Enjoy More Value on Your Transactions in Japan with JPY 1,000 Cashback

This program is valid from 1 February 2026 to 30 April 2026 ("Program Period").

This program is only open to participants who meet the following criteria ("Program Participants"):

1. This program is only valid for customers who make retail transactions with Danamon Visa Platinum, Visa Infinite, and Visa Grab credit cards.

1. Program participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to refuse or cancel the participation of Program participants if they do not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the participation and/or cancellation of Program Participants in this Program.
4. Program Participants are required to make offline retail purchases in Japan ("Transactions") using physical Danamon Visa Platinum, Visa Infinite, and Visa Grab Credit Cards ("Cards"), with the following conditions:
   1. Program participants must make a minimum of 5 offline retail transactions of at least JPY 1,000 per transaction in Japan during the Program Period.
      The following are examples of transactions that do and do not meet the program requirements:

      Transaction Date	Transaction Amount (JPY)	Rewards (JPY)	Description
      3/2/2026	999	0	Uncountable, transaction amount less than JPY 1,000
      10/2/2026	1,200	0	Eligible purchase #1, reward not yet given
      15/2/2026	850	0	Uncountable, transaction amount less than JPY 1,000
      9/3/2026	3,200	0	Eligible purchase #2, reward not yet give
      16/3/2026	1,000	0	Eligible purchase #3, reward not yet given
      2/4/2026	2,500	0	Eligible purchase #4, reward not yet given
      28/4/2026	5,000	1,000	Eligible purchase #5, reward fulfilled

   2. Eligible transactions are those that have been posted within the program period, where the posting of transactions occurs a maximum of 14 days after the transaction date. If the transaction posting date is more than 14 days, the transaction is not eligible for cashback. Here is an illustration:
      1. The transaction was conducted on 29 April 2026 and posted on 5 May 2026, therefore it is eligible.
      2. The transaction was conducted on 29 April 2026 and posted on 20 May 2026, therefore it is not eligible.
5. Program participants, both primary cardholders and additional cardholders for each card type (Visa Platinum, Visa Infinite, and Visa Grab) who make Transactions, are eligible to receive Rewards as long as they meet the General Terms and Conditions of the Program.
6. Program participants are only entitled to receive 1 (one) Reward during the Program Period.
7. The reward quota applies to the first 1,000 (one thousand) Program Participants during the Program Period. If the reward quota has been met, Program Participants agree that they will not receive any rewards, even if the Program Period has not ended.
8. The Program cannot be combined with other programs and/or promotions.
9. The Program does not apply to online transactions and CNP (card non-present) transactions.
10. By transacting in accordance with the General Terms and Conditions of the Program, Program Participants are 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 Program Participants constitute valid proof of the Program Participants' participation in the Program and the Program Participants' agreement to be subject to the General Terms and Conditions of the Program.

1. Participants in the Program who have met the General Terms and Conditions of the Program are entitled to receive a cashback of JPY 1,000 ("Reward").
   
2. The Reward will only be given to Program Participants if their Card is active, not blocked, and has no outstanding balance.
   
3. The Reward will be credited directly by Visa and distributed to eligible Program Participants through VLPS (Visa Loyalty Platform Service).
   
4. The Reward will be converted to Rupiah using the exchange rate applicable on the cashback ("Reward") posting date.
   
5. The Reward will be awarded no later than 14 (fourteen) working days after the Program Participant's transaction has met the program requirements.
   
6. If the Program Participant cancels one of the transactions during the Program Period, causing the Program Participant to no longer meet the General Terms and Conditions of the Program, the Program Participant understands and agrees that the Program Participant will not receive the Reward.
   

1. Program Participants will not receive Rewards if they do not meet the General Terms and Conditions of the Program, including in the event that the Reward Quota has been exhausted even though the Program Period has not ended.
   
2. The exchange rate used for shopping transactions and the exchange rate used to convert cashback (Rewards) to Rupiah may differ, so the value of Rupiah received as cashback (Rewards) may differ from the value of Rupiah at the time of the transaction.
   

1. Program participants may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id
2. The complaint service procedure can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. General Terms and Conditions This program is an integral part of the General Terms and Conditions of Danamon Credit Card Membership and other terms and conditions related to banking products and/or services. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
   
2. Program Participants hereby agree and acknowledge that the Bank reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time by giving notice through the communication media available at the Bank. In the event of changes to benefits, risks, costs, terms and conditions based on these General Terms and Conditions of the Program, as well as other changes, Program Participants have the right to submit their objections in writing to the Bank within 30 (thirty) working days from the date of notification of such changes by the Bank through the Bank's communication media. Program Participants agree that Program Participants are deemed to have agreed to the notified changes if they do not submit an objection within that period. If Program Participants do not agree to the changes, they have the right to cancel their participation in the Program by first settling all of their obligations to the Bank (if any).
   
3. The products, services and/or benefits provided by Visa are the responsibility of Visa, and are not the products and responsibility of the Bank. If there are any problems and/or complaints regarding these products, services and/or benefits, Bank Danamon will forward the Program Participant's problems and/or complaints to Visa.
   
4. Program Participants declare that they are not currently and will not engage in transactions that indicate money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
   
5. If there are indications of fraud, cheating, abuse, transaction irregularities, unusual transactions, money laundering and/or actions that are not in accordance with laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of Bank products/services, cancel participation in the Program, or cancel the provision of Program benefits to the Program Participant concerned. Program Participants remain obligated to settle all their obligations to the Bank (if any).
   
6. If any provision in these General Terms and Conditions of the Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of the other provisions in these General Terms and Conditions of the Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in these General Terms and Conditions of the Program.
   
7. If any irregularities related to this Program are found or if fraud is suspected, Program Participants are advised to immediately report it through Hello Danamon.
   
8. The Terms and Conditions of this Program are written in Indonesian and English. In the event of any differences in provisions or interpretations between the Indonesian and English versions, the Indonesian version shall prevail.
   
9. The titles and terms used in the General Terms and Conditions of this Program are solely intended to facilitate understanding of the contents of the General Terms and Conditions of this Program.
   
10. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority.
    
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation.
    

Program participants must be cautious of fraud committed by individuals acting on behalf of the Bank by promising prizes of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the Bank or the Program are beyond the Bank's authority.