0% Installment up to 12 Months at Bonsoir Indonesia

The program runs from September 15, 2025 until September 15, 2026 ("Program Period").

1. The programme applies to Cardholders as follows: Bank Danamon Credit Cards bearing the Visa, Mastercard, JCB, and American Express logos, and Bank Danamon American Express Charge Cards, but does not include corporate Credit Cards and Charge Cards ("Cards").
2. Cardholders are required to read and understand the General Terms and Conditions of this Program.
3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of this Program.
4. Cardholders are solely responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Cardholder's participation and/or cancellation of participation in this Program.
5. The Program is subject to the following terms and conditions:
   • The program offers 0% (zero percent) installments for tenors of 3 (three), 6 (six), and 12 (twelve) months with a minimum transaction amount of IDR 1,000,000 (one million Rupiah).
   • The program applies to both primary and additional cards.
   • Each transaction converted into installments will be subject to an administration fee of IDR 25,000 (twenty-five thousand Rupiah), which will be borne by the Cardholder. If the installments are cancelled by the Cardholder, the administration fee will not be refunded to the Cardholder;
   • Each transaction converted into instalments will not earn D-Points or Membership Rewards Points;
   • The process of applying for conversion to installments is done directly at the time of transaction and has never been submitted through other channels (e.g. SMS, email).
   • For each early repayment or cancellation of a Program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five per cent) of the remaining principal of the Program loan and the interest accruing at that time (if any).
6. The Program is valid every day, including national holidays, during the Program Period.
7. The Program can be combined with other programs and/or promotions.
8. By making transactions in accordance with the General Terms and Conditions of the Program, Cardholders are deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of the Program. Transactions made by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to be subject to the General Terms and Conditions of the Program.

1. Cardholders and/or Cardholders representatives may file complaints regarding banking transactions/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
   
2. The complaint handling procedure can be accessed via the website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. Products and/or services offered by merchant partners are not the responsibility of Bank Danamon and are fully under the merchants’ accountability. Please contact the relevant merchant for any issues or complaints.
   
2. The Cardholder confirms that no transaction associated with this Program constitutes money laundering or violates applicable laws and regulations in Indonesia.
   
3. If fraud, abuse, transaction irregularities, or violations of laws are suspected, Bank Danamon may cancel the transaction, suspend services, or terminate Program benefits. The Cardholder remains liable for any outstanding obligations to the Bank.
   
4. These Terms and Conditions form an integral part of the: General Terms and Conditions of Danamon American Express Credit Card and Charge Card Membership, General Terms and Conditions of Danamon Credit Card Membership, and any other applicable banking terms. If there is any inconsistency, these Program Terms shall prevail
   
5. Bank Danamon reserves the right to modify, update, or supplement these Terms at any time. Any changes will be announced through Bank Danamon’s official communication channels. If changes affect benefits, risks, costs, or conditions, Cardholders may raise objections in writing within 30 (thirty) business days. Failure to object within this period will be deemed as acceptance.
   
6. If any part of these Terms is deemed invalid by law or court decision, the remaining provisions shall remain valid and enforceable.
   
7. Any suspected fraud should be reported immediately to Hello Danamon.
   
8. 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 (LPS).
   
9. These Terms and Conditions comply with applicable laws and regulations, including those issued by the Financial Services Authority.