0% Installment up to 12 Months at Grand Focus Fit

The program is implemented during the period from 1 August 2025 to 30 August 2026 (“Program Period”).

1. The program applies to Cardholders as follows: Bank Danamon Credit Cards bearing the Visa, JCB, and American Express logos and Bank Danamon American Express Charge Cards, but does not include corporate Credit Cards and Charge Cards (“Cards").
2. Cardholders are required to read and understand the General Terms and Conditions of this Program.
3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of this Program.
4. Cardholders are 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.
5. The Program is valid with the following details:
   • a. The program is an installment plan with 0% (zero percent) interest applicable for tenors of 3 (three), 6 (six), and 12 (twelve) months ("Installment Conversion").
   • The program applies to a minimum transaction amount of IDR 1,000,000.00 (one million Rupiah).
   • The program applies to all Grand Focus Fit outlets.
   • Each transaction with Installment Conversion will incur an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder.
   • Each transaction with Installment Conversion will not earn D-Points or Membership Rewards Points.
   • Installment Conversion applications can be made when transacting directly (offline) at Grand Focus Fit outlets.
6. The Program is valid every day, including national holidays, during the Program Period.
7. The Program applies to both primary and supplementary Cards.
8. The Program can be combined with other programs and/or promotions.
9. By conducting transactions in accordance with the General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood, and agreed to participate in the Program and to be bound by the General Terms and Conditions of the Program. Transactions conducted by the Cardholder constitute valid proof of the Cardholder's participation in the Program and the Cardholder's agreement to be bound by the General Terms and Conditions of the Program.

1. Cardholders and/or Cardholders representatives may file complaints regarding banking transactions/services either verbally 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. The complaint handling procedure can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. The products, services, and/or benefits of merchant partners are not products of Bank Danamon and are not the responsibility of Bank Danamon, but are entirely the responsibility of the merchant partners. If there are any problems and/or complaints regarding these products, services, and/or benefits, please contact the merchant partner concerned.
   
2. Cardholders declare that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the laws and regulations applicable in Indonesia.
   
3. If there are indications of fraud, cheating, misuse, transaction irregularities, unusual transactions, money laundering, and/or other actions that are not in accordance with the applicable laws and regulations, Bank Danamon reserves the right to cancel the transaction, terminate the use of Bank Danamon products/services, cancel participation in the Program, and/or cancel the benefits of the Program to the Cardholder concerned. The Cardholder remains obligated to settle all outstanding obligations to Bank Danamon (if any).
   
4. 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’, ‘General Terms and Conditions of Danamon Credit Card Membership’ and other terms and conditions related to banking products and/or services. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of this Program, the General Terms and Conditions of this Program shall prevail.
   
5. Cardholders hereby agree and acknowledge that Bank Danamon 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 Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program and other changes, the Cardholder has the right to submit his/her objection in writing to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Cardholder agrees that the Cardholder is deemed to have accepted such changes if the Cardholder does not submit an objection within the aforementioned period. If the Cardholder does not accept such changes, the Cardholder has the right to cancel their participation in the Program by first settling all obligations of the Cardholder to Bank Danamon (if any).
   
6. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be enforced or becomes invalid or void by law due to a government or court decision, this shall not affect the validity of the other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and enforceable as stipulated in the General Terms and Conditions of this Program.
   
7. If any irregularities related to this Program are found or if any fraud is suspected, the Cardholder is advised to immediately inform Hello Danamon.
   
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).
   
9. 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).