Cashback 20% up to IDR50,000 at Hang Tuah Kopi & Toastery

The Program General Terms and Conditions Cashback 20% up to IDR 50,000 (fifty thousand Rupiah) every month at Hang Tuah Kopi & Toastery ("Progam General Terms and Conditions") constitute the terms and conditions applicable to Program Participant of Cashback 20% up to IDR 50,000 (fifty thousand Rupiah) every month at Hang Tuah Kopi & Toastery ("Program") organized by PT Bank Danamon Indonesia Tbk ("Bank") in collaboration with merchant partner Hang Tuah Kopi & Toastery.

The Program Participant hereby agrees to and is bound by all provisions set forth in the following Program General Terms and Conditions:

1. Program Period

   The Program shall be conducted during the period commencing on 1 August 2026 until 31 May 2027 ("Period of Program").




2. Criteria for Program Participant

   The program applies to Cardholders as follows: (i) Danamon Debit/ATM Cards bearing the Mastercard & GPN logos and (ii) Danamon Credit Cards bearing the Visa, Mastercard, American Express, & JCB logos including Danamon American Express Charge Cards, but does not apply to Corporate Credit Cards ("Cards").




3. Participating Outlet

   The program is valid at Hang Tuah Kopi & Toastery outlets listed in the following link (click here).




4. Program Terms and Conditions

   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 a Cardholder's participation in this Program if the Cardholder does 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. The Program is subject to the following terms and conditions:
      1. The program offers a 20% (twenty per cent) cashback, with a maximum cashback of IDR 50,000.00 (fifty thousand Rupiah) ("Cashback Reward") for each Cardholder who makes a transaction at participating Hang Tuah Kopi & Toastery outlets.
      2. The program applies to transactions of at least IDR 100,000.00 (one hundred thousand Rupiah) after tax and service charges.
      3. The program applies to transactions for the purchase of food and beverages.
      4. The program is valid every day, including public holidays, during the Program Period.
      5. The program does not apply to multiple transactions or split bills.
      6. The program applies to dine-in and takeaway transactions.
      7. Cardholders are entitled to receive 1 (one) time Cashback Reward per month during the Program Period for each of 1 (one) time type of Danamon Debit Card and 1 (one) time type of Danamon Credit Card or Charge Card.
      8. If a Cardholder makes multiple transactions using the same Card, the Cashback Reward will be awarded for the first transaction of that month. The following is a simulation of the monthly Cashback Reward for Cardholders:

         Number of Cards	Number of Transactions per Month	Cashback Reward Amount
         Cardholder has 2 (two) Cards: 1 (one) Danamon Mastercard Debit Card; and 1 (one) Danamon JCB Precious Credit Card.	1 (one) transaction with the Danamon Mastercard Debit Card; and 1 (one) transaction with the Danamon JCB Precious Credit Card.	1 (one) Cashback Reward for a transaction with the Danamon Mastercard Debit Card; and 1 (one) Cashback Reward for a transaction with the Danamon JCB Precious Credit Card.
         Cardholder has 2 (two) Cards: 1 (one) Danamon Mastercard Debit Card; and 1 (one) Danamon JCB Precious Credit Card.	1 (one) transaction with a Danamon Mastercard Debit Card; and 2 (two) transactions with the Danamon JCB Precious Credit Card.	1 (one) Cashback Reward for a transaction with the Danamon Mastercard Debit Card; and 1 (one) Cashback Reward for transactions made with the Danamon JCB Precious Credit Card, based on the first transaction made during that month.
         Cardholder has 3 (three) cards: 1 (one) Danamon Mastercard Debit Card; 1 (one) Danamon JCB Precious Credit Card; and 1 (one) Danamon American Express Gold Credit Card.	1 (one) transaction with the Danamon Mastercard Debit Card; 1 (one) transaction with the Danamon JCB Precious Credit Card; and 1 (one) transaction with a Danamon American Express Gold Credit Card.	1 (one) Cashback Reward for a transaction with a Danamon Mastercard Debit Card; and 1 (one) Cashback Reward for a transaction with a Danamon Credit Card, based on the first transaction made in that month.
         Cardholder has 4 (four) Cards: 1 (one) Danamon Mastercard Debit Card; 1 (one) Danamon JCB Precious Credit Card; 1 (one) Danamon American Express Gold Credit Card; and 1 (one) Platinum Card® Danamon.	2 (two) transactions with the Danamon Mastercard Debit Card; 2 (two) transactions with a Danamon JCB Precious Credit Card; 2 (two) transactions with a Danamon American Express Gold Credit Card; and 2 (two) transactions with the Platinum Card® Danamon	1 (one) Cashback Reward for transactions made with the Danamon Mastercard Debit Card; and 1 (one) Cashback Reward for transactions made with Danamon Credit Cards and Charge Cards, based on the first transaction made in that month.

