0% Installment up to 12 Months at GJ Store

The Program shall be conducted during the period commencing on 15 October 2025 until 30 October 2026 (“Period of Program”).

The program is valid at GJ Store outlets located at:

1. Mall Pekanbaru, Ground Floor, Rintis, Lima Puluh, Pekanbaru City, Riau 28112; and
2. Mall SKA, 2nd Floor, No. 74-75, Pekanbaru City, Riau 28292.

1. The program applies to Cardholders as follows: Bank Danamon Credit Cards bearing the Visa, Mastercard, and JCB logos, but excluding corporate Credit 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 Program 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 Program is valid with the following details:
   1. The program offers installment benefits with 0% (zero percent) interest applicable for tenors of 3 (three), 6 (six), and 12 (twelve) months ("Instalments");
   2. The program applies to a minimum transaction amount of IDR 500,000.00 (five hundred thousand Rupiah) before tax and service charges;
   3. The program applies to purchases of all types of products at GJ Store;
   4. Each transaction converted to Installments will be subject to an administration fee of IDR 25,000.00 (twenty-five thousand Rupiah), which will be borne by the Cardholder;
   5. Each transaction converted to installments will not earn D-Points or Membership Rewards Points;
   6. The application for conversion to installments can be made directly at the time of transaction at GJ Store; and
   7. The program is valid if the application for conversion to installments has not been made to Bank Danamon through other communication media (e.g. SMS, email, etc.).
6. The program is valid every day, including public holidays, during the Program Period.
7. The program is valid for both primary and supplementary cards.
8. The program cannot be combined with other programs and/or promotions.
9. By making transactions in accordance with the General Terms and Conditions of the Program, Cardholders are 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 made by Cardholders constitute valid proof of their participation in the Program and their agreement to be bound by 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/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. 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.
   
5. 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.
   
6. 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.
   
7. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
   
8. 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).
   
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).