The 0% Installment Birthday Program for Money Transfer via D-Bank PRO

This program applies to applications submitted between 11 May 2026 and 31 August 2026 (“Program Period”).

Customers eligible to participate in this Program are as follows:

1. Customers who hold an active Danamon Credit Card or GRCC during the Program Period.
2. Customers who carry out transactions as stipulated in the Program’s General Terms and Conditions.
3. The Program also applies to Danamon employees. Hereinafter referred to as (“Cardholders”).

1. Cardholders must read, understand and agree to the General Terms and Conditions of the Program at the time of application via D-Bank PRO.
2. Cardholders must register by completing and submitting their application to join the program via D-Bank PRO, which forms an integral and inseparable part of the General Terms and Conditions of the Program.
3. Cardholders are fully responsible for all risks of loss, claims, lawsuits, and/or claims arising from their participation in and/or withdrawal from this Program.
4. Applies to all Danamon Credit Cards and Danamon GRCC Cards (Visa, Mastercard, JCB, and American Express) (“Cards”).
5. This Program does not apply to Danamon Corporate Cards and RCP Platinum Cards.
6. The Card must be active, not in arrears, and not blocked.
7. The Cards and transactions included and submitted under this Program are those selected by the primary Cardholder on D-Bank PRO.
8. The minimum transaction amount eligible for conversion into installments is IDR 1,000,000 (one million Rupiah) and the maximum transaction amount eligible for conversion into installments is IDR 50,000,000 (fifty million Rupiah), with installment periods of 6 (six) months and 12 (twelve) months.
9. The following are the administration fees based on the application amount for this Program:

   Tenor	Interest (Flat/Month)	Minimum Transaction	Maximum Transaction	Admin Fee
   6	0%	IDR 1,000,000	IDR 20,000,000	IDR 100,000
   		IDR 20,000,001	IDR 50,000,000	IDR 150,000
   12		IDR 1,000,000	IDR 20,000,000	IDR 150,000
   		IDR 20,000,001	IDR 50,000,000	IDR 200,000

10. The transaction details displayed in D-Bank PRO relate to transactions made on the primary card and supplementary cards; however, only the primary cardholder is eligible to apply for this program.
11. Transactions that can be converted into installments are limited to retail transactions and do not include cash advances, insurance premium payments, money transfers, bill payments, installment transactions or those already converted into installments, and transaction fees.
12. Transactions conducted in currencies other than the Indonesian Rupiah will be converted into Indonesian Rupiah in accordance with conversion terms based on the exchange rate applicable to the principal (Visa, Mastercard, JCB and American Express) as well as the conversion fee set by Danamon at the time the transaction is posted by Danamon. Therefore, the transaction value in Indonesian Rupiah displayed on D-Bank PRO prior to the transaction being posted may differ from the transaction value in Indonesian Rupiah after the transaction is posted.
13. The Cardholder agrees that Danamon is entitled to charge interest and administrative fees for this Program, the amounts of which are as stated in D-Bank PRO.
14. The installment amount shown on the D-Bank PRO confirmation page is merely an estimated calculation based on the Cardholder’s chosen repayment term and interest rate. The actual installment amount is as stated on the Cardholder’s statement.
15. Interest and administrative fees will be calculated based on the selected repayment term and will be charged to the Cardholder for each transaction converted into an installment.
16. Interest in installments is calculated using a fixed installment method, whereby the total fixed installment will have a different composition of principal and interest each month; this composition will be inversely proportional from the first instalment until the final payment is made to Danamon.
17. The conversion of a transaction into an installment will be processed within 1–2 (one to two) working days after the transaction has been successfully posted. If the transaction is not successfully posted within 5 (five) working days, the Program application will be cancelled.
18. If required in accordance with Danamon’s policies, Danamon will confirm via telephone to the Cardholder’s mobile phone number recorded in Danamon’s system.
19. Danamon reserves the right to reject or cancel the Cardholder’s participation in the Program if they do not meet the General Terms and Conditions of the Program and/or if, following an assessment or review conducted by Danamon, it is found to be inconsistent with Danamon’s policies.
20. The Cardholder will receive notification of the Program application via email to the email address registered in Danamon’s system.
21. Any early repayment or cancellation of a Program transaction will incur a penalty fee of 5% (five per cent) of the outstanding principal of the Program loan and the interest accrued at that time (if any).
22. For any delay in payment of Programme installments, the Cardholder will be charged a penalty in accordance with the applicable fee regulations at Bank Danamon.
23. In the event that the Cardholder fails to pay the minimum credit card or Danamon GRCC Card (or fails to pay the full amount due specifically for the Danamon American Express GRCC Card) for 2 (two) consecutive months by the due date, Danamon will charge the entire outstanding principal amount plus a penalty fee of 5% (five per cent) of the outstanding principal amount of the Program, late payment charges and interest accrued at that time (if any).

