Save 10% at Karmakamet

The Program will be conducted during the period from 1 January 2026 to 31 December 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 and transact using Danamon JCB Precious credit card and Danamon JCB Treasure Credit Card (“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 and Danamon JCB Treasure Credit Card (“Card”).
5. Program is valid at all Karmakamet locations in Thailand.
6. Program is valid for save 10% (ten percent).
7. Program is not valid for purchases of discounted items, gift sets, and new collection.
8. Program is valid every day during the Program Period.
9. Program cannot be combined with other programs and/or promotions.
10. Program participants must inform the staff before making a transaction to receive the discount under this Program.
11. Program participants must show the JCB Special Offers promo page before making a transaction to receive the discount under this Program.
12. Click here to view the JCB Special Offers promo page and further information.
13. By making a transaction in accordance with the General Terms and Conditions of this Program during the Program Period, Program Participants are deemed to have read, understood, and agreed to participate in the Program and to be bound by the General Terms and Conditions of this Program. The transaction made by the Program Participant constitutes valid proof of the Program Participant's participation in this Program and the Program Participant's agreement to be bound by the General Terms and Conditions of this 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. The General Terms and Conditions of the Program form an integral and inseparable part of the General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk, the General Terms and Conditions of Danamon Credit Card Membership, and the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership. These terms remain in effect unless otherwise stipulated in this General Terms and Conditions of the Program.
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.