Penawaran dari American Express® Global Benefits

General Terms and Conditions of the Save Up to 30% on Hotel Bookings in Booking.com Program for Danamon American Express® Charge Card ("General Terms and Conditions of the Program") are the terms and conditions applicable to customers who participate in the Save Up to 30% on Hotel Bookings in Booking.com Program for Danamon American Express® Charge Card ("Program") organized by American Express® Indonesia.

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 Period is from 1 January 2026 until 31 December 2026 (the "Program Period").

2. Participant Criteria
   1. This program is valid for Bank Danamon individual customers who have a Danamon Platinum Card®, Danamon American Express® Gold Card, Danamon American Express® Green Charge Card, Danamon American Express® Credit Card ("Card").
   2. The Cardholder's American Express® Danamon Card must be active, not in arrears, and the card condition is unblocked.
3. Program Terms and Conditions
   1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
      
   2. The Bank reserves the right to refuse or cancel the 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 solely responsible for all risks of losses, claims, lawsuits, and/or claims in connection with the Program Participant's participation and/or cancellation of participation in this Program.
   4. The program is valid under the following conditions:
      
      1. Save up to 30% on select hotel bookings made through Booking.com.
      2. Valid for bookings through the Booking.com website | Official site | The best hotels, flights, car rentals & accommodations
      3. Program Participants can only make eligible hotel reservations through Booking.com using the special American Express® Benefit Platform and use an eligible Danamon American Express® Card at the time of payment for the reservation.
      4. Eligible hotel offers can be classified by the yellow border on the offer.
      5. The offer is only valid for the base rate of the room and does not include taxes, surcharges or other charges.
      6. This offer cannot be combined with other promotions and does not apply to previous bookings.
      7. This offer is subject to availability, may be subject to blackout dates, and may vary each night in a single reservation.
      8. This offer is subject to change or termination at any time without prior notice, and participating hotels are subject to change at any time.
      9. Promo can only be used with purchases at the link above and is not valid through other channels.
      10. For more information, visit Booking.com | American Express® Indonesia
   5. This offer is provided by American Express® and fulfillment of this offer is solely the responsibility of Rocket Travel, Inc.
   6. Bank Danamon's decisions related to the Program, including but not limited to the receipt of the Prospective Cardholder's personal data for the purpose of the decision to award prizes are final and cannot be challenged against all Cardholders participating in the Program, both Cardholders and Prospective Cardholders.
   7. Other terms and conditions related to the card and the products and/or services of Bank Danamon, as long as they are not regulated differently in the General Terms and Conditions of this Program are declared to remain valid and binding on the Cardholder and become an integral part of the General Terms and Conditions of the Program.
   8. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Danamon American Express® Credit Card and Charge Card Membership as well as the General Terms and Conditions of Rewards Point Membership. These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   9. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to correct/amend/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 Bank Danamon. In the event that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the date of notification of the change made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that the Cardholder is deemed to have agreed to such changes in the event that the Cardholder does not raise any objections within such timeframe. If the Cardholder does not agree to the change, the Cardholder has the right to cancel the Program membership by first completing all of the Cardholder's obligations to Bank Danamon (if any).
   10. The Cardholder declares that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed under the applicable laws and regulations in Indonesia.
   11. If there is a report of any indication of misconduct, fraud and/or transaction irregularities, Bank Danamon has the right to cancel the transaction, cancel the Program participation, or give prizes to the Cardholder concerned.
4. Complaints from Program Participants
   1. Program Participants can submit complaints about banking products/services orally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   2. Procedures regarding complaint services can be accessed through https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Conditions
   1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk and the General Terms and Conditions of Bank Danamon Credit Card Membership, General Terms and Conditions of Danamon American Express® Credit Card and Charge Card Membership, These Terms and Conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   2. The Program Participant hereby agrees and acknowledges that the Bank reserves the right to correct/amend/complete 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 that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Program Participant has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the time the notification of the change is made by the Bank through the Bank's communication media. The Program Participant agrees that the Program Participant is deemed to have agreed to such changes in the event that the Program Participant does not raise any objections within such time frame. If the Program Participant does not agree to the change, then the Program Participant has the right to cancel the Program participation by first settling all Program Participant's obligations to the Bank (if any).
   3. Program Participants declare that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed based on the applicable laws and regulations in Indonesia.
   4. If there are indications of fraud, misconduct, abuse, transaction irregularities, improper transactions, money laundering and/or actions that are not in accordance with 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, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants are still obliged to pay off all their obligations to the Bank (if any).
   5. If irregularities are found related to this Program or if it is felt that fraud has occurred, Program Participants are advised to immediately inform Hello Danamon.
   6. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
   7. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a guarantee participant of the Deposit Insurance Corporation.

