0% Installment Program at Dwidayatour

This is a promotional program from PT Bank Danamon Indonesia Tbk ("Bank Danamon") in collaboration with merchant partner Dwidayatour for a 0% installment program that applies to all Danamon Credit Card holders with JCB, Visa, Mastercard and American Express logos and American Express Charge Cards ("Cardholders") to get installments in accordance with the General Terms and Conditions of the Program ("Program").

The Program runs from 18 November 2022 until 31 October 2024 (Program Period)

  1. This Program is valid for all Cardholders excluding Danamon Corporate cards.
  2. The 0% installment program is valid exclusively for Dwidayatour with the following minimum transaction:


    Min Transaction






    3 Months




    6 Months

  3. Transactions that can be converted into installments are retail transactions across all categories for purchases made at all Dwidayatour outlets. For outlet list,Please click here.
  4. The program is valid for both principal and supplementary Cardholders but the application for installment conversion can only be made by the principal Cardholder (basic).
  5. The conversion application process is maximum 7 calendar days after the transaction date.
  6. Make sure you have not applied for installment conversion through other channels (e.g. SMS, Email).
  7. Every transaction that is converted into installments will be charged an admin fee of Rp15,000 (fifteen thousand Rupiah).
  8. Every transaction that is converted into installment will not get D-points. 
  9. Installments will be billed together with other shopping transactions monthly on the billing statement. Spending Interest will be charged on the installment principal if the Cardholder pays less than the new Total Bill, or pays after the Due Date. The interest will be part of the Minimum Payment.
  10. Bank Danamon reserves the right to cancel or postpone the application in the event that the Credit Cardholder does not meet the terms & conditions of the Program or is deemed ineligible. The cancellation or postponement of the application will be informed to the cardholder.
  11. The program also applies to selected Standard Chartered Bank Indonesia Credit Cards. More information: bdi.co.id/promoscb
  1. Products, services and/or 0% installment programs at merchant partners are not the product and responsibility of Bank Danamon and therefore are the sole responsibility of the merchant partner. If there are problems and/or complaints related to these products, services, and/or savings, please contact the merchant partner.
  2. All transactions do not indicate money laundering and/or other transactions that are prohibited under the prevailing laws and regulations in Indonesia.
  3. If there is a report indicating fraud, deception and/or transaction irregularities, Bank Danamon has the right to cancel the transaction or provide savings to the Cardholder.
  4. The Cardholder agrees that Bank Danamon has the right to cancel the Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of the Program.
  5. Other terms and conditions related to products and/or services, as long as they are not regulated differently in the General Terms and Conditions of this Program, are declared to remain in effect and bind the Cardholder as an integral unit.
  6. These General Terms and Conditions of the Program are an integral part of the "General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk" and "General Terms and Conditions of Danamon Card Membership".
  7. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/complete these General Terms and Conditions. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through communication media available at Bank Danamon.
  8. In the event that there are changes to the benefits, risks, fees, terms and conditions of this general program, the Cardholder has the right to submit an objection in writing to Bank Danamon within 30 (thirty) working days from the notification of such changes by Bank Danamon through Bank Danamon's communication media. The Cardholder accepts that Bank Danamon will assume that the Cardholder agrees to the changes in the event that the Cardholder does not submit the aforementioned objection. If the Cardholder does not agree to the changes, the Cardholder has the right to close the product and/or service by first settling all obligations of the Cardholder that are still owed to Bank Danamon. 
  9. The Cardholder and/or the Cardholder's representative 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. 
  10. Procedures regarding Complaint services can be accessed through the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
  11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority.
  12. These General Terms and Conditions have been adjusted to the provisions of laws and regulations including the provisions of the Financial Services Authority regulations.



Cardholders must be cautious of fraud committed by individuals claiming to represent Bank Danamon by promising rewards in any form. Any fraud or other criminal acts committed by other/third parties associated with or on behalf of the Program are beyond the authority of Bank Danamon.