JCB Travel Exclusive Offers​

GENERAL TERMS AND CONDITIONS
OF THE UP TO 30% (THIRTY PERCENT) DISCOUNT PROGRAM AT TOKYO TOWER

The General Terms and Conditions of the up to 30% (Thirty Percent) Discount Program at Tokyo Tower (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the up to 30% (Thirty Percent) Discount Program at Tokyo Tower (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and bind themselves to all provisions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 30 April 2026 ("Program Period").

2. Program Participants 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 use a Danamon JCB Precious Credit Card ("Program Participants").
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of this Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if the Program Participants do not comply with the General Terms and Conditions of this Program.
   3. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   4. Applies to Program Participants who own and transact using a Danamon JCB Precious Credit Card (“Card”).
      
   5. Applicable at Tokyo Tower located at 4 Chome-2-8 Shibakoen, Minato City, Tokyo 105-0011, Japan.
   6. Discounts are applicable with the following terms and conditions:
      1. 30% (thirty percent) discount for the main deck observatory by showing the JCB Special Offers promo page at the Tokyo Tower ticket counter, valid for up to five people per card.
      2. 10% (ten percent) discount for purchases by showing the JCB Special Offers promo page at the official Tokyo Tower store.
   7. Discounts do not include taxes and/or other additional charges.
   8. The program is not valid for online purchases.
   9. The program is valid every day during the Program Period.
   10. The program cannot be combined with other program and/or promotions.
   11. Program participants must use their Card for payment.
   12. Program participants must inform the staff before making a transaction to receive the discount under this Program.
   13. Program participants must 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 further information.
   15. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of this Program. The Transaction made by the Program Participant is valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be subject to the General Terms and Conditions of the Program.

GENERAL TERMS AND CONDITIONS OF THE PROGRAM
SAVE UP TO 7% (SEVENT PERCENT) AT SAPPORO DRUG STORE (SATUDORA) IN JAPAN

The General Terms and Conditions of the Program Save Up to 7% (Seven Percent) at Sapporo Drug Store (Satudora) in Japan (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Save Up to 7% (Seven Percent) at Sapporo Drug Store (Satudora) in Japan (“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:

1. Program Period
   The Program will be conducted during the period from 1 October 2025 to 30 September 2026 ("Program Period").


2. Program Participants 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”).


3. 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. Savings applies at Sapporo Drug Store (Satudora).
   6. Savings applies under the following conditions:
      • 5% (five percent) savings with a minimum transaction of JPY 5,000 (five thousand yen).
      • 7% (seven percent) savings with a minimum transaction of JPY 38,888 (thirty-eight thousand eight hundred and eighty-eight yen).
   7. Savings applies before tax and/or other additional charges.
   8. Program does not apply for online purchases.
   9. Program is valid everyday 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 saving under this Program.
   13. Program Participants must show the saving coupon and passport before making a transaction to receive the saving for 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.
4. Program Participant Complaints
   1. 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
      
   2. The procedures for complaint handling can be accessed via the website: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah .
5. Other Terms and Conditions
   1. 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.
      
   2. Products, services, and/or benefits provided 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 JCB directly.
      
   3. 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 Program 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).
      
   4. 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.
      
   5. 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).
      
   6. 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.
      
   7. 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).
      
   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 Indonesia Deposit Insurance Corporation (LPS) guarantee program.

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.

GENERAL TERMS AND CONDITIONS
OF THE UP TO 10% (TEN PERCENT) DISCOUNT PROGRAM AT ARIAKE GARDEN

The General Terms and Conditions of the up to 10% (Ten Percent) Discount Program at Ariake Garden (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the up to 10% (Ten Percent) Discount Program at Ariake Garden (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and bind themselves to all the terms and conditions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 31 March 2026 ("Program Period").

2. Program Participants 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 use a Danamon JCB Precious Credit Card ("Program Participants").
      
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if they do not meet the General Terms and Conditions of the Program.
   3. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   4. Applicable to Program Participants who own and make transactions using a Danamon JCB Precious Credit Card (“Card”).
   5. Valid at Ariake Garden located at 2 Chome-1-8 Ariake, Koto City, Tokyo 135-0063, Japan.
   6. Discounts of up to 10% (ten percent) apply.
   7. Discounts do not include taxes and/or other additional charges.
   8. The Program does not apply to online purchases.
   9. The Program is valid every day during the Program Period.
   10. The program cannot be combined with other program and/or promotions.
   11. Program participants must use their Card for payment.
   12. Program participants must inform the staff before making a transaction to receive the discount under this Program.
   13. Program participants must 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 further information.
   15. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of this Program. The Transaction made by the Program Participant is valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be subject to the General Terms and Conditions of the Program.

