supervised by the Financial Services Authority, is a participant in the Indonesia Deposit Insurance Corporation.
The Program General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority

E. Cara Redeem Travel E-Voucher

Fly Jakarta – Singapore Roundtrip by Simply Exchanging D-Points

A. Description of the Feature

With the Danamon JCB Precious Credit Card Bonus D-Points Feature (Feature), offered by PT Bank Danamon Indonesia Tbk (Bank Danamon), all holders of Danamon JCB Precious Credit Cards (Cardholder) can avail of the corresponding bonus D-Points under the Feature’s general terms and conditions (Feature General Terms and Conditions).

B. Terms and Conditions of the Feature

The Feature is illustrated by the table below:

Condition	Card Limit	Accumulated Transactions	Calculation of D-Points			Bonus Limit 3x D-Points (based on limit)	D-Points Credited
			Regular D-Point (1 time)	Bonus 16,000 D-Points	Bonus (3 times) D-Points		Regular D-Point (1 time)	Bonus 16,000 D-Points	Bonus (3 times) D-Points	TOTAL
		(IDR)
Bonus D-Points gained do not exceed the bonus D-Points limit that can be received based on the 1x card transaction limit	50,000,000	25,000,000	10,000	16,000	30,000	60,000	10,000	16,000	30,000	56,000
Bonus D-Points accumulated exceed the bonus D-Points limit that can be received based on the1x card transaction limit	50,000,000	70,000,000	28,000	16,000	84,000	60,000	28,000	16,000	60,000	104,000

If the Cardholder cancels any of the transactions thereby resulting in his/her ineligibility and non-compliance with the General Terms and Conditions of this Feature, then he/she agrees that Bank Danamon shall exercise its right to not issue the bonus D-Points to him/her.
Upon performing transactions in accordance with this Feature, the Cardholder is deemed to have read, understood and agreed to the Feature and shall be subject to its General Terms and Conditions. Transactions performed by the Cardholder shall serve as valid evidence of his/her participation in the Feature and agreement or compliance with its General Terms and Conditions.

The following example illustrates the accumulated transactions within a period of 1 (one) year to avail of 1 (one) Economy Class Roundtrip Airticket enroute Jakarta – Singapore for Danamon JCB Precious Credit Card.

Spend a minimum of Rp10 million per month for 12 months and earn 384,000 D-Points

	Minimum Accumulated Transactions per Month	Rp 10,000,000
D-Point earnings	Regular D-Point	4.000
	Bonus 3x D-Points	12.000
	Bonus 16.000 D-Points	16.000
	Total D-Points earned per month	32.000
	Total D-Points earned for 12 months	384.000

Redeem the points according to the required miles per trip for each airline through Frequent Flyer Miles/Mileage from any of Danamon's partner airlines, including among others: Asia Miles, AirAsia BIG, Enrich, GarudaMiles, KrisFlyer and JAL Mileage.
For example, redeem KrisFlyer miles for 1 Economy Class Roundtrip Airticket enroute Jakarta - Singapore based on the required miles stated in the Singapore Airlines website or other airlines.

Convert D-Points into KrisFlyer
D-Points	384,000
D-Points conversion	20
KrisFlyer earned	19,200

by performing transactions worth as much as Rp10 million per month, you can get a total of 32,000 D-Points (as per table above) which can be redeemed into (32,000/20) = 1,600 Miles. Therefore, for 1 mile, simply do the following calculation: Rp 10,000,000 / 1,600 Miles = Rp6,250.

Cardholders can convert D-Points into flight tickets, hotel vouchers, e-vouchers or other merchandise through https://dpoint.id.
Other terms and conditions apply.

Lounge Access at Airports in Indonesia and Abroad

Present your Danamon JCB Precious Credit Card to take advantage of exclusive lounge facilities at various airports located in major cities across Indonesia and abroad. Through the privilege Lounge Key of Danamon JCB Precious Credit Cards, avail of special facilities exclusive from Bank Danamon.

Airport Lounge Access at Indonesia
Present your Danamon JCB Precious Credit Card to avail of exclusive lounge facilities located in major airports at key cities in Indonesia.

