0% Installment up to 24 Months at Selected E-commerce

GENERAL TERMS AND CONDITIONS OF THE PROGRAM

0% INSTALLMENT UP TO 12 MONTHS AT DINOMARKET

The General Terms and Conditions of the program of 0% installment up to 12 months at Dinomarket ("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 12 months at Dinomarket ("Program"), which is organized by Bank Danamon in collaboration with Dinomarket as merchant partners.

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

1. Program Period

   The program runs from October 1, 2025 until September 30, 2027 ("Program Period").



2. Program Terms and Conditions
   1. The program applies to Cardholders as follows: Bank Danamon Credit Cards with Visa, Mastercard, JCB, and American Express logos, and Danamon American Express Charge Cards, but excluding corporate Credit Cards and Charge Cards (“Cards”).
   2. Cardholders are required to read and understand the General Terms and Conditions of this 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 this Program.
   4. Cardholders are responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   5. The program is subject to the following conditions:
      1. The 0% (zero percent) installment program applies to tenors of 3 (three), 6 (six), and 12 (twelve) months with the following minimum amounts:

         Installment Tenor	Minimum Transaction
         3 months	IDR 500,000
         6 months	IDR 500,000
         12 months	IDR 500,000

      2. The program applies to all types of retail transactions on the Dinomarket website or mobile application;
      3. Each transaction converted into installments will be subject to an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder. If the installments are cancelled by the Cardholder, the administration fee will not be refunded to the Cardholder;
      4. The program is valid if the installment has not been submitted to Bank Danamon through other media (e.g. SMS, email, etc.).
      5. Each transaction with installment conversion will not receive D-Points or Membership Rewards Points;
      6. For each early repayment or cancellation of a program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five percent) of the remaining principal of the program loan and the interest accrued at that time (if any).

   6. The program applies to both main and supplementary cards.

   7. The program is valid every day, including on national holidays, throughout the Program Period.

   8. The program cannot be combined with other programs and/or promotions.

   9. By conducting transactions in accordance with the General Terms and Conditions of the Program, Cardholders are deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to comply with the General Terms and Conditions of the Program.

3. Additional Terms and Conditions
   1. Products and/or services offered by merchant partners are not the responsibility of Bank Danamon and are fully under the merchants’ accountability. Please contact the relevant merchant for any issues or complaints.
   2. The Cardholder confirms that no transaction associated with this Program constitutes money laundering or violates applicable laws and regulations in Indonesia.
   3. If fraud, abuse, transaction irregularities, or violations of laws are suspected, Bank Danamon may cancel the transaction, suspend services, or terminate Program benefits. The Cardholder remains liable for any outstanding obligations to the Bank.
   4. These Terms and Conditions form an integral part of the: General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, General Terms and Conditions of Danamon Credit Card Membership, and any other applicable banking terms. If there is any inconsistency, these Program Terms shall prevail.
   5. These Terms and Conditions form an integral part of the: General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, General Terms and Conditions of Danamon Credit Card Membership, and any other applicable banking terms. If there is any inconsistency, these Program Terms shall prevail.
   6. If any part of these Terms is deemed invalid by law or court decision, the remaining provisions shall remain valid and enforceable.
   7. Complaints may be submitted by the Cardholder or an authorized representative either orally or in writing via the nearest Bank Danamon branch, Hello Danamon (1-500-090), or email at  hellodanamon@danamon.co.id .
   8. Complaint procedures are available at https://www.danamon.co.id/en/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 member of the Deposit Insurance Corporation (LPS).
   10. These Terms and Conditions comply with applicable laws and regulations, including those issued by the Financial Services Authority.

GENERAL TERMS AND CONDITIONS OF THE PROGRAM

0% INSTALLMENT UP TO 12 MONTHS AT SHOPEE

The General Terms and Conditions of the program of 0% installment up to 12 months at Shopee ("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 12 months at Shopee ("Program"), which is organized by Bank Danamon in collaboration with Shopee as merchant partners.

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

1. Program Period

   The program runs from October 1, 2025 until September 30, 2027 ("Program Period").



2. Program Terms and Conditions
   1. The program applies to Cardholders as follows: Danamon Credit Cards with Visa, Mastercard, JCB, and American Express logos, and Danamon American Express Charge Cards, but excluding corporate Credit Cards and Charge Cards (“Cards”).
   2. Cardholders are required to read and understand the General Terms and Conditions of this 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 this Program.
   4. Cardholders are responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   5. The program is subject to the following conditions:
      1. The 0% (zero percent) installment program applies to tenors of 3 (three), 6 (six), and 12 (twelve) months with the following minimum amounts:

         Installment Tenor	Minimum Transaction
         3 months	IDR 500,000
         6 months	IDR 500,000
         12 months	IDR 500,000

      2. The program applies to all types of retail transactions on the Shopee website or mobile application.
      3. Each transaction converted into installments will be subject to an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder. If the installments are cancelled by the Cardholder, the administration fee will not be refunded to the Cardholder;
      4. The program is valid if the installment has not been submitted to Bank Danamon through other media (e.g. SMS, email, etc.);
      5. Each transaction with installment conversion will not receive D-Points or Membership Rewards Points;
      6. For each early repayment or cancellation of a program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five percent) of the remaining principal of the program loan and the interest accrued at that time (if any).
   6. The program applies to both main and supplementary cards.
   7. The program is valid every day, including on national holidays, throughout the Program Period.
   8. The program cannot be combined with other programs and/or promotions.
   9. By conducting transactions in accordance with the General Terms and Conditions of the Program, Cardholders are deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to comply with the General Terms and Conditions of the Program.


