0% Installment up to 12 Months at Hartono

Purchases made at all Hartono outlets listed in the following link: Click here (“Hartono Outlets”).

1. The Program is valid for Cardholders who possess Bank Danamon Credit Cards and Charge Cards with Visa, Mastercard, JCB, and American Express logos, excluding corporate cards ("Cards").
2. Cardholders are required to read, understand, and agree to the General Terms and Conditions of the Program.
3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Program if the Cardholder fails to meet the General Terms and Conditions.
4. The Cardholder is fully responsible for any risks, losses, claims, or legal demands related to their participation in or cancellation of this Program.
5. The Program is valid under the following conditions:
1. The installment program applies with the following details:

   Tenor	Minimum Transaction (IDR)
   3 Months	1,000,000.00
   6 Months	1,000,000.00
   12 Months	1,000,000.00

2. Bank Danamon will charge an administration fee of IDR 25,000.00 (twenty-five thousand rupiah) for each transaction converted into installments by the Cardholder. Merchant partners are not involved in any additional fees. The fees charged can be viewed at bdi.co.id/tarifdanbiaya.
3. Any transaction converted into an installment plan will not earn D-Points or Membership Rewards Points; and
4. The conversion process into an installment plan is done directly during the online transaction and has not been previously requested through other channels (e.g., SMS, email, etc.);
6. By making a transaction in accordance with the General Terms and Conditions, the Cardholder is deemed to have read, understood, and agreed to participate in the Program. The transaction serves as valid evidence of the Cardholder’s participation and agreement to the Program’s terms.

1. Program participants can submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch office, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
2. Procedures for complaint services can be accessed via the website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. Products and/or services from merchant partners are solely the responsibility of the merchant partner and not of Bank Danamon. For any issues or complaints regarding products, services, or the Program, Cardholders are advised to contact the relevant merchant partner directly.
2. Cardholders affirm that their transactions comply with applicable Indonesian laws and regulations and are not indicative of money laundering or other prohibited activities.
3. Bank Danamon reserves the right to:

• Cancel transactions, terminate Card usage, or revoke participation in the Program if there are indications of fraud, unusual transactions, money laundering, or any other actions violating applicable laws.
• Require Cardholders to fulfill any outstanding obligations to Bank Danamon.

4. Terms and conditions related to other banking products or services remain valid and binding unless explicitly stated otherwise in this Program’s terms.
5. These Program Terms and Conditions are an integral part of the: General Terms and Conditions of PT Bank Danamon Indonesia Tbk Banking Accounts and Services, General Terms and Conditions of Debit Cards/ATM Danamon, General Terms and Conditions of Danamon Credit Card Membership, and General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership.”
6. Bank Danamon reserves the right to revise, amend, or supplement the Program’s terms. Any updates will be communicated through official Bank Danamon channels. Cardholders may object in writing within 30 (thirty) working days of receiving such updates. If no objection is received within this period, the changes will be deemed accepted.
7. 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 guarantee.
8. These terms comply with all relevant laws and regulations, including those stipulated by the Financial Services Authority.

Cardholders should be cautious of fraudulent activities by individuals claiming to represent Bank Danamon and offering rewards in connection with the Program. Any fraudulent or criminal acts by third parties are beyond the control of Bank Danamon.