0% up to 12 Months Installment at Antavaya

The Program runs from 01 September 2023 to 30 June 2024 ("Program Period").

1. Cardholders must read and understand the General Terms and Conditions of the Program. 
2. 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. 
3. 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.
4. The Program applies to Bank Danamon Credit Cards and Charge Cards with Visa, Mastercard, JCB, American Express logos, but excludes corporate type Credit Cards and Charge Cards ("Cards").
5. The installment program applies as follows:
   • 0% (zero percent) installment program is applicable for 3 (three), 6 (six) and 12 (twelve) months tenor with minimum transaction as follows:

     Min Transaction	Tenor
     Rp5.000.000	3 Months
     Rp10.000.000	6 Months
     Rp15.000.000	12 Months

   • The program is valid for purchases of all Travel products at all AntaVaya outlets. The list of outlets can be seen here;
   • Program is valid for principal and supplementary cards;
   • Every transaction that is converted into installments will be charged an administration fee of Rp15,000 (fifteen thousand rupiah);
   • Every transaction converted into installments will not get D-Points or Membership Rewards Points;
   • The process of applying for conversion to installments is done directly during transactions at the outlet and has not been submitted through other channels (eg SMS, Email);
6. This program cannot be combined with other programs and/or promos.
7. 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 comply with the General Terms and Conditions of the Program. The transaction made by the Cardholder is valid proof of the Cardholder's participation in the Program and the Cardholder's agreement to comply with the General Terms and Conditions of the Program.

1. Products and / or services from merchant partners are not the products and responsibilities of Bank Danamon and are therefore the sole responsibility of the merchant partner. If there are problems and/or complaints related to the products and/or services, please contact the relevant merchant partner.
2. The Cardholder certifies that there are no transactions that indicate money laundering and/or other transactions that are not permitted under the prevailing laws and regulations in Indonesia.
3. If there are indications of fraud, deception, transaction irregularities, improper transactions, money laundering and/or actions that are not in accordance with the laws and regulations, Bank Danamon has the right to cancel transactions, cancel Program participation, and provide Program benefits to the relevant Program Holder. The Cardholder is still obliged to pay off all obligations to Bank Danamon (if any). 
4. Other terms and conditions related to banking products and/or services, as long as they are not regulated differently in these General Terms and Conditions of the Program, are declared to remain in effect and bind the Cardholders and become an integral part of the General Terms and Conditions of the Program.
5. These General Terms and Conditions of the Program are an integral part of the "General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership" and "General Terms and Conditions of Danamon Credit Card Membership". These terms and conditions remain in effect to the extent not otherwise regulated in the General Terms and Conditions of this Program.
6. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to amend/change/complete the General Terms and Conditions of this Program. 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 an objection in writing to Bank Danamon within 30 (thirty) working days from the notification of the changes made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that Bank Danamon will assume that the Cardholder agrees to the changes in the event that the Cardholder does not submit an objection within the said 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).
7. 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.
8. Procedures regarding complaint services can be accessed through the website 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 and is a participant of the Deposit Insurance Corporation.
10. 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 regulations.