Penawaran dari American Express® Global Benefits

01 January 2025 - 31 December 2025
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Offers from American Express® Global Benefits

Booking.com – Save Up to 30% on Hotel Bookings
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Terms and Conditions for the "Save Up to 30% on Hotel Bookings" Program
The following Terms and Conditions for the "Save Up to 30% on Hotel Bookings" Program for the Danamon American Express Gold Charge Card (“Program Terms and Conditions”) apply to customers participating in the "Save Up to 30% on Hotel Bookings" Program for the Danamon American Express Gold Charge Card (“Program”) organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating, program participants agree to comply with the following Program Terms and Conditions: 


  1. Program Period

    The program is valid from January 1, 2025, to December 31, 2025 (“Program Period”). 

  2. Participant Criteria
    1. This program is applicable to individual customers of Bank Danamon who hold the Danamon American Express Gold Charge Card with BIN 3755394 and 3755391 (“Cardholders”).
    2. The Danamon American Express Gold Charge Card must be active, with no overdue payments or blocked status. 
  3. Program Terms and Conditions
    1. Participants are required to read and understand the Program Terms and Conditions.
    2. Bank Danamon reserves the right to reject or cancel a participant’s eligibility if the participant fails to meet the Program Terms and Conditions.
    3. Participants are fully responsible for any risks, claims, or disputes arising from their participation or cancellation of participation in this program.
    4. The program offers:
      1. Discounts of up to 30% on hotel room bookings via Booking.com by accessing the following link: https://sp.booking.com/?aid=1956277&label=pageoffers-link-1956277-click
      2. The promotion is valid only for purchases made through the above link and is not applicable to other channels. 
    5. For more information, visit Booking.com | American Express Indonesia.
    6. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
    7. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
    8. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
    9. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
    10. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
    11. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
    12. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    13. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
    14. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
    15. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia. 
Bloomingdale’s – Save 15%
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Terms and Conditions for the "Save 15% at Bloomingdale’s" Program
The following Terms and Conditions for the "Save 15% at Bloomingdale’s" Program for the Danamon American Express Gold Charge Card (“Program Terms and Conditions”) apply to customers participating in the program organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating, program participants agree to comply with the following Program Terms and Conditions: 


  1. Program Period

    The program is valid from January 1, 2025, to December 31, 2025 (“Program Period”). 

  2. Participant Criteria
    1. This program is applicable to individual customers of Bank Danamon who hold the Danamon American Express Gold Charge Card with BIN 3755394 and 3755391 (“Cardholders”).
    2. The Danamon American Express Gold Charge Card must be active, with no overdue payments or blocked status. 
  3. Program Terms and Conditions
    1. Participants are required to read and understand the Program Terms and Conditions.
    2. Bank Danamon reserves the right to reject or cancel a participant’s eligibility if the participant fails to meet the Program Terms and Conditions.
    3. Participants are fully responsible for any risks, claims, or disputes arising from their participation or cancellation of participation in this program.
    4. The program offers the following:
      1. Online Purchases:
        1. Save 15% on purchases with a minimum transaction of USD 200 and enjoy free shipping from the United States using the promo code "Amex15" on Bloomingdale's website: bloomingdales.com. 
      2. Offline Purchases:
        1. Save 15% by presenting your Danamon American Express Gold Card and Indonesian passport to obtain a discount coupon at participating Bloomingdale’s stores.
        2. Discount coupons can be redeemed at Bloomingdale’s branches listed on the Bloomingdale’s | American Express Indonesia website. 
    5. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
    6. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
    7. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
    8. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
    9. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
    10. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
    11. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    12. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
    13. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
    14. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia. 
Explore Thailand Program
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The General Terms and Conditions of Explore Thailand Program for Danamon American Express Credit and Charge Cards (“General Terms and Conditions of the Program”) are the terms and conditions applicable to customers participating in  Explore Thailand Program for Danamon American Express Credit and Charge Cards (“Program”) organized by American Express (“Organizer”).

Program participants hereby agree and bind themselves to all the terms and conditions of the General Terms and Conditions of the Program as follows:


  1. Program Period

    The program is valid from 1 April until 30 September 2025 (“Program Period”). 