3. Additional Terms and Conditions
   1. Products and/or services offered by merchant partners are not the responsibility of Bank Danamon and are fully under the merchants’ accountability. Please contact the relevant merchant for any issues or complaints.
   2. The Cardholder confirms that no transaction associated with this Program constitutes money laundering or violates applicable laws and regulations in Indonesia.
   3. If fraud, abuse, transaction irregularities, or violations of laws are suspected, Bank Danamon may cancel the transaction, suspend services, or terminate Program benefits. The Cardholder remains liable for any outstanding obligations to the Bank.
   4. These Terms and Conditions form an integral part of the: General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, General Terms and Conditions of Danamon Credit Card Membership, and any other applicable banking terms. If there is any inconsistency, these Program Terms shall prevail.
   5. If any part of these Terms is deemed invalid by law or court decision, the remaining provisions shall remain valid and enforceable.
   6. Complaints may be submitted by the Cardholder or an authorized representative either orally or in writing via the nearest Bank Danamon branch, Hello Danamon (1-500-090), or email at hellodanamon@danamon.co.id.
   7. Complaint procedures are available at https://www.danamon.co.id/en/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
   8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a member of the Deposit Insurance Corporation (LPS).
   9. These Terms and Conditions comply with applicable laws and regulations, including those issued by the Financial Services Authority. 

GENERAL TERMS AND CONDITIONS OF THE PROGRAM

0% INSTALLMENT UP TO 12 MONTHS AT TOKOPEDIA

The General Terms and Conditions of the program of 0% installment up to 12 months at Tokopedia ("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 12 months at Tokopedia ("Program"), which is organized by Bank Danamon in collaboration with Tokopedia as merchant partners.

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

1. Program Period

   The program runs from September 1, 2025 until December 31, 2026 ("Program Period").



2. Program Terms and Conditions
   1. The program applies to Cardholders as follows: Danamon Credit Cards with Visa, Mastercard, JCB, and American Express logos, and Bank Danamon American Express Charge Cards, but excluding corporate Credit Cards and Charge Cards (“Cards”).
   2. Cardholders are required to read and understand the General Terms and Conditions of this 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 this Program.
   4. Cardholders are responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   5. The program is subject to the following conditions:
      1. The 0% (zero percent) installment program applies to tenors of 3 (three), 6 (six), and 12 (twelve) months.
      2. The program applies to transactions with the following minimum amounts:

         Installment Tenor	Minimum Transaction
         3 months	IDR 500,000
         6 months	IDR 500,000
         12 months	IDR 500,000

      3. The program applies to all types of retail transactions on the Tokopedia website or mobile application.
      4. The program applies to both main and supplementary cards;
      5. Each transaction converted into installments will be subject to an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder. If the installments are cancelled by the Cardholder, the administration fee will not be refunded to the Cardholder;
      6. Each transaction with installment conversion will not receive D-Points or Membership Rewards Points;
      7. The program is valid if the installment has not been submitted to Bank Danamon through other media (e.g. SMS, email, etc.);
      8. For each early repayment or cancellation of a program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five percent) of the remaining principal of the program loan and the interest accrued at that time (if any).
   6. The program cannot be combined with other programs and/or promotions.
   7. By conducting transactions in accordance with the General Terms and Conditions of the Program, Cardholders are deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to comply with the General Terms and Conditions of the Program.



3. Additional Terms and Conditions

   1. Products and/or services offered by merchant partners are not the responsibility of Bank Danamon and are fully under the merchants’ accountability. Please contact the relevant merchant for any issues or complaints.
   2. The Cardholder confirms that no transaction associated with this Program constitutes money laundering or violates applicable laws and regulations in Indonesia.
   3. If fraud, abuse, transaction irregularities, or violations of laws are suspected, Bank Danamon may cancel the transaction, suspend services, or terminate Program benefits. The Cardholder remains liable for any outstanding obligations to the Bank.
   4. These Terms and Conditions form an integral part of the: General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, General Terms and Conditions of Danamon Credit Card Membership, and any other applicable banking terms. If there is any inconsistency, these Program Terms shall prevail.
   5. Bank Danamon reserves the right to modify, update, or supplement these Terms at any time. Any changes will be announced through Bank Danamon’s official communication channels. If changes affect benefits, risks, costs, or conditions, Cardholders may raise objections in writing within 30 (thirty) business days. Failure to object within this period will be deemed as acceptance.
   6. If any part of these Terms is deemed invalid by law or court decision, the remaining provisions shall remain valid and enforceable.
   7. Complaints may be submitted by the Cardholder or an authorized representative either orally or in writing via the nearest Bank Danamon branch, Hello Danamon (1-500-090), or email at hellodanamon@danamon.co.id.
   8. Complaint procedures are available at https://www.danamon.co.id/en/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 member of the Deposit Insurance Corporation (LPS).
   10. These Terms and Conditions comply with applicable laws and regulations, including those issued by the Financial Services Authority. 

Customers must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising gifts of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the Program are beyond the authority of Bank Danamon.