Promo Spesial JCB Dining

Simulation Results
Investment Goals	Future Investment
Komparasi Jenis Aset Konvensional :	Time Deposit
Komparasi Jenis Aset Investasi :	Small Mid Cap Equity Funds
Nominal Investasi Awal	0,00
Nominal Investasi Bulanan	0,00

Time Deposit	Small Mid Cap Equity Funds
Total Savings + Return 71.228.531,00	Total Savings + Return 78.729.940,72
Total Savings 70.000.000,00	Total Savings 70.000.000,00
Total Return 1.228.531,00	Total Return 8.729.940,72
Nilai Pertumbuhan % 1,76%	Nilai Pertumbuhan % 12,47%
Jangka Waktu Investasi 20 Tahunan	Jangka Waktu Investasi 20 Tahunan

Simulation
Property Prices	0,00
Down Payment	0,00
Investment Period	1 Year
Annual Interest Rate (%)	0%
Loan Amount	0,00
Monthly Installment	0,00

Simulation Results:
Your Loan Amount	0,00
Loan Period	1 Month
Monthly Interest Rate (%)	0%
Total Monthly Installment	0,00

Simulation Table
Type of Loan	Simple Working Capital
Type of Business	Service
Monthly Sales	0
Total Loans from Other Banks	0
Kebutuhan Modal Kerja	0
Total limit yang dapat diberikan	0

Simulation Table
Type of Loan	Complete Working Capital
Average monthly sales	0
Cost of goods sold	0
Siklus Modal Kerja	0
Piutang	0
Inventori	0
Hutang Dagang	0
Kebutuhan Modal Kerja	0

Jakarta

Save 15% at Benihana

The General Terms and Conditions of the Program Discount 15% (Fifteen Percent) at Benihana (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 15% (Fifteen Percent) at Benihana (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 March 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Benihana located at Plaza Indonesia Mall, Lt. 3, Jl. M.H. Thamrin No.9, Jakarta 10350.
6. A minimum transaction of IDR2,000,000 (two million rupiah) applies.
7. 15% (fifteen percent) discount applies before tax and service charges.
8. A maximum discount of IDR800,000 (eight hundred thousand rupiah).
9. Program is not valid for alcohol menu items.
10. Program is valid for dine-in and takeaway.
11. Program is valid every day during the Program Period.
12. Program cannot be combined with other programs and/or promotions.
13. Program Participants must use Card for payment.
14. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
15. Click here to view the JCB Special Offers promo page and more information.
16. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 10% at Furusato Izakaya

The General Terms and Conditions of the Program Discount 10% (Ten Percent) at Furusato Izakaya (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 10% (Ten Percent) at Furusato Izakaya (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 28 February 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Furusato Izakaya located at The Orient Hotel Jakarta, Lantai Ground, Jl. Jend. Sudirman No.36, Tanah Abang, Jakarta Pusat, DKI Jakarta 10210.
6. A minimum transaction of IDR1,000,000 (one million rupiah) applies.
7. 10% (ten percent) discount applies before tax and service charges.
8. No maximum discount limit.
9. Program is valid for dine-in and takeaway.
10. Program is valid every day during the Program Period.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 15% at Gyu-kaku Prime

The General Terms and Conditions of the Program Discount 15% (Fifteen Percent) at Gyu-Kaku Prime (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 15% (Fifteen Percent) at Gyu-kaku Prime (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 March 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Gyu-Kaku Prime located at:
  - Plaza Indonesia Mall Lantai 3, Jl. M.H. Thamrin No. 28-30, Menteng, Jakarta Pusat, DKI Jakarta 10350
  - Pacific Place Mall Lantai G, Jl. Jend. Sudirman Kav. 52-53, Kebayoran Baru, Jakarta Selatan, DKI Jakarta 12190
6. A minimum transaction of IDR1,500,000 (one million five hundred thousand rupiah) applies.
7. 15% (fifteen percent) discount applies before tax and service charges.
8. A maximum discount of IDR600,000 (six hundred thousand rupiah) applies.
9. Program is valid for dine-in and takeaway.
10. Program is not valid for alcoholic menu.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 10% at Hotaru Deli