  2. Participant Criteria

    1. This program is applicable to individual and corporate holders of Danamon American Express Credit and Charge Cards issued by Bank Danamon ("Cardholder").
    2. The Danamon American Express Credit and Charge Card owned by the Cardholder must be active, with no outstanding payments and the card must not be blocked.
    3. Applicable to additional cardholders.
  3. Program Terms and Conditions
    1. Program participants must read and understand the General Terms and Conditions of the Program.
    2. The bank has the right to refuse or cancel the participation of Program participants 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 of loss, claims, lawsuits, and/or claims related to their participation and/or cancellation of their participation in this Program.
    4. The promotional program consists of various promotions in dining, traveling, and lifestyle categories in Thailand.
    5. The list of participating merchants can be seen at the following link:
      1. Dining category merchants: Dining | American Express TH
      2. Traveling category merchants: Travel | American Express TH
      3. Lifestyle category merchants: Lifestyle | American Express TH
    6. Offers are non-transferable or redeemable for cash, or combinable with other offers, promotions, vouchers, or other privileges unless stated otherwise.
    7. The offer is only valid if payment for the related products or services is made using a valid American Express Card held by an eligible Cardholder. 
    8. The prices listed may be subject to applicable service charges and government taxes (if any). 
    9. Expired or unused offers cannot be refunded, extended, or voided under certain conditions according to the participating merchant's terms, unless stated otherwise. 
    10. The participating merchant is fully responsible for all products, services, consultations, advice, and fulfillment of the Offer in accordance with these Terms & Conditions. American Express is not the provider of the products/services offered and makes no statements or guarantees regarding those products/services.
    11. Other terms and conditions must refer to the terms and conditions set by American Express as the Organizer. In the event of a dispute regarding the Offer, the decision of American Express is final and binding on all parties involved.
    12. The terms & conditions of participating merchants apply (for example, additional charges during holiday seasons or special days) – please check the details directly with the relevant merchant. 
    13. Other terms and conditions related to cards and/or products and/or services from Bank Danamon, as long as not stipulated differently in the General Terms and Conditions of this Program, remain in effect and binding on Cardholders and form an inseparable unit with the General Terms and Conditions of the Program.
    14. The Terms and Conditions of this Program are an inseparable part of the Terms and Conditions of the Danamon American Express Credit Card and Charge Card Membership and the Terms and Conditions of the Membership Rewards Points. These terms and conditions remain in effect unless otherwise stipulated in the Terms and Conditions of this Program.
    15. The Cardholder hereby agrees and acknowledges that Bank Danamon has the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be communicated through the available communication media at Bank Danamon. In the event of changes in benefits, risks, costs, terms, and conditions based on the General Terms and Conditions of this Program, the Cardholder has the right to submit a written objection to Bank Danamon within 30 (thirty) business days from the date of notification of the change made by Bank Danamon through its communication media. The Cardholder agrees that the Cardholder is deemed to have consented to the changes if the Cardholder does not submit an objection within that time frame. If the Cardholder does not agree to the changes, then the Cardholder has the right to withdraw from the Program.
    16. The Cardholder declares that there are no and will be no transactions indicated as money laundering and/or any other transactions not permitted under the prevailing laws and regulations in Indonesia. 
    17. If there are reports of indications of fraud, deceit, and/or transaction deviations, Bank Danamon has the right to cancel the transaction, cancel the participation in the Program, and/or grant rewards to the relevant Cardholder. 
    18. The Cardholder can submit complaints regarding banking products/services either verbally or in writing through the nearest Bank Danamon branch, Hello Danamon at 1-500-090, or The Platinum Card Service (021 3435 8889), or via email at hellodanamon@danamon.co.id. 
    19. The procedures for complaint services can be accessed through the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah. 
    20. The General Terms and Conditions of this program have been adjusted in accordance with applicable laws and regulations, including the regulations of the Financial Services Authority. 
    21. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority and Bank Indonesia. 
Grab – Save IDR 25,000 on Grab Food or Dine Out
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These General Terms and Conditions for the IDR 25,000 Discount Program on the Grab App for Danamon American Express Credit and Charge Cards ("General Program Terms and Conditions") govern the participation of customers in the IDR 25,000 Discount Program on the Grab App ("Program") organized by PT Bank Danamon Indonesia Tbk ("Bank Danamon").
By participating in the Program, participants agree to be bound by all the terms and conditions outlined below: 


  1. Program Period

    The Program will run from 15 April to 14 July 2025 ("Program Period"). 

