0% Installment up to 12 Months at Dukomsel

The Program shall be conducted during the period commencing on 1 October 2025 until 30 October 2026 (“Period of Program”).

The program is available at the Dukomsel outlet located at:

1. Miko Mall, Dukomsel 1st Floor, Jalan Raya Kopo No.599, Cirangrang, Babakan Ciparay, Kota Bandung, Babakan Ciparay, Jawa

1. The program applies to Cardholders as follows: Bank Danamon Credit and Charge Cards bearing the Visa, Mastercard, JCB, and American Express logos, but excluding corporate Credit Cards (“Card”).
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 is an installment plan with 0% (zero percent) interest applicable for tenors of 3 (three), 6 (six), and 12 (twelve) months ("Installment");
   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 all types of products at Dukomsel;
   4. Each transaction with 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. Transactions using Installments will not earn D-Points or Membership Rewards Points;
   6. Installment conversion requests can be made directly at the time of transaction at Dukomsel; and
   7. The program is valid if the Installment request has not been made to Bank Danamon through other communication media (e.g. SMS, email, etc.).
6. The program is valid every day, including national holidays, during the Program Period.
7. The program is valid for both primary and additional 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 Cardholders' participation in the Program and Cardholders' 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 complaint handling procedure can be accessed via the website: 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. 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 Program Participant participation in the Program, and/or cancel the provision of Program benefits to the relevant Program Participant. The Program Participant 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, 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. 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).

Program Participant 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.