Save 5% + 0% Installment up to 12 Months at Jakarta Asia Stemcell Center

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

The program applies to Bank Danamon customers who own and transact with:

1. Bank Danamon Debit Card (Mastercard, Debit GPN)
2. Bank Danamon Credit Card bearing JCB, Visa, Mastercard & American Express logos, as well as Bank Danamon American Express Charge Card (excluding Corporate Credit Cards & Charge Cards) (‘Customers’).

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 Cardholders' participation in this Programme if they do not meet 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 their participation and/or cancellation of participation in this Program.
4. 5% discount for examination packages at Jakarta Clinic Asia Stem Cell Center
5. No minimum or maximum transaction amount
6. Not valid for multiple purchases
7. Valid for primary and supplementary cards
8. The 0% (zero percent) installment program is valid for the following tenors and minimum transaction amounts:

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

9. Each transaction converted into installments will be subject to an administration fee of IDR 15,000 (fifteen thousand rupiah). Effective 1 October 2024, the installment administration fee will increase to IDR 25,000 (twenty-five thousand rupiah).
10. Any transaction converted into installments will not earn D-Points or Membership Rewards Points.
11. 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).
12. This program cannot be combined with other programs and/or promotions.
13. 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.
14. For any early repayment or cancellation of a Program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five per cent) of the remaining principal amount of the Program loan and the interest accrued at that time (if any).

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 Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
   
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).