Holiday Spending Program for Platinum Card® Danamon Cardholders

This Program is valid from November 2026, until December 31, 2026 (“Program Period”).

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

1. Cardholders of PT Bank Danamon Indonesia Tbk (“Danamon”) who own and transact using a Danamon RCP Platinum (“Card”).
2. Customers must conduct overseas transactions using an approved RCP Platinum Card, as stipulated in the Program’s Terms and Conditions.

1. The Cardholder is required to read and understand these General Terms and Conditions of the Program.
2. Danamon reserves the right to reject or cancel the Cardholder’s participation in this Program if the Cardholder fails to comply with the General Terms and Conditions of the Program.
3. The Cardholder shall be fully responsible for any and all risks, losses, claims, lawsuits, and/or demands arising from participation or cancellation of participation in this Program.
4. Cardholders who meet the General Terms and Conditions of the Program are entitled to receive additional Membership Reward Points (“MR Points”) under the following terms and conditions:
   1. The Cardholder must conduct overseas retail transactions (offline and/or online) with a minimum accumulated transaction amount of IDR 400,000,000 during the Program Period.
   2. Eligible transactions include those made on the Primary Card and Supplementary Cards registered under the same Account level.
   3. The reward will only be granted once during the Program Period on an Account level basis.
   4. The reward quota is limited to 95 participants with the highest accumulated transactions, each meeting a minimum total of IDR 400,000,000, who will receive an additional 150,000 MR Points awarded at the end of the Program Period.
   5. The Cardholder must conduct overseas transactions during the Program Period using the Platinum Card® Danamon, as invited by Danamon. Eligible transactions include the combined total of Primary and Supplementary Cards during the November–December 2026 Program Period.
   6. Transactions included in the Program are retail purchases made overseas, either online and/or offline (“Overseas Retail Transactions”).
   7. The Cardholder must use the Card for payment.
   8. By conducting transactions in accordance with these General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood, and agreed to participate in the Program and to comply with these General Terms and Conditions. Such transactions shall constitute valid evidence of the Cardholder’s participation in the Program and consent to be bound by these General Terms and Conditions.

1. Reward points will only be granted to Cardholders whose cards are active, not in arrears, and not blocked.
2. Reward points will be credited to the Primary Cardholder registered with Bank Danamon Indonesia.
3. If the Cardholder cancels any transaction during the Program Period that results in non-compliance with these General Terms and Conditions, the Cardholder acknowledges and agrees that Danamon reserves the right not to award the additional reward points.
4. Cardholders who are declared eligible to receive the reward will receive official notification from Danamon via WhatsApp and SMS regarding their entitlement.
5. Additional reward points will be credited within thirty (30) business days after the Program Period ends.
6. Rewards cannot be exchanged for cash, goods, or any other form.

Ilustration Table:

Cardholders may submit complaints regarding banking products/services either verbally or in writing through the nearest Danamon branch, via Hello Danamon 1-500-090, or by email at hellodanamon@danamon.co.id.

Procedures for complaint handling services can be accessed through the website:https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. The Cardholder agrees that Danamon reserves the right to cancel the Cardholder’s participation in this Program if the Cardholder fails to comply with these General Terms and Conditions of the Program.
2. The Cardholder declares that there are no and will not be any transactions indicative of money laundering and/or other transactions prohibited under the prevailing laws and regulations in Indonesia.
3. In the event of any indication of fraud, irregularities, abnormal transactions, money laundering, and/or other actions that do not comply with applicable laws and regulations, Danamon reserves the right to cancel transactions, revoke Program participation, terminate Card usage, and/or withdraw Program benefits from the relevant Cardholder. The Cardholder remains obligated to settle all outstanding obligations to Danamon (if any).
4. Other terms and conditions related to Danamon’s products and/or services shall remain valid and binding on the Cardholder, insofar as they are not otherwise stipulated in these General Terms and Conditions of the Program, and shall form an integral part thereof.
5. These General Terms and Conditions of the Program form an integral part of the General Terms and Conditions of Danamon Credit Card Membership and the applicable Danamon Membership Rewards Points Terms and Conditions. Such terms and conditions shall remain applicable unless otherwise stated in these Terms and Conditions.
6. The Cardholder hereby agrees and acknowledges that Danamon reserves the right to amend, modify, or supplement these General Terms and Conditions of the Program from time to time. Any changes, additions, or updates will be communicated through Danamon’s available communication channels. In the event of changes to benefits, risks, fees, or terms and conditions under these General Terms and Conditions of the Program, the Cardholder has the right to submit a written objection to Danamon within thirty (30) business days from the date of notification. The Cardholder shall be deemed to have accepted such changes if no objection is submitted within the specified period. If the Cardholder does not agree to the changes, the Cardholder may cancel participation in the Program after fulfilling all obligations to Danamon (if any).
7. These General Terms and Conditions of the Program have been adjusted in accordance with applicable laws and regulations, including those issued by the Financial Services Authority (OJK).
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the Deposit Insurance Corporation scheme.

Cardholders must exercise caution against fraud perpetrated by individuals claiming to represent Danamon and promising rewards in any form. Any fraudulent acts or other criminal activities carried out by third parties in connection with or under the guise of this Program are beyond the authority and responsibility of Danamon.