These General Terms and Conditions of the Singapore Tourist Privilege Program for Danamon American Express Credit and Charge Cards (“General Terms and Conditions of the Program”) are the terms and conditions that apply to customers who participate in the Singapore Tourist Privilege Program for Danamon American Express Credit and Charge Cards (“Program”) organized by American Express (“Organizer”).

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 period is from July 1, 2025 to May 31, 2026. (“Program Period”).

2. Participant’s Criteria

   Customers who are entitled to participate in this program are as follows:

   1. This program is valid for Bank Danamon customers who hold individual and corporate Danamon American Express Credit and Charge Cards issued by Bank Danamon ("Cards").
   2. Cards must be active, have no outstanding balances, and are not blocked.
   3. The program is valid for supplementary cardholders.
   4. The program is also valid for Bank Danamon employees, hereinafter referred to as ("Program Participants").


3. Program Terms and Conditions
   1. Before participating in the Program, Program Participants are required to read, understand, and comply with the characteristics, benefits, risks, costs, and other provisions of the Program and agree to the General Terms and Conditions of this Program.
   2. The Bank reserves the right to reject or cancel a 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 all risks of loss, claims, lawsuits, and/or claims related to their participation and/or cancellation of their participation in this Program.
   4. The Program consists of various promotions in the dining, travel, and lifestyle categories valid in Singapore.
   5. The list of promotions included in the Program can be seen at the following link:
      • Merchant promotion category Shop, Dine, Play: https://www.americanexpress.com/en-sg/benefits/promotions/exploresg/shop-dine-play.html
      • Merchant promotion category Stay: https://www.americanexpress.com/en-sg/benefits/promotions/exploresg/stay.html
   6. Offers cannot be transferred or exchanged for cash, or combined with other offers, promotions, vouchers, or privileges, unless stated otherwise.
   7. Offers are valid only if payment for the relevant product or service is made using a Card that meets the General Program Terms and Conditions.
   8. Prices listed may be subject to applicable service fees and government taxes (if any).
   9. Expired or unused offers cannot be refunded, extended, or forfeited under certain conditions as determined by the participating merchant, unless stated otherwise.
   10. By making a transaction in accordance with the General Program Terms and Conditions, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be subject to these General Program Terms and Conditions. Transactions made by Program Participants constitute valid proof of their participation in the Program and their agreement to be bound by these General Program Terms and Conditions.
   
   
4. Customer Complaint
1. Program participants can submit complaints about banking products and/or services verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon: 1-500-090 (GSM) or via email at: hellodanamon@danamon.co.id which is available 24 hours.
2. Complete procedures and mechanisms regarding Program Participant complaint services refer to the General Terms and Conditions for Banking Accounts and Services, or can be accessed on the Bank's official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.


