0% Installment up to 6 Months at i-SWAM

The Program shall be conducted during the period commencing on 29 August 2025 until 31 August 2026 (“Period of Program”).

The 0% installment program for i-SWAM registration is valid for official registration through the official i-SWAM website: www.internationalswam.com

1. The program 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 the 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 the Program.
4. Cardholders are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
5. The Program is subject to the following terms and conditions:
   • The 0% installment program applies to tenors of 3 (three) and 6 (six) months.
   • The program applies to transactions with the following minimum amounts:

     Tenor	Minimum Transaction (IDR)
     3 months	1,000,000
     6 months	1,000,000

   • Each transaction converted into installments will be subject to an administration fee of IDR 25,000.00 (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 installments will not earn D-Points or Membership Rewards Points;
   • The program is valid if the installment has not been submitted to Bank Danamon through other media (e.g. SMS, email, etc.); and
   • For each early repayment or cancellation of a program transaction by the Cardholder, the Cardholder will be charged a penalty fee of 5% (five percent) of the remaining principal of the program loan and the interest accrued at that time (if any).
6. The program applies to both primary and supplementary cards.
7. The program cannot be combined with other programs and/or promotions.
8. By conducting transactions in accordance with the General Terms and Conditions of the Program, the Cardholder is deemed to have read, understood and agreed to participate in the Program and to be bound by the General Terms and Conditions of the Program. Transactions conducted by the Cardholder constitute valid proof of the Cardholder's participation in the Program and the Cardholder's agreement to be bound by the General Terms and Conditions of the Program.

1. Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through the Bank’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
   
2. The procedures for the customer complaint service may be found on the official website of the Bank at the following link: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. These Program General Terms and Conditions is an inseparable part of The General Terms and Conditions of Membership for Danamon Credit Cards, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
   
2. The products, services, and/or benefits provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of the Bank. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
   
3. Cardholders agrees and acknowledges that the Bank reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through the Bank’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholders has the right to submit a written objection to the Bank within 30 (thirty) Business Days from the date of such notification by the Bank via its available communication channels. Cardholders agrees that if no objection is submitted within the specified period, the Cardholders shall be deemed to have accepted the changes. If the Cardholders does not agree with the changes, the Cardholders has the right to discontinue Program participation by first completing all obligations to the Bank (if any).
   
4. Cardholders represents and warrants that the Cardholders is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
   
5. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, revoke the Cardholders participation in the Program, and/or cancel the provision of Program benefits to the relevant Program Participant. Cardholders shall remain obligated to fulfill all outstanding obligations to the Bank, if any.
   
6. If any provision of these Program General Terms and Conditions are, by reason of any government regulation or court decision, prohibited, unenforceable, rendered invalid, or declared null and void, such circumstance shall not affect the validity or enforceability of the remaining provisions of these Program General Terms and Condition, which shall remain in full force and effect and binding upon the parties as set forth herein.
   
7. In the event that any irregularities related to the Program are discovered, or if any fraudulent activity is suspected, Cardholders is advised to promptly report such matters through Hello Danamon.
   
8. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.
   
9. The headings and terminology used in these Program General Terms and Conditions are intended solely to facilitate understanding of the contents of these Program General Terms and Conditions.
   
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
    
11. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).