Enjoy the lounge facilities in the following airports:

City	Airport Name	AirportLounge
Bali	I Gusti Ngurah Rai International Airport	Concordia Lounge
Balikpapan	Sultan Aji Muhammad Sulaiman Sepinggan International Airport	Blue Sky Premiere Lounge
Jakarta	Soekarno-Hatta International Airport	Terminal 3 Saphire Blue Sky Lounge
Lombok	Lombok International Airport	Concordia Lounge
Makassar	Sultan Hasanuddin International Airport	Concordia Lounge
Medan	Kualanamu International Airport	Saphire Blue Sky Lounge
Semarang	Ahmad Yani International Airport	Concordia Lounge
Surabaya	Juanda International Airport	Terminal 1 Concordia Lounge
Yogyakarta	Yogyakarta International Airport	Concordia Lounge

For more information, click here..

Lounge Access at Airports Overseas through LoungeKey

Program General Description

These LoungeKey service general terms and conditions (Program General Terms and Conditions) apply to participating Cardholders who avail of the Lounge Key service of Danamon JCB Precious Credit Card (Program), which is organized by PT JCB International Indonesia (JCB).
The Cardholder hereby agrees and binds himself/herself to all the following provisions of the Program General Terms and Conditions.
Program Period

This Program is valid from 1 January 2024 until 31 December 2024 (Program Period).

Program Terms and Conditions

The Cardholder is required to read, understand and agree to the Program General Terms and Conditions.
PT Bank Danamon Indonesia Tbk (Bank Danamon) has the authority to decline or cancel the Cardholder’s participation in this Program if he/she fails to meet or comply with its General Terms and Conditions.
The Cardholder bears full responsibility for all possible risks of losses, demands, lawsuits and/or claims in connection with his/her participation and/or cancellation of participation in this Program.
The Program is valid only for holders of Danamon JCB Precious Credit Cards (Card).

The Program offers free of charge LoungeKey access to airport lounges, based on the following conditions:

Valid only for the eligible Cardholder whose name is indicated on the Card.
The Cardholder must inform the assigned staff in the Lounge Key prior to using the Lounge Key service.
The Cardholder must register via the Lounge Key staff at his/her intended airport.
The Cardholder is required to present his/her Card together with boarding pass which the Lounge Key staff will check and verify during registration.
The name on both registration and boarding pass must be similar to the name indicated on the Card. If there is any difference or conflict between the name on the boarding pass and the Card, then the Lounge Key access cannot be granted or allowed.
The assigned Lounge Key staff will input the Card number and other pertinent information on the system and charge USD 1 (One United States Dollar) to verify the Card’s active status. The cost of USD 1 (One United States Dollar) is only for authorization purposes. As such, the Card will not incur any deduction nor actual charge.
The Cardholder is entitled to access the Lounge Key free-of-charge up to 8 (eight) times within one year period, specifically from 1 January 2024 until 31 December 2024 (not applicable for Lounge Key in Japan and Hawaii). Once the Lounge Key has been used and availed for a total of 8 times within a year, then the next Lounge Key access by the Cardholder will incur a charge amounting to USD 35 (Thirty Five US Dollars) per person per Lounge Key access.

For Lounge Key access in Japan and Hawaii, the applicable conditions are as follows:

From 1 January 2024 to 31 March 2024, the Cardholder can only access the Lounge Key free-of-charge for up to a total of 6 (six) times within a year.

The Cardholder can access the Lounge Key at the following airports:

