My Own Installment (Installment Conversion) Program for Overseas Transactions via the D-Bank PRO

This Program applies to applications submitted from 1 October 2026 to 31 December 2027 (“Program Period”).

Customers eligible to participate in this Program are:

1. Customers who hold an active Bank Danamon credit or charge card during the Program Period.
2. Customers who carry out transactions as specified in the General Terms and Conditions of the Program.
3. Bank Danamon employees are also eligible for the Program.
4. Eligible customers are hereinafter referred to as “Cardholders”.

1. Cardholders must read, understand and agree to the General Terms and Conditions of the Program when applying for installments via D-Bank PRO.
2. Cardholders must register by completing and submitting an application to participate in the Program via the D-Bank PRO application. The Application forms an integral part of the General Terms and Conditions of the Program.
3. Cardholders bear full responsibility for all risks of loss, demands, legal proceedings and/or claims in connection with their participation in the Program and/or the cancellation of that participation.
4. The Program applies to all Danamon Credit Cards (Visa, Mastercard, JCB and American Express) and Danamon Charge Cards (Visa, Mastercard and American Express) (“Cards”).
5. The Program does not apply to corporate Cards.
6. The Card must be active, not in arrears and not blocked.
7. The principal Cardholder must select the Card and transaction to be submitted under the Program via the D-Bank PRO application.
8. Transactions of at least IDR 1,000,000 (one million rupiah) and no more than IDR 50,000,000 (fifty million rupiah) may be converted to installments over 6 (six) or 12 (twelve) months.
9. The installment terms and administration fees for this Program are as follows:

   Term (months)	Interest rate (flat per month)	Minimum transaction	Maximum transaction	Administration fee
   6	0%	IDR 1,000,000	IDR 50,000,000	IDR 150,000
   12	0%	IDR 1,000,000	IDR 50,000,000	IDR 350,000

10. Only retail transactions may be converted to installments. Cash advances, insurance premium payments, money transfers, bill payments, installment transactions, transactions already converted to installments and transaction fees are excluded.
11. Transactions in currencies other than Indonesian rupiah will be converted to Indonesian rupiah using the applicable Visa, Mastercard, JCB or American Express exchange rate and the conversion fee set by Bank Danamon when it posts the transaction. As a result, the rupiah amount displayed in the D-Bank PRO application before posting may differ from the final posted amount.
12. The installment amount shown on the confirmation screen in D-Bank PRO is an estimate based on the term and interest rate selected by the Cardholder. The actual installment amount is shown on the Cardholder’s statement.
13. Interest and administration fees depend on the selected installment term and are charged to the Cardholder for each transaction converted to installments.
14. Conversion to installments will be processed within 1–2 (one to two) working days after the transaction is successfully posted. If the transaction is not posted within 5 (five) working days, the Application will be cancelled.
15. If necessary, Bank Danamon may, at its discretion, call the Cardholder on the mobile number recorded in its system to confirm the Application.
16. Bank Danamon reserves the right to refuse or cancel a Cardholder’s participation if the Cardholder does not meet the General Terms and Conditions of the Program and/or if Bank Danamon’s assessment or review finds that the participation does not comply with its policies.
17. Cardholders will receive notification regarding their Application at the email address registered in Bank Danamon’s system.
18. For any early repayment or cancellation of a Program transaction, a penalty of 5% (five per cent) of the outstanding Program principal will apply, along with any interest accrued at that time.
19. If any Program installment is paid late, the Cardholder will incur a late payment charge in accordance with Bank Danamon’s applicable fee terms.
20. If the Cardholder fails to pay at least the minimum amount due on a Danamon Credit Card or Danamon Charge Card (or the full amount due on a Danamon American Express Charge Card) by the due date for 2 (two) consecutive months, Bank Danamon will bill the entire outstanding principal, a penalty of 5% (five per cent) of the outstanding Program principal, late payment charges and any interest accrued at that time.
21. For the purposes of this Program, the Cardholder hereby authorises Bank Danamon to convert transactions on the Cardholder’s Card to installments.

1. No transaction may show indications of money laundering or involve any other activity prohibited under applicable Indonesian laws and regulations.
2. If suspected fraud, dishonesty and/or transaction irregularities are reported, Bank Danamon reserves the right to cancel the transaction and/or the Application. Such cancellation does not relieve the Cardholder of the obligation to pay all amounts billed to their Danamon Credit Card.
3. Unless otherwise specified in these General Terms and Conditions of the Program, all other terms and conditions relating to the products and/or services remain in effect, bind the Cardholder and form an integral part of these General Terms and Conditions of the Program.
4. These General Terms and Conditions of the Program form an integral part of the “General Terms and Conditions of Bank Danamon Accounts and Banking Services” and the “General Terms and Conditions of Bank Danamon Credit Card Membership”.
5. The Cardholder agrees and acknowledges that Bank Danamon may revise, amend or supplement these General Terms and Conditions of the Program. Bank Danamon will notify the Cardholder within a reasonable period or within the period prescribed by applicable laws and regulations, through Bank Danamon branches and/or other communication channels using the latest details on record.
6. If the benefits, risks, fees or these General Terms and Conditions change, the Cardholder may submit a written objection to Bank Danamon within 30 (thirty) working days from the date Bank Danamon gives notice through its communication channels. If the Cardholder does not object within that period, Bank Danamon will deem the Cardholder to have accepted the changes. If the Cardholder does not agree to the changes, they may close the product and/or terminate the service after settling all outstanding obligations to Bank Danamon.
7. Cardholders may submit complaints about banking transactions or services orally or in writing through the nearest Bank Danamon branch, by calling Hello Danamon on 1-500-090 or by emailing hellodanamon@danamon.co.id.
8. Bank Danamon’s complaint-handling procedures are available at www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
9. This agreement has been drawn up in accordance with applicable provisions, including Financial Services Authority regulations.
10. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority.

Cardholders must be alert to fraud by individuals claiming to act on behalf of Bank Danamon and promising rewards of any kind. Any fraud or other criminal acts committed by third parties in connection with, or in the name of, the Program are outside Bank Danamon’s authority.