  2. Participant Eligibility
    1. This Program is valid for holders ("Cardholders") of the following cards: 
      • Danamon American Express Platinum Charge Card
      • Danamon American Express Gold Charge Card
      • Danamon American Express Green Charge Card
      • Danamon American Express GRCC Blue and Gold Credit Cards
      • Danamon American Express Gold Business Credit Card 
    2. The Program does not apply to corporate credit cards. 
  3. Program Terms and Conditions
    1. Participants must read and understand these General Program Terms and Conditions.
    2. Bank Danamon reserves the right to reject or cancel a participant’s enrollment if they fail to comply with these terms.
    3. Participants bear full responsibility for any losses, claims, demands, or disputes arising from their participation or cancellation in the Program.
    4. The promotion offers an IDR 25,000 discount with a minimum transaction of IDR 170,000 (not cumulative).
    5. The promo code can be used a maximum of 2 (two) times per Program Period.
    6. The promotion is only valid for GrabFood or DineOut transactions on the Grab app.
    7. This promotion may be combined with other discount programs or promotions (if applicable).
    8. Payment must be made using Danamon American Express Credit or Charge Cards issued in Indonesia.
    9. Contact the Grab Call Center if the promo code cannot be used.
    10. Bank Danamon’s decisions regarding the Program—including but not limited to the acceptance of personal data for reward eligibility—are final and binding for all participating Cardholders.
    11. Other terms and conditions related to the card, products, and/or services of Bank Danamon remain in effect unless otherwise stated in these General Program Terms and Conditions.
    12. These General Program Terms and Conditions are inseparable from the General Terms and Conditions of Danamon American Express Credit and Charge Card Membership and the General Terms and Conditions of Membership Rewards Points. These terms remain applicable unless modified herein.
    13. Cardholders acknowledge that Bank Danamon reserves the right to amend, modify, or supplement these terms at any time. Any changes will be communicated via Bank Danamon’s official channels. If changes affect benefits, risks, fees, or terms, Cardholders may submit a written objection within 30 (thirty) business days of notification. Failure to object constitutes acceptance. Cardholders who disagree may withdraw from the Program after settling any outstanding obligations.
    14. Cardholders confirm that no transactions involve money laundering or other illegal activities under Indonesian law.
    15. If fraud, misuse, or suspicious transactions are reported, Bank Danamon may cancel transactions, revoke Program participation, or withhold rewards.
    16. Cardholders may submit complaints orally or in writing at the nearest Bank Danamon branch, via The Platinum Card Service (021 3435 8889), or by email at hellodanamon@danamon.co.id.
    17. Complaint procedures are available at: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
    18. These terms comply with Financial Services Authority (OJK) regulations.
    19. PT Bank Danamon Indonesia Tbk is licensed and supervised by the OJK and Bank Indonesia. 
PressReader – Complimentary Premium Subscription
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General Terms and Conditions of the Complimentary Premium Subscription Program with PressReader
The General Terms and Conditions of the Complimentary Premium Subscription Program with PressReader for Danamon American Express Gold Charge Cardholders (“General Terms and Conditions of the Program”) outline the terms and conditions applicable to customers participating in the Complimentary Premium Subscription Program with PressReader for Danamon American Express Gold Charge Cardholders (“Program”), organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
Participants in the Program hereby agree to and are bound by all provisions in the General Terms and Conditions of the Program, as outlined below: 


  1. Program Period

    The Program will run from January 1, 2025, to July 31, 2025 (“Program Period”). 