Country	Airport Name and Airport Lounge*
United Kingdom	London Heathrow International Airport Blush Lounge by Plaza Premium Group (Terminal 4)
Hawaii	Daniel K. Inouye International Airport IASS Hawaii Lounge Garden Court Area (Terminal 2, 1F)
Japan	Hokkaido Tohoku Asahikawa Airport Lounge Taisetsu (Terminal Domestic, 2F) Chitose New Airport Super Lounge (Terminal Domestic, 3F) North Lounge (International Terminal, 4F) Hakodate Airport Business Lounge A Spring (Domestic Terminal, 2F) Aomori Airport Airport Lounge (Passenger Terminal, 2F) Extravagant Sky Lounge (Domestic Terminal, 2F) Business Lounge East Side (Passenger Terminal, 3F) Sendai Airport Business Lounge East Side (Passenger Terminal, 3F) Kanto Haneda International Airport Power Lounge Central (Terminal 1 Level 1) Power Lounge North (Terminal 1 Level 2) Power Lounge South (Terminal 1 Level 2) Airport Lounge South (Terminal 2 Level 2) Power Lounge Central (Terminal 2 Level 3) Power Lounge North (Terminal 2 Level 3) Sky Lounge (Terminal 3, 4F) Sky Lounge South (Terminal 3 Level 3) Narita International Airport IASS Executive Lounge 1 (Terminal 1, 5F) IASS Executive Lounge 2 (Terminal 2, 4F) Chubu, Hokuriku Shizuoka Airport Your Lounge (Passenger Terminal, 2F) Chubu Centrair International Airport Premium Centrair Lounge (Passenger Terminal, 3F) Niigata Airport Airium Lounge (Passenger Terminal, 3F) Toyama Airport Lounge Raicho (Passenger Terminal, 2F) Komatsu Airport Sky Lounge Hakusan (Passenger Terminal, 2F) Kinki Kansai International Airport Cardmember Rokko Lounge (Terminal 1, 2F) Cardmember Lounge Annex Rokko (Terminal 1, 2F) Cardmember Congo Lounge (Terminal 1, 2F) Cardmember Hiei Lounge (Passenger Terminal, 3F) Osaka International Airport Lounge Osaka (Central Terminal, 3F) Kobe Airport Lounge Kobe (Passenger Terminal, 2F) Chugoku, Shikoku Okayama Airport Lounge Muscat (Passenger Terminal, 3F) Hiroshima Airport Business Momiji Lounge (Passenger Terminal, 2F) Yonago Airport Lounge Daisen (Passenger Terminal, 2F) Izumo Airport Izumo Enmusubi Airport Lounge, 2F Airport Building) Yamaguchi Ube Airport Kirara Lounge (Domestic Terminal, 3F) Takamatsu Airport Sanuki Lounge (Passenger Terminal, 2F) Tokushima Airport Airport Vortis Lounge (Passenger Terminal, 3F) Matsuyama Airport Business Lounge (Passenger Terminal, 2F) Sky Lounge (Passenger Terminal, 3F) Kochi Airport Lounge Blue Sky (Domestic Terminal, 2F) Kyusyu, Okinawa Fukuoka Airport Kutsurogi-No Lounge Time (Domestic Terminal, 1F) International Lounge Time (International Terminal, 3F) Kitakyushu Airport Himawari Lounge (Passenger Terminal, 2F) Saga Airport Saganogara Premium Lounge (Passenger Terminal, 2F) Oita Airport Kunisaki Lounge (Domestic Terminal, 2F) Nagasaki Airport Azalea Business Lounge (Passenger Terminal, 2F) Kumamoto Airport ASO Lounge (Domestic Terminal, 1F) Miyazaki Bougainvillea Airport Hinata Bougain Lounge (Domestic Terminal, 1F) Kagoshima Airport Nanohana Sky Lounge (Domestic Terminal, 1F) Naha Airport Hana Lounge (Terminal Domestic, 1F)
Germany	Frankfurt International Airport LUUX Lounge (Terminal 1) Priority Lounge (Terminal 2)
South Korea	Incheon International Airport SKY HUB Lounge (Terminal 1, Airside - East Wing, 4F) SKY HUB Lounge (Terminal 1, Airside - West Wing, 4F) Matina Lounge (Terminal 1, Airside - East Wing, 4F) Matina Lounge (Terminal 1, Airside - West Wing, 4F)
Malaysia	Kuala Lumpur International Airport Sphere Lounge (Terminal 1)
Singapore	Singapore Changi International Airport SATS Premier Lounge (Terminal 1) SATS Premier Lounge (Terminal 3) Blossom Lounge (Terminal 4)
Taiwan	Taoyuan International Airport Oriental Club Lounge (Terminal 2)
Thailand	Suvarnabhumi International Airport Miracle First Class Lounge (International Concourse A) Miracle First Class Lounge (International Concourse C) Miracle First Class Lounge (International Concourse F) Miracle First Class Lounge (International Concourse G, West Side Floor 3)
China	Pudong Shanghai International Airport VIP Lounge 170 (Terminal S2) Capital City of Beijing International Airport BGS Premier Lounge (Terminal 3E) BGS Premier Lounge (Terminal 2)
Vietnam	Ho Chi Minh TSN International Airport Orchid Lounge (International Terminal) Noi Bai Hanoi International Airport Song Hong Business Lounge (Terminal 2)

*The list of participating Lounge Key is subject to change. For updates, please refer to the website link www.loungekey.com . Bank Danamon will inform the Cardholder if there are any changes to the list of participating Lounge Key.

