0% Installment up to 12 Months at Intikom

The Program is valid from October 21, 2024, to November 30, 2025 (“Program Period”).

The program applies to installment transactions at the following Intikom outlets:

1. Intikom Ruko Centre Point:
   Jl. Timot, Centre Point Complex Block H No. 23–27, East Medan
2. Intikom Medan Fair:
   Plaza Medan Fair
   Jl. Gatot Subroto, Sekip, Medan Petisah
   
3. Intikom Sun Plaza
   Sun Plaza Lv. 2 Zona C-30
   Jl. KH. Zainul Arifin, Madras Hulu, Medan Polonia
   

1. This Program is valid for Cardholders as follows: Bank Danamon Credit Cards and Charge Cards with Visa, Mastercard JCB, and American Express logos, but exclude Corporate Cards ("Card").
2. Cardholders must read and understand the General Terms and Conditions of the Program.
3. Bank Danamon has the right to refuse or cancel the Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of the Program.
4. The Cardholder bears full responsibility for any risks, demands, lawsuits, and/or claims in connection with the Cardholder's participation and/or cancellation of participation in this Program.
5. This Program is valid under the following conditions:
   1. The 0% Installment Program is valid for tenors of 3 (three), 6 (six), and 12 (twelve) months with a minimum transaction of IDR 1,000,000.00 (two million rupiah).
   2. This Program is valid every day during the Program Period including public holidays.
   3. Each transaction converted into installments will be subject to an administration fee of IDR 25,000.00 (fifteen thousand rupiah).
   4. Any transaction that is converted into installments will not earn D-Points or Membership Rewards Points.
6. This Program cannot be combined with other programs and/or promos.
7. This Program is valid for both the main and additional cards.
8. By making a transaction in accordance with the General Terms and Conditions of the Program, the Cardholder is considered to have read, understood, and agreed to participate in the Program and is subject to the General Terms and Conditions of the Program. Such transactions serve as valid proof of the Cardholder's participation and consent to the Program Terms and Conditions.

1. Products and/or services from merchant partners are solely the responsibility of the merchant partner and not of Bank Danamon. For any issues or complaints regarding products, services, or the Program, Cardholders are advised to contact the relevant merchant partner directly.
2. Cardholders affirm that their transactions comply with applicable Indonesian laws and regulations and are not indicative of money laundering or other prohibited activities.
3. Bank Danamon reserves the right to:
   • Cancel transactions, terminate Card usage, or revoke participation in the Program if there are indications of fraud, unusual transactions, money laundering, or any other actions violating applicable laws.
   • Require Cardholders to fulfill any outstanding obligations to Bank Danamon.
4. Terms and conditions related to other banking products or services remain valid and binding unless explicitly stated otherwise in this Program’s terms.
5. These Program Terms and Conditions are an integral part of the: General Terms and Conditions of PT Bank Danamon Indonesia Tbk Banking Accounts and Services, General Terms and Conditions of Debit Cards/ATM Danamon, General Terms and Conditions of Danamon Credit Card Membership, and General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership.”
6. Bank Danamon reserves the right to revise, amend, or supplement the Program’s terms. Any updates will be communicated through official Bank Danamon channels. Cardholders may object in writing within 30 (thirty) working days of receiving such updates. If no objection is received within this period, the changes will be deemed accepted.
7. Cardholders may submit complaints regarding banking services or transactions through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
8. Details of Bank Danamon’s complaint-handling procedures are available at: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Deposit Insurance Agency guarantee.
10. These terms comply with all relevant laws and regulations, including those stipulated by the Financial Services Authority.

Cardholders should be cautious of fraudulent activities by individuals claiming to represent Bank Danamon and offering rewards in connection with the Program. Any fraudulent or criminal acts by third parties are beyond the control of Bank Danamon.