      9. The program applies to both primary and supplementary cards.
      10. Specifically for the use of supplementary cards, the Cashback Reward will be credited to the primary card.
      11. The Cashback Reward will be credited as a credit balance to the monthly statement for Danamon Credit Card and Charge Card users, whilst for Danamon Debit Card users, the Cashback Reward will be credited to the account used for transactions under the Program.
      12. The Cashback Reward will be credited by the Bank no later than 60 (sixty) working days in the month following the transaction during the Program Period.
      13. Cashback rewards will only be credited to Danamon Credit and Charge Cards that are in current/active condition (not blocked, not in default), as well as to Danamon Debit Card accounts that are active.
      14. The program does not apply to instalment transactions and/or transactions converted into instalments.
      15. Cashback rewards are non-transferable and/or non-redeemable for cash.
      16. This program cannot be combined with other programs and/or promotions.
   5. Danamon will pay any tax deductions arising (if any) from the receipt of Cashback Rewards to the relevant tax authorities. All matters relating to the calculation and reporting of tax on Cashback Rewards received by Program Participants are the sole responsibility of the Program Participants (on a self-assessment basis).
   6. 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 bound by the General Terms and Conditions of the Program. The transactions carried out by the Cardholder serve as valid proof of the Cardholder's participation in the Program and the Cardholder's agreement to be bound by the General Terms and Conditions of the Program.



5. Cardholder Complaints

   1. The Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through Danamon'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 Danamon at the following link: www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.



6. Miscellaneous

   1. These Program General Terms and Conditions is an inseparable part of The General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions for Danamon Debit/ATM Cards, The General Terms and Conditions of Membership for Danamon Credit Cards, and the General Terms and Conditions of Membership for Danamon American Express Credit Cards and Charge 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.
   2. 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 Danamon. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
   3. The Cardholder agrees and acknowledges that Danamon reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through Danamon'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 Danamon within 30 (thirty) Business Days from the date of such notification by Danamon 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 Danamon (if any).
   4. 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.
   5. 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, Danamon reserves the right to cancel the transaction, terminate the use of Danamon's products/services, revoke the Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
   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. 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.
   10. 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).
   11. 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).

NOTICE

Program Participant must exercise due caution against fraudulent activities perpetrated by individuals or entities falsely claiming to represent Danamon and offering rewards in any form. Danamon 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 Danamon or this Program.

General Terms and Conditions of the Program ("General Terms and Conditions") constitute the terms and conditions applicable to Customers participating in the Cashback 20% up to IDR 50,000 (fifty thousand Rupiah) every month at Hang Tuah Kopi & Toastery ("Program") organized by PT Bank Danamon Indonesia Tbk ("Bank Danamon").

By participating, the Customer agrees to and is bound by all provisions set forth in these General Terms and Conditions of the Program as follows:

1. Program Period

   The Program Period is from 1 August 2026 until 31 May 2027 ('Program Period').




2. Participants Criteria

   Customers eligible to participate in this Program are those who meet the following criteria:

   1. Customers who hold a Danamon savings account or;
   2. Customers who hold a Danamon Credit Card and have an active savings account throughout the Program Period;
   3. Customers who have and are registered on the latest version of the D-Bank PRO app; and
   4. The Program also applies to Danamon employees.

   hereinafter referred to as ("Customers").