Access to Lounge Key is valid only for Cards that are active, unblocked and without any arrears in payment.
For complete information concerning Lounge Key access, please visit the website link www.loungekey.com .
Upon accessing the Lounge Key during the Period Program, the Cardholder is deemed to have read, understood and agreed to participate in the Program and be subject to its General Terms and Conditions. Transactions performed by the Cardholder shall serve as valid evidence of participation in the Program and approval to comply with its General Terms and Conditions.

Other General Terms and Conditions
1. PT Bank Danamon Indonesia Tbk is not responsible for any or all products and services from Lounge Key. As such, the Lounge Key services are entirely the responsibility of JCB. If there are problems and/or complaints in relation to such products and/or services, please contact JCB directly.
2. Other terms and conditions related to Bank Danamon products and/or services, as long as those are not regulated differently in the Program General Terms and Conditions, are declared to remain valid and binding on the part of the Cardholder. These shall form an inseparable part of the Program General Terms and Conditions.
3. The Program General Terms and Conditions form an inseparable part of "General Terms and Conditions for Bank Danamon Credit Card Membership".
4. The Cardholder declares that current and future transactions have no indications of criminal acts, such as money laundering and/or other transactions that are prohibited under Indonesia’s prevailing laws and regulations.
5. If there are any proven indications of fraud, deceit and/or irregularities in transactions, Bank Danamon reserves the right to cancel the transaction and Program participation, or disallow access to Lounge Key for the concerned Cardholder.
6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the authority to occasionally amend/revise/update the Program General Terms and Conditions. Any amendments/revisions/updates to the Program General Terms and Conditions will be notified through Bank Danamon’s available communication media. In case of changes in benefits, risks, costs, terms and conditions, and other provisions based on the Program General Terms and Conditions, the Cardholder is entitled to submit his/her written objection to Bank Danamon within 30 (thirty) working days upon notification of the changes through the Bank’s communication media. The Cardholder agrees that he/she is deemed to have approved and agreed to such amendments/revisions/updates in case he/she fails to submit any objection within the given period. If the Cardholder disagrees with such changes, then he/she has the right to cancel the Program membership or participation provided that all his/her obligations to Bank Danamon (if any) are fully settled.
7. The Cardholder and/or cardholder representative can file a verbal or written complaint concerning banking transactions by visiting the nearest Bank Danamon branch office, calling Hello Danamon (1-500-090) or sending an e-mail to hellodanamon@danamon.co.id.
8. Procedures regarding complaint services at Bank Danamon can be accessed through the website link https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah .
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority.
10. The Program General Terms and Conditions follow the provisions of laws and regulations including those of the Financial Services Authority regulations..

Convert D-Points into JAL Miles

D-Point

As a points-based loyalty program, a Customer obtains D-Points as a reward when performing various banking activities identified by Bank Danamon. The Customer can redeem the accumulated D-Points for attractive rewards or merchandise by visiting the D-Point redemption website link: https://dpoint.id.

For more information about D-Point, please click

https://www.danamon.co.id/id/Personal/Lainnya/New-Feature/D-Point

For the general terms and conditions of D-Point redemption

https:// www.danamon.co.id/id/Personal/Lainnya/New-Feature/D-Point/syartum

Additional Special Terms and Conditions for JAL Miles Redemption

The Cardholder is required to read and understand the following additional terms and conditions regarding redemption of D-Points into JAL Miles.

Valid only for Bank Danamon Credit or Debit Cards which have the D-Point feature.
The minimum number of D-Points that can be redeemed for JAL Miles is 1,000 (one thousand) miles, which is equivalent to 32,000 D-Points.
After the Cardholder performs the redemption through the D-Point website, the corresponding JAL Miles will be credited to the Cardholder’s JAL Miles account within a maximum of 45 (forty five) working days starting from the day when the redemption was requested.
The general provisions of Bank Danamon D-Points Rewards apply.
Other terms and conditions apply.