5. Other Terms and Conditions
1. Merchants participating in the Program are fully responsible for all products, services, consultations, advice, and fulfillment of the Offer in accordance with these Terms & Conditions.
2. Other provisions refer to the provisions set by American Express as the Organizer. In the event of a dispute regarding the Offer, American Express' decision is final and binding on all parties involved.
3. The terms and conditions of participating merchants in the Program still apply (e.g., additional fees during the holiday season or major holidays) – please check details directly with the relevant merchant.
4. Other terms and conditions related to the Card or Bank Danamon products and/or services, to the extent not stipulated otherwise in these General Terms and Conditions of the Program, remain in effect and are binding on Program Participants and form an integral part of these General Terms and Conditions of the Program.
5. These General Terms and Conditions of the Program are an integral part of the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership and the General Terms and Conditions of Rewards Point Membership. These terms and conditions remain in effect to the extent not stipulated otherwise in these General Terms and Conditions of the Program.
6. Program Participants hereby agree and acknowledge that Bank Danamon reserves the right to amend/change/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions of the Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, Program Participants have the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. Program Participants agree that they are deemed to have agreed to such changes if they do not submit an objection within that time period. If Program Participants do not agree to such changes, Program Participants have the right to cancel their participation in the Program by first fulfilling all Program Participant obligations to Bank Danamon (if any).
7. Program Participants declare that there are no and will not be any transactions that indicate money laundering and/or other transactions that are not permitted under applicable laws and regulations in Indonesia.
8. If there are indications of fraud, cheating, and/or transaction irregularities, unusual transactions, money laundering, and/or actions inconsistent with laws and regulations, Bank Danamon reserves the right to cancel the transaction or cancel the Program Participant's participation in the relevant Program. Program Participants are still required to pay all obligations to Bank Danamon.
9. The General Terms and Conditions of this Program have been adjusted to comply with laws and regulations, including those of the Financial Services Authority.
10. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.


6. Warning

Program participants must be wary of fraud committed by individuals impersonating the Bank and promising prizes in any form. Any fraud or other criminal activity committed by third parties associated with or acting on behalf of the Program is beyond the Bank's jurisdiction.

The General Terms and Conditions of Explore Thailand Program for Danamon American Express Credit and Charge Cards (“General Terms and Conditions of the Program”) are the terms and conditions applicable to customers participating in  Explore Thailand Program for Danamon American Express Credit and Charge Cards (“Program”) organized by American Express (“Organizer”).

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

1. Program Period

   The program is valid from 1 April 2025 - 31 March 2026 (“Program Period”).

2. Participant Criteria
   1. This program is applicable to individual and corporate holders of Danamon American Express Credit and Charge Cards issued by Bank Danamon ("Cardholder").
   2. The Danamon American Express Credit and Charge Card owned by the Cardholder must be active, with no outstanding payments and the card must not be blocked.
   3. Applicable to additional cardholders.
3. Program Terms and Conditions
   1. Program participants must read and understand the General Terms and Conditions of the Program.
      
   2. The bank has the right to refuse or cancel the participation of Program participants 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 of loss, claims, lawsuits, and/or claims related to their participation and/or cancellation of their participation in this Program.
      
   4. The promotional program consists of various promotions in dining, traveling, and lifestyle categories in Thailand.
      
   5. The list of participating merchants can be seen at the following link:
      
      1. Dining category merchants: Dining | American Express TH
      2. Traveling category merchants: Travel | American Express TH
      3. Lifestyle category merchants: Lifestyle | American Express TH
   6. Offers are non-transferable or redeemable for cash, or combinable with other offers, promotions, vouchers, or other privileges unless stated otherwise.
      
   7. The offer is only valid if payment for the related products or services is made using a valid American Express Card held by an eligible Cardholder. 
      
   8. The prices listed may be subject to applicable service charges and government taxes (if any). 
      
   9. Expired or unused offers cannot be refunded, extended, or voided under certain conditions according to the participating merchant's terms, unless stated otherwise. 
      
   10. The participating merchant is fully responsible for all products, services, consultations, advice, and fulfillment of the Offer in accordance with these Terms & Conditions. American Express is not the provider of the products/services offered and makes no statements or guarantees regarding those products/services.
       
   11. Other terms and conditions must refer to the terms and conditions set by American Express as the Organizer. In the event of a dispute regarding the Offer, the decision of American Express is final and binding on all parties involved.
       
