0% Installment up to 18 Months at SAVA Beauty & Wellness

The Company will provide a special benefit in the form of a 0% (zero percent) installment program to Bank customers who own and make transactions using a Card (“Cardholders”) and conduct transactions at the Company (“Program”).

The program applies to Danamon Credit Card holders bearing the JCB, Visa, Mastercard, and American Express logos, including American Express Credit and Charge Cards, except for corporate (business) cards (“Cards”).

A 0% (zero percent) installment program is available for purchases made at the Company using Danamon Credit and Charge Cards, with tenors of 3 (three) months, 6 (six) months, 12 (twelve) months, and 18 months.

The program applies to transactions at all Sava Beauty and Wellness outlets. For a list of branches click here.

The Program shall be conducted during the period commencing on 1 September 2025 until 31 July 2027 (“Period of Program”).

1. Cardholders are required to read and understand the General Terms and Conditions of the Program.
2. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Program if the Cardholder does not comply with the General Terms and Conditions of the Program.
3. Cardholders are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Cardholder's participation and/or cancellation of participation in this Program.
4. The 0% (zero percent) installment program applies to tenors and minimum transactions with the following details:

   Merchant Name	Tenor	Minimum Transaction (IDR)
   SAVA Beauty and Wellness	3 months	1,000,000
   	6 months	3,000,000
   	12 months	5,000,000
   	18 months	8,000,000

5. The program applies to both primary and supplementary cards.
6. Each transaction converted into installments will be subject to an administration fee of IDR 15,000.00 (fifteen thousand Rupiah). However, effective 1 October 2024, the installment administration fee will change to IDR 25,000.00 (twenty-five thousand Rupiah).
7. Any transaction converted into installments will not earn D-Points or Membership Rewards Points;
8. The process of applying for conversion into installments is done directly when transacting at the outlet and has never been submitted through other channels (e.g. SMS, email);
9. This program cannot be combined with other programs and/or promotions.
10. 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. The 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. 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.
   
5. 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).
   
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
   
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, Cardholders is advised to promptly report such matters through Hello Danamon.
   
8. 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.
   
9. 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).
   
10. 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).