Up to Rp100,000 Cashback from Monthly Bill Payments

Enjoy 5% (five percent) cashback from bill payments registered on your Danamon Credit Card.

Type of Danamon Credit Card	Cashback Bill Payment	Maximum Cashback Limit per Month
JCB Precious	5%	Rp 100,000

The 5% (five percent) cashback from bill payment transactions (routine bills) applies to all registered bill payments, excluding PLN bills.
The maximum monthly cashback that can be earned is worth Rp100,000 (One Hundred Thousand Rupiah) for Danamon JCB Precious Credit Card.
To avail of the cashback, perform as many as 5 (five) retail transactions wherein each transaction holds a value of Rp100,000 (One Hundred Thousand Rupiah) within 1 (one) calendar month (from the first until the end of the month).
Crediting of cashback is done every month, as indicated on the succeeding billing statement. For example: for bill payment transactions performed in January 2023, you will be credited no later than 28 February 2023, as stated in the March 2023 billing statement.
Retail transactions refer to transactions that use the Danamon JCB Precious Credit Card but exclude bill payment transactions (routine bills), money transfers (funds transfer), cash advances, insurance and online subscriptions.
The cashback will not be credited if the Card is in a blocked status or if there are delays in bill payments.
Other terms and conditions apply.

Up to 36 Months Installment

General Terms and Conditions

The installment conversion applies only for the holder of the Danamon Credit or Charge Card, excluding Corporate Card.
The minimum transaction starts from as low as Rp300,000 (Three Hundred Thousand) while the maximum amount that can be converted into installments differ based on the offer or in accordance with Bank Danamon's policy.
The installment conversion applies only for retail transactions.
The conversion is not valid for Credit Card transactions in the form of Installments, monthly bills and cash withdrawals.
A penalty of 5% from the remaining principal loan and running interest will be charged in case of:
• early or advance repayment; and
• failure to pay the minimum credit card bill for 2 consecutive months.
The Bank can cancel the application for installment conversion if the Cardholder fails to meet the program terms and conditions.
The corresponding interest and applicable fees to be charged during the time of program application will be based on prevailing Bank policies.

For complete details on the Program General Terms and Conditions, please click this PDF link .

Other Terms and Conditions

REMINDER

Beware of fraud. Always exercise caution and remain vigilant against fraud committed by unauthorized individuals acting on behalf of Bank Danamon who promise rewards. All forms of fraud, deceit and other criminal acts committed by other parties / third parties associated with or on behalf of this Program are beyond the authority of Bank Danamon.

Contact Us

Contact Us

Menara Bank Danamon
Menara Bank Danamon Jl. HR Rasuna Said Blok C No. 10 Kelurahan Karet, Kecamatan Setiabudi Jakarta Selatan 12920, Indonesia

Hello Danamon Indonesia
67777 (Indonesia)
+62-21-23546100 (Overseas)

Kirim Email Anda ke:
mailto:hellodanamon@danamon.co.id

Currency

Today Currency

The following exchange rates are subject to change without notice. For the latest Currency Info Contact the nearest Danamon branch.
Kurs per 16 May 2025 16:05:01 WIB

Currency	Buy	Sell
USDIDR	16,295	16,595
SGDIDR	12,547	12,806
AUDIDR	10,452	10,686
EURIDR	18,232	18,603

Other Currency

D-Point

D-Point

D-Point is a point reward program for all banking activities conducted by the customer. It is a loyalty program launched by Danamon to reward the customer’s loyalty.

Read More Redeem D-Point
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E-Banking

E-Banking

D-Bank PRO

D-Bank PRO A one-control application that provides convenience and variety of transactions, both financial and non-financial as well as practical in transactions

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Cash Connect

Our advance product designed for you is Danamon Cash Connect, our new version of internet banking facility to support your business.

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Trade Connect

Danamon Trade Connect is developed to enhance your Trade Finance and Service experience by allowing you to conduct trade transaction through internet from the comfort of your office.

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Other E-Channel

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