1. For the purposes of this Program, the Cardholder hereby authorizes Danamon to convert transactions made using the Cardholder’s Card into installments.
2. The authority granted by the Program Participant in the General Terms and Conditions of this Program is granted to the Bank with the right of substitution and so long as the Program Participant’s obligations to Danamon have not been fully fulfilled, such authority may not be revoked nor shall it terminate for any reason whatsoever, including but not limited to the causes mentioned in Article 1813 (termination of the power of attorney: upon revocation by the principal; upon notice of termination by the agent; upon the death, incapacity or bankruptcy of the principal or the agent), 1814 (the principal may revoke the power of attorney at any time, and if there is reason to do so, to compel the agent to return the authority held by him) and 1816 (the appointment of a new agent to conduct the same matter results in the revocation of the first power of attorney, effective from the time the latter is notified of such appointment) The Indonesian Civil Code and these powers of attorney form an integral part of the General Terms and Conditions of this Program.

1. Program Participants and/or their representatives may submit complaints regarding banking products or services either verbally or in writing via their nearest Danamon branch, Hello Danamon (1-500-090), or by email at hellodanamon@danamon.co.id.
2. The procedure regarding the complaints service can be accessed via Danamon’s official website at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Terms and Conditions form an integral and inseparable part of the “Danamon General Terms and Conditions for Accounts and Banking Services” and the “Danamon Credit Card Membership General Terms and Conditions”.
2. Program Participants hereby agree and acknowledge that Danamon is entitled to amend, modify or supplement these General Terms and Conditions of the Program from time to time, with notice provided via the communication channels available at Danamon. In the event of changes to benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, as well as other changes, the Program Participant is entitled to submit a written objection to the Bank within 30 (thirty) working days from the date the Bank notifies such changes via Danamon’s communication channels. Program Participants agree that they shall be deemed to have consented to the notified changes if they do not raise an objection within the period. Should a Program Participant not consent to such changes, they are entitled to cancel their participation in the Program, provided they first settle all outstanding obligations to Danamon (if any).
3. Program Participants declare that they are not currently, and will not engage in, transactions indicative of money laundering offences and/or other transactions prohibited under the laws and regulations in force in Indonesia.
4. In the event of indications of fraud, deception, abuse, irregular transactions, suspicious transactions, money laundering offences and/or actions inconsistent with applicable laws and regulations, Danamon reserves the right to cancel the transaction, terminate the use of Danamon products/services, cancel the Program membership, or cancel the provision of Program benefits to the relevant Program Participant. The Program Participant remains obliged to settle all outstanding obligations to Danamon (if any).
5. If any provision of these General Terms and Conditions of the Program is, by virtue of a government regulation or court ruling, prohibited, unenforceable, invalid, or declared null and void, this shall not affect the validity of the other provisions of these General Terms and Conditions of the Program, and such other provisions shall remain in full force and effect and shall be enforceable as set out in these General Terms and Conditions of the Program.
6. Should any irregularities regarding this Program be discovered or should any suspected fraud occur, Program Participants are advised to report this immediately via Hello Danamon on 1-500-090.
7. These Program Terms and Conditions are drawn up in Indonesian and English. In the event of any discrepancy in provisions or interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
8. The headings and terms used in these General Terms and Conditions of the Program are intended solely to facilitate understanding of the content of these General Terms and Conditions of the Program.
9. These General Terms and Conditions of the Program have been aligned with applicable laws and regulations, including the regulations of the Financial Services Authority.
10. 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 Scheme.

Program participants must be wary of scams perpetrated by individuals acting on behalf of Danamon who promise prizes of any kind. Danamon accepts no responsibility for any scams or other criminal acts committed by third parties in connection with, or on behalf of, Danamon or this Program.