  2. Participant Criteria
    1. The Program is open to individual Bank Danamon customers who hold a Danamon American Express Gold Charge Card with BIN 3755394 or 3755391 (“Cardholders”).
    2. The Danamon American Express Gold Charge Card must be active, have no outstanding payments, and must not be blocked. 
  3. Program Terms and Conditions 
    1. 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 a participant's enrollment in the Program if they fail to meet the General Terms and Conditions.
    3. Participants assume full responsibility for any risks, losses, claims, lawsuits, and/or demands arising from their participation in or cancellation from this Program.
    4. The Program is subject to the following provisions:
      1. The Complimentary Premium Subscription on PressReader is valid for 7 (seven) days from the date of registration.
      2. After the 7-day period expires, participants will be charged USD 23.99 per month, which will be directly billed to their Danamon American Express Gold Card.
    5. For more information, please visit https://experiences.global/id/offers/pressreader.
    6. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
    7. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
    8. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
    9. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
    10. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
    11. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
    12. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    13. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
    14. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
    15. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia. 
The Hotel Collection – Complimentary Room Upgrade + USD 100 Hotel Credit
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General Terms and Conditions of The Hotel Collection Program
The General Terms and Conditions of The Hotel Collection Program for Danamon American Express Gold Charge Cardholders (“General Terms and Conditions”) set forth the rules and requirements for customers participating in The Hotel Collection Program for Danamon American Express Gold Charge Cardholders (“Program”), organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating in the Program, customers agree to abide by all provisions outlined in these General Terms and Conditions: 


  1. Program Period

    The Program is valid from January 1, 2025, to December 31, 2025 (“Program Period”). 

  2. Eligibility Criteria
    1. The Program is open to individual Bank Danamon customers who are holders of a Danamon American Express Gold Charge Card with BIN 3755394 or 3755391 (“Cardholders”).
    2. Cardholders’ Danamon American Express Gold Charge Cards must be active, without overdue payments, and unblocked. 
  3. Program Terms and Conditions
    1. Participants must read and understand the General Terms and Conditions before joining the Program.
    2. The Bank reserves the right to reject or revoke a participant's enrollment if they fail to meet the Program’s General Terms and Conditions.
    3. Participants are solely responsible for any risks, losses, claims, lawsuits, or demands arising from their participation in or withdrawal from the Program.
    4. The Program benefits include:
      1. A complimentary room upgrade and USD 100 hotel credit when booking accommodations through The Hotel Collection.
      2. Bookings must be made by contacting the Gold Concierge Service at 1-500-090. 
    5. For further details, please visit https://experiences.global/id/travel/finehotels.
    6. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
    7. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
    8. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
    9. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
    10. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
    11. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
    12. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    13. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
    14. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
    15. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia. 
Sixt, Avis & Hertz – Car Rental
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General Terms and Conditions of the Car Rental Program at Sixt, Avis, and Hertz
The General Terms and Conditions of the Car Rental Program at Sixt, Avis, and Hertz for Danamon American Express Gold Charge Cardholders (“General Terms and Conditions”) are the rules and provisions that apply to customers participating in the Car Rental Program at Sixt, Avis, and Hertz for Danamon American Express Gold Charge Cardholders (“Program”), organized by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).
By participating in the Program, customers agree to abide by all provisions set forth in these General Terms and Conditions: 


  1. Program Period

    The Program is valid from January 1, 2025, to December 31, 2025 (“Program Period”). 

  2. Eligibility Criteria
    1. This Program is open to individual Bank Danamon customers who hold a Danamon American Express Gold Charge Card with BIN 3755394 or 3755391 (“Cardholders”).
    2. Cardholders’ Danamon American Express Gold Charge Cards must be active, without overdue payments, and unblocked. 
  3. Program Terms and Conditions
    1. Program participants must read and understand the General Terms and Conditions.
    2. The Bank reserves the right to reject or cancel participation in this Program if the participant does not meet the General Terms and Conditions.
    3. Participants are fully responsible for any risks, losses, claims, lawsuits, or demands arising from their participation in or cancellation of participation in the Program.
    4. The Program applies with the following conditions:
      Merchant Program Description Information

      Hertz

      Complimentary registration for Hertz Gold Plus membership to enjoy:

      1. Complimentary additional driver for a partner (spouse)
      2. Faster checkout
      3. Points redemption for free car rentals or car upgrades
      4. Free car upgrade if renting for more than 5 days (terms and conditions apply)

      Registration can be made via this link: https://www.hertz.com/AmexBenefits/

      Hertz | American Express Indonesia

      Avis

      Complimentary registration for Avis Preferred membership to enjoy:

      Save up to 15% on car rental costs

      Registration can be made via this link: https://one.avisworld.com/en_GB/Avis-Amex/

