ARIGATO - Cashback 10% Offline Merchant Transaction in Japan

The Program will be conducted during the period from 1st February, 2026 to 30th April, 2026 (“Program Period”).

This Program is only open to Program Participants who meet the following criteria:

1. Customers of PT Bank Danamon Indonesia Tbk (“Bank”) who own Danamon JCB Precious credit card and register for this Program (“Program Participant”).

1. Program Participants are required to read and understand the General Terms and Conditions of the Program.
2. The Bank reserves the right to reject or cancel any Program Participant’s participation in this Program if the Program Participant does not meet the General Terms and Conditions of the Program.
3. Program Participants are fully responsible for any risks, losses, claims, lawsuits, and/or demands related to their participation and/or cancellation of participation in this Program.
4. Program applies to Program Participants who own and transact using Danamon JCB Precious Credit Card (“Card”).
5. Program applies to all offline merchant transactions in Japan.
6. Program requires a minimum accumulated transaction of JPY 100,000 (one hundred thousand yen) during the Program Period.
7. Program awards a cashback up to 10% (ten percent), with a maximum cashback of JPY 10,000 (ten thousand yen) (“Reward”).
8. Participants are required to register for the Program before making a purchase latest by 30th April, 2026 through JCB Website.
9. Registration is available for the first 200,000 (two hundred thousand) JCB cardholders.
10. Program cannot be combined with other programs and/or promotions.
11. Program Participants must use Card for payment.
12. Program Participants must inform staff and show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
13. Klik di sini to view the JCB Special Offers promo page and more information.
14. By making a transaction in accordance with the General Terms and Conditions of the Program during the Program Period, the Program Participant is deemed to have read, understood, and agreed to participate in the Program and to comply with the General Terms and Conditions of the Program. The transaction made by the Program Participant serves as valid proof of participation in the Program and the Program Participant’s agreement to be bound by the General Terms and Conditions of the Program.

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

1. These General Program Terms and Conditions are an integral part of the General Terms and Conditions of the Account and Banking Services of PT Bank Danamon Indonesia Tbk and the General Terms and Conditions of Danamon Credit Card Membership. Those terms and conditions remain in effect as long as they are not regulated otherwise in these General Program Terms and Conditions.
2. Products, services, and/or benefits provided JCB are solely the responsibility of JCB and are not products nor the responsibility of the Bank. For any issues or complaints related to such products, services, and/or benefits, please contact JCB directly.
3. Program Participants hereby agree and acknowledge that the Bank reserves the right to revise, amend, or supplement the General Terms and Conditions of the Program from time to time. All changes or updates will be communicated through the Bank’s available communication channels. If such changes involve modifications to benefits, risks, fees, or other conditions, Program Participants have the right to submit written objections to Bank Danamon within thirty (30) business days from the notification date. If no objection is submitted within that timeframe, the Program Participant is deemed to have agreed to the changes. If the Program Participant disagrees, they may cancel their Program enrollment after fulfilling any outstanding obligations to the Bank (if any).
4. Program Participants state that there are no, and will be no, transactions that indicate money laundering or other activities prohibited under prevailing laws and regulations in Indonesia.
5. If there are indications of fraud, misuse, irregular or suspicious transactions, money laundering, or violations of applicable laws, the Bank has the right to cancel transactions, terminate use of Bank products/services, revoke Program participation, and withdraw Program benefits from the affected Program Participant. The Program Participant must still fulfill any outstanding obligations to the Bank (if any).
6. In case of any irregularities related to the Program or if fraud is suspected, the Program Participant is advised to immediately report such concerns to Hello Danamon.
7. The General Terms and Conditions of the Program has been adjusted to comply with applicable laws and regulations, including provisions issued by the Financial Services Authority (OJK).
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia, and is a member of the Indonesia Deposit Insurance Corporation (LPS) guarantee program.

Program Participants must exercise caution against fraud committed by individuals claiming to represent the Bank and promising rewards of any kind. Any fraudulent activity or other criminal acts carried out by third parties in connection with or claiming affiliation with the Program are beyond the authority and responsibility of the Bank.