The General Terms and Conditions of 10% (Ten Percent) Discount Program at Hotaru Deli (“General Terms and Coniditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the 10% (Ten Percent) Discount Program at Hotaru Deli (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in these General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 May 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Hotaru Deli located at Ruko ITC Permata Hijau Blok Ruby No. 7, Grogol Utara, Kebayoran Lama, DKI Jakarta 12210.
6. 10% (ten percent) discount applies before tax and service charges.
7. A minimum transaction of IDR300,000 (three hundred thousand rupiah) applies.
8. The maximum discount is IDR1,000,000 (one million rupiah) applies.
9. Program is valid only for walk-ins.
10. Program is valid everyday during the Program Period.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 10% at Shabu Shabu House

The General Terms and Conditions of the Program Discount 10% (Ten Percent) at Shabu Shabu House (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 10% (Ten Percent) at Shabu Shabu House (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 May 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Shabu Shabu House located at Plaza Indonesia, Jl. M.H. Thamrin No. 99, DKI Jakarta 10310.
6. A minimum transaction of IDR300,000 (three hundred thousand rupiah) applies.
7. 10% (ten percent) discount applies before tax and service charges.
8. A maximum discount of IDR1,000,000 (one million rupiah) applies.
9. Program is valid for dine-in.
10. Program cannot be combined with other programs and/or promotions.
11. Program Participants must use Card for payment.
12. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
13. Click here to view the JCB Special Offers promo page and more information.
14. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Surabaya

Save 10% at Hanaichi Teppan House

The General Terms and Conditions of 10% (Ten Percent) Discount Program at Hanaichi Teppan House (“General Terms and Coniditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the 10% (Ten Percent) Discount Program at Hanaichi Teppan House (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in these General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 28 February 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Hanaichi Teppan House located at Tunjungan Plaza 4 Lantai 5, Surabaya, Jawa Timur 60261.
6. 10% (ten percent) discount applies before tax and service charges.
7. A minimum transaction of IDR500,000 (five hundred thousand rupiah) applies.
8. Program is valid for dine-ins and takeaway.
9. Program is valid from Monday until Friday.
10. Program does not apply on weekends and national holidays.
11. The program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save up to 10% at Tetsujin Gyukatsu & Wagyu Bowl

The General Terms and Conditions of up to 10% (Ten Percent) Discount Program at Tetsujin Gyukatsu & Wagyu Bowl (“General Terms and Coniditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the up to 10% (Ten Percent) Discount Program at Tetsujin Gyukatsu Wagyu Bowl (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in these General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 30 June 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria:
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Tetsujin Gyukatsu & Wagyu Bowl located at Jl. Pregolan No.17, Surabaya, Jawa Timur 60262.
6. A 10% (ten percent) discount applies on weekdays, and 5% (five percent) discount applies on weekends and national holidays before tax and service charges.
7. Program is valid for food menu only.
8. Program is valid for dine-in only.
9. Program is valid every day during the Program Period.
10. Program cannot be combined with other programs and/or promotions.
11. Program Participants must use Card for payment.
12. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
13. Click here to view the JCB Special Offers promo page and more information.
14. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Bali

Save 20% at Kuu Izakaya Dining

The General Terms and Conditions of 20% (Twenty Percent) Discount Program at Kuu Izakaya Dining (“General Terms and Coniditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the 20% (Twenty Percent) Discount Program at Kuu Izakaya Dining (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in these General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 March 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Kuu Izakaya Dining located at Jl. Danau Tamblingan No. 89M, Sanur, Bali 80228.
6. A 20% (ten percent) discount applies before tax and service charges.
7. A minimum transaction of IDR100,000 (one hundred thousand rupiah) applies before tax and service charges.
8. There is no maximum discount limit.
9. Program is valid for dine-in.
10. Program is valid every day during the Program Period.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 20% at Nagisa Izakaya

The General Terms and Conditions of the Program Discount 20% (Twenty Percent) at Nagisa Izakaya Restaurant (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 20% (Twenty Percent) at Nagisa Izakaya (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 31 January 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Nagisa Izakaya located at Hotel Nikko Bali Benoa Beach, Jalan Pratama No. 68X, Kuta, Badung, Bali 80363.
6. There is no minimum transaction.
7. 20% (twenty percent) discount applies before tax and service charges.
8. No maximum discount limit.
9. Program is valid for dine-in and takeaway.
10. Program is valid for food menu.
11. Program is valid every day during the Program Period.
12. Program cannot be combined with other programs and/or promotions.
13. Program Participants must use Card for payment.
14. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
15. Click here to view the JCB Special Offers promo page and more information.
16. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 10% at Ryoshi Japanese Restaurant

