0% Installment up to 12 Months at Kimfook Jewelry

The Program shall be conducted during the period commencing on 1 October 2025 until 30 September 2027 (“Period of Program”).

• Jakarta: Jl. Cipaku II No.8, Petogogan, Kec. Kby. Baru, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12170

• Surabaya: Jl. Raya Jemursari No.25, Jemur Wonosari, Kec. Wonocolo, Surabaya, Jawa Timur 60237

1. The program applies to Cardholders as follows: Danamon Credit Cards and Charge Cards bearing the JCB, Visa, Mastercard, and American Express logos, but excluding corporate cards ("Cards").
2. Cardholders are required to read and understand the General Terms and Conditions of the Program.
3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Programme if the Cardholder does not meet the General Terms and Conditions of the 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 details of the terms and conditions of this Program are as follows:
   • The programme consists of 0% (zero percent) installments with a tenor of 3 (three) months, 6 (six) months, and 12 (twelve) months, applicable at Kimfook Jewelry with a minimum transaction of IDR 1,000,000.00 (one million Rupiah).

     Merchant Name	Tenor	Minimum Transaction (IDR)
     Kimfook Jewelry	3 months	1,000,000
     	6 months	1,000,000
     	12 months	1,000,000

   • Each transaction converted into installments will be subject to an administration fee of Rp25,000.00 (twenty-five thousand Rupiah);
   • The program applies to primary cards and supplementary cards; 
   • The program is valid every day, including national holidays.
   • Any transaction converted into installments will not earn D-Points or Membership Rewards Points.
   • The process of applying for conversion into installments is done directly when transacting in person at the Kimfook Jewelry outlet/store (offline store) below and has not been submitted through other communication channels (e.g. SMS, email).
   • The program can be combined with other programs and/or promotions.
   • Valid at all Kimfook Jewelry outlets/stores.
6. The Cardholder hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time.
7. 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 subject to 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 subject to the General Terms and Conditions of the Program.

1. Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through the Bank’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
   
2. The procedures for the customer complaint service may be found on the official website of the Bank at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. The products, services, and/or benefits provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of the Bank. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
   
2. Cardholders represents and warrants that the Cardholders is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
   
3. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, revoke the Cardholders participation in the Program, and/or cancel the provision of Program benefits to the relevant Program Participant. Cardholders shall remain obligated to fulfill all outstanding obligations to the Bank, if any.
   
4. Other terms and conditions related to banking products and/or services, as long as they are not regulated differently in these General Terms and Conditions, shall remain valid and binding for the Cardholders and form an integral part of the General Terms and Conditions of the Program.
   
5. These Program General Terms and Conditions is an inseparable part of The General Terms and Conditions of Membership for Danamon Bank Cards, the General Terms and Conditions of Membership for Danamon American Express Credit Cards and Charge Cards, and the General Terms and Conditions of Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
   
6. Cardholders agrees and acknowledges that the Bank reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through the Bank’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholders has the right to submit a written objection to the Bank within 30 (thirty) Business Days from the date of such notification by the Bank via its available communication channels. Cardholders agrees that if no objection is submitted within the specified period, the Cardholders shall be deemed to have accepted the changes. If the Cardholders does not agree with the changes, the Cardholders has the right to discontinue Program participation by first completing all obligations to the Bank (if any).
   
7. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
   
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).
   
9. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
   

Cardholders must exercise due caution against fraudulent activities perpetrated by individuals or entities falsely claiming to represent the Bank and offering rewards in any form. The Bank shall not be held liable for any acts of fraud or other criminal conduct committed by third parties in connection with or under the pretense of association with the Bank or this Program.