      Avis | American Express Indonesia

      Sixt

      Complimentary Sixt membership registration to enjoy:

      1. Save up to 10% on car rental costs
      2. Complimentary additional driver for car rentals in the United States (terms and conditions apply)

      Registration can be made via this link: https://www.sixt.com/services/#/b2bregistration?b2b_token=7bd558d5-f063-2ce1-8847-bad779587cf0

      https://experiences.global/id/travel/sixt

    5. All decisions made by Bank Danamon regarding the program—including, but not limited to, the use of personal data for decision-making—are final and binding for all cardholders and applicants.
    6. Any terms and conditions related to the card, products, or services offered by Bank Danamon not specifically outlined in this document remain applicable and integral to these Program Terms and Conditions.
    7. These Program Terms and Conditions form an inseparable part of the General Terms and Conditions of Danamon American Express Credit and Charge Cards, as well as the Membership Rewards Point Program Terms. The aforementioned terms remain valid unless otherwise specified in this document.
    8. Bank Danamon reserves the right to revise, amend, or supplement the Program Terms and Conditions at any time. Any changes will be communicated through Bank Danamon’s available communication channels. If there are changes to benefits, risks, fees, or terms, participants have the right to submit objections in writing to Bank Danamon within 30 (thirty) business days of the notification. Failure to raise objections within this timeframe will be considered acceptance of the changes. Participants who do not agree to the changes may cancel their participation after settling any obligations with Bank Danamon.
    9. Participants declare that there are no transactions involving money laundering or other prohibited activities under Indonesian law.
    10. In cases of fraud, misconduct, or transactional irregularities, Bank Danamon reserves the right to cancel transactions, revoke participation, or withdraw rewards from the cardholder.
    11. Cardholders may submit complaints regarding products or services either verbally or in writing to the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    12. Complaint handling procedures can be accessed through Bank Danamon’s website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
    13. These Program Terms and Conditions have been adjusted to comply with applicable laws, including the regulations of the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan or OJK).
    14. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia.

Program Participant Complaints

    1. Program participants can submit complaints about banking products or services verbally or in writing through the nearest Bank Danamon branch office, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
    2. Procedures for complaint services can be accessed via the website: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.  

Other Term and Conditions

    1. The General Terms and Conditions of this Program are an integral part of the General Terms and Conditions of PT Bank Danamon Indonesia Tbk Account and Banking Services, the General Terms and Conditions of Bank Danamon Credit Card Membership, and the General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership. These terms and conditions remain valid unless otherwise regulated in the General Terms and Conditions of this Program.
    2. The Program Participant agrees and acknowledges that the Bank has the right to amend, modify, or complete the General Terms and Conditions of this Program from time to time. Any changes, additions, or updates to the General Terms and Conditions of this Program will be notified through the communication media available to the Bank. In the event of a change in the benefits, risks, costs, terms, and conditions based on the General Terms and Conditions of this Program, the Program Participant has the right to submit a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of such changes. The Program Participant agrees that if no objection is raised within that time period, the Program Participant is deemed to have accepted the amendment. If the Program Participant does not agree to the amendment, they have the right to cancel their Program membership, provided all obligations to the Bank (if any) are fulfilled.
    3. The Program Participant declares that there are no transactions, and will not be any, that indicate money laundering and/or other transactions prohibited by the applicable laws and regulations in Indonesia.
    4. If there are indications of fraud, abuse, transaction irregularities, abnormal transactions, money laundering, and/or actions not in accordance with laws and regulations, the Bank has the right to cancel the transaction, terminate the use of the Bank's products/services, cancel participation in the Program, or revoke Program benefits for the concerned Program Participant. The Program Participant remains obligated to fulfill all their obligations to the Bank (if any).
    5. If any irregularities are found related to this Program or if fraud is suspected, Program Participants are advised to immediately inform Hello Danamon.
    6. The General Terms and Conditions of this Program have been adjusted to the provisions of laws and regulations, including the Financial Services Authority regulations.
    7. 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 guarantee scheme.

Reminder

Program Participants must be cautious of fraud committed by individuals claiming to represent the Bank and promising prizes in any form. Any fraud or other criminal acts committed by third parties associated with or on behalf of the Program are beyond the Bank's responsibility.
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