The General Terms and Conditions of the Program Discount 10% (Ten Percent) at Ryoshi Japanese Restaurant (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Discount 10% (Ten Percent) at Ryoshi Japanese Restaurant (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in the General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 30 June 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Ryoshi Japanese Restaurant located at:
  - Mall Bali Galeria, Lantai 1C No. 55-57, Jl. Bypass Ngurah Rai, Kuta, Badung, Bali 80361
  - Jl. Raya Seminyak No. 17, Kuta, Badung, Bali 80361
  - Jl. Hanoman No. 68, Ubud, Gianyar, Bali 80571
6. A minimum transaction of IDR200,000 (two hundred thousand rupiah) applies.
7. 10% (ten percent) discount applies before tax and service charges.
8. No maximum discount limit.
9. Program is valid for dine-in.
10. Program is valid every day during the Program Period.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Save 10% at Sakanaya By Ryoshi

The General Terms and Conditions of 10% (Ten Percent) Discount Program at Sakanaya By Ryoshi (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the 10% (Ten Percent) Discount Program at Sakanaya By Ryoshi (“Program”), organized by PT JCB International Indonesia (“JCB”).

Program Participants hereby agree to and are bound by all provisions set forth in these General Terms and Conditions of the Program as outlined below:

Program Period
The Program will be conducted during the period from 1 November 2025 to 30 June 2026 (“Program Period”).
Program Participant Criteria
This Program is only open to Program Participants who meet the following criteria :
1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own and transact using Danamon JCB Precious credit card (“Program Participant”).
General Terms and Conditions of the Program
1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program is valid at Sakanaya By Ryoshi located at:
  - Jl. Sunset Road No.77 X, Seminyak, Badung, Bali 80361
  - Jl. By Pass Tanah Lot No.88, Munggu, Badung, Bali 80351
6. A minimum transaction of IDR200,000 (two hundred thousand rupiah) applies.
7. A 10% (ten percent) discount before tax and service charges.
8. There is no maximum discount limit.
9. Program is valid for dine-in.
10. Program is valid every day during the Program Period.
11. Program cannot be combined with other programs and/or promotions.
12. Program Participants must use Card for payment.
13. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
14. Click here to view the JCB Special Offers promo page and more information.
15. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

Program Participant Complaints

Program Participants may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank branch, via Hello Danamon at 1-500-090, or by email at hellodanamon@danamon.co.id.
The procedures for complaint handling can be accessed via the website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

Other Terms and Conditions

The General Terms and Conditions of the Program form an integral and inseparable part of the General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions of Danamon Credit Card Membership, and the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership. These terms remain in effect unless otherwise stipulated in this General Terms and Conditions of the Program.
Products, services, and/or benefits provided by JCB are solely the responsibility of JCB and are not products nor the responsibility of the Bank. For any issues or complaints related to such products, services, and/or benefits, please contact JCBF directly.
Program Participants hereby agree and acknowledge that the Bank reserves the right to revise, amend, or supplement the General Terms and Conditions of the Program from time to time. All changes or updates will be communicated through the Bank’s available communication channels. If such changes involve modifications to benefits, risks, fees, or other conditions, Program Participants have the right to submit written objections to Bank Danamon within thirty (30) business days from the notification date. If no objection is submitted within that timeframe, the Progream Participant is deemed to have agreed to the changes. If the Program Participant disagrees, they may cancel their Program enrollment after fulfilling any outstanding obligations to the Bank (if any).
Program Participants state that there are no, and will be no, transactions that indicate money laundering or other activities prohibited under prevailing laws and regulations in Indonesia.
If there are indications of fraud, misuse, irregular or suspicious transactions, money laundering, or violations of applicable laws, the Bank has the right to cancel transactions, terminate use of Bank products/services, revoke Program participation, and withdraw Program benefits from the affected Program Participant. The Program Participant must still fulfill any outstanding obligations to the Bank (if any).
In case of any irregularities related to the Program or if fraud is suspected, the Program Participant is advised to immediately report such concerns to Hello Danamon.
The General Terms and Conditions of the Program has been adjusted to comply with applicable laws and regulations, including provisions issued by the Financial Services Authority (OJK).
PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation (LPS) guarantee program.

Warning

Program Participants must exercise caution against fraud committed by individuals claiming to represent the Bank and promising rewards of any kind. Any fraudulent activity or other criminal acts carried out by third parties in connection with or claiming affiliation with the Program are beyond the authority and responsibility of the Bank.