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank and promising prizes 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 the Bank.

GENERAL TERMS AND CONDITIONS
OF THE DISCOUNT UP TO 10% (TEN PERCENT) PROGRAM AT HANEDA AIRPORT GARDEN

The General Terms and Conditions of the up to 10% (Ten Percent) Discount Program at Haneda Airport Garden (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the up to 10% (Ten Percent) Discount Program at Haneda Airport Garden (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and bind themselves to all provisions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 31 March 2026 ("Program Period").

2. Program Participants 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 use a Danamon JCB Precious Credit Card (“Program Participants”).
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of this Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if the Program Participants do not comply with the General Terms and Conditions of this Program.
   3. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
   4. Applies to Program Participants who own and make transactions using a Danamon JCB Precious Credit Card (“Card”).
   5. Valid at Haneda Airport Garden located at 2 Chome-7-1 Hanedakuko, Ota City, Tokyo 144-0041, Japan.
   6. Discount of up to 10% (ten percent) applies.
   7. Discounts do not include taxes and/or other additional charges.
   8. The Program does not apply to online purchases.
   9. The Program is valid every day during the Program Period.
   10. The program cannot be combined with other program and/or promotions.
   11. Program participants must use their Card for payment.
   12. Program participants must inform the staff before making a transaction to receive the discount under this Program.
   13. Program participants must 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 further information.
   15. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of this Program. The Transaction made by the Program Participant is valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be subject to the General Terms and Conditions of the Program.

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank and promising prizes 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 the Bank.

GENERAL TERMS AND CONDITIONS OF THE PROGRAM
SAVE UP TO 7% (SEVENT PERCENT) AT DRUG STORE IN JAPAN

The General Terms and Conditions of the Program Save Up to 7% (Seven Percent) at Drug Store in Japan (“ General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Save Up to 7% (Seven Percent) at Drug Store in Japan (“ Program”), organized by PT JCB International Indonesia (“ JCB”).

Program Participants hereby agree and are bound by all the terms and conditions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The Program will be conducted during the period from 1 October 2025 to 30 September 2026 (“ Program Period”).

2. Program Participants 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 use a Danamon JCB Precious Credit Card (“ Program Participants”).
3. 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. Savings apply under the following conditions:
      1. Matsumoto Kiyoshi
      • 3% (three percent) savings for a minimum purchase of JPY 10,000 (ten thousand yen)
      • 5% (five percent) savings for a minimum purchase of JPY 30,000 (thirty thousand yen)
      • 7% (seven percent) savings for a minimum purchase of JPY 50,000 (fifty thousand yen)
      2. Cocokara Fine
      • 3% (three percent) saving for a minimum purchase of JPY 10,000 (ten thousand yen)
      • 5% (five percent) saving for a minimum purchase of JPY 30,000 (thirty thousand yen)
      • 7% (seven percent) saving for a minimum purchase of JPY 50,000 (fifty thousand yen)
      3. Sundrug
      • 3% (three percent) saving for a minimum purchase of JPY 10,000 (ten thousand yen)
      • 5% (five percent) saving for a minimum purchase of JPY 30,000 (thirty thousand yen)
      • 7% (seven percent) saving for a minimum purchase of JPY 50,000 (fifty thousand yen)
      4. Tsuruha Drug
      • 3% (three percent) saving for a minimum purchase of JPY 10,000 (ten thousand yen)
      • 5% (five percent) saving for a minimum purchase of JPY 30,000 (thirty thousand yen)
      • 7% (seven percent) saving for a minimum purchase of JPY 50,000 (fifty thousand yen)
   6. Savings applies before tax and/or other additional charges.
   7. Program does not apply for online purchases.
   8. Program is valid everyday during the Program Period.
   9. Program cannot be combined with other programs and/or promotions.
   10. Program Participants must use Card for payment.
   11. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the saving under this Program.
   12. Program Participants must show the saving coupon and passport before making a transaction to receive the saving for 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.
4. Program Participant Complaints
   1. 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.
      
   2. The procedures for complaint handling can be accessed via the website: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
      
5. Other Terms and Conditions
   1. 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.
   2. Products, services, and/or benefits provided 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 JCB directly.
   3. 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 Program 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).
   4. 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.
   5. 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).
   6. 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.
   7. 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).
   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 Indonesia Deposit Insurance Corporation (LPS) guarantee program.

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.

GENERAL TERMS AND CONDITIONS
OF THE 5% (FIVE PERCENT) DISCOUNT PROGRAM AT ANA DUTY FREE SHOP

The General Terms and Conditions of the 5% (Five Percent) Discount Program at ANA Duty Free Shop (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the 5% (Five Percent) Discount Program at ANA Duty Free Shop (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and are bound by all the terms and conditions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 31 March 2026 (“Program Period”).

2. Program Participants 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 use a Danamon JCB Precious Credit Card (“Program Participants”).
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if they do not meet the General Terms and Conditions of the Program.
   3. Participants in the Program are fully responsible for all risks of loss, demands, lawsuits, and/or claims related to their participation and/or cancellation of participation in this Program.
   4. Applies to Program Participants who own and make transactions using a Danamon JCB Precious Credit Card (“Card”).
   5. Valid at ANA Duty Free Shop located in Terminal 1 South Wing, Narita International Airport, Japan.
   6. 5% (five percent) discount applies.
   7. Discount does not include taxes and/or other additional charges.
   8. Program is not valid for online purchases.
   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 the Card for payment.
   12. Program participants must inform the staff before making a transaction to receive the discount under this Program.
   13. Program participants must present the discount coupon before making a transaction to receive the discount under this Program.
   14. The discount coupon is valid for one person per flight.
   15. Click here to view the discount coupon and further information.
   16. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be bound by the General Terms and Conditions of this Program. The transaction made by the Program Participant constitutes valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be bound by the General Terms and Conditions of this Program.

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank and promising prizes 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 the Bank.

GENERAL TERMS AND CONDITIONS
OF THE 5% (FIVE PERCENT) DISCOUNT PROGRAM AT MATSUYA GINZA

The General Terms and Conditions of the 5% (Five Percent) Discount Program at Matsuya Ginza (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the 5% (Five Percent) Discount Program at Matsuya Ginza (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and are bound by all the terms and conditions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 31 March 2026 ("Program Period").

2. Program Participants 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 use a Danamon JCB Precious Credit Card (“Program Participants”).
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if they do not meet the General Terms and Conditions of the Program.
   3. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims related to their participation and/or cancellation of participation in this Program.
   4. Applicable to Program Participants who own and make transactions using a Danamon JCB Precious Credit Card (“Card”).
   5. Valid at Matsuya Ginza located at 3 Chome-6-1 Ginza, Chuo City, Tokyo 104-8130, Japan.
   6. 5% (five percent) discount applies.
   7. Discounts do not include taxes and/or other additional charges.
   8. The Program does not apply to online purchases.
   9. The Program is valid every day during the Program Period.
   10. The program cannot be combined with other program and/or promotions.
   11. Program participants must use their Card for payment.
   12. Program participants must inform the staff before making a transaction to receive the discount under this Program.
   13. Program participants must 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 further information.
   15. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of this Program. The Transaction made by the Program Participant is valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be subject to the General Terms and Conditions of the Program.

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank and promising prizes 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 the Bank.

GENERAL TERMS AND CONDITIONS OF THE PROGRAM
10% (Ten percent) Tax Free and Save up to 7% (Seven Percent) at Bic Camera

The General Terms and Conditions of the Program 10% (Ten percent) Tax Free and Save up to 7% (Seven Percent) at Bic Camera (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program 10% (Ten Percent) Tax Free and Save up to 7% (Seven Percent) at Bic Camera (“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:

1. Program Period
   

   The Program will be conducted during the period from 1 August 2023 to 31 December 2026 (“Program Period”).

    

2. Program Participants 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”).
3. 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 apply for 10% (ten percent) Tax Free and save up to 7% (seven percent).
   6. Saving applies before tax and/or other additional charges.
   7. Program does not apply for online purchases.
   8. Program is valid everyday during the Program Period.
   9. Program cannot be combined with other programs and/or promotions.
   10. Program Participants must use Card for payment.
   11. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the saving under this Program.
   12. Program Participants must show the saving coupon and passport before making a transaction to receive the saving for 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.
4. Program Participant Complaints
   1. 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.
      