   12. The terms & conditions of participating merchants apply (for example, additional charges during holiday seasons or special days) – please check the details directly with the relevant merchant. 
   13. Other terms and conditions related to cards and/or products and/or services from Bank Danamon, as long as not stipulated differently in the General Terms and Conditions of this Program, remain in effect and binding on Cardholders and form an inseparable unit with the General Terms and Conditions of the Program.
       
   14. The Terms and Conditions of this Program are an inseparable part of the Terms and Conditions of the Danamon American Express Credit Card and Charge Card Membership and the Terms and Conditions of the Membership Rewards Points. These terms and conditions remain in effect unless otherwise stipulated in the Terms and Conditions of this Program.
       
   15. The Cardholder hereby agrees and acknowledges that Bank Danamon has 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 communicated through the available communication media at Bank Danamon. In the event of changes in benefits, risks, costs, terms, and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date of notification of the change made by Bank Danamon through its communication media. The Cardholder agrees that the Cardholder is deemed to have consented to the changes if the Cardholder does not submit an objection within that time frame. If the Cardholder does not agree to the changes, then the Cardholder has the right to withdraw from the Program.
       
   16. The Cardholder declares that there are no and will be no transactions indicated as money laundering and/or any other transactions not permitted under the prevailing laws and regulations in Indonesia. 
       
   17. If there are reports of indications of fraud, deceit, and/or transaction deviations, Bank Danamon has the right to cancel the transaction, cancel the participation in the Program, and/or grant rewards to the relevant Cardholder. 
       
   18. The Cardholder can submit complaints regarding banking products/services either verbally or in writing through the nearest Bank Danamon branch, Hello Danamon at 1-500-090, or The Platinum Card Service (021 3435 8889), or via email at hellodanamon@danamon.co.id. 
       
   19. The procedures for complaint services can be accessed through the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah. 
       
   20. The General Terms and Conditions of this program have been adjusted in accordance with applicable laws and regulations, including the regulations of the Financial Services Authority. 
       
   21. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia. 

General Terms and Conditions of the Save 15% at Bloomingdale's Program for Danamon American Express Charge Card ("General Program Terms and Conditions") are the terms and conditions applicable to customers participating in the Save 15% Program at Bloomingdale's for Danamon American Express Charge Cards ("Program") organized by American Express Indonesia.

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 Period is from 1 January 2026 to 31 January 2027 (the "Program Period").