3. Program Terms and Conditions

   1. Customers are required to read and understand the General Terms and Conditions of this Program.
   2. Danamon reserves the right to refuse or cancel a Customer's participation in this Program if the Customer fails to comply with the General Terms and Conditions of the Program.
   3. The Customer is fully responsible for any risks of loss, claims, lawsuits and/or claims arising from the Customer's participation in and/or cancellation of participation in this Program.
   4. Under this Program, the Customer may receive a 20% (twenty per cent) cashback of up to IDR 50,000 (fifty thousand Rupiah) with a minimum transaction of IDR 100,000 (one hundred thousand Rupiah) ("Cashback") when the Customer makes a transaction at participating Hang Tuah Kopi & Toastery outlets using QRIS Source of Fund Debit Card ("QRIS Debit") and/or QRIS Source of Fund Credit Card ("QRIS CC") ("Transaction").
   5. 1 (one) CIF is entitled to receive a maximum of 1 (one) Cashback per month during the Program Period.
   6. The total Cashback quota is 80 (eighty) Transactions per month ("Program Quota").
   7. By conducting transactions in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood and agreed to participate in the Program and to be bound by these General Terms and Conditions. The transactions carried out by the Customer constitute valid proof of the Customer's participation in the Program and the Customer's agreement to be bound by the General Terms and Conditions of the Program.



4. Program Cashback Rewarding Mechanism

   1. The Cashback Reward will be credited to the Customer's savings account no later than 14 (fourteen) working days after the transaction has been made. If the Customer does not hold a Danamon savings account, they will not receive the Cashback Reward for the transaction in question.
   2. Participation in this Program is free of charge.
   3. The Customer understands and agrees that if the Program quota is exhausted before the Program period ends, the Customer will not receive the Cashback Reward.



5. Customer Complaints

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



6. Miscellaneous

   1. The products and/or services of Hang Tuah outlet are not the products and responsibility of Danamon and are therefore entirely the responsibility of Hang Tuah outlet. If there are any problems and/or complaints regarding the products, services, and/or the Program, please contact Hang Tuah outlet concerned.
   2. Other terms and conditions related to banking products, services, and/or transactions, insofar as they are not otherwise stipulated in these General Program Terms and Conditions, shall remain valid, binding on the Customer, and form an integral and inseparable part hereof.
   3. General Terms and Conditions This program constitutes an integral part of the "General Terms and Conditions for Bank Danamon Accounts and Banking Services" and the "General Terms and Conditions for D-Bank PRO", as well as 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.
   4. The Customer hereby agrees and acknowledges that Danamon reserves the right to revise/amend/supplement these General Terms and Conditions of the Program from time to time. Any changes/additions/updates to these General Terms and Conditions will be communicated through the communication channels available at Danamon. In the event of changes to benefits, risks, fees, terms, and conditions under these General Terms and Conditions, the Customer has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date the changes are communicated by Danamon. The Customer agrees that if no objection is submitted within the specified period, the Customer shall be deemed to have accepted the changes. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program, provided that all obligations to Danamon (if any) have been settled. The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
   5. The Customer agrees that Danamon reserves the right to cancel the provision of Cashback under this Program if the Customer does not comply with the General Program Terms and Conditions.
   6. The Customer declares that there are no and will not be any Transactions that indicate money laundering or other Transactions prohibited under the prevailing laws and regulations in Indonesia.
   7. In the event of any indication of fraud, misconduct and/or irregular Transactions, unreasonable Transactions money laundering, and/or actions that violate applicable laws and regulations, Danamon reserves the right to cancel the Transactions, cancel the Customer's participation in the Program, and/or cancel the Cashback distribution to the relevant Customer. The Customer remains obligated to settle all outstanding obligations to Danamon.
   8. These General Terms and Conditions of the Program have been adjusted in accordance with applicable 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 (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program.



7. NOTICE

   Customers must be cautious of fraud committed by individuals claiming to represent Danamon and promising Cashback in any form. Any fraud or other criminal acts committed by third parties in connection with or claiming to represent the Program are beyond the authority of Danamon.