   2. The procedures for complaint handling can be accessed via the website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
      
5. Other Terms and Conditions
   1. 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.
      
   2. Products, services, and/or benefits provided 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 JCB directly.
      
   3. 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 Program 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).
      
   4. 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.
      
   5. 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).
      
   6. 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.
      
   7. 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).
      
   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 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.

GENERAL TERMS AND CONDITIONS OF THE 10% (TEN PERCENT) TAX EXEMPTION
AND 5% (FIVE PERCENT) DISCOUNT PROGRAM
AT ELECTRONIC AND HOME APPLIANCE STORES IN JAPAN

The General Terms and Conditions of the 10% (Ten Percent) Tax-Free Program and 5% (Five Percent) Discount at Electronics and Home Appliance Stores in Japan (“General Terms and Conditions of the Program”) are the terms and conditions applicable to Program Participants who participate in the 10% (Ten Percent) Tax-Free Program and 5% (Five Percent) Discount Program at Electronics and Home Appliance Stores in Japan (“Program”) organised by PT JCB International Indonesia Tbk (“JCB”).

Program Participants hereby agree and bind themselves to all provisions in the General Terms and Conditions of the Program as follows:

1. Program Period

   The program is implemented during the period from 1 May 2025 to 31 March 2026 (‘Program Period’).

2. Program Participants 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 use a Danamon JCB Precious Credit Card (“Program Participants”).
3. Program Terms and Conditions
   1. Program Participants must read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the participation of Program Participants in this Program if they do not meet the General Terms and Conditions of the Program.
   3. Participants in the Program are fully responsible for all risks of loss, demands, lawsuits, and/or claims related to their participation and/or cancellation of participation in this Program.
   4. Applies to Program Participants who have and make transactions using a Danamon JCB Precious Credit Card (“Card”).
   5. 10% (ten percent) tax exemption and 5% (five percent) discount apply.
   6. Discounts do not include taxes and/or other additional charges.
   7. The Program does not apply to online purchases.
   8. The Program is valid every day during the Program Period.
   9. The Program cannot be combined with other programs and/or promotions.
   10. Program Participants must use the Card for payment.
   11. Program Participants must inform the cashier before making a transaction to receive tax exemption and discounts under this Program.
   12. Click here to see participating stores and further information.
   13. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be bound by the General Terms and Conditions of this Program. The transaction made by the Cardholder serves as valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be bound by the General Terms and Conditions of this Program.
4. Program Participant Complaints
   1. Program participants may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank branch or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
      
   2. The complaint handling procedure can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
      
5. Other Terms and Conditions
   1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of PT Bank Danamon Indonesia Tbk Banking Accounts and Services and the General Terms and Conditions of Danamon Credit Card Membership. These terms and conditions remain valid unless otherwise stipulated in the General Terms and Conditions of this Program.
   2. The products, services and/or benefits provided by JCB are the responsibility of JCB and are not the products or responsibility of the Bank. If there are any problems and/or complaints regarding these products, services and/or benefits, please contact JCB.
   3. Program Participants hereby agree and acknowledge that the Bank reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at the Bank. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, Program Participants are entitled to submit their objections in writing to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by the Bank through the Bank's communication media. Program Participants agree that Program Participants are deemed to have accepted such changes if they do not submit any objections within the aforementioned period. If Program Participants do not accept such changes, they have the right to cancel their participation in the Program after first settling all obligations of Program Participants to the Bank (if any).
   4. Program Participants declare that there are no and will be no transactions that are suspected of money laundering and/or other transactions that are not permitted under the laws and regulations applicable in Indonesia.
   5. If there are indications of fraud, cheating, abuse, transaction irregularities, unusual transactions, money laundering, and/or actions that are not in accordance with the laws and regulations, the Bank has the right to cancel the transaction, terminate the use of the Bank's products/services, cancel participation in the Program, and/or cancel the benefits of the Program for the Program Participant concerned. Program Participants remain obliged to settle all their obligations to the Bank (if any).
   6. If any irregularities related to this Program are found or if fraud is suspected, Program Participants are advised to immediately inform Hello Danamon.
   7. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK).
   8. 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 (LPS).

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank and promising prizes 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 the Bank.

GENERAL TERMS AND CONDITIONS OF THE PROGRAM
CASHBACK 10% (TEN PERCENT) PREMIUM OUTLETS IN JAPAN

The General Terms and Conditions of the Program Cashback 10% (Ten Percent) Premium Outlets in Japan (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Cashback 10% (Ten Percent) Premium Outlets in Japan (“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:

1. Program Period

   The Program will be conducted during four periods:

   1. October 1^st, 2025 to December 31^st, 2025,
   2. January 1^st, 2026 to March 31^st, 2026,
   3. April 1^st, 2026 – June 30^th, 2026, and
   4. July 1^st, 2026 – September 30^th, 2026 (“Program Period”).
2. 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”).
      
3. 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 selected merchants in Japan, and the list of merchants may change at any time. For the latest information and clarity, please click here to view the list of participating merchants.
      
   6. Program requires a minimum accumulated transaction of JPY 100,000 (one hundred thousand yen) for each Program Period.
      
   7. Program rewards a cashback of 10% (ten percent), with a maximum cashback of JPY 10,000 (ten thousand yen) (“Reward”) for each Program Period.
      
   8. Program applies to both primary and supplementary Cards.
      
   9. If Program Participant holds more than one Card, the Reward applies to all Cards owned by Program Participant.
      
   10. Reward will not be awarded if the Card is closed, blocked, not active and/or there are late payments.
       
   11. Reward is non-transferable and cannot be exchanged for cash.
       
   12. Program is valid every day during the Program Period.
       
   13. Program Participants must use Card for payment.
       
   14. The General Terms and Conditions of the Program may change at any time in accordance with the policies of the Program organizer, namely JCB. For the latest information regarding the Program, click here to visit the JCB promo webpage.
       
   15. Rewards earned under this Program will be credited to Program Participant’s Card that has fulfilled the General Terms and Conditions of the Program within 60 (sixty) business days (or another period deemed appropriate by the Bank and JCB) after the end of each Program Period, provided that the Bank and JCB have received all necessary information. This excludes any transactions that are unauthorized, canceled, or exchanged, in which case no Rewards will be awarded to the Program Participant under this Program.
       
   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.
       
4. Program Participant Complaints
   1. 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.
      
   2. The procedures for complaint handling can be accessed via the website: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
      
   3. Complaints regarding this Program will be accepted no later than December 31^st, 2026.
      

GENERAL TERMS AND CONDITIONS OF THE PROGRAM
CASHBACK 10% (TEN PERCENT) OFFLINE MERCHANT TRANSACTIONS IN JAPAN

The General Terms and Conditions of the Program Cashback 10% (Ten Percent) Offline Merchant Transactions in Japan (“General Terms and Conditions of the Program”) constitute the applicable terms and conditions for Program Participants who take part in the Program Cashback 10% (Ten Percent) Offline Merchant Transactions in Japan (“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:

1. Program Period

   The Program will be conducted during two period:

   1. October 1^st, 2025 to December 31^st, 2025, and
   2. January 1^st, 2026 to March 31^st, 2026 (“Program Period”).
2. Program Participant Criteria

   This Program is only open to Program Participants who meet the following criteria :

   1. Customers or prospective customers of PT Bank Danamon Indonesia Tbk (“Bank”) who apply for Danamon JCB Precious Credit Card and are approved during the period from September 1^st, 2025 to March 31^st, 2026 (“Program Participant”).
3. 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 applies to offline merchant transactions in Japan.
   6. Program requires a minimum accumulated transaction of JPY 100,000 (one hundred thousand yen) for each Program Period.
   7. Program awards a cashback of 10% (ten percent), with a maximum cashback of JPY 10,000 (ten thousand yen) (“Reward”) for each Program Period.
   8. Program applies to both primary and supplementary Cards.
   9. If Program Participant holds more than one Card, the Reward applies to all Cards owned by Program Participant.
   10. Reward will not be awarded if the Card is closed, blocked, not active and/or there are late payments.
   11. Reward is non-transferable and cannot be exchanged for cash.
   12. Program is valid every day during the Program Period.
   13. Program Participants must use Card for payment.
   14. The General Terms and Conditions of the Program may change at any time in accordance with the policies of the Program organizer, namely JCB. For the latest information regarding the Program, click here to visit the JCB promo webpage.
   15. Rewards earned under this Program will be credited to Program Participant’s Card that has fulfilled the General Terms and Conditions of the Program within 60 (sixty) business days (or another period deemed appropriate by the Bank and JCB) after the end of each Program Period, provided that the Bank and JCB have received all necessary information. This excludes any transactions that are unauthorized, canceled, or exchanged, in which case no Rewards will be awarded to the Program Participant under this Program.
   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.