0% Installment up to 12 Months at ZAP

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

For the list of participating outlets, click ZAP and ZAP Premiere.

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 Program is valid under the following conditions:
   1. The 0% (zero percent) installment program applies to tenors and minimum transactions with the following details:

      Merchant Name	Tenor	Minimum Transaction (IDR)
      ZAP	3 (three) months	1,000,000 (One Million Rupiah)
      	6 (six) months	500,000 (Five Hundred Thousand Rupiah)
      	12 (twelve) months	500,000 (Five Hundred Thousand Rupiah)

   2. Each transaction converted into installments will incur an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder. [If the installments are cancelled by the Cardholder, the administration fee will not be refunded to the Cardholder];
   3. Every transaction converted into installments will not earn D-Points or Membership Rewards Points;
   4. The process of applying for conversion into installments can be done directly when making a transaction at all ZAP outlets; and
   5. The program is valid if the installments have not been submitted to Bank Danamon through other channels (e.g. SMS, email, etc.);
   6. The program is valid every day, including national holidays, during the program period.
   7. The program applies to both primary and supplementary cards, and this program cannot be combined with other programs and/or promotions.
5. By making 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 made 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 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 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. The Cardholder represents and warrants that the Program Participant 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 Credit Cards, The General Terms and Conditions of Membership for Danamon American Express Credit Cards and Charge Cards, and the, 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. The Cardholder 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 Cardholder 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. The Cardholder agrees that if no objection is submitted within the specified period, the Cardholder shall be deemed to have accepted the changes. If the Cardholder does not agree with the changes, the Cardholder 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, the Program Participant 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. 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).
10. 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).