0% Installment up to 24 Months at Kitchenart & Pengenkopi

The General Terms and Conditions of the program of 0% Installment up to 24 Months at Kitchenart & Pengenkopi ("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% Installment up to 24 Months at Kitchenart & Pengenkopi ("Program"), which is organized by Bank Danamon in collaboration with PT Mulia Sukses Jaya “Kitchenart & Pengenkopi” merchant partners.

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

The program runs from June 1, 2025 until June 30, 2026 ("Program Period").

Purchases can be made through the websites www.kitchenart.id and www.pengenkopi.com.

  1. The Program is valid for Bank Danamon customers who own and transact using the following card types ("Cardholders"):
    (i) Bank Danamon Credit Cards and Charge Cards bearing the Visa, Mastercard, JCB, or American Express logos, excluding Corporate Credit Cards and Charge Cards (“Card”).
  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 this Program if the Cardholder does not meet the General Terms and Conditions of the Program.
  4. The Cardholder is solely responsible for any risk of loss, demand, lawsuit, and/or claim arising from their participation in, or cancellation of participation in, this Program.
  5. The Installment Program applies as follows:
    1. The 0% (zero percent) installment program is available for tenors of up to 24 (twenty-four) months with the following minimum transaction amounts:

Min Transaction (IDR)

Tenor (Month)

500.000

3

500.000

6

500.000

12

500.000

24

    1. The program is valid for purchase transactions of all products on the www.kitchenart.id dan www.pengenkopi.com;
    2. The program is valid for the main and additional Card;
    3. Each transaction converted into installments will be subject to an administration fee of IDR 25,000 (twenty-five thousand rupiah);
    4. Any transaction converted into installments will not earn D-Points or Membership Rewards Points;
    5. The process of submitting conversion into installments is done directly when transacting at the outlet and has never been submitted through other channels (e.g. SMS, Email).
  1. This program cannot be combined with other programs and/or promos.
  2. By the Cardholder 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 is subject to the General Terms and Conditions of the Program. Transactions made by such Cardholders are valid evidence of the Cardholder's participation in the Program and the Cardholder's consent to be subject to the General Terms and Conditions of the Program.
  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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