2. Participant Criteria
   1. This program is valid for Bank Danamon individual customers who have a Danamon Platinum Card®, Danamon American Express® Gold Card, Danamon American Express Green Charge Card, Danamon American Express® Credit Card ("Card").
   2. The Cardholder's American Express Danamon Card must be active, not in arrears, and the card condition is unblocked.
3. Program Terms and Conditions
   1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the 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 solely responsible for all risks of losses, claims, lawsuits, and/or claims in connection with the Program Participant's participation and/or cancellation of participation in this Program.
   4. The program is valid under the following conditions:
      1. Offline purchases through bloomingdale's stores
         1. Save 15% by presenting your Danamon American Express Card and Indonesian passport to get coupons at participating bloomingdales' branches.
         2. Program Participants are required to pick up the coupon in advance at the redemption location at participating bloomingdale's stores.
         3. This offer is not valid for online transactions on bloomingdales.com.
         4. This offer is non-transferable and cannot be combined with any other promo or promotional code.
         5. This offer is only valid during the transaction and cannot be used for purchases that have been made before.
         6. This offer cannot be redeemed for cash or store credit.
         7. The redemption of the 15% savings coupon can only be made at loomingdale's branches listed on Bloomingdale's | American Express Indonesia (not applicable to certain brands, products, and rental departments as listed in the exclusion list).
      2. The execution and fulfillment of this offer is entirely the responsibility of bloomingdale's.
      3. bloomingdale's reserves the right to change or terminate this offer without prior notice.
      4. All offer redemptions are subject to an inspection and verification process by bloomingdale's.
      5. Bank Danamon's decisions related to the Program, including but not limited to the receipt of the Prospective Cardholder's personal data for the purpose of the decision to award prizes are final and cannot be challenged against all Cardholders participating in the Program, both Cardholders and Prospective Cardholders.
      6. Other terms and conditions related to the card and the products and/or services of Bank Danamon, as long as they are not regulated differently in the General Terms and Conditions of this Program are declared to remain valid and binding on the Cardholder and become an integral part of the General Terms and Conditions of the Program.
      7. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership as well as the General Terms and Conditions of Rewards Point Membership. These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
      8. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to correct/amend/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 Bank Danamon. In the event that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the date of notification of the change made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that the Cardholder is deemed to have agreed to such changes in the event that the Cardholder does not raise any objections within such timeframe. If the Cardholder does not agree to the change, the Cardholder has the right to cancel the Program membership by first completing all of the Cardholder's obligations to Bank Danamon (if any).
      9. The Cardholder declares that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed under the applicable laws and regulations in Indonesia.
      10. If there is a report of any indication of misconduct, fraud and/or transaction irregularities, Bank Danamon has the right to cancel the transaction, cancel the Program participation, or give prizes to the Cardholder concerned.
4. Complaints from Program Participants
   1. Program Participants can submit complaints about banking products/services orally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   2. Procedures regarding complaint services can be accessed through https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Conditions
   1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk and the General Terms and Conditions of Bank Danamon Credit Card Membership, General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   2. The Program Participant hereby agrees and acknowledges that the Bank reserves the right to correct/amend/complete 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 that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Program Participant has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the time the notification of the change is made by the Bank through the Bank's communication media. The Program Participant agrees that the Program Participant is deemed to have agreed to such changes in the event that the Program Participant does not raise any objections within such time frame. If the Program Participant does not agree to the change, then the Program Participant has the right to cancel the Program participation by first settling all Program Participant's obligations to the Bank (if any).
   3. Program Participants declare that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed based on the applicable laws and regulations in Indonesia.
   4. If there are indications of misconduct, fraud, abuse, transaction irregularities, improper transactions, money laundering and/or actions that are not in accordance with 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, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants are still obliged to pay off all their obligations to the Bank (if any).
   5. If irregularities are found related to this Program or if it is felt that fraud has occurred, Program Participants are advised to immediately inform Hello Danamon.
   6. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
   7. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a guarantee participant of the Deposit Insurance Corporation.

General Terms and Conditions of the Complimentary Premium Subscription Program in PressReader for Danamon American Express Charge Card ("General Terms and Conditions of the Program") are the terms and conditions applicable to customers who participate in the Complimentary Premium Subscription Program in PressReader for Danamon American Express Charge Cards ("Program") organized by American Express Indonesia.

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 Period is from 1 January 2026 until 31 July 2026 (“Program Period”).

2. Participant Criteria
   1. This program is valid for Bank Danamon individual customers who have a Danamon Platinum Card®, Danamon American Express® Gold Card, Danamon American Express Green Charge Card, Danamon American Express® Credit Card (“Card”).
   2. The Cardholder's American Express Danamon Card must be active, not in arrears, and the card condition is unblocked.
3. Program Terms and Conditions
   1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
   2. The Bank reserves the right to refuse or cancel the 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 solely responsible for all risks of losses, claims, lawsuits, and/or claims in connection with the Program Participant's participation and/or cancellation of participation in this Program.
   4. The program is valid under the following conditions:
      1. The complimentary trial subscription on PressReader is valid for 7 (seven) days from the date of registration.
      2. After 7 days of trial ends, Save up to 20% (twenty percent) and customers will be charged USD 23.99 per month which will be charged directly to their Danamon American Express card during the program period.
      3. Further, if renewed, Program Participants will be charged the applicable normal PressReader rate (currently USD 29.99 per month, excluding tax), unless canceled.
      4. The Cardholder is responsible for canceling the PressReader subscription if they do not wish to be charged an auto-renewal fee.
      5. Cancellation of a subscription can be done at any time by contacting the PressReader support team via email care@pressreader.com.
      6. This offer is limited to 1 (one) subscription per Card, and is only valid for subscriptions created via the link listed above.
      7. If Program Participant already has a PressReader subscription, the existing subscription must be first canceled before the Program Participant can redeem this offer.
      8. To register, visit the URL PressReader | American Express Indonesia.
   5. The fulfillment of this offer is entirely the responsibility of PressReader.
   6. Any information Program Participant provide to PressReader will be subject to PressReader's Privacy Policy and Terms & Conditions.
   7. Offers, prices, conditions, and benefits are subject to change at any time without prior notice.
   8. Bank Danamon's decisions related to the Program, including but not limited to the receipt of the Prospective Cardholder's personal data for the purpose of the decision to award prizes are final and cannot be challenged against all Cardholders participating in the Program, both Cardholders and Prospective Cardholders.
   9. Other terms and conditions related to the card and the products and/or services of Bank Danamon, as long as they are not regulated differently in the General Terms and Conditions of this Program are declared to remain valid and binding on the Cardholder and become an integral part of the General Terms and Conditions of the Program.
   10. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership as well as the General Terms and Conditions of Rewards Point Membership. These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   11. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to correct/amend/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 Bank Danamon. In the event that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the date of notification of the change made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that the Cardholder is deemed to have agreed to such changes in the event that the Cardholder does not raise any objections within such timeframe. If the Cardholder does not agree to the change, the Cardholder has the right to cancel the Program membership by first completing all of the Cardholder's obligations to Bank Danamon (if any).
   12. The Cardholder declares that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed under the applicable laws and regulations in Indonesia.
   13. If there is a report of any indication of misconduct, fraud and/or transaction irregularities, Bank Danamon has the right to cancel the transaction, cancel the Program participation, or give prizes to the Cardholder concerned.
4. Complaints from Program Participants
   1. Program Participants can submit complaints about banking products/services orally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   2. Procedures regarding complaint services can be accessed through https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Conditions
   1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk and the General Terms and Conditions of Bank Danamon Credit Card Membership, General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   2. The Program Participant hereby agrees and acknowledges that the Bank reserves the right to correct/amend/complete 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 that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Program Participant has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the time the notification of the change is made by the Bank through the Bank's communication media. The Program Participant agrees that the Program Participant is deemed to have agreed to such changes in the event that the Program Participant does not raise any objections within such time frame. If the Program Participant does not agree to the change, then the Program Participant has the right to cancel the Program participation by first settling all Program Participant's obligations to the Bank (if any).
   3. Program Participants declare that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed based on the applicable laws and regulations in Indonesia.
   4. If there are indications of misconduct, fraud, abuse, transaction irregularities, improper transactions, money laundering and/or actions that are not in accordance with 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, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants are still obliged to pay off all their obligations to the Bank (if any).
   5. If irregularities are found related to this Program or if it is felt that fraud has occurred, Program Participants are advised to immediately inform Hello Danamon.
   6. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
   7. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a guarantee participant of the Deposit Insurance Corporation.

General Terms and Conditions of the Save 10% on Car Rental with Rentalcars.com Program for Danamon American Express Gold Charge Card ("General Program Terms and Conditions") are the terms and conditions applicable to customers who participate in the Save 10% On Car Rental with Rentalcars.com Program for Danamon American Express Gold Charge Cards ("Program") organized by American Express Indonesia.

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 Period is from 1 January 2026 until 31 December 2026 (the "Program Period").

2. Participant Criteria
   1. This program is valid for Bank Danamon individual customers who have a Danamon Platinum Card®, Danamon American Express® Gold Card, Danamon American Express Green Charge Card, Danamon American Express® Credit Card ("Card").
   2. The Cardholder's American Express Danamon Card must be active, not in arrears, and the card condition is unblocked.
3. Program Terms and Conditions
   1. Program Participants are required to read and understand the General Terms and Conditions of the Program
   2. The Bank reserves the right to refuse or cancel the 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 solely responsible for all risks of losses, claims, lawsuits, and/or other liabilities in connection in connection with the Program Participant's participation and/or cancellation of participation in this Program.
   4. The Program is valid under the following conditions:
      1. Save 10% on car rental prices only, excluding taxes and additional fees such as child seats, full coverage, additional drivers, insurance, GPS, and other costs.
      2. To redeem this offer, Program Participants are required to book an eligible car rental via the special link provided and enter the promo code PROMOAMEX10 on the payment page.
      3. The promo will be applied automatically to the eligible fee.
      4. Car renters must be at least 21 years old. Drivers under the age of 25 may be charged a Young Driver Fee.
      5. This offer cannot be combined with other promotions and does not apply to previous bookings.
      6. Offers cannot be exchanged for cash, cannot be used for credit payments, and the remaining value of the promo cannot be cashed.
      7. Maximum limit of 1 (one) offer per eligible Card, for each eligible booking.
      8. For more information, visit Rentalcars.com | American Express Indonesia.
   5. Fulfillment of this offer is entirely the responsibility of Rentalcars.com.
   6. Any information provided to Rentalcars.com will be subject to the Privacy Policy and Rentalcars.com Terms & Conditions.
   7. Bank Danamon's decisions related to the Program, including but not limited to the receipt of the Prospective Cardholder's personal data for the purpose of the decision to award prizes are final and cannot be challenged against all Cardholders participating in the Program, both Cardholders and Prospective Cardholders.
   8. Other terms and conditions related to the card and the products and/or services of Bank Danamon, as long as they are not regulated differently in the General Terms and Conditions of this Program are declared to remain valid and binding on the Cardholder and become an integral part of the General Terms and Conditions of the Program.
   9. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership as well as the General Terms and Conditions of Rewards Point Membership. These terms and conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   10. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to correct/amend/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 Bank Danamon. In the event that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the date of notification of the change made by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that the Cardholder is deemed to have agreed to such changes in the event that the Cardholder does not raise any objections within such timeframe. If the Cardholder does not agree to the change, the Cardholder has the right to cancel the Program membership by first completing all of the Cardholder's obligations to Bank Danamon (if any).
   11. The Cardholder declares that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed under the applicable laws and regulations in Indonesia.
   12. If there is a report of any indication of misconduct, fraud and/or transaction irregularities, Bank Danamon has the right to cancel the transaction, cancel the Program participation, or give prizes to the Cardholder concerned.
4. Complaints from Program Participants
   1. Program Participants can submit complaints about banking products/services orally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   2. Procedures regarding complaint services can be accessed through https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
5. Other Conditions
   1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of Banking Accounts and Services of PT Bank Danamon Indonesia Tbk and the General Terms and Conditions of Bank Danamon Credit Card Membership, General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, These Terms and Conditions remain valid as long as they are not otherwise regulated in the General Terms and Conditions of this Program.
   2. The Program Participant hereby agrees and acknowledges that the Bank reserves the right to correct/amend/complete 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 that there is a change in benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Program Participant has the right to submit his objection in writing to Bank Danamon within 30 (thirty) working days from the time the notification of the change is made by the Bank through the Bank's communication media. The Program Participant agrees that the Program Participant is deemed to have agreed to such changes in the event that the Program Participant does not raise any objections within such time frame. If the Program Participant does not agree to the change, then the Program Participant has the right to cancel the Program participation by first settling all Program Participant's obligations to the Bank (if any).
   3. Program Participants declare that there are no and will not be transactions that indicate money laundering and/or other transactions that are not allowed based on the applicable laws and regulations in Indonesia.
   4. If there are indications of misconduct, fraud, abuse, transaction irregularities, improper transactions, money laundering and/or actions that are not in accordance with 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, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants are still obliged to pay off all their obligations to the Bank (if any).
   5. If irregularities are found related to this Program or if it is felt that fraud has occurred, Program Participants are advised to immediately inform Hello Danamon.
   6. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
   7. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a guarantee participant of the Deposit Insurance Corporation.

General Terms and Conditions of The Hotel Collection Program
The General Terms and Conditions of The Hotel Collection Program for Danamon American Express Gold Charge Cardholders (“General Terms and Conditions”) set forth the rules and requirements for customers participating in The Hotel Collection Program for Danamon American Express Gold Charge Cardholders (“Program”), organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating in the Program, customers agree to abide by all provisions outlined in these General Terms and Conditions: 

1. Program Period

   The Program is valid from January 1, 2026, to December 31, 2026 (“Program Period”). 

2. Eligibility Criteria
   1. The Program is open to individual Bank Danamon customers who are holders of a Danamon American Express Gold Charge Card with BIN 3755394 or 3755391 (“Cardholders”).
   2. Cardholders’ Danamon American Express Gold Charge Cards must be active, without overdue payments, and unblocked. 
3. Program Terms and Conditions
   1. Participants must read and understand the General Terms and Conditions before joining the Program.
      
   2. The Bank reserves the right to reject or revoke a participant's enrollment if they fail to meet the Program’s General Terms and Conditions.
      
   3. Participants are solely responsible for any risks, losses, claims, lawsuits, or demands arising from their participation in or withdrawal from the Program.
      
   4. The Program benefits include:
      
      1. A complimentary room upgrade and USD 100 hotel credit when booking accommodations through The Hotel Collection.
      2. Bookings must be made by contacting the Gold Concierge Service at 1-500-090. 
   5. For further details, please visit https://experiences.global/id/travel/finehotels.
      
   6. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
      
   7. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
      
   8. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
      
   9. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
      
   10. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
       
   11. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
       
   12. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
       
   13. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
       
   14. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
       
   15. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia. 

General Terms and Conditions of the Car Rental Program at Sixt and Hertz
The General Terms and Conditions of the Car Rental Program at Sixt and Hertz for Danamon American Express Gold Charge Cardholders (“General Terms and Conditions”) are the rules and provisions that apply to customers participating in the Car Rental Program at Sixt and Hertz for Danamon American Express Gold Charge Cardholders (“Program”), organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating in the Program, customers agree to abide by all provisions set forth in these General Terms and Conditions: 

1. Program Period

   The Program is valid from January 1, 2026, to December 31, 2026 (“Program Period”). 

2. Eligibility Criteria
   1. This Program is open to individual Bank Danamon customers who hold a Danamon American Express Gold Charge Card with BIN 3755394 or 3755391 (“Cardholders”).
   2. Cardholders’ Danamon American Express Gold Charge Cards must be active, without overdue payments, and unblocked. 
3. Program Terms and Conditions
   1. Program participants must read and understand the General Terms and Conditions.
      
   2. The Bank reserves the right to reject or cancel participation in this Program if the participant does not meet the General Terms and Conditions.
      
   3. Participants are fully responsible for any risks, losses, claims, lawsuits, or demands arising from their participation in or cancellation of participation in the Program.
      
   4. The Program applies with the following conditions:

      Merchant	Program Description	Information
      Hertz	Complimentary registration for Hertz Gold Plus membership to enjoy: Complimentary additional driver for a partner (spouse) Faster checkout Points redemption for free car rentals or car upgrades Free car upgrade if renting for more than 5 days (terms and conditions apply) Registration can be made via this link: https://www.hertz.com/AmexBenefits/	Hertz | American Express Indonesia
      Sixt	Complimentary Sixt membership registration to enjoy: Save up to 10% on car rental costs Complimentary additional driver for car rentals in the United States (terms and conditions apply) Registration can be made via this link: https://www.sixt.com/services/#/b2bregistration?b2b_token=7bd558d5-f063-2ce1-8847-bad779587cf0	https://experiences.global/id/travel/sixt

   5. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
      
   6. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
      
   7. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
      
   8. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
      
   9. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
      
   10. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
       
   11. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
       
   12. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
       
   13. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
       
   14. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia.