0% Installment up to 12 Months at Atria Furnishings & Mattress

The General Terms and Conditions of the program of 0% (zero percent) Installment up to 12 (twelve) months at Atria Furnishings & Mattress ("General Terms and Conditions of the Program") apply to customers of PT Bank Danamon Indonesia Tbk ("Bank Danamon") who own and transact using a Card ("Cardholder") and participate in the 0% (zero percent) Installment up to 12 (twelve) months at Atria Furnishings & Mattress ("Program"), which is organized by Bank Danamon in collaboration with Atria Furnishings & Mattress merchant partners.

By participating in this Program, the Cardholder agrees to be bound by the following terms and conditions:

The program runs from June 5, 2025 until April 30, 2027 ("Program Period").

  1. www.atria.co.id;
  2. Atria Furnishings & Mattress outlets, the list of outlets can be viewed by accessing the following link: click here;
  1. The program is valid for Cardholders of Bank Danamon Credit and Charge Cards bearing Visa, Mastercard, American Express, and JCB logos, excluding corporate Credit Cards ("Cards").
  2. Cardholders are required to read and understand the General Terms and Conditions of the Program.
  3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in the Program if the Cardholder does not meet the General Terms and Conditions.
  4. The Cardholder is fully responsible for all risks, losses, demands, lawsuits, and/or claims arising from their participation and/or cancellation of participation in this Program.
  5. The Program is valid under the following conditions:
    1. 0% (zero percent) installment applies with the following minimum transaction:
      Tenor Minimum transaction (IDR)
      3 Months 1,000,000
      6 Months 3,000,000
      12 Months 6,000,000
    2. Valid every day during the Program Period.
    3. Applies to both primary and supplementary cards
    4. Bank Danamon will charge an administration fee of IDR 25,000 (twenty-five thousand rupiah) for each transaction converted into installments by the Cardholder. Merchant partners are not involved in any additional charges.
    5. For canceled installments, the installment conversion fee will not be refunded to the Cardholder.
    6. Any transaction converted into installments will not earn D-Points or Membership Rewards Points;
    7. The process of applying for conversion into installments is carried out directly when transacting at an outlet or online and has never been submitted through other channels (for example: SMS, Email, and so on).
  6. By making a transaction in accordance with the General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood, and agreed to participate in the Program and be bound by its General Terms and Conditions. The transaction made by the Cardholder serves as valid evidence of their participation in the Program and their agreement to these Terms and Conditions.
  1. Products and/or services from merchant partners are solely the responsibility of the merchant partner and not of Bank Danamon. For any issues or complaints regarding products, services, or the Program, Cardholders are advised to contact the relevant merchant partner directly.
  2. Cardholders affirm that their transactions comply with applicable Indonesian laws and regulations and are not indicative of money laundering or other prohibited activities.
  3. Bank Danamon reserves the right to:
    • Cancel transactions, terminate Card usage, or revoke participation in the Program if there are indications of fraud, unusual transactions, money laundering, or any other actions violating applicable laws.
    • Require Cardholders to fulfill any outstanding obligations to Bank Danamon.
  4. Terms and conditions related to other banking products or services remain valid and binding unless explicitly stated otherwise in this Program’s terms.
  5. These Program Terms and Conditions are an integral part of the: General Terms and Conditions of PT Bank Danamon Indonesia Tbk Banking Accounts and Services, General Terms and Conditions of Debit Cards/ATM Danamon, General Terms and Conditions of Danamon Credit Card Membership, and General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership.”
  6. Bank Danamon reserves the right to revise, amend, or supplement the Program’s terms. Any updates will be communicated through official Bank Danamon channels. Cardholders may object in writing within 30 (thirty) working days of receiving such updates. If no objection is received within this period, the changes will be deemed accepted.
  7. Cardholders may submit complaints regarding banking services or transactions through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
  8. Details of Bank Danamon’s complaint-handling procedures are available at: 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 (OJK) and Bank Indonesia and is a participant in the Deposit Insurance Agency guarantee.
  10. These terms comply with all relevant laws and regulations, including those stipulated by the Financial Services Authority.

NOTICE
Cardholders should be cautious of fraudulent activities by individuals claiming to represent Bank Danamon and offering rewards in connection with the Program. Any fraudulent or criminal acts by third parties are beyond